Usually, people spend more money towards groceries than any other household needs. Since you can use your credit card to make transactions at the supermarket, you should consider getting rewards for it too. Earning rewards for the money you spend on your grocery credit card is a great feature to have. Read below for more information on what the best grocery credit cards are.
Check out our list of the best credit card bonuses here.
Types of Grocery Credit Cards
There are many options to pick from when it comes down to grocery credit cards. Here are some of the options below:
- Flat-rate cash back cards. These credit cards offer the same rewards rate towards spending. However, there aren’t any bonus categories included. Some examples are: Citi Double Cash Card, and the Capital One Quicksilver Cash Rewards Credit Card.
- Cashback Cards with bonus options. Gain different rewards rates depending on the category that you choose to spend in. There are some cards that come with b onus rewards towards grocery expenses. Some examples are: Blue Cash Preferred Card from American Express, and the Capital One SavorOne Cash Rewards Credit Card.
- Rotating categories. Some cards come with these rotating categories for you to use. You’ll be able to earn a variety of rewards rates depending on the category you spend in. Additionally, the options will change on a quarterly basis. In other words, this means grocery shopping might not always be an option for you. Cards for this will be: Chase Freedom Flex and the Discover It Cash Back.
- Co-branded grocery store credit cards. These credit cards enables you to gain rewards at certain grocery stores. However, you may or may not be limited to just one chain of stores, depending on the card you have. Some examples are: Amazon Rewards Visa Signature Credit Card and Ralphs Rewards World Mastercard.
What to Consider
Some of the things you should think about before getting a grocery store rewards card are:
- The welcome bonus
- Earning potential
- Annual fee
- Rewards simplicity
- Additional benefits
- Unlimited vs capped rewards
- Points value
Best Grocery Credit Cards
 The Blue Cash Preferred® Card from American Express offers a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It(R) to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%. You'll earn • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). • 6% Cash Back on select U.S. streaming subscriptions. • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). • 1% Cash Back on other purchases. • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. The card does come with a $0 intro annual fee for the first year, then $95. (See Rates & Fees) Terms Apply. |
This card comes with no annual fees and has unlimited rewards towards groceries. Just open a bank account with PenFed Credit Union, then you’ll be able to apply for the PenFed Platinum Rewards. Additionally, you’ll be able to trade your points towards: travel, gift cards, or merchandise. Every PenFed Credit Union point will be worth about $0.01 on average.
This is the best grocery card that allows you to earn points at a high rate. Additionally, it gives you 5 points for each dollar you’ve spent for no more than $12,500 on gas, grocery, and drugstore transactions. This is only for your first 6 months though.
Furthermore, you’ll be able to use your points towards: airfare, hotels, car rentals, cruises, cash redemptions, brand-name, merchandise, gift card and online auctions. On average their points will be worth about $0.015 each.
The Target REDCard doesn’t come with a welcome bonus, but doesn’t have an annual fee to pay either. If you shop regularly at Target, then this card will be able to save you 5% towards most of your purchases there.
With this great discount, it also comes with other features such as:
- Free 2-day shipping on eligible orders.
- + 30 days for returns or exchanges.
- REDCard exclusives.
This is the best card to use towards online grocery shopping and Whole Food grocery purchases. Additionally, it comes with no annual fees and will earn you 5% cash back towards Amazon and Whole Foods Market. However, if you’re not a Prime member, you will only receive 3% on transactions here.
Furthermore, this card will allow you to earn 2% on restaurant, gas, grocery, and drugstore transactions. And 1% cash back on everything else. Some of the benefits are:
- Travel protections
- Purchase protection
- Visa Signature perks
- No foreign transaction fees.
The Capital One Walmart Rewards Card is the best option if you’re a frequent shopper at Walmart. However, it doesn’t have any welcome bonuses, but offers loyalists an unlimited 5% cash back for transactions at Walmart.
Furthermore, this card has other perks such as: travel protections, purchase protections, and no foreign transaction fees. It even comes with no annual fee for you to worry about as well.
Extra Guides
Here are some extra guides to help you find the best credit card suited for your needs.
- Best Airline Credit Cards for Travel Benefits and Rewards.
- Hotel Credit Cards for Travel Benefits + Rewards.
- Travel Credit Cards: Rewards and Benefits.
- Best Travel Rewards Credit Cards for Family Vacations.
- Credit Cards with No Foreign Transaction Fees.
- Best Rewards Credit Cards: Cash, Points, Miles, & Benefits
- Cash Back Credit Cards: Welcome Bonuses, Rewards
- Best Dining Credit Cards: Restaurant Points, Rewards & Cash Back
- Grocery Credit Cards: Co-Branded, Cashback & Rewards
- Best Small Business Credit Cards: Points, Miles & Rewards
Conclusion
Overall, if you find yourself spending more money towards groceries, then these cards might be the perfect fit for you. You’ll be able to earn more for your moneys worth as you spend towards groceries. Check out the credit cards that offer more towards bonus categories that fit well with your spending habits.
