The Hunt for a Drugstore or Pharmacy Cash Back Card

July 11, 2013

Amoxicillin (Generic Term) Antibiotics PerscriptionWe have been on a hunt to find the best credit cards to use at drug stores for Pharmacy purchases and it has not been easy. Drugstore purchases are normally things you need last minute or something you forgot at the grocery store or could be your medication which could add up to a lot of money over time.  I had a few credit cards that I was using for drugstores but they are no longer offering the high percentage of cash back as before.  We now want to to look at this again and find some other alternatives.

We all mostly know about the Walgreen’s Balance Rewards and the CVS ExtraCare programs but I want to earn additional rewards for my purchases on top of this! Looking at the credit cards I found a few banks that most sites did not mention (mostly because they are not getting a cut). The Wells Fargo Cash Back Visa is somewhat generous but still a few percentages from our 5% we were used to earning. Earn 3% cash rewards on gas, grocery, and drugstore purchases for 6 months with the Wells Fargo Cash Back card for 6 months. Plus, you’ll always earn 1% for every $1 spent on all other net purchases.

Citizens Bank will allow you to earn 5% cash back on all gas, grocery and drug store purchases for the first 90 days and 1% cash back on all other purchases. After 90 days, earn 1% cash back on all purchases.  This is almost the run that Citi Cards gave us with their Thank You Preferred Card for the first 6 mos but isn’t 90 days such a tease?

AAA and Bank of America announced the new AAA Member Rewards Visa credit card earlier this year. The card provides triple points on all qualifying travel and AAA purchases, double points for gas, grocery and drug store purchases and one point for every dollar spent on all other purchases.  This would be great for travel especially and your pharmacy double cash back is supposed to be icing on the cake.  Keep in mind there are lots of 2% cards out there so a measly two percent does not impress me.  Just get an Arrival card because that is your best solution and no AAA membership needed.

The popular cards for drugstores that were taken away were the Citi Thank You, American Express Hilton HHonors, and Citi Hilton HHonors which stopped giving their 3x and 5x cash back. The only card that really does is the US Bank Cash+ only if you have a bank account open with them.

Grocery Store credit cards could be the answer such as the Target card at 5% or the Kroger card at 3% if you buy their brands but does not include Pharmacy on the Kroger 123 card. 2% cards are a dime a dozen these days with the Arrival card and Spark Cash. I don’t normally get excited for a small 2% back. A friend of mine told me that the Target issued card does include 5% at their pharmacy so that may work out! Cards such as the Blue Cash Preferred Card from American Express where you can get 6% back but it has an annual fee and that is really the only good thing about that card.  I have not tried the grocery store pharmacy but doubt that would work when it is an independent drug store owner and not Kroger. You also have Discover below where you can save quarterly on things like groceries if they come up in one of the quarters but right now it is gas purchases which can definitely help out with summer travel.

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