H-E-B Visa Signature Credit Card

Rewards by category

Our take

This card makes the most sense for households that fill their carts with H-E-B's own brands, lines like H-E-B, Hill Country Fare, Field & Future, and Home by H-E-B, since those items earn 5% back while the rest of the basket earns 1.5%. Favor delivery orders also earn an unlimited 5%. It is straightforward cash back with no annual fee, so every reward is worth exactly its face value.

The fine print does real work here. The 5% applies only to own-brand products bought in-store, on heb.com, or in the My H-E-B app; pharmacy prescriptions, gift cards, restaurants, fuel, car washes, and purchases through the H-E-B Go app, kiosks, or in-store mobile checkout are excluded. There is no signup bonus either, so the value comes from steady grocery spending rather than a first-year windfall.

Geography is the other filter: new applicants must live in Texas, Louisiana, Arkansas, Oklahoma, or New Mexico. If you qualify, it slots neatly into a small wallet. Use it for H-E-B own-brand items and Favor orders, and let the unlimited 1.5% base rate, zero foreign transaction fees, and Visa Signature extras such as concierge, roadside dispatch, and travel assistance cover the gaps your bonus cards leave.

Store bonuses

• H-E-B5%

Key benefits

• No annual fee and no foreign transaction fees
• Unlimited 5% back on Favor delivery orders
• Unlimited 1.5% back on all other purchases
• Visa Signature concierge, roadside dispatch, and travel assistance

Common questions

Does H-E-B Visa Signature Credit Card have an annual fee?

No — H-E-B Visa Signature Credit Card has no annual fee.

What rewards does H-E-B Visa Signature Credit Card earn on everything else?

1.5% on all other purchases, in Cash Back.

Do I have to live in Texas to get the H-E-B Visa Signature Credit Card?

Not Texas specifically, but close. New applicants must live in Texas, Louisiana, Arkansas, Oklahoma, or New Mexico, so residency is a real gate, not fine print. If you live outside those five states, this card simply is not available to you; choose a grocery card you can actually get, and revisit this one if you move.

Which H-E-B purchases are excluded from the 5% back?

Pharmacy prescriptions, gift cards, restaurants, fuel, car washes, and anything bought through the H-E-B Go app, kiosks, or in-store mobile checkout are excluded from the 5%, and groceries that are not H-E-B own brands earn the 1.5% base rate. To capture the full rate, buy own-brand items and pay at a regular register, on heb.com, or in the My H-E-B app.