{"id":23124,"date":"2026-01-28T21:24:59","date_gmt":"2026-01-28T21:24:59","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=23124"},"modified":"2026-01-28T21:25:00","modified_gmt":"2026-01-28T21:25:00","slug":"how-a-new-credit-card-can-fight-inflation","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=23124","title":{"rendered":"How a new credit card can fight inflation"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_6fb0298759ebd01db5eadc26856fe713\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The ongoing impact of inflation in recent years has left many Americans tightening their wallets.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            One surprising solution for combating the negative impacts of high prices may be opening a new credit card that allows you to offset higher costs with cash back savings and other rewards.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            But while welcome bonuses, rewards and miles can all help take the sting out of spending, it\u2019s important to use these cards responsibly and limit the balance you carry.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Recent inflation has left many Americans paying more at the gas pump, the grocery store and other places they\u2019d rather not. And while this isn\u2019t great news, Americans have weathered these storms before. From coupon clipping to discount shopping, we know there are ways to soften the blow of high prices.<\/p>\n<p>By using your credit cards strategically, you may be able to earn discounts in common spending categories where prices are rising. Plus, a new credit card that fits your spending patterns \u2014 especially one offering hefty rewards and an attractive interest rate \u2014 could be another useful weapon in the fight against higher costs.<\/p>\n<p>Here are tips on how you can use your credit card \u2014 especially a new one \u2014 to fight inflation no matter its level.\u00a0<\/p>\n<h2 id=\"the-impact-of-inflation-on-credit-card-debt\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The impact of inflation on credit card debt\" data-outcome=\"\">The impact of inflation on credit card debt<\/h2>\n<p>After rising for more than a year, the Consumer Price Index (CPI) \u2014 one of the most widely used measures of inflation, which takes into account consumer prices for everything from groceries to gas \u2014 peaked at 9.1% in June 2022, according to the U.S. Bureau of Labor Statistics. Although this rate has since fallen to 3.0% as of September 2025, it\u2019s still slightly higher than the 2% inflation rate typically targeted by the Federal Reserve.\u00a0<\/p>\n<p class=\"Tldr my-6\">\n    Translation: In the past few years, Americans\u2019 purchasing power has eroded, meaning it takes more of our money to buy goods and services.\n<\/p>\n<p>In an effort to curb inflation, the Federal Reserve maintained the target federal funds rate to a range of 5.25% to 5.50% for a long stretch. When the Fed bumps up that rate, that action tends to trickle down to interest rates for credit cards. How? If the federal funds rate climbs, then the prime rate climbs and the interest rates for credit cards are likely to climb as well.<\/p>\n<p>In September 2024, however, the Fed finally began cutting interest rates, starting with a half percentage point, for a new target range of 4.75% to 5.00% \u2014 a signal that the Fed felt good about where inflation was going. In December 2025, the Fed issued its latest quarter-point cut, targeting a range of 3.50% to 3.75% \u2014 the lowest since late 2022. But even with falling rates, credit card debt is still expensive debt.\u00a0<\/p>\n<p>As of December 2025, the average credit card interest rate stands at just under 20%, according to Bankrate data. This increase \u2014 up from an average of 16.17% in 2022 \u2014 is making it more expensive for many consumers to carry a balance on their credit cards.<\/p>\n<p>Unfortunately, even though there has been progress in the Federal Reserve\u2019s fight to lower inflation \u2014 the Federal Reserve\u2019s interest rate cuts are proof of that \u2014 Americans may not see immediate relief. That\u2019s because the higher prices driven by past inflation continue to diminish individuals\u2019 ability to save. A credit card can help bridge that gap and put money back into your pocket.