Fetch Rewards and Ibotta Credit Cards

Best Credit Cards to Use With Ibotta and Fetch Rewards


Michael Saves has partnered with CardRatings for our coverage of credit card products. Michael Saves and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


Ibotta and Fetch Rewards are my two favorite shopping apps, but they’re only part of my overall strategy to save money on groceries. I also like to pair these two apps with rewards credit cards to lower my grocery bill.

In this article, I’ll share the credit cards that I use alongside Ibotta and Fetch Rewards to maximize my earnings.

Before I get to the list, keep in mind that rewards credit cards are best for people who pay off their balances in full every month. Otherwise, you’ll owe more in credit card interest than you’ll earn in rewards.

If you’re an Ibotta and Fetch Rewards member who uses credit cards, these recommendations are for you. Let’s get started!

Supersize Ibotta and Fetch Rewards Earnings With These Credit Cards

When you’re redeeming Ibotta and Fetch Rewards offers at a traditional grocery store, the Blue Cash Preferred® Card from American Express can’t be beat. It awards 6% back at U.S. supermarkets on up to $6,000 in purchases a year.

The list of eligible stores includes many regional supermarkets, plus national grocery stores like Aldi, Trader Joe’s and Whole Foods Market.

I like to use Ibotta and Fetch Rewards at Publix, which is a regional grocery store near me. It’s eligible for the 6% back, so I always pay for groceries with the Blue Cash Preferred Card from American Express card at Publix.

American Express has a partial list of stores that qualify as U.S. supermarkets here.

Not sure if your grocery store is eligible? Make a small test purchase and check your American Express statement online. As you can see in the image below, purchases that earn 6% back will be highlighted.

Unfortunately, you won’t earn 6% back on grocery purchases at superstores, warehouse clubs and convenience stores with this card. That means no 6% back at Walmart and Target.

When I’m redeeming shopping app offers at those stores, I’ll use the Citi Double Cash Card for up to 2% back. Compare top cash back credit cards here.

For purchases at drugstores, I recommend the Chase Freedom Flex card for 3% cash back. Chase Freedom Flex is also a great alternative to the Blue Cash Preferred card for grocery store purchases. Here’s why:

  • As of this writing, you can earn 5% back on purchases at grocery stores (up to $12,000) during your first year.
  • Grocery stores are typically one of the 5% bonus categories for three months out of the year.

Of the three credit cards that I use alongside Ibotta and Fetch Rewards, only the Blue Cash Preferred® Card from American Express carries a $95 annual fee. (See Rates and Fees) Chase Freedom Flex and Citi Double Cash have no annual fee.

Let’s recap the cards that I use when redeeming Ibotta and Fetch Rewards grocery offers at various types of stores:

Store TypePreferred Credit CardCash Back
U.S. Supermarkets American Express Blue Cash Preferred6% Back
Superstores
Warehouse Clubs
Convenience Stores
Citi Double Cash Card2% Back
Drugstores Chase Freedom Flex3% Back

The Blue Cash Preferred Card from American Express, Chase Freedom Flex and Citi Double Cash cards aren’t only my favorites for using with shopping apps — they’re part of my Big 3 Credit Card Strategy.

Watch the video below for details and get more information about these cards at CardRatings.com!

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Michael Saves has partnered with CardRatings for our coverage of credit card products. Michael Saves and CardRatings may receive a commission from card issuers.

User Generated Content Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

See Rates and Fees for the American Express card featured in this article.

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