Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Top picks for H-E-B from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at H-E-B, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bilt Obsidian Card earns the top spot for H-E-B purchases at 6.6¢ per dollar on grocery stores — a $95 annual fee. We ranked every card in our database against H-E-B purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Cardless
Amex
Chase
Bilt Obsidian Card earns 6.6¢ per dollar on grocery stores when you shop at H-E-B, the highest marginal rate in our list for this brand. At 6.6¢ per dollar, rewards cover the $95 fee after about $1,440 a year in H-E-B spending. To come out ahead of SoFi Smart Card (5.0¢), you'd need about $5,940 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Side-by-side view of the ranked picks.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.6¢/$ | $95 | $20 | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 6.0¢/$ | $325 | $212 | amex |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | $110 | visa |
| SoFi Smart CardSofi | 5x points | 5.0¢/$ | $0 | — | mastercard |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.8¢/$ | $0 | $150 | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | $50 | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $200 | mastercard |
| West Elm Key Rewards VisaCapital One | 4x points | 4.0¢/$ | $0 | — | visa |
Other brands in Food, Beverages & Tobacco where the top picks above also earn well.
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