H-E-B Visa Signature
5% on H-E-B own brands and 1.5% everywhere, for the most beloved grocer in Texas.
Welcome Bonus
None
No standing welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xH-E-B brand products in store and heb.com orders
- 1.5xEverywhere else Visa is accepted
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cash back lands automatically, managed through Imprint's app-first servicing
- ✦Sibling Central Market Visa covers H-E-B's upscale banner
- ✦Available to residents of Texas, Louisiana, Arkansas, Oklahoma and New Mexico
Why it earns its spot
- +5% on own-brand groceries hits the products H-E-B shoppers actually buy
- +1.5% everywhere base beats most cobrand filler rates
- +No annual fee and real cash back, not store scrip
Where it costs you
- −Geographically locked to five states
- −The 5% excludes fuel, pharmacy and in-store restaurant purchases
- −No welcome bonus
The Compound Verdict
Imprint built H-E-B a card that matches the chain's cult status: a real 5% on house brands paid in actual cash, plus a respectable 1.5% floor everywhere else. For a Texas household that fills the cart with H-E-B labels weekly, this quietly out-earns most national grocery cards. If you live outside the footprint, it does not exist for you.
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