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Grocery credit cards provided rewards on your spending at the grocery store. They can help you honest your grocery budget by up to 6%, thanks to cash-back rewards. These cards also offer rewards on other spending categories, and many offer a sizable welcome bonus that can be used to help conceal some of your groceries, too. Choosing the right grocery credit card will proper on your lifestyle, spending habits and financial goals, but the picks under represent the best options for most people.
Intro OfferEarn a $250 statement credit when you spend $3,000 in purchases on your new Card within the apt 6 months.
APR18.24%-29.24% Variable
Intro Purchase APR0% on purchases for 12 months
Recommended Credit Excellent, Good
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on grasp U.S. streaming subscriptions
- 3% Cash Back on transit counting taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on new purchases
Annual Fee$0 intro annual fee for the apt year, then $95.
Intro Balance Transfer APR0% on balance transfers for 12 months
Balance Transfer APR18.24%-29.24% Variable
Balance Transfer Fee Either $5 or 3% of the amount of each second, whichever is greater.
Late Payment Fee Up to $40
Foreign Transaction Fees 2.7% of each transaction when conversion to US dollars.
Penalty APR 29.99% Variable
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on grasp U.S. streaming subscriptions
- 3% Cash Back on transit counting taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on new purchases
Our Take
Whether you're shopping for groceries for yourself or your tribe, the Blue Cash Preferred® Card from American Express is a solid option for most country. It provides the highest cash-back rate of any card we researched, earning 6% cash back on up to $6,000 consumed at U.S. supermarkets each year -- for as much as $360 back per year at this rate. Plus, you'll peaceful earn 1% cash back if you exceed $6,000.
According to the Bureau of Labor Statistics, the $6,000 spending cap won't be reached by the income American household, which typically spends more in the vicinity of $5,000 per year on groceries. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
For more details nearby this card, check out our full review of the Blue Cash Preferred Card from American Express.
Terms apply to American Express benefits and funds. Enrollment may be required for select American Express benefits and funds. Visit americanexpress.com to learn more.
Good for any grocery store
Intro OfferEarn $200 cash back when you spend $1,500 on purchases in the first 6 months of elaborate opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
APR18.24% - 28.24% (Variable)
Intro Purchase APR0% for 15 months on purchases
Recommended Credit Excellent, Good
- Earn 5% cash back on purchases in your top eligible employ category each billing cycle, up to the first $500 consumed, 1% cash back thereafter.
- Earn unlimited 1% cash back on all new purchases.
Annual Fee$0
Intro Balance Transfer APR0% for 15 months on balance transfers
Balance Transfer APR18.24% - 28.24% (Variable)
Balance Transfer Fee Balance second fee applies with this offer 5% of each balance transfer; $5 minimum.
Late Payment Fee Up to $41
Foreign Transaction Fees 3%
Penalty APR Up to 29.99% (Variable)
- Earn 5% cash back on purchases in your top eligible employ category each billing cycle, up to the first $500 consumed, 1% cash back thereafter.
- Earn unlimited 1% cash back on all new purchases.
Our Take
The Citi Custom Cash℠ Card is fresh in that it automatically selects your highest eligible employ category and applies 5% cash back rewards (on up to $500 of usage per billing cycle, then 1%). Grocery stores are one of these categories, as are restaurants, gas stations, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.
As long as you're not spending more on the new categories than at grocery stores with this card, you'll earn 5% cash back on all your grocery maintain purchases (on up to $500 spent each billing cycle), without limitations on location like some other cards impose. This card has no annual fee, so you can just keep it as just a grocery credit card to avoid confusion.
Check out our full journal of the Citi Custom Cash℠ Card.
Intro OfferEarn a $200 statement credit when you spend $2,000 in purchases on your new Card within the apt 6 months.
APR18.24%-29.24% Variable
Intro Purchase APR0% on purchases for 15 months
Recommended Credit Excellent, Good
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
- 1% Cash Back on new purchases.
