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Best Credit Cards for Groceries
20 Sep 2019

Stock up on Essentials: 12 Best Credit Cards for Groceries Rewards

In 2017, Americans spent an average of $4,363 per household on food. The truth is that even each item seems pretty affordable, in the end, the dollars add up. And for some people, this can turn into a real struggle: 40% of Americans has a hard time paying for their basic needs, including groceries.

No matter if you’re struggling or not, saving money on groceries can come in handy for anyone. After all, who doesn’t go grocery shopping on a regular basis?

The goods news is that whether you have a big family to feed, you’re a student who just moved out of your parent’s home or you’re simply on a tight budget, there’s a credit card for grocery rewards that is perfect for you.

Want to know which one it is? Let’s get into some of the best credit cards for groceries there are!

12 Best Credit Cards for Groceries Rewards

Nowadays there are countless grocery credit cards. With different annual fees, annual percentage rates and more, it becomes possible for you to find the one that’s more advantageous according to the type of shopper that you are.

For that reason, we decided to start the description of each credit card with who it is perfect for, followed by all the relevant information you need to know. Keep on reading and discover which credit card you should apply for.

1. Citi® Double Cash Card – 18 Month BT Offer

Perfect if: You want to earn back on all purchases.

Annual fee: $0

Intro annual percentage rate: 0% on balance transfers (18 months)

Regular annual percentage rate: 15.7% to 25.74% (variable)

Signup bonus: N/A

With the Citi® Double Cash Card – 18 Month BT Offer you can earn 2% back on all the purchases you make, so it isn’t a card specifically made for grocery rewards. You get 1% on purchases and the other 1% when you pay for them.

Although you don’t get any signup bonus, this car offers a very consistent cash back rate.

2. Blue Cash Preferred® Card from American Express

Perfect if: You’re looking for the best annual fee.

Annual fee: $95

Intro annual percentage rate: 0% on purchases and balance transfers (12 months)

Regular annual percentage rate: 15.24% to 26.24% (variable)

Signup bonus: $250 statement credit once you spend $1,000 during the first three months

The Blue Cash Preferred® Card from American Express is considered by many to be the best overall grocery credit card.

With this card, you earn 6% cash back at American supermarkets and on certain American streaming subscriptions and 3% on public transportation, for example.

3. Costco Anywhere Visa® Card by Citi

Perfect if: You have a big family to take care of.

Annual fee: $0, but you need to have a Costco membership

Intro annual percentage rate: N/A

Regular annual percentage rate: N/A

Grocery rewards:

Signup bonus: N/A

With the Costco Anywhere Visa card, you can save 2% when you buy at Costco and 3% on restaurants and travel purchases. Besides that, you can earn up to 4% on gas purchases on the first $7,000 per year, and 1% after that.

4. Capital One® SavorOne℠ Cash Rewards Credit Card

Perfect if: You go out to eat frequently.

Annual fee: $0 for the first year and $95 after that

Intro annual percentage rate: 0% on purchases and balance transfers (15 months)

Regular annual percentage rate: 16.24% to 26.24% (variable)

Signup bonus: $300 cash bonus once you spend $3,000 during the first 3 months

The Capital One® SavorOne℠ Cash Rewards Credit Card offers you a 2% cash back rate on groceries, but the real advantage is the dining and entertainment rate.

If you love to go out for nice meals, you’ll definitely benefit from the 4% cash back rate.

5. Target REDcard™

Perfect if: You want to get big savings on your groceries.

Annual fee: $0

Intro annual percentage rate: N/A

Regular annual percentage rate: 25.15% (variable)

Signup bonus: N/A

If you’re a Target aficionado, you simply need to apply for this grocery credit card.

You get a 5% discount on all purchases (which is automatically applied at checkout), 30 extra days if you need to return anything and free shipping on Target’s website.

6. Amazon Prime Rewards Visa

Perfect if: You get a lot of your groceries from Amazon Prime.

Annual fee: $0

Intro annual percentage rate: N/A

Regular annual percentage rate: 16.49% to 24.49% (variable)

Signup bonus: a $70 gift card to use on Amazon’s website

When it comes to grocery shopping, Amazon Prime is the holy grail for a lot of consumers. If that’s your case and you regularly buy from their Whole Foods Market, you’ll love the 5% cashback rate.

7. Walmart® Credit Card

Perfect if: You’re on a budget.

Annual fee: $0

Intro annual percentage rate: N/A

Regular annual percentage rate: 18.9% to 24.9% (variable)

Signup bonus: $25 in initial savings

With the Walmart® Credit Card, you earn 3% from purchases on Walmart’s website and 1% on in-store purchases.

This card is also accepted at Murphy USA gas stations (where you get 2% cash back) and Sam’s Club.

The annual fee doesn’t come with any catch, as you don’t need to have any kind of paid membership with the chain.

8. Bank of America Cash Rewards Credit Card for Students

Perfect if: You’re a student.

Annual fee: $0

Intro annual percentage rate: 0% on purchases and balance transfers (12 months)

Regular annual percentage rate: 16.24% to 26.24% (variable)

Signup bonus: $200 online cash after you spend $1,000 during the first 3 months

Just like the Bank of America states on their website, this card was designed specifically for young people to start working on their financial future.

It allows you to earn 2% back in groceries and 3% back in one of the following: gas, online shopping, restaurants, traveling, drug stores or furnishings.

9. Discover it® Secured Credit Card

Perfect if: You have a bad credit score.

Annual fee: $0

Intro annual percentage rