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7 Finest Credit score Playing cards for Groceries – Rewards & Gives


Grocery procuring is a good equalizer. Wealthy and poor, adventurous cooks and microwave-only eaters — just about everybody is aware of what it’s wish to browse grocery store cabinets. By now, most know how one can play the grocery supply recreation too.

So it’s no shock that grocery store bank card provides are so common up and down the revenue scale.

From entry-level spending aids just like the Blue Money On a regular basis Card from American Specific to prime merchandise just like the Amazon Prime Rewards Visa Signature Card, there’s nearly actually a rewards card tailor-made to your grocery procuring habits and credit score rating.


Finest Credit score Playing cards for Groceries

These are among the many greatest grocery bank cards to make use of for grocery retailer and grocery store purchases. Each does at the least one factor rather well, whether or not it’s delivering limitless money again at spectacular charges or providing distinctive value-adds customers can’t discover wherever else.

Simply remember that until in any other case famous, these bank cards exclude grocery purchases made at superstores like Walmart, Goal, and Meijer and warehouse golf equipment (wholesale golf equipment) like Sam’s Membership and Costco from their grocery store rewards classes.

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The Blue Money Most well-liked® card from American Specific rewards grocery retailer purchases higher than any main bank card available on the market: 6% money again on the primary $6,000 in annual purchases.

That’s $360 in grocery retailer money again, or $265 after accounting for the $95 annual payment, although you don’t pay the annual payment the primary 12 months (see charges and charges).

Money again accrues as Reward {Dollars} you may redeem for assertion credit beginning at $25 in Reward {Dollars}.

It’s a strong haul by any stretch — one most multiperson households can simply obtain.

Execs

  • Properly above-average return on U.S. grocery store spending
  • A number of further 6% and three% bonus cash-back classes
  • Above-average buy APR promotion

Cons

  • Has an annual payment after the primary 12 months
  • Has a overseas transaction payment

For charges and charges of the Blue Money Most well-liked® Card From American Specific, see the charges and charges web page.

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The Capital One SavorOne Money Rewards bank card earns limitless 3% money again on grocery store purchases.

With no cap on rewards on this class, SavorOne is good you probably have a giant annual grocery finances — above $6,000. And with a number of bonus cash-back classes, it’s a powerful on a regular basis spending bank card too.

Execs

  • Above-average early spend bonus
  • A number of bonus cash-back classes (as much as 10% again on choose purchases)
  • No annual payment

Cons

  • Low baseline cash-back price
  • Excessive common APR

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Like its dad or mum card, the Capital One SavorOne Scholar Money Rewards Credit score Card earns limitless 3% money again on eligible grocery retailer purchases, excluding purchases at superstores like Walmart and Goal.

That makes it the proper card for two- or four-year diploma college students dwelling on their very own or with roommates and managing their very own grocery payments as a part of their newfound independence. It’s additionally nice first bank card typically because of Capital One’s dedication to think about cardholders for greater credit score strains after as few as six months of accountable use.

Execs

  • As much as 10% again on eligible purchases
  • A number of 3% cash-back classes
  • No annual payment

Cons

  • No 0% intro APR supply
  • Low baseline cash-back price
  • Excessive common APR

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The Amazon Prime Rewards Visa Signature Card is the apparent selection for Amazon Prime members who do most or all their grocery procuring by Amazon Contemporary, Amazon Prime Pantry, or Complete Meals Market. All Amazon-ecosystem purchases, together with each perishable and nonperishable groceries, earn 5% money again.

It’s straightforward to redeem your Amazon cash-back rewards in any quantity for buy credit at checkout, making this a very seamless grocery rewards bank card for Amazon followers.

Execs

  • A number of 2% cash-back classes
  • No overseas transaction payment
  • As much as 10% bonus rewards on eligible Amazon purchases

Cons

  • Requires Prime membership ($139 per 12 months)
  • Low baseline cash-back price
  • No 0% intro APR supply

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The American Specific® Gold card earns 4 Membership Rewards factors per $1 spent on the primary $25,000 in U.S. grocery store purchases every year. That’s as much as 100,000 bonus factors on annual grocery store spending, price as much as $0.01 per level at redemption — a 4% return on spending.

Above the annual spending cap, you earn 1 level per $1 spent on U.S. grocery store purchases. However until you will have an enormous grocery finances, you don’t want to fret about operating over.

Execs

  • 4x factors on eligible U.S. restaurant purchases
  • 3x factors on eligible airfare purchases
  • Above-average welcome supply with longer-than-average qualifying interval

Cons

  • Excessive annual payment
  • Low baseline rewards price

For particular charges and charges of the American Specific® Gold card, see its charges and charges web page.

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Delivering 3% money again on the primary $6,000 in purchases made at U.S. supermarkets and U.S. gasoline stations every year and 1% money again on U.S. grocery store and U.S. gasoline station purchases thereafter, it’s superb for reasonable spenders who don’t want outsize grocery-shopping firepower. That’s nonetheless $180 in bonus money again on high of the baseline money price.

Execs

  • A number of 3% cash-back classes
  • Above-average welcome supply
  • No annual payment
  • 0% intro APR on purchases

Cons

  • Low baseline cash-back price
  • No 0% intro stability switch APR

For charges and charges of the Blue Money On a regular basis® Card from American Specific, see the charges and charges web page.

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Citi Double Money® Card


Earn as much as 2% money again on all eligible purchases (together with groceries) if you pay your month-to-month stability in full. Plus, take pleasure in an extended intro stability switch APR.

