Everyone needs to eat, and while eating out or ordering takeout is less messy than cooking at home, studies show that most Americans spend more money on food at home. And now, that begs the question: which is the best credit card for groceries?
If you’re going to spend a lot of money on groceries every month, you should try to receive something in return.
Fortunately, a variety of rewards credit cards provide bonus points for groceries and other perks, making using them for all of your purchases a wise decision.
Best Credit Card for Groceries
If you go to the grocery store frequently, you may consider acquiring a credit card that rewards you for shopping.
With the right card, your shopping experience will be nothing but memorable and stress-free. Here’s our perspective on the top grocery credit cards.
1. Blue Cash Preferred® Card from American Express
This is an excellent family rewards card. In addition to its best-in-class cash-back rate on US grocery purchases, it offers bonus rewards on everyday household transactions such as at US gas stations, on public transportation, and even with certain US streaming services.
These are all fixed-rate categories that will not change, allowing you to earn significant rewards throughout the year.
1. Earn a $250 statement credit after spending $3,000 on your new Card in the first 6 months.
2. For the first year, there is no yearly cost; after that, the fee is $95.
3. Low introductory APR: 0% on purchases and balance transfers for the first 12 months from account opening. Following that, your APR will be a variable APR ranging from 19.24% to 29.99%. Variable APRs will not go higher than 29.99%.
4. 6% Cashback at US supermarkets on purchases up to $6,000 per year (then 1%).
5. 6% cashback on various streaming subscriptions in the United States.
6. 3% cash back at gas stations in the United States and on public transportation (including taxis/rideshare, parking, tolls, trains, buses, and more).
7. Other purchases will earn you 1% cash back.
8. Back is given in the form of Reward Dollars, which may be redeemed for statement credit.
2. Capital One SavorOne Cash Rewards Credit Card
The SavorOne has you covered whether you’re going out for the evening or staying home with the family.
You can earn a limitless 3% back not only on groceries (excluding superstores like Walmart® and Target®), but also on eating, entertainment, and popular streaming services.
The SavorOne is a unique option because it combines a wide range of popular culinary and entertainment categories into a single no-annual-fee card.
1. Earn a one-time cash bonus of $200 after spending $500 on purchases within the first three months of account opening.
2. Earn an infinite amount of money. 3% cash back on restaurants, entertainment, popular streaming services, and grocery stores (excluding superstores such as Walmart® and Target®), plus 1% cash back on all other transactions.
3. Earn 10% cash back on Uber and Uber Eats purchases, as well as bonus Uber One membership statement credits, through 11/14/2024.
4. Earn 8% cash back when you buy Capital One Entertainment.
5. Earn an unlimited 5% cash back on hotels and rental cars booked via Capital One Travel, where you’ll find the greatest pricing on thousands of vacation alternatives. Terms and conditions apply.
6. There are no rotating categories or sign-ups required to get cash rewards; also, cashback will not expire for the life of the account and there is no limit to how much you can earn.
7. There are no foreign transaction fees.
8. There is no annual charge.
3. Bank of America® Customized Cash Rewards Credit Card
If you’re searching for a personalized rewards card with no annual fee, this card is a good choice.
It not only allows you to select from a variety of bonus categories, such as petrol, dining, and home improvement, but it also provides fixed rewards for grocery store purchases.
In addition, unlike most supermarket cards, you can earn extra points for purchases made at warehouse shops.
1. After making at least $1,000 in purchases in the first 90 days of account opening, you will receive a $200 online cash rewards bonus.
2. Earn 3% cash back in your preferred category – now with expanded categories – automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined quarterly purchases in your preferred category/grocery store/wholesale club), and unlimited 1% on all other purchases.
3. Gas (now including Electric Vehicle Charging (EVC) Stations) and Online Shopping (now including Cable, Streaming, Internet, and Phone Services) have had their 3% categories increased.
4. You can earn 25%-75% extra cash back on every transaction if you are a Preferred Rewards member. This implies you might get 3.75%-5.25% cash back on purchases in your preferred category.
5. There is no annual cost, and incentives do not expire.
6. Introductory APR of 0% for 15 billing cycles on purchases and balance transfers done within the first 60 days. After the intro APR offer expires, the variable APR will range from 18.24% to 28.24%. All balance transfers are subject to a 3% charge.
7. Contactless Cards combine the security of a chip card with the ease of a tap.
8. If you leave this page or visit a Bank of America banking center, this online-only offer may no longer be accessible. When you apply now, you will be able to take advantage of this offer.
4. Chase Sapphire Preferred® Card
This travel rewards card comes with both short-term and long-term value.