\u00a0<\/p>\n<h2 id=\"how-the-right-card-can-fight-high-prices\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How the right card can lessen the sting of high prices\" data-outcome=\"\">How the right card can lessen the sting of high prices<\/h2>\n<p>Just as inflation nibbles away at the spending power of cash, it also can nibble away at the spending power of credit cards. However, a credit card with robust rewards, bonuses and benefits can help you offset inflation and higher prices. Here\u2019s how:<\/p>\n<h3>It can provide lucrative rewards<\/h3>\n<p>Credit card rewards can save you money on your everyday spending, especially if the rewards come in the form of cash back. You could get anywhere from 1% to 5% back or more, depending on what you\u2019re buying and what card you have. If you have a travel credit card that earns points or miles, you could stretch your savings even further by having your rewards offset some of the costs of an upcoming trip.\u00a0<\/p>\n<p>On top of that, the sign-up bonus you receive when opening a new rewards card can help cushion the blow of rising prices, especially if you\u2019re planning a large purchase.\u00a0<\/p>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Star Icon<\/default:title><br \/>\n<default:path d=\"M8.244 24a1.92 1.92 0 0 1-1.19-.415 2.122 2.122 0 0 1-.778-2.042l.762-4.63a.706.706 0 0 0-.196-.622L3.61 13.01a2.15 2.15 0 0 1-.517-2.137c.238-.77.853-1.324 1.624-1.436l4.469-.675a.683.683 0 0 0 .516-.39l2.001-4.214C12.05 3.441 12.73 3 13.5 3c.77 0 1.451.45 1.796 1.16l2 4.213a.697.697 0 0 0 .517.39l4.47.675c.762.112 1.385.666 1.623 1.436a2.15 2.15 0 0 1-.517 2.137l-3.23 3.28a.73.73 0 0 0-.197.622l.762 4.63a2.127 2.127 0 0 1-.787 2.042 1.91 1.91 0 0 1-2.116.173l-3.993-2.19a.664.664 0 0 0-.648 0l-3.993 2.19A1.903 1.903 0 0 1 8.26 24h-.016Z\" fill=\"transparent\" class=\"icon-offset\"\/><default:path d=\"M6.494 23c-.439 0-.877-.145-1.246-.435a2.223 2.223 0 0 1-.816-2.14l.799-4.849a.74.74 0 0 0-.206-.653L1.64 11.488a2.253 2.253 0 0 1-.541-2.24c.249-.806.893-1.386 1.7-1.504l4.682-.707a.716.716 0 0 0 .542-.408l2.096-4.414C10.479 1.462 11.193 1 12 1c.807 0 1.52.471 1.881 1.215l2.096 4.414a.73.73 0 0 0 .542.408l4.681.707c.8.118 1.452.698 1.701 1.505.24.798.035 1.659-.54 2.239l-3.386 3.435a.764.764 0 0 0-.206.653l.8 4.85c.137.825-.181 1.64-.825 2.139a2.001 2.001 0 0 1-2.217.181l-4.183-2.293a.696.696 0 0 0-.679 0l-4.184 2.293c-.309.172-.644.254-.97.254h-.017ZM11.99 2.46a.713.713 0 0 0-.652.416L9.242 7.291c-.309.643-.893 1.097-1.58 1.196l-4.682.707a.717.717 0 0 0-.584.517.735.735 0 0 0 .18.752L5.961 13.9c.498.508.721 1.233.61 1.949l-.8 4.85a.735.735 0 0 0 .276.716c.232.181.524.2.773.063l4.184-2.293a2.015 2.015 0 0 1 1.95 0l4.183 2.293a.69.69 0 0 0 .773-.063.753.753 0 0 0 .284-.716l-.8-4.85a2.253 2.253 0 0 1 .61-1.949l3.385-3.435a.732.732 0 0 0 .18-.753.717.717 0 0 0-.583-.517l-4.682-.707c-.679-.1-1.272-.553-1.58-1.196l-2.097-4.415a.705.705 0 0 0-.653-.417h.017Z\" class=\"icon-base\"\/><\/default:svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Keep in mind:<br \/>\n        <\/strong><br \/>\n        These rewards will only offset the costs of inflation if you don\u2019t carry a balance on your card. If you do, you\u2019ll be charged interest, which will likely cancel out the value of any rewards you earn.\n    <\/p>\n<\/div>\n<h3>It can help you save on essentials like gas and groceries<\/h3>\n<p>The cost of food increased an average of 3.1% from September 2024 to September 2025, according to data from the U.S. Bureau of Labor Statistics, while electricity and home gas service prices appear to have increased by 6.4% for the same time frame.\u00a0<\/p>\n<p>Consumers are clearly still facing high costs on essentials. The average family of four with two adults and two kids ages eight and 10 is now spending $1,351 per month on a moderate food spending plan, according to September 2025 data from the U.S. Department of Agriculture.<\/p>\n<p>The good news is that credit cards can help you out. Plenty of cards offer rewards on groceries and food delivery, dining out, gas at the pump and other common spending categories.<\/p>\n<p>In some cases, you can find a credit card that covers multiple categories \u2014 such as a flat-rate cash back card that rewards you with the same rate of cash back on all spending. No matter which credit card you choose, you\u2019re able to earn rewards on the food and fuel spending you would\u2019ve done anyway.<\/p>\n<h2 id=\"what-to-consider-when-choosing-a-card\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What to consider when picking a credit card\" data-outcome=\"\">What to consider when picking a credit card<\/h2>\n<p>If you\u2019re considering credit cards that deliver high-price-fighting rewards, take these factors into consideration before deciding:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Your overall spending patterns:<\/strong> Examine your spending over the past few months so you can find a card that rewards your everyday expenses.<\/li>\n<li>\n<strong>What kinds of rewards you want to earn: <\/strong>You may benefit from a credit card that provides an attractive amount of cash back on grocery purchases. Or maybe you\u2019re traveling a lot now and would find an airline or hotel credit card that earns points or miles more rewarding.