First Electronic Bank · Visa Signature · Personal
HEB
A no-annual-fee card earning cash back: 5× on Specified Store(s), 1.5× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 5×Specified Store(s)
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $0 | $0 |
Earning structure
2 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Specified Store(s) Notes5% cash back on qualifying H-E-B brand products (including store brands like H-E-B Select Ingredients, Meal Simple, etc.) purchased at H-E-B stores, Central Market, Joe V’s Smart Shop, Mi Tienda, or via heb.com (in-store, curbside pickup, or home delivery). Note: The 5% category excludes pharmacy prescriptions, gift cards, restaurants, fuel, car washes, and purchases via the H-E-B Go app/kiosks (those earn 1.5%). Rewards are unlimited. | 5× | $5.00 | |
| All Other | 1.5× | $1.50 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa Signature
- Bank
- First Electronic Bank
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Alternatives
Head to head with similar cards
 HEB |  Booking.com Genius Rewards |  Amazon Prime Store Card |  Apple Card | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | None | $150 | $10 | None |
| Top rate | 5×Specified Store(s) | 6×Hotels (Portal) | 5×Amazon, Specified Store(s) | 3×6 categories |
| Travel value * | –Cash back | –Cash back | –Cash back | –Cash back |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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