Cardmembers receive travel-related annual credits as well as a bevy of travel and purchase safeguards in addition to a large welcome bonus and a number of bonus rewards categories.
Redemption options are extremely versatile, allowing you to choose from cash back, gift cards, and other options based on your needs.
1. Earn 60,000 extra points after spending $4,000 on purchases in the first three months after creating your account. When you redeem with Chase Ultimate Rewards®, you’ll receive $750.
2. Benefits include 5x points on Chase Ultimate Rewards® travel, 3x points on dining, and 2x points on all other travel expenditures, as well as a $50 yearly Ultimate Rewards Hotel Credit.
3. When you redeem for travel, hotels, auto rentals, and cruises with Chase Ultimate Rewards®, you will receive 25% more value. 60,000 points, for example, are worth $750 in airfare.
4. Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more benefits are available.
5. When you activate by December 31, 2024, you will receive free access to DashPass, which will allow you to avoid delivery fees and lower service prices for at least a year.
6. Member of the FDIC
5. American Express® Gold Card
This mid-level rewards card has a lot of promise if you want to earn high travel points from ordinary spending at US supermarkets, as well as dining and flight expenditures.
It has a high annual fee, but the card’s excellent rewards rates, point values, and annual meal credits easily balance it.
In addition, Amex offers a variety of extra travel incentives to boost the card’s value.
1. Spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership to earn 60,000 Membership Rewards® points.
2. Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the United States, and earn 4X Membership Rewards® points at supermarkets in the United States (on purchases up to $25,000 per calendar year, then 1X).
3. Earn 3X Membership Rewards® points when you book flights directly with airlines or through amextravel.com.
4. $120 Uber Cash in exchange for Gold: Add your Gold Card to your Uber account to receive $10 in Uber Cash each month for Uber Eats orders or Uber rides in the United States, up to $120 per year.
5. Satisfy your cravings while earning up to $10 in monthly statement credits when you use your American Express® Gold Card to pay at Grubhub.
6. When you book The Hotel Collection via American Express Travel, you will receive a $100 experience credit with a minimum two-night stay. The amount of experience credit given varies by property.
7. Choose a color that complements your style. Rose gold or gold.
8. There are no foreign transaction fees.
9. The yearly fee is $250.
Earning points on grocery store purchases is feasible with a few of the best credit cards for groceries, but the amount of the reward varies depending on your needs and where you buy.
Some cards may offer incentives at a single retailer or benefits in other categories, so before selecting a card, consider your purchasing habits and financial goals.
Benefits can also add value to your credit card, and while some cards provide supermarket delivery service memberships, the annual fee may not be worth it. Consider whether paying a fee for card use is a worthwhile expense for you.
Frequently Asked Questions
What kind of credit cards do millionaires use?
Millionaires use credit cards such as the American Express Centurion® Card and the J.P. Morgan Reserve Credit Card. These high-end credit cards are only available to those who are invited to apply, and millionaires have the highest chance of acquiring one.
What card do you use to buy groceries?
Frequent grocery shoppers will be pleased to find that the American Express Blue Cash Preferred® Card offers the highest cash-back rate at US supermarkets, at 6%.
Can you put groceries on a credit card?
Using a credit card to buy groceries and then making your monthly payments on time can help you create a great credit history and demonstrate to potential lenders that you can responsibly manage your credit.
Should I use debit or credit for groceries?
If you’re using a credit card to live beyond your means or to pay for everyday expenditures because you can’t otherwise afford them, a debit card might be a better option.
Can you use an Amazon credit card for groceries?
The cards will not be accepted at Whole Foods. You’d need the Prime Visa for that, which provides Prime members 5% back on Whole Foods purchases.
Can I use my credit card to pay for everything?
If you carry a balance on your credit card, using it for everything may not be for you. Interest, fees, and a drop in your credit score are all risks. Regardless of how frequently you charge, consider utilizing a credit card that matches your specific needs.
How to get a credit limit of $10,000?
You will need strong to exceptional credit and proof that you can afford a large spending limit to be approved for a high limit credit card. Your credit limit will be established by a number of criteria, including your income, assets, and existing debt obligations.
What is the strongest credit card in the world?
The Centurion® Card from American Express is the most powerful credit card in the world, famously known as the “black card” and seen as a status symbol for wealthy and prominent people.
How to get a $5,000 dollar credit card limit?
If a credit card offer includes a credit limit range of $1,000 to $5,000, those with higher credit scores will receive the $5,000 credit limit, while those with lower credit scores will receive $1,000.
How many credit cards should you have?
Two to three credit card accounts, in addition to other sources of credit, are generally suggested if your goal is to obtain or maintain a strong credit score.