Terms apply. The catch? A sizable annual fee. Families can rack up serious cash back. The annual fee is a whopper, but if you spend at least $31 a week at the supermarket, you'll cover it.

You get to choose two categories each quarter that earn 5% cash back (up to a spending cap) and one category for unlimited 2% cash back. Everything else earns 1%. Many or all of the products on ...