<\/li>\n<li>\n<strong>How easy it is to earn the card\u2019s welcome bonus: <\/strong>A welcome bonus can offset your spending, but not if you\u2019re going to go into debt to reach the minimum spending requirement. Find a card with a welcome bonus that will easily fit into your budget.\u00a0<\/li>\n<li>\n<strong>What interest rate you\u2019re comfortable with:<\/strong> Many rewards credit cards extend a 0% intro APR for at least 12 months to further maximize their value, although the best 0% APR cards can offer up to 21 months \u2014 but it\u2019s the regular variable APR that you really need to pay attention to. There may come a time when you have to carry a balance on your card, so choosing one with an APR that\u2019s lower than average could save you some serious dough when it comes to long-term charges.<\/li>\n<\/ul>\n<h2 id=\"bankrate-s-top-credit-cards-for-fighting-inflation\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bankrate\u2019s top choices for fighting inflation with credit card rewards\" data-outcome=\"\">Bankrate\u2019s top choices for fighting inflation with credit card rewards<\/h2>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-card-details', 'heading-card-details']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-card-details')\" :aria-controls=\"$id('panel-card-details')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Card details<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-card-details')\" :aria-labelledby=\"$id('heading-card-details')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>If you\u2019re looking to earn rewards on your grocery and gas spending, the <span data-capi-name=\"220310583\">Blue Cash Preferred\u00ae Card from American Express<\/span> is a great option for both categories. This card has a <span data-capi-fee=\"ongoing_annual\" data-pid=\"220310583\">$0 intro annual fee for the first year, then $95.<\/span> You\u2019ll earn:<\/p>\n<ul class=\"capi-bullets\" data-capi-reward-rates=\"220310583\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%).<\/li>\n<li class=\"capi-bullets__item\" data-index=\"1\">Earn 6% cash back on select U.S. streaming subscriptions.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"2\">Earn 3% cash back at eligible U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more) purchases.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"3\">Earn 1% cash back on other purchases.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>The Amex Blue Cash Preferred is ideal if you have a moderate grocery budget since there\u2019s a $6,000 cap on grocery spending each year \u2014 meaning a maximum of $360 in cash back earnings within that category. Not only can you save on gas, but if you use public transportation, you\u2019ll earn 3% back on that spending as well. Plus, you can get a welcome bonus of $250 when you spend $3,000 within the first six months from account opening.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-card-details', 'heading-card-details']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-card-details')\" :aria-controls=\"$id('panel-card-details')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Card details<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-card-details')\" :aria-labelledby=\"$id('heading-card-details')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>The <span data-capi-name=\"221210070\">Chase Sapphire Preferred\u00ae Card<\/span> has an annual fee of <span data-capi-fee=\"ongoing_annual\" data-pid=\"221210070\">$95<\/span>. But you can offset this fee pretty easily, depending on how you use it. With the Chase Sapphire Preferred, you\u2019ll get:<\/p>\n<ul class=\"capi-bullets\" data-capi-reward-rates=\"221210070\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn 5x on travel purchased through Chase Travel\u2120.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"1\">Earn 3x on dining, select streaming services and online groceries.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"2\">Earn 2x on all other travel purchases.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"3\">Earn 1x on all other purchases.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>This Chase card comes with other great benefits and credits, like a 10% anniversary point bonus and the ability to redeem your points for 25% more value when booking travel through the Ultimate Rewards portal.<\/p>\n<p>However, the fact that you can earn more rewards on both groceries and dining with this card is a big deal. Plus, any order you place for delivery will still earn 3X points. Since this card lets you use your rewards for statement credits at a rate of one cent per point, you could ultimately redeem points to knock down your credit card bill after you shop if you don\u2019t want to save up for travel.