Friday, January 28, 2022

    The best credit cards for groceries of January 2022

    The best credit cards for groceries of January 2022
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    Updated

    2021-12-30T23:20:27Z

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    Best grocery credit card Editor’s rating Best for Intro bonus Learn more

    American Express American Express® Gold Card

    American Express® Gold Card

    A five pointed star 4.59 /5

    Best for earning points on groceries at US supermarkets

    60,000 points after you spend at least $4,000 in your first 6 months of account opening

    Apply Now Rates & Fees

    Chase Chase Sapphire Preferred® Card

    Chase Sapphire Preferred® Card

    A five pointed star 4.8 /5

    A tooltip

    Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

    Best for online grocery purchases

    60,000 points

    A tooltip

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

    Apply Now

    Citi Citi Premier® Card

    Citi Premier® Card

    A five pointed star 4.3 /5

    Best for earning bonus points on groceries and lots of other categories

    80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

    Apply Now

    Chase Chase Freedom Flex℠

    Chase Freedom Flex℠

    A five pointed star 4.65 /5

    Best if you’re a new cardholder

    $200 after spending $500 on purchases in the first three months from account opening

    Apply Now

    Discover Discover it® Cash Back

    Discover it® Cash Back

    A five pointed star 4.42 /5

    A tooltip

    Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

    Best for cash back in rotating categories

    N/A

    Apply Now Rates & Fees

    American Express Blue Cash Preferred® Card from American Express

    Blue Cash Preferred® Card from American Express

    A five pointed star 4.3 /5

    Best for cash back on groceries at US supermarkets

    $300 statement credit after spending $3,000 in purchases on your new card within the first 6 months

    Apply Now Rates & Fees

    Capital One Capital One SavorOne Cash Rewards Credit Card

    Capital One SavorOne Cash Rewards Credit Card

    A five pointed star 4.09 /5

    Best for cash back on groceries with no annual fee

    Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening

    Apply Now

    Chase Amazon Prime Rewards Visa Signature Card

    Amazon Prime Rewards Visa Signature Card

    A five pointed star 4.3 /5

    Best for Whole Foods and Amazon

    $150 Amazon gift card instantly upon approval

    Learn more

    American Express Amex EveryDay® Preferred Credit Card from American Express

    Amex EveryDay® Preferred Credit Card from American Express

    A five pointed star 4.4 /5

    Best for Amex points with a sub-$100 annual fee

    15,000 points after you spend $1,000 on purchases in the first three months of account opening

    Learn More

    The best credit cards for groceries of January 2022

    If you spend a lot of money on groceries, it makes sense to use a credit card that earns bonus rewards at the supermarket to make the most of this unavoidable expense.

    Fortunately, there are lots of credit cards that offer bonus points, miles, or cash back at the grocery store — and some even don’t charge an annual fee. One of the best picks if you like earning flexible points is the American Express® Gold Card , which earns 4x points at U.S. supermarkets on up to $25,000 in spending per year (then 1x).

    That’s my go-to card for grocery spending, but if the supermarket I’m shopping at doesn’t accept Amex, I’ll use my Citi Premier® Card to earn 3x points instead.

    Read more: Guide to the best rewards credit cards

    The Chase Sapphire Preferred® Card is a new entry on this list, because it now offers 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs).

    Here are our top credit card picks for earning the most rewards at grocery stores.

    Featured cash back credit cards from our partners

    Featured Reward

    2% cash back on all purchases

    Credit Needed

    Good to Excellent

    Featured Reward $200 after spending $500 on purchases in the first three months from account opening

    Credit Needed Good to Excellent

    Featured Reward $200 after spending $500 on purchases in the first three months from account opening

    Credit Needed Good to Excellent

    Best for earning points at US supermarkets: American Express® Gold Card

    Regular APR

    See Pay Over Time APR

    Featured Reward

    60,000 points after you spend at least $4,000 in your first 6 months of account opening

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  • Pros & Cons
  • Details
  • Pros
    • Great rewards for dining and for shopping at US supermarkets
    • Monthly statement credit for eligible dining purchases recoups some of the annual fee
    Cons
    • Underwhelming welcome bonus
    • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
    • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
    • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
    • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
    • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.

    Read Our Review Read Our Review A looong arrow, pointing right

    The American Express® Gold Card is an excellent all-around choice for foodies, offering 4x points on up to $25,000 in combined annual purchases (then 1x) at U.S. supermarkets. It also earns 4x points at restaurants, 3x points on airfare booked with the airline or through Amex Travel, and 1 point per dollar on all other eligible purchases.