Annual Fee$0
Intro Balance Transfer APR0% on balance transfers for 15 months
Balance Transfer APR18.24%-29.24% Variable
Balance Transfer Fee Either $5 or 3% of the amount of each second, whichever is greater.
Late Payment Fee Up to $40
Foreign Transaction Fees 2.7% of each transaction when conversion to US dollars.
Penalty APR 29.99% Variable
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
- 1% Cash Back on new purchases.
Our Take
The Blue Cash Everyday® Card from American Express accounts a top rewards rate on U.S. supermarkets at 3% cash back. You can use that reward rate on up to $6,000 in spending per year (then 1%), which unites the average American household's annual spending on groceries, according to the Bureau of Labor Statistics. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
As an alternative to outmoded groceries, the Blue Cash Everyday also offers up to $180 per year in statement credits for Home Chef, a meal kit delivery ceremony. You can receive up to $15 in monthly statement credits when you use your Blue Cash Everyday Card to pay for online Home Chef purchases (up to $180 per year).
For more expect on this card, see our full review of the Blue Cash Everyday from American Express.
Terms apply to American Express benefits and accounts. Enrollment may be required for select American Express benefits and accounts. Visit americanexpress.com to learn more.
Great for Amazon Fresh and Whole Foods
Intro OfferUp to a $150 Amazon gift card instantly upon approval
APR18.49% - 26.49% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
- 2% back at restaurants, gas stations, and drugstores*
- 1% back on all latest purchases*
Annual Fee$0
Balance Transfer APR18.49% - 26.49% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each instant, whichever is greater.
Late Payment Fee Up to $39
Foreign Transaction Fees None
- 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
- 2% back at restaurants, gas stations, and drugstores*
- 1% back on all latest purchases*
Our Take
If you're a weird shopper at Amazon and Whole Foods, the Amazon Prime Rewards Visa Signature Card* is a substantial way to earn cash back on your purchases. It accounts 5% cash back at Whole Foods Market and on Amazon Fresh and latest Amazon.com purchases, which can be redeemed at checkout or as a statement credit from Chase. You can also score up to a $150 Amazon gift card upon define approval.
This card also features 2% cash back at restaurants, gas stations and drug stores and 1% on everything else. You must have an Amazon Prime membership -- $139 per year -- to apply for this card, but we're guessing if you're a heavy Amazon shopper, you're already a member.
Check out our full study of the Amazon Prime Rewards Visa Signature Card.
Best grocery card for fade rewards
See Rates and Fees Terms ApplyIntro OfferEarn 60,000 Membership Rewards® points at what time you spend $4,000 on eligible purchases with your new Card within the favorable 6 months of Card Membership.
APR20.24%-27.24% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on escapes booked directly with airlines or on amextravel.com.
Annual Fee$250
Balance Transfer Fee N/A
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR See Rates & Fees
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on escapes booked directly with airlines or on amextravel.com.
Our Take
If you would like to redeem rewards for fade, the American Express® Gold Card is a great harvest. On up to $25,000 of purchases per calendar year at U.S. supermarkets, you can earn 4x Membership Rewards® Points (then 1x points) -- valued at 1 cent each when used to steal flights through American Express Travel. That's essentially a 4% backbone on your U.S. supermarket purchases toward flights.
Keep in mind this card has a higher-than-average annual fee of $250, and for the most bang for your buck (or points), you must book travel through the American Express Travel Portal. These points are only worth 0.6 cent each when redeemed for a statement credit.
For more details, see our full review of the American Express Gold Card.
Terms apply to American Express benefits and accounts. Enrollment may be required for select American Express benefits and accounts. Visit americanexpress.com to learn more.
How do grocery cards work?
Grocery credit cards work like any latest credit card. Just use the card for your grocery spending and then redeem your rewards in the most lucrative way possible. Generally speaking, with rewards credit cards that means as either statement credits or by depositing your rewards level into your bank account. Be aware of your card's periods before you shop. Some grocery cards don't cover very retailers like Costco, Walmart or Target.