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-card-details', 'heading-card-details']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-card-details')\" :aria-controls=\"$id('panel-card-details')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Card details<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-card-details')\" :aria-labelledby=\"$id('heading-card-details')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>The <span data-capi-name=\"22069416\">Bank of America\u00ae Customized Cash Rewards credit card<\/span> has no annual fee and earns:<\/p>\n<ul class=\"capi-bullets\" data-capi-reward-rates=\"22069416\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn 6% cash back for the first year in the category of your choice.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"1\">Earn 3% cash back after the first year from account opening in your choice category.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"2\">Earn 2% cash back at grocery stores and wholesale clubs. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"3\">Earn 1% cash back on all other purchases.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>This card is a great choice for those who need more flexibility on spending categories, as it comes with 6% back in one category of your choice that you can change once per month. With this strategy, you can pair your grocery earnings with rewards on purchases based on what matches your anticipated spending for the month. Some categories include:<\/p>\n<ul>\n<li>General travel<\/li>\n<li>Home improvement<\/li>\n<li>Gas &amp; EV charging stations<\/li>\n<li>Online shopping (including Cable, Streaming, Internet and Phone services)<\/li>\n<li>Drugstores<\/li>\n<li>Dining<\/li>\n<\/ul>\n<p>New cardmembers can also earn a $200 online cash rewards bonus after spending $1,000 on purchases in the first 90 days of account opening. If you\u2019re a Bank of America Preferred Rewards member, you can earn up to 75% more cash back on all purchases, depending on your membership tier level.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-card-details', 'heading-card-details']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-card-details')\" :aria-controls=\"$id('panel-card-details')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Card details<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-card-details')\" :aria-labelledby=\"$id('heading-card-details')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>The Citi Custom Cash\u00ae Card* doesn\u2019t have a bonus category for groceries or gas, per se, but it does deliver 5% cash back on your top eligible spending category (up to $500 per billing cycle, then 1%) out of 10 top spending category options. Gas stations, select travel costs and select transit expenses are three of these top 10 categories \u2014 and even if you hit the $500 limit, you\u2019ll still earn 1% back.<\/p>\n<p>Through June 30, 2026, you can also earn 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel\u2120 portal.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>Since many consumers\u2019 top spending categories naturally fall under food or fuel, it can be relatively easy to hit $500 each month and earn 5% back (which you\u2019ll receive in the form of Citi ThankYou Points, despite this card being marketed as a cash back card). These points can be redeemed for cash with a direct deposit, check or statement credit. You can also redeem your points for gift cards, travel through Citi or eligible purchases on Amazon with Shop with Points.<\/p>\n<p>The Citi Custom Cash also allows you to earn 20,000 ThankYou Points, worth $200, by spending $1,500 within the first six months from account opening.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-card-details', 'heading-card-details']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-card-details')\" :aria-controls=\"$id('panel-card-details')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Card details<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-card-details')\" :aria-labelledby=\"$id('heading-card-details')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>The Costco Anywhere Visa\u00ae Card by Citi* has no annual fee but requires a $60 Costco membership to carry. It offers:<\/p>\n<ul>\n<li>5% cash back on Costco gas, plus 4% cash back on eligible gas and EV charging purchases (for the first $7,000 per year, then 1%)<\/li>\n<li>3% cash back at restaurants and on eligible travel purchases<\/li>\n<li>2% cash back on all Costco and Costco.com purchases<\/li>\n<li>1% cash back on everything else<\/li>\n<\/ul>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>This card is ideal for die-hard Costco customers only because redeeming rewards is pretty strict. You\u2019ll receive your rewards as a single credit card reward certificate that must be used in-store only. This certificate can be redeemed once a year after your February billing statement. If you frequent Costco enough, this card might still be worth it.