    Read more: 3 reasons why the Amex Gold card is an easy choice for foodies, travelers, and even beginners

    In addition, cardholders receive up to $120 per year in dining credits (up to $10 per month) with participating restaurants and food delivery services, and up to $120 per year (up to $10 per month) in Uber Cash credits. The card charges a $250 annual fee (See Rates), but if you take advantage of these credits and other perks, you can more than offset the yearly cost.

    Read more: American Express Gold Card review

    Best for online grocery purchases: Chase Sapphire Preferred® Card

    Regular APR

    15.99%-22.99% Variable

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  • Pros & Cons
  • Details
  • Pros
    • High sign-up bonus starts you off with lots of points
    • Strong travel coverage
    Cons
    • Doesn’t offer a Global Entry/TSA PreCheck application fee credit
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 03/31/22.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

    Read Our Review Read Our Review A looong arrow, pointing right

    The pandemic has shifted consumer grocery shopping habits, with many now preferring to order groceries online for curbside pickup or delivery. As part of a recent refresh, the Chase Sapphire Preferred® Card now offers 3x points for online grocery purchases.

    Read more: The Chase Sapphire Preferred and Sapphire Reserve are adding lucrative new bonus categories and benefits — with no change in annual fees

    You’ll earn bonus points when you use your card to pay for grocery pickup and delivery orders that are placed online with grocery stores, specialty food stores, meal kit delivery services, or delivery service merchants that classify as grocery store merchants (excluding membership and subscription fees). 

    Purchases from Target, Walmart, and wholesale clubs, liquor stores, and merchants that specialize in only a few grocery items do not qualify. Pharmacy purchases (even from those located in supermarkets), gift cards, gift boxes, and gift baskets aren’t eligible, either.

    Read more: Chase Sapphire Preferred card review

    Best for earning bonus points on groceries and lots of other categories: Citi Premier® Card

    Regular APR

    15.99% – 23.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

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  • Pros & Cons
  • Details
  • Pros
    • Strong sign-up bonus
    • Generous bonus categories
    Cons
    • Doesn’t offer much in the way of statement credits or other perks
    • Citi ThankYou Rewards may not be as convenient as other points for US-based travelers
    • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
    • Earn 3 Points per $1 spent at Restaurants and Supermarkets
    • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
    • Earn 1 Point per $1 spent on all other purchases
    • Annual Hotel Savings Benefit
    • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases

    Read Our Review Read Our Review A looong arrow, pointing right

    The Citi Premier® Card might not be the first card that comes to mind for groceries, but if you’re looking for an all-purpose card that earns bonus rewards in lots of categories — including the supermarket — it’s an excellent choice.

    Read more: The Citi Premier card is often overlooked — here’s why it should be your go-to card right now

    Along with a welcome bonus of 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening, you’ll earn 3x points at supermarkets, gas stations, restaurants, hotels, and on airfare, and 1 point per dollar on all other eligible purchases. Citi ThankYou points are often underrated, but they’re incredibly versatile — you can transfer them to airline partners, use them to book travel through the Citi ThankYou portal, or redeem them for gift cards, cash back, merchandise, and more.

    Read more: Citi Premier credit card review

    Best if you’re a new cardholder: Chase Freedom Flex℠ and Chase Freedom Unlimited®

    Regular APR

    14.99% – 24.74% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    $200 after spending $500 on purchases in the first three months from account opening

    Intro APR

    0% intro APR on purchases and balance transfers for the first 15 months

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  • Pros & Cons
  • Details
  • Pros
    • No annual fee
    • Generous bonus cash-back categories
    • Great welcome bonus
    Cons
    • Booking through Ultimate Rewards portal can restrict outside earning potential
    • Varying percentages and rotating calendar categories require extra attention
    • 3% foreign transaction fees
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 3% cash back on dining at restaurants, including takeout and eligible delivery services
    • 3% cash back on drugstore purchases
    • 5% cash back on travel purchased through Chase Ultimate Rewards®, and 1% on all other purchases.
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% – 24.74%.
    • No annual fee.

    Read Our Review Read Our Review A looong arrow, pointing right

    Regular APR

    14.99% – 24.74% Variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    $200 after spending $500 on purchases in the first three months from account opening

    Intro APR

    0% intro APR on purchases and balance transfers for the first 15 months

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  • Pros & Cons
  • Details
  • Pros
    • Solid flat cash-back rate
    • You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
    • No annual fee
    Cons
    • Some other cards offer a higher rate of cash back on certain types of purchases
    • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
    • 3% cash back on dining at restaurants, including takeout and eligible delivery services
    • 3% cash back on drugstore purchases
    • 5% on travel purchased through Chase Ultimate Rewards®
    • Unlimited 1.5% cash back on all other purchases
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% – 24.74%.
    • No annual fee.

    Read Our Review Read Our Review A looong arrow, pointing right

    The Chase Freedom Flex℠ and Chase Freedom Unlimited® don’t always make our best grocery credit card list, but right now they’re an excellent choice if you’re a new cardholder.

