Best Credit Card For Grocery Store Spending

Lets face it, groceries is a overly-expensive tasks to many of us. According to US Bureau of Labor statistics, the average american will be spending roughly $4,015+ on grocery’s in a calendar year based on a $55,978 salary income. Based on this information alone, I can tell you that it’s one of the highest percentage of monthly expenses.

Without a doubt, frugality is the most efficient way to conquer your trip to the grocery store; whether it be those manufacturer’s coupons and store coupons you stacked to even downloading the store’s app, your efforts to save won’t be in vain… The last thing you need is the most optimal rewarding credit card to pair with your grocery spend – Maximize your spending with all the best grocery store credit cards to help make your grocery trips even more fulfilling!

Blue Cash Preferred Card – 6% Cash Back:

With the Blue Cash Preferred® Card from American Express, you will be earning a 6% cash back on all grocery store purchases. However, you will be capped at the first $6,000 in purchases every year. Also, there is an annual fee attached at $75 (unfortunately not waived for the first year). This would be your best option if you reap a high amount of grocery store spend, if not, there are better options for you.

Editor’s Note: If you are able to cap over $6,000 in purchases easily every year… Then you’d be better off trying out the Old Blue Cash Card.

Blue Cash Preferred Card from American Express Summary:

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• Earning Rate: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%); 3% U.S. gas stations & select U.S. dept. stores; 1% other purchases.
• Maximum Bonus: $250
• Spending Requirement: Must spend $1,000 within first 3 months
• Annual Fee: $95
• Expiration Date: None
• Additional Advice: The 6% is capped for $6,000 per year then 1% if you max out the spending.

BankAmericard Cash Rewards – 2% Cash Back:

With the BankAmericard Cash Rewards Credit Card, you will be earning 3% cash back on gas for the first $1,500 in combined grocery/gas purchases each quarter, 2% cash back at grocery stores and NOW Wholesale Clubs (Sams club, etc.) and 1% everywhere else. This card shouldn’t necessarily be that attractive for you unless you’re a preferred rewards member. If you’re a preferred rewards member then you should expect a significant boost with your cards earning rates: 10% bonus as long as you have a Bank of America checking account, 75% bonus with Platinum Honors status, etc…

BankAmericard Cash Rewards Credit Card Summary:

• Apply Now
• Earning Rates: 3% on gas, 2% on groceries and wholesale stores, 1% everywhere else. CAPPED
• Maximum Bonus: $200 cash rewards bonus
• Spending Requirement: Make at least $500 in purchases within first 3 months
• Annual Fee: None
• Bonus Worth: $200
• Expiration Date: None
• Additional Advice: You can get a 10% customer bonus every time you redeem into a Bank of America checking or savings account!

Old American Express Blue Cash – 5% Cash Back:

With the Old American Express Blue Cash, you should expect 5% cash back on all purchases at U.S. gas stations, supermarkets, and select drug stores & 1% on all other purchases. Keep in mind that the rates start after a $6,500 calendar spend. This card will only be fully maximized for those who can reap a spend well over $6,500 per year on the 5% categories or those who can familiarize themselves with manufactured spending on the 5% categories.

For your first $6,500 in purchases in a reward year, you will receive 1% on Everyday Purchases, and 0.5% on other purchases. After your first $6,500 in purchases, you will receive 5% on Everyday Purchases up to $50,000 and 1% on other purchases.

Old American Express Blue Cash Summary:

• Spending Rate: 5% cash back
• Annual Fee: None
• Expiration Date: None
• Additional Advice: This card will only be worth it for you if you’re able to spend over $6,500 in a reward year. Some have reported that the cap is reset on your anniversary date and some say it resets on January 1… It’s best to contact a AMEX rep.

U.S. Bank FlexPerks Travel Rewards – 3% Cash Back:

With the U.S. Bank FlexPerks Travel Rewards card, you will earn 2x the points on all gas, grocery, and airlines purchases. Points are usually valued at 2 cents per points when redeemed. Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.Also, there is no limit on the amount of points you can earn and a small annual fee of $49 that is waived for the first year.

