Everybody buys groceries. So why not get paid for it? Choosing the right credit card to use at the grocery store could mean hundreds of extra dollars in your pocket each year.
6 of the Best Credit Cards for Groceries
Here are the best credit cards to use when you’re buying groceries.
Cardholders who have the American Express® Blue Cash Preferred card can earn 6% cash back on the first $6,000 they spend on groceries each year at supermarkets in the U.S., then 1% thereafter. They also earn 6% cash back on U.S. streaming services, 3% cash back on U.S. transit, 3% cash back at U.S. gas stations and 1% cash back on everything else. Terms apply.
The Blue Cash Preferred Card has a $0 intro annual fee for the first year, then a $95 annual fee. The interest rate is 0% APR for the first 12 months, and then APR.
There is a current new card member offer of $250 back, issued as a statement credit, when you spend $3,000 in purchases on the card in the first six months.
Amazon Prime Rewards Visa Card
If you have Amazon Prime and you shop at Whole Foods Market, this is the grocery store credit card for you. You’ll earn 5% cash back on every purchase at Whole Foods Market and at Amazon. You’ll also get 2% cash back at restaurants, gas stations and drugstores and 1% cash back everywhere else. Upon approval for the card, you’ll also receive a $150 Amazon gift card, which will automatically be loaded into your Amazon.com account.
If you don’t have Amazon Prime, you can get the Amazon Rewards Signature Card and still get 3% cash back at Whole Foods Market and Amazon, 2% cash back at restaurants, gas stations and drugstores and 1% cash back everywhere else.
This card, which is issued by Chase, has no annual fee and no foreign transaction fees and has an APR of . And there’s no limit to the amount of cash back you can earn. You can redeem your rewards for cash back to your card, for gift cards, travel expenses or purchases on Amazon.com.
The Citi Custom Cash Card gives you 5% cash back on up to $500 in spending in the category you spend the most on each month. So, if you spend $500 on groceries, $200 at restaurants and $45 at drugstores in January, you’ll get 5% cash back on your grocery purchases. If you spend $400 on groceries and $600 at restaurants in February, you’ll get 5% cash back on the first $500 you spent at restaurants.
The categories are grocery stores, restaurants and dining, gas stations, travel, transit, drugstores, streaming services, home improvement stores, live entertainment and fitness clubs. You’ll earn 1% cash back on all other purchases.
If you open a new account and spend $1,500 in the first six months, you’ll also get a bonus of $200 cash back.
The Citi Custom Cash Card has an introductory APR of 0% for the first 15 months for purchases and for balance transfers completed within four months of opening the account. After that, the interest rate is APR. The card has no annual fee.
Capital One SavorOne Rewards Card
Holders of the Capital One SavorOne Rewards Card get unlimited 3% cash back at grocery stores — except for superstores like Target and Walmart — and also on dining, entertainment and streaming services. They get 1% cash back on all other purchases.
New cardmembers get a $200 cash bonus if they spend $500 on purchases within the first three months of opening the account.
The has no annual fee. The interest rate is 0% APR for 15 months for purchases and balance transfers, although balance transfers incur a 3% fee. After the introductory period, the interest rate is APR.
With the Blue Cash Everyday Card from American Express, Member FDIC, you will earn 3% cash back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations on up to $6,000 per year in each of these categories. After the category caps are hit, you will earn 1% back and will also earn 1% back on all of your other eligible purchases. Terms apply.
When you spend $2,000 on purchases in the first six months, you earn a $200 statement credit. Terms apply.
This card, unlike its big brother the Blue Cash Preferred Card, has no annual fee. It also has an introductory interest rate of 0% APR on purchases and balance transfers for the first 15 months. After that, it’s a variable rate, which is currently APR.
With the Bank of America Customized Cash Rewards Card, you get 2% cash back at grocery stores and wholesale clubs, plus 3% cash back in one category of your choice. Categories include gas, dining, travel, online shopping, drug stores and home improvement or furnishings. Your 2% and 3% cash-back rewards are capped at the first $2,500 in combined purchases per quarter. On everything else, you get 1% cash back.
If you are a Bank of America, Member FDIC, Preferred Rewards customer, you can earn 25% to 75% more cash back. Preferred Rewards are based on your total balance with Bank of America, including deposit and loan accounts. Additionally, after making at least $1,000 in purchases in the first 90 days of account opening, you’ll earn a $200 online cash rewards bonus.
This card has no annual fee, and new cardholders get 0% APR on purchases and balance transfers for the first 18 billing cycles. However, there is a 3% fee for balance transfers, with a minimum fee of $10. After the introductory period, the interest rate is currently APR.
Keys To Getting the Most From Your Grocery Store Credit Card
All of these cards look great on paper, but to get the most benefit from them, you need to be sure you’re using them correctly.
Here Are Some Tips:
- Use the card that fits where you shop. If you always shop at Whole Foods, the Amazon Visa is a good choice for you. If you do most of your grocery shopping at Walmart or Target, don’t choose the Capital One Savor One card, because you’ll only get 1% cash back at those locations.
- Watch the interest rate. When you’re using your card for groceries, you should pay it off every month. But if you can’t, make sure you know when your introductory period ends. Many cards offer 15 months of 0% APR, but some have shorter intro offers.
- Stack offers if you can. Bank of America offers extra cash back to Preferred Rewards members for having multiple accounts at the bank.
- Get the sign-up bonus. If your new card offers a bonus for signing up, make sure you understand and comply with the requirements to get the bonus. Typically you need to spend a certain amount in a specified period of time after opening the account.
- Don’t let the cash-back offers persuade you to buy things you wouldn’t otherwise buy. Five percent back is great, but you’re still paying 95% of the cost of that pre-made truffle cheese dip that you’re not even sure you’ll like.
Getting the right credit card and using it the right way can help you get the most from your grocery budget.
Rates, offers and requirements are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 4, 2022.
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