FYI you can product change a Citi card into a custom cash card now allowing you to have more than one.I currently have the Amex Gold for the grocery shopping and restaurants/eating out but I'm thinking about switching over to Blue cash preferred. You get 6% in grocery stores but only up to $6000 a year and 6% on streaming services and 3% on gas. I don't use any of the travel perks that come with the gold card. I lose the 4x points on eating out but I have the custom cash card by citi and can use two exclusively as my eating out card because I'll get 5% back in restaurants using that card. In terms of groceries, it has the $6000 a year cap, I have chase freedom card and the Amazon prime card and throughout the year they usually have a time period where groceries are 5% cash back, so I could use that once in a while so I don't pass that $6000 a year cap. The annual fee difference $250 to $95. Am I better off switching to Blue cash preferred ?
A 2nd custom cash could be used as a 5% grocery card with no annual fee and as long as your spend is under $500 a month you're good. That can be further supported with Chase Freedom and Discover It which usually each offer 5% back on grocery in different quarters on an additional $1500 in spend a quarter. That's 6 months of their $1500.
There are other options. I been thinking about product changing my Citi double cash into a 2nd custom cash.