H-E-B Visa Signature® Credit Card
A no-annual-fee cash back card from First Electronic Bank.
Rates, fees, and full terms are set by First Electronic Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The H-E-B Visa Signature Credit Card is one of the best grocery store cards in the country, if you live in H-E-B territory. It pays 5% cash back on H-E-B brand products at H-E-B and Central Market, 5% on Favor delivery, and 1.5% on everything else, with no annual fee.
Unlike most store cards, it pays real cash back you can send to your bank account. A Central Market version offers the same rewards. The only real limit is geography: it is available only in Texas, Louisiana, Arkansas, Oklahoma, and New Mexico.
Think twice if: you live outside Texas, Louisiana, Arkansas, Oklahoma, or New Mexico, where the card is not available.
Our 8.0 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 5% cash back on H-E-B brand products bought at H-E-B, Central Market, or heb.com, 5% on Favor delivery orders, and 1.5% on everything else. The 5% does not cover national brands, pharmacy, fuel, or gift cards. Cash back never expires and can be deposited straight into your bank account, which is rare for a store card.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 1.5x | Base rate |
| Groceries | 1.5x | Base rate |
| Gas | 1.5x | Base rate |
| Travel | 1.5x | Base rate |
| Streaming | 1.5x | Base rate |
| Everything else | 1.5x | Everything else |
The fine print on rates: Available only to residents of Texas, Louisiana, Arkansas, Oklahoma, and New Mexico. The 5% applies to H-E-B brand products, not all groceries, so our calculator uses the 1.5% base rate. Unlike most store cards, this pays real cash back.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 5% cash back on H-E-B brands and Favor delivery
- 1.5% cash back everywhere else
- Real cash back, deposited to your bank
- No annual fee
- Only available in five states
- 5% excludes national brands
- No welcome bonus
The welcome bonus
There is no welcome bonus on this card. Its value is in the ongoing 5% on H-E-B brands and the 1.5% base rate.
First-year value vs ongoing value
| Welcome bonus | None |
| To earn it | No minimum spend |
| Est. first-year value* | $437 |
| Est. ongoing value / yr* | $437 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $437 a year on typical spending after the fee. What you see is what you get from day one.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Cash back can go straight to your bank account and never expires
- Same rewards offered as the Central Market Visa Signature card
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
Get the H-E-B Visa if you shop at H-E-B and buy its house brands. Five percent cash back on groceries you already buy, plus 1.5% everywhere else, is hard to beat for a free card.
If you want more on non-grocery spending, pair it with a flat 2% card like the Citi Double Cash.
Alternatives to the H-E-B Visa Signature® Credit Card
Pairs well with
The H-E-B Visa Signature® Credit Card earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the H-E-B Visa Signature® Credit Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