    Read more: Chase Freedom Unlimited card review

    The Chase Freedom Flex℠ and Chase Freedom Unlimited® both offer a welcome bonus of $200 after spending $500 on purchases in the first three months from account opening. Plus, new cardholders can earn 5% cash back (5x points) at grocery stores (excluding Target and Walmart) on up to $12,000 in spending during the first year of account opening (then 1x).

    New and current Chase Freedom Flex℠ cardholders can also do well with the Chase Freedom 5x bonus categories in the first quarter of 2022. From January 1 to March 31, 2022, you can earn 5% cash back (5x points) on up to $1,500 in combined purchases (then 1%) at grocery stores (excluding Target and Walmart) and eBay when you activate the bonus.

    Read more: Chase Freedom Flex card review

    This bonus will stack with the new cardholder grocery store bonus, up to spending limits. Because the new cardmember bonus and quarterly bonus are earned as 4% bonus cash back on top of the 1% cash back earned on every purchase, the maximum you can earn for grocery store purchases in Q1 is 9% cash back (1% earned on every purchase, plus 4% for the quarterly bonus, plus 4% for the new cardmember bonus). 

    Best for cash back in rotating categories: Discover it® Cash Back

    Regular APR

    11.99% – 22.99% Variable

    Intro APR

    0% intro APR for 14 months on purchases and balance transfers

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  • Pros & Cons
  • Details
  • Pros
    • Earns 5% cash back at Grocery Stores and Fitness Club & Gym Memberships on up to $1,500 in purchases after enrollment from January 1 to March 31, 2022, then 1% (excludes Walmart and Target purchases)
    • Discover will match your cash back at the end of your first account year
    • No annual fee
    Cons
    • Cap on how much bonus cash back you can earn each quarter
    • If the quarterly categories aren’t convenient for you, you can earn more cash back with a different card
    • Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
    • Plus, earn unlimited 1% cash back on all other purchases – automatically.
    • Redeem cash back in any amount, any time. Rewards never expire.
    • Use your rewards at Amazon.com checkout.
    • No annual fee.
    • Discover is accepted nationwide by 99% of the places that take credit cards.
    • Click “Apply Now” to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

    Read Our Review Read Our Review A looong arrow, pointing right

    The Discover it® Cash Back is a terrific pick for groceries in the first quarter of 2022, because from January 1 to March 31, you can earn 5% cash back on up to $1,500 spent in at grocery stores and on fitness/gym club memberships (then 1%) when you activate the bonus (from January 1 to March 31, 2022, you can earn 5% cash back at Grocery Stores (excluding Walmart and Target) and Fitness Club & Gym Memberships on up to $1,500 in purchases after enrollment, then 1%).

    Read more: Discover it Cash Back card review

    This is also a great choice if you prefer a card with no annual fee and like the simplicity of cash back. The Q1 grocery category overlaps with that of the Chase Freedom Flex℠, so if you’re not sure which card is right for you, check out our comparison of the Discover it Cash Back and Chase Freedom Flex to help decide.

    Best for cash back at US supermarkets: Blue Cash Preferred® Card from American Express

    Annual Fee

    $0 intro for the first year, then $95

    Regular APR

    13.99% to 23.99% variable APR

    Featured Reward

    $300 statement credit after spending $3,000 in purchases on your new card within the first 6 months

    Intro APR

    0% intro APR on purchases for 12 months from account opening

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  • Pros & Cons
  • Details
  • Pros
    • Generous bonus rewards, especially at U.S. supermarkets
    • One of a small handful of credit cards that offer bonus rewards on select streaming services
    • Intro APR offer
    Cons
    • Unlike many other cash-back cards, it charges an annual fee
    • If you spend more than $6,000 at US supermarkets each year, you’ll want to use another card once you reach that cap
    • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    • $0 intro annual fee for the first year, then $95.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
    • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms Apply.

    Read Our Review Read Our Review A looong arrow, pointing right

    If you prefer earning cash back on your grocery spending, the Blue Cash Preferred® Card from American Express can’t be beat. It earns 6% cash back at US supermarkets on up to $6,000 in purchases each year (then 1%) — so by maximizing this category alone by spending, on average, $500 a month on groceries, you can earn $360 in cash back each year.

    Read more: Amex Blue Cash Preferred card review

    The card also offers 6% back on select US streaming services, 3% on transit, 3% at US gas stations, and 1% on all other purchases. There’s an annual fee of $95 (intro of $0 the first year) (See rates), but if you spend a lot in the card’s bonus categories, you can make up for the cost easily (cash back is received in the form of Reward Dollars).

