$95/(0.06-0.03)=$3,166.67

If you spend $263.89 or more per month at grocery stores it makes sense to upgrade to the Blue Cash Preferred. Keep in mind this excludes Costco, Walmart, Target.

If you buy groceries at Whole Foods and are a Prime member, you can get 5% via the no annual fee Prime Rewards Visa, which makes sense if you spend under $95/(0.06-0.05)=$9,500 per year at Whole Foods.

I use this Amex card for everything, the 6% back on groceries is great and more than pays for the cards higher fee. The last two years we've capped out the 6k max which is $350 right there.

Bonus, the card is clear plastic which everyone comments on when they see it.

Interesting. I have a similar Amex clear plastic card and I don't recall anyone ever commenting on it.

That's fun - can you see the antenna they mould into the plastic?

There's no antenna, contactless payment cards are pretty uncommon in the US.

There is an Amex clear card with antenna. They kind of built it into the design. I can't remember which one is was though.

I have the Canadian Amex Simply Cash, it's clear and has an antenna for contactless payments