Editor’s Note: it is still possible to downgrade or product change to a U.S. Cash+ (5% cash back category that you can choose).

U.S. Bank FlexPerks Travel Rewards Visa Card Summary:

• Apply Now
• Maximum Bonus: 20,000 FlexPoints
• Spending Requirement:  Spend $3,500 within 4 months
• Annual Fee: $0 for first year, then $55 but can be waived if you spend $24,000 or more on annual purchases with this card
• Bonus Worth: The 20,000 FlexPoints is worth $400
• Expiration Date: None
• Additional Advice: Spend at least $24,000 per year to avoid the annual fee and make this card really worth getting!

Huntington Voice Credit Card – 3% Cash Back:

You will be able to pick your 3x Rewards category per quarter and one of the choices is 3X for “Grocery Spending” with the Huntington Voice Credit Card. “From fresh to frozen, broccoli to bacon, fill up your grocery cart to fill up your rewards account.” On top of that, this card has no annual fee attached. Keep in mind that you will be capped at $2,000 a quarter. Moreover, this card isn’t really well-rounded for your spend since you’re limited to one category, therefore, a 2X flat cash-back everyone could be a better option (Citi® Double Cash Card – 18 month BT offer)

Huntington Voice Credit Card Summary:

• Apply Now
• Spending Rate: 3X your choice
• Annual Fee: None
• Bonus Worth: None
• Expiration Date: None
• Additional Advice: Keep in mind that you will be capped at $2,000 a quarter

Santander Bravo Credit Card – 3% Cash Back

The Santander Bravo Credit Card earns you a well-rounded 3X the rewards points on supermarket, gas stations, and restaurant purchases up to 15,000 points per calendar quarter and 1x the points otherwise. Now, keep in mind that there will be a $49 annual fee attached (waived for the first year).  Points can be redeemed for airline tickets or gift cards. 

Santander Bravo Card Summary: 

• Apply Now
• Spending Rate: 3x on supermarkets, gas stations, and restaurants
• Maximum Bonus: Earn $100 cash back via statement credit
• Spending Requirement: Spend $1,000 on new net retail purchases within the first 90 days of opening your account.
• Maximum Bonus: 40,000 Bonus ThankYou^® Points
• Spending Requirement: You must spend $3,000 within 3 months of account opening.
• Annual Fee: $95 (waived for the first year)
• Bonus Worth: The 40K bonus points is $400 in gift cards.

American Express Premier Rewards Gold – 2x MR Points:

With the American Express® Premier Rewards Gold Card, you will effectively be earning 3X points for flights booked directly with airlines, 2X points at US gas stations and US supermarkets, and 2X points at US restaurants. The annual fee ($175 AF, waived for the first year) is quite hefty but there is no caps on your earnings.

American Express Premier Rewards Gold Card Summary:

• Apply Now
• Earning Rate: 3X points for flights booked directly with airlines, 2X points at US gas stations and US supermarkets, and 2X points at US restaurants
• Maximum Bonus: 50,000 Points
• Spending Requirement:  Spend $2,000 within 3 months
• Annual Fee: $0 for first year, then $195
• Expiration Date: None
• Additional Advice: If you’re adamant on this card; You must be able to take advantage of the travel benefits!

Conclusion:

Capitalize on all your grocery spend with this list of what we value as the Best Credit Cards for all of your Grocery Spending Needs. Topping at number 1 is the Blue Cash Preferred® Card from American Express and it’s impressive 6% cash back with a cap of $6,500 spend in a calendar year. Again, if you are able to spend well over that, then your best bets a Old Blue Cash Card. The BankAmericard Cash Rewards Credit Card sounds interesting with the Preferred Rewards Boost, and better yet, there’s no caps on your rewards and being that it is a true no annual fee card makes it a tempting grocery grabber cash-back. Find out which card is right for you by checking out our complete list of Credit Card Promotions today!