    Read more: The best credit cards for streaming services

    Best for cash back on groceries with no annual fee: Capital One SavorOne Cash Rewards Credit Card

    Regular APR

    14.99% – 24.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening

    Intro APR

    0% intro APR on purchases and balance transfers for 15 months

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  • Pros & Cons
  • Details
  • Pros
    • No annual fee
    • Bonus cash back on dining, entertainment, and grocery store purchases
    • Long intro APR period for purchases and balance transfers
    Cons
    • Other cards earn more cash back in certain bonus categories
    • Not the highest sign-up bonus among cash-back cards
    • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
    • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
    • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
    • 0% intro APR on purchases and balance transfers for 15 months; 14.99% – 24.99% variable APR after that
    • No foreign transaction fee
    • No annual fee

    Read Our Review Read Our Review A looong arrow, pointing right

    If you like earning cash back without paying an annual fee, the Capital One SavorOne Cash Rewards Credit Card is an easy choice — especially since there are no caps or geographic restrictions on what you can earn. Cardholders earn an unlimited 3% cash back on groceries, dining, entertainment, and streaming services, and 1% back on everything else.

    Read more: Capital One SavorOne credit card review

    The card offers a decent welcome bonus: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening, and it doesn’t add foreign transaction fees, so it’s a good choice if you’re traveling abroad.

    Best for Whole Foods and Amazon: Amazon Prime Rewards Visa Signature Card

    Regular APR

    14.24% to 22.24% Variable

    Featured Reward

    $150 Amazon gift card instantly upon approval

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  • Pros & Cons
  • Details
  • Pros
    • 5% cash back at Amazon and Whole Foods is hard to beat
    • Earns 2% cash back on other popular categories (restaurants, gas stations, drugstores)
    • No annual fee (though you have to be an Amazon Prime member)
    Cons
    • Other cards offer higher cash-back rates on non-Amazon purchases
    • 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership*
    • 2% Back at restaurants, gas stations, and drugstores
    • 1% Back on all other purchases
    • No annual credit card fee
    • No foreign transaction fees

    Read Our Review Read Our Review A looong arrow, pointing right

    Amazon Prime members can take the sting out of their Whole Foods grocery bill when they use the Amazon Prime Rewards Visa Signature Card . With a Prime membership, cardholders earn 5% back on Whole Foods and Amazon purchases (including Amazon Fresh), 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

    Read more: Amazon Prime Rewards Visa Signature credit card review

    If you don’t have a Prime Membership, the card earns 3% back instead of 5%. There’s no annual fee and no foreign transaction fees, so this card is a good pick if you spend a lot at Whole Foods and Amazon. If you shop at other supermarkets, though, you’ll likely do better with a card that earns a bonus at all grocery stores.

    Best for Amex points with a sub-$100 annual fee: Amex EveryDay® Preferred Credit Card from American Express

    Regular APR

    12.99% to 22.99% Variable

    Featured Reward

    15,000 points after you spend $1,000 on purchases in the first three months of account opening

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details
  • Pros
    • Strong rewards at US supermarkets
    • You can earn a 50% points bonus each billing period when you make at least 30 purchases
    Cons
    • Annual cap on earning bonus rewards at US supermarkets
    • Not the best option for earning rewards outside of US supermarkets and US gas stations — especially if you don’t make at least 30 purchases per billing statement to earn the bonus
    • The information for the Amex EveryDay Preferred Card has been collected independently by Business Insider, and has not been reviewed or provided by the card issuer
    • 3x points at US Supermarkets
    • 2x points at US gas stations
    • 1x points on all other eligible purchases
    • Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits. Terms apply.

    Read Our Review Read Our Review A looong arrow, pointing right

    Of all the Amex cards in my wallet, I’ve had the Amex EveryDay® Preferred Credit Card from American Express the longest. Before I opened the Amex Gold Card, this was my primary card for grocery spending because it earns 3x points at U.S. supermarkets on up to $6,000 in spending per year (then 1x). It also earns 2x points at U.S. gas stations, and 1 point per dollar on all other eligible purchases.

    Read more: Guide to the best American Express cards

    The card has a trick up its sleeve, too. If you make at least 30 purchases on the card in a billing cycle, you’ll get a 50% bonus on all the points you’ve earned, effectively bumping the rate to 4.5x points at U.S. supermarkets (up to spending limits). The Amex EveryDay® Preferred Credit Card from American Express also comes with a much more manageable annual fee of $95 (See Review) compared to the Amex Gold Card.

    Jasmin Baron is an editor at Insider, responsible for credit card coverage on Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF).Before joining the Insider team, she was a senior editor at The Points Guy and Million Mile Secrets, covering credit cards, points and miles, and loyalty programs. Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.You can reach Jasmin at jbaron@insider.com. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »

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    Disclosure: This post may highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team. Read our editorial standards.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

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