Rewards Charge

Limitless 2% if you pay in full

Credit score Wanted

Good – Wonderful

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The Citi Double Money® card earns 2% money again on all eligible purchases, together with purchases on the grocery store. In case you’re not occupied with carrying a separate card solely for grocery store transactions, that is pretty much as good a selection as any — the perfect flat-rate cash-back card for grocery procuring, the truth is.

Simply make sure you pay your whole stability in full every month, as you solely earn the complete 2% cash-back allowance if you zero-out your assertion.

Execs

  • No limits on 2% money again if you pay in full
  • No annual payment
  • Lengthy 0% intro APR stability switch promotion

Cons

  • No intro buy APR
  • Has a 3% overseas transaction payment
  • No sign-up bonus

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Methodology: How We Select the Finest Grocery Credit score Playing cards

We use a number of essential components to evaluate grocery store bank cards and current the easiest to our readers.

These embrace components associated to the bank cards’ rewards and return on spending, value-added advantages, value, versatility, and total usability.

Grocery store Rewards

In the case of this all-important class, we’re the kind of rewards earned by grocery store spending, the speed at which that spending earns rewards, and the general worth of these rewards. The perfect playing cards earn grocery store rewards at excessive charges through a flexible loyalty forex — ideally money again or high-value journey rewards.

Caps & Restrictions on Grocery store Rewards

Unrestricted is best, however we acknowledge that bank card issuers have to chop their losses. Nonetheless, we attempt to keep away from bank cards with tight caps on grocery retailer reward earnings or different restrictions that restrict person worth.

Different Rewards

Most grocery retailer bank cards earn bonus factors or money again on different purchases as nicely. We choose playing cards with a number of nongrocery bonus classes — the upper the incomes price, the higher.

Welcome Provide (Signal-Up Bonus)

Many of the bank cards on this checklist have beneficiant sign-up bonuses (also called welcome provides or early spend bonuses) for brand new cardholders. These provides come and go, so their presence isn’t required, however the extra beneficiant provides are inclined to get greater billing.

0% APR Provide

A number of the playing cards on this checklist even have good 0% APR introductory provides for purchases or stability transfers. In case you’re planning a giant buy — maybe an unusually massive journey to the grocery retailer — or must pay down high-interest bank card debt, these provides can prevent a ton of curiosity.

Annual Payment

No bank card person likes paying an annual payment. That mentioned, typically, you must spend cash to earn cash. And among the most beneficiant grocery store bank cards cost annual charges.

We choose bank cards with out annual charges, although, so we’ve finished our greatest to weed out the substandard ones.

Grocery Retailer Credit score Card FAQs

Nonetheless have questions on the perfect bank cards to make use of on the grocery store? Discover solutions to among the commonest queries about this bank card class.

Do Rotating-Class Credit score Playing cards Earn Rewards on the Grocery store?

It’s price calling out the sometimes-supermarket bank cards that didn’t make this checklist. It’s not that they’re by no means price utilizing on the grocery retailer. Relatively, they solely carry out sometimes.

Take the Chase Freedom Flex Credit score Card, for example. Freedom reliably earns 5% money again on grocery retailer purchases for one quarter per 12 months, as much as $1,500 in quarterly class spending. The catch: Grocery retailer earnings drop to simply 1% the opposite 9 months of the 12 months, supplanted by one other favored class.

Playing cards like Chase Freedom Flex are positive for cardholders who can regulate their spending as the chance arises. Those that sideline their main grocery card throughout Chase Freedom’s bonanza quarter can earn spectacular common charges of return on grocery retailer spending all year long. But it surely’s additionally comprehensible when you don’t wish to juggle two grocery store bank cards.

Do the Finest Grocery Credit score Playing cards Cost an Annual Payment?

Not all of them. In truth, nearly all of the playing cards on this checklist don’t cost annual charges. It’s doable to earn a powerful price of return on grocery store spending with out paying yearly for the privilege.

In fact, annual-fee playing cards are typically extra beneficiant total. In case you like luxe journey and procuring perks, you’ll most likely end up gravitating towards these premium merchandise.

Do Grocery store Credit score Playing cards Work at Walmart & Goal?

If the cardboard has a Visa, Mastercard, or American Specific brand, it ought to bodily work at superstores like Walmart and Goal. 

The catch is that it most likely gained’t earn bonus factors or cash-back {dollars}. That’s as a result of most grocery store bank cards particularly exclude superstore grocery purchases from bonus eligibility. You may nonetheless earn base rewards — sometimes not more than 1 level per $1 spent — however nothing extra.

Can You Hyperlink Your Grocery store Credit score Card & Retailer Loyalty Account?

Normally not. You continue to must scan your bodily retailer loyalty card or give your telephone quantity on the register to benefit from member-only pricing or rewards.

The excellent news is your retailer loyalty membership standing gained’t influence your grocery store bank card earnings. You’ll be able to double dip on retailer reductions and bank card rewards, also called stacking.

Ultimate Phrase

There’s one thing for everybody on this checklist. In case you’re feeling overwhelmed, take a step again and think about what you’re actually in search of in your grocery store bank card.

Ask your self:

  • Whether or not you’d choose to keep away from paying an annual payment
  • Which different spending classes you’d wish to earn rewards in
  • Your annual grocery finances — some playing cards cap rewards at particular annual spending thresholds
  • Whether or not you need a sign-up bonus or 0% APR introductory promotion
  • How loyal you might be to particular grocery store chains, like Complete Meals

Reply every of those questions and try to be left with only a few choices. Think about every in flip and select the one with the perfect mixture of options and rewards on your wants.



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