🚀 Our new App is live!  Signup

🔥Insane! 150k points! See details 

Advertiser Disclosure

Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

Some of the credit card offers which appear on helpmebuildcredit.com are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.



The Best Card To Get Now For Yom Tov Shopping

- Sep 18, 2022 Credit Card Info0 comments

In my opinion, the best card to get now for your Yom Tov shopping is the Citi Premier Card. Here is why.

Huge welcome offer

The Citi Premier now boasts an all-time high offer of 80,000 points after spending $4,000 within the first 3 months. That in itself would make the card a go-to. But there’s more.

Unlimited 3 points on groceries

Yom Tov prep basically starts in the grocery. With the Citi Premier Card, you can earn unlimited 3 points on groceries. 

Assuming your grocery bill, or bills, will amount to the average pre-Yom-Tov numbers, 3 points on every dollar can accumulate to a lot of points.

Unlimited 3 points on dining

Many local meat and fish stores code as dining. So with the Citi Premier Card, you will earn unlimited 3 points on those huge Yom Tov meat and fish bills as well, which may likely be your highest bills of all.  

Unlimited 3 points on gas

Whether you’re driving around town to get to the grocery, butcher, and fish store, or taking your family on a Chol Hamoed outing, you’re sitting in the card and using gas.

With the Citi Premier Card, you can earn unlimited 3 points on all that gas. Just an added bonus to the insane gas prices.  

You can make your own calculation of all the points you can earn with the Citi Premier Card, but let’s see how it would work. For example, if you spend $3,000 on groceries, $1,000 on meat and fish, $500 on gas, plus the 80,000 points for the welcome offer, you would get a total of 93,500 points, which is valued at approximately $935 – $1,402.

Points Earned
$3,000 Groceries 9,000
$1,000 Dining (meat & fish) 3,000 
$500 Gas 1,500
Welcome bonus 80,000
Approx. total points earned 93,500 (valued at approx. $935 -$1,402)

If you spend more or less than that, the numbers will be higher or lower, so give or take depending on your expenses.

Credit bureau pull

Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax.  

  • Brooklyn: NY is usually Equifax
  • Upstate NY and Lakewood: NJ is usually Experian

Downgrade options

Once the first year is up and if you decide not to keep the card, the Citi Premier card has many no annual fee downgrade options. It can be downgraded to the Citi Rewards ($0), Citi Double Cash ($0), Citi AA MileUp ($0), Citi Costco ($0), Citi Custom Cash ($0), or to the Citi AT&T Access ($0).

Frequently asked questions
How can I know if a transaction will code as groceries for extra rewards?
The best way of knowing is to first do a small test transaction. There are some look up tools online but I have never found them to be accurate

Was this article helpful?

Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

Leave A Comments

This site uses Akismet to reduce spam. Learn how your comment data is processed.


Recent Posts

Follow us

Click here to subscribe to
our WhatsApp channel

best offers

Capital One Venture X Business

Earn 150,000 miles after spending $30,000 within the first 3 months.

more info

Ink Business Preferred Credit Card

Earn 100,000 points after spending $8,000 within the first 3 months.

more info

Capital One Spark Cash Plus

Earn $1,200 after spending $30,000 within the first 3 months.

more info

Miles & More World Elite Mastercard

Earn 100,000 points after spending $3,000 and paying the annual fee within the first 90 days.

Intro 0% APR for 15 months on balance transfers (after that 21.24%, 25.24% or 29.99% variable). The balance transfer fee is 5% or $5, whichever is greater.

more info

You May Also Like

Credit Limit Increase -Which Banks Still Do A Hard Pull

Credit Limit Increase -Which Banks Still Do A Hard Pull

We recently reported that Chase stopped doing a hard pull on your credit report when requesting a credit limit increase.  Hard pulls affect your credit score (but not much). Soft pulls do not affect your credit at all. So I decided to put together an updated list of...

read more
Top 10 Credit Cards For Restaurant Purchases [2023]

Top 10 Credit Cards For Restaurant Purchases [2023]

Appetizers, menus, dim lighting, table setting, waiters, gourmet food, desserts. If any of these words resonate with you or if you tend to frequent restaurants often (even if it’s just pizza!), you might want to choose a credit card from the list below. While enjoying...

read more
Why The GM Business Card Is A Great Intro 0% APR Option

Why The GM Business Card Is A Great Intro 0% APR Option

Interest rates on regular business loans are currently on record highs. Many business owners are turning to intro 0% APR business credit cards in order to keep their business cash flowing. With an intro 0% APR business card you get to carry a balance on that credit...

read more
Capital One Adds 48-Month Language To Many Cards

Capital One Adds 48-Month Language To Many Cards

There used to be no restrictions for getting the bonus on the same Capital One cards multiple times. The official terms used to state that “The bonus may not be available for existing or previous account holders”. But in real life it was not enforced. They easily...

read more

Download link sent

Got it * please check your promotional inbox

Error sending download link

Try Again