Worst card for cash back: Kroger REWARDS World Mastercard
This card offers bonus rewards at Kroger and Kroger Family of Companies and 1 point per dollar everywhere else. The catch is that you need 1,000 points for $5 in free groceries, meaning you’re getting a 0.5% base rewards rate.’The typical base rewards rate for any rewards card is 1%,’ says Ben Luthi, a credit card writer for MoneyTips, ‘making this card particularly disappointing.’
Instead, consider the Citi Double Cash Card, which offers 1% cash back on every purchase you make and another 1% cash back when you pay it off. Explains Luthi, ‘Effectively, you’ll earn a net rate of 2% every time you use the card.’ Learn more about cash-back cards.