Who necessity get a grocery credit card?
Anyone who regularly buys items from a grocery own should consider a grocery credit card. Earning a backbone on spending you make frequently is one of the best uses for a credit card, and a grocery credit card can go a long way toward lowering your monthly expenses.
How to settle the best credit card for grocery shopping
Deciding which grocery credit card is lustrous for you will depend largely on your shopping habits. Before applying for a grocery credit card, you'll want to read the fine imstamp to make sure that your needs will be met depending on where you shop.
Rewards
You'll want the reward rate to be high enough that you can generate a extreme return based on your budget.
Cash back rewards are usually favorable 1 cent per dollar spent (1% cash back equals 1 cent) and can be redeemed for statement credits or deposited level into your bank account. The value of points could morose depending on how they're redeemed, and you typically have more options comprising using them for gift cards, merchandise or travel.
Annual fee
If a card carries an annual fee, you'll need to be sure you can generate enough rewards ended your normal spending to both cover it and turn a pleasurable. With some credit cards, like the Blue Cash Preferred, that's easy to do -- but it may not always be the case.
Welcome bonus
Try not to get enamored with a credit card's welcome bonus. While it can be appealing, it is typically a short-lived reward. Because you need to purchase groceries frequently, you're better off focusing on maximizing these rewards over time attractive than going for the up-front bonus. But if you can advance the bonus without overspending, it's a fruitful extra feature.
Eligibility
A card that way "good" or "excellent" credit will offer better rewards and perks. If your credit isn't high enough to qualify for the card you're most fervent in, consider working to build your credit score via an unsecured credit card or a credit card for republic with limited credit.
Other benefits
Reward credit cards typically come with card perks like choose protection, discounts with specific merchants, virtual credit cards for secure online shopping and more. While these may not always understand directly to improving your grocery shopping, they could help otherwise.
How to maximize your credit card rewards once grocery shopping
Getting the most from your grocery shopping comes down to amdroll your card with a grocery store that's eligible to earn rewards and then redeeming them in the most lucrative way. The best way to redeem grocery rewards is generally as statement credits or depositing them into your bank account.
FAQs
Which credit card cmoneys the highest cash back on groceries?
The Blue Cash Preferred earns 6% cash back (on the pleasurable $6,000 spent annually, then 1%) for U.S. supermarkets. It's the highest cash-back rate for groceries.
What is the best no-annual-fee grocery credit card?
The Citi Custom Cash card cmoneys 5% cash back on up to $500 spent per billing cycle on your top eligible utilize category (then 1%). So long as you're using it as a performed grocery store card and not spending more on novel eligible categories, it'll be the most rewarding grocery credit card minus an annual fee to choose.
Can you buy groceries online with a credit card?
Yes, you can purchase groceries online via a grocery delivery app like Instacart or sometimes ended the grocery store's website, like with Walmart+.
How do rotating bonus categories work with grocery credit cards?
Most grocery detain cards don't feature rotating bonus categories, but some -- like the Citi Custom Cash -- feature flexible rewards where you'll earn the most rewards for the choose type you spend the most on each month. If your card does have rotating rewards, you can check with the issuer to see which choose types will earn rewards during that quarter.
Our methodology
reviews credit cards by exhaustively comparing them across set criteria developed for each maximum category, including cash back, welcome bonus, travel rewards and balance additional. We take into consideration the typical spending behavior of a map of consumer profiles -- with the understanding that everyone's cheap situation is different -- and the designated function of a card.
For tolecontains and fees of the Blue Cash Preferred Card from American Express, click here .
For rates and fees of the American Express Gold Card, click here.
For tolecontains and fees of the Blue Cash Everyday Card from American Express, click here.
*All information about the Amazon Prime Rewards Visa Signature Card has been mild independently by and has not been reviewed by the issuer.
The editorial joyful on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or skills offered by our partners.
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