Best Credit Card for Factor Meals in 2026
We ranked every major cash back credit card by what you actually earn at Factor Meals. The top pick earns 6% — here's the full breakdown.
8 cards earning 2%+ at Factor Meals · sorted by highest cash back · updated Q1 2026
Why #1: Top pick: earns 6% cash back at Factor Meals — the highest rate available. Annual fee of $95/yr is easily offset by heavy use.
Why #2: This rotating category is active right now — swipe this card at Factor Meals to earn 5% cash back this quarter (activation required at issuer site).
Why #3: Top pick: earns 5% cash back at Factor Meals — the highest rate available. No annual fee required.
Why #4: This rotating category is active right now — swipe this card at Factor Meals to earn 5% cash back this quarter (activation required at issuer site).
Why #5: Top pick: earns 5% cash back at Factor Meals — the highest rate available. No annual fee required.
Why #6: Strong choice at 4.5% — among the best non-co-branded cards for Factor Meals. $95/yr annual fee.
Why #7: Strong choice at 4% — among the best non-co-branded cards for Factor Meals. No annual fee.
Why #8: Strong choice at 4% — among the best non-co-branded cards for Factor Meals. No annual fee.
Frequently Asked Questions
What is the best credit card to use at Factor Meals?
The best card at Factor Meals right now is the Blue Cash Preferred® Card from Amex, earning 6% cash back. 6% at Factor Meals — typically codes as grocery (MCC 5411); ⚠️ some transactions may code as dining (MCC 5812) = 1% on BCP. Check your statement.
Does any credit card offer more than 2% at Factor Meals?
Yes — the Blue Cash Preferred® Card from Amex at 6%, the Chase Freedom Flex® at 5%, the Citi Custom Cash® Card at 5% all earn above 2% at Factor Meals.
What are rotating category credit cards?
Cards like the Chase Freedom Flex and Discover it Cash Back offer 5% cash back on rotating categories that change each quarter (up to $1,500/quarter). You must activate the bonus each quarter at the issuer's website. When Factor Meals's category is active, these cards can be the top earners.
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Search All Stores →Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.