<\/p>\n<p>If you\u2019re into wholesale clubs but are more of a Sam\u2019s Club fan, for example, the Sam\u2019s Club\u00ae Mastercard\u00ae* might be worth considering as it offers a similar rewards structure and redemption options.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h2 id=\"other-money-saving-strategies\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Other money-saving strategies\" data-outcome=\"\">Other money-saving strategies<\/h2>\n<p>Here are some additional tips that could help you stretch your savings further:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Consider a rotating bonus category card: <\/strong>If you aren\u2019t particularly sold on any of the cards above, you might be interested in a rotating bonus category card like the <span data-capi-name=\"6746\">Discover it\u00ae Cash Back<\/span>, which offers 5% cash back on activated rotating bonus categories each quarter (on up to $1,500 in spending per quarter, then 1%). At a cash back rate of 5%, this card can definitely help you against inflation on category purchases.\u00a0<\/li>\n<li>\n<strong>Double dip with cash back apps: <\/strong>You\u2019ll find a number of cash back apps you can use to deepen your grocery and gas discounts. Ibotta and Fetch Rewards are just two that allow you to save money on groceries while still earning credit card rewards on those purchases. For gas, there\u2019s the app Upside, as well as plenty of loyalty programs to help you save at the pump while still earning credit card rewards on your fuel spending.<\/li>\n<li>\n<strong>Put together a solid budget: <\/strong>Setting up a spending plan doesn\u2019t always require you to cut something out. You may be able to move expenses around or find ways to earn extra money to make up for the shortfall. The point is to take stock of your spending and figure out what you can change to fare better even as prices rise.<\/li>\n<li>\n<strong>Avoid credit card interest at all costs: <\/strong>You won\u2019t benefit from rewards if you\u2019re carrying a balance on your card from month to month, so you should only try out the rewards strategies on this list if you can pay your balance in full every billing cycle. If you have credit card debt to consolidate, consider transferring your high-interest debt to a card that offers 0% interest for a limited time.<\/li>\n<\/ul>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>Past inflation has triggered higher prices for everything from milk to Maseratis. As Americans continue to cope with the impacts of inflation (even as inflation itself slows), some are finding that a new credit card \u2014 particularly one that offers lucrative rewards and a welcome bonus \u2014 can help.<\/p>\n<p>But before you start shopping for the best rewards credit card to add to your inflation-fighting arsenal, consider whether cash back, points or miles will bring the most bang for your buck. Also, strive to pay off your card in full so credit card interest charges don\u2019t cancel out the value of your rewards in the fight against high prices.<\/p>\n<p class=\"text-sm text-slate\"><em>*Information about the <em>Citi Custom Cash\u00ae Card,<\/em><\/em> <em>Costco Anywhere Visa\u00ae Card by Citi<\/em> <em>and Sam\u2019s Club\u00ae Mastercard\u00ae has been collected independently by Bankrate. The card details have not been approved or reviewed by the issuer. <\/em><\/p>\n<p class=\"text-sm text-slate\"><em>The Bank of America content in this post was last updated on Dec. 10, 2025.<\/em><\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"YLfVyXzUGh\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 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href=\"https:\/\/www.bankrate.com\/credit-cards\/news\/how-a-new-credit-card-can-fight-against-inflation\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways The ongoing impact of inflation in recent years has left many Americans tightening their wallets. One surprising solution for combating the negative impacts of high prices may be opening a new credit card that allows you to offset higher costs with cash back savings and other rewards. But while welcome bonuses, rewards and<\/p>\n","protected":false},"author":1,"featured_media":23125,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23124","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How a new credit card can fight inflation | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Key takeaways The ongoing impact of inflation in recent years has left many Americans tightening their wallets. 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