Best Credit Card for Factor Meals in 2026
We ranked major rewards cards by the rates and caveats we track for Factor Meals. The top listed option shows up to 6% — review the notes before relying on it.
8 cards earning 2%+ at Factor Meals · sorted by highest cash back · updated Q2 2026
Rankings use issuer/product-page reward terms where available. Rotating categories, legacy cards, and needs-review cards are labeled separately so old or uncertain offers do not look like normal applyable recommendations.
Why #1: Strong current match: earns up to 6% cash back at Factor Meals, subject to the issuer's caps, exclusions, and redemption terms. Annual fee: $95/yr.
Why #2: This rotating category is active right now — consider this card at Factor Meals for up to 5% cash back this quarter after issuer activation.
Why #3: Limited availability: consider this only if you already have the Citi Custom Cash® Card. It may earn up to 5% cash back at Factor Meals, subject to the card's current terms.
Why #4: This rotating category is active right now — consider this card at Factor Meals for up to 5% cash back this quarter after issuer activation.
Why #5: Strong current match: earns up to 5% cash back at Factor Meals, subject to the issuer's caps, exclusions, and redemption terms. No annual fee required.
Why #6: Strong choice at up to 4.5% est. value for Factor Meals. $95/yr annual fee.
Why #7: Strong choice at up to 4% est. value for Factor Meals. No annual fee.
Why #8: Strong choice at up to 4% est. value for Factor Meals. $325/yr annual fee.
Frequently Asked Questions
What is the best credit card to use at Factor Meals?
The top listed card at Factor Meals right now is the Blue Cash Preferred® Card from Amex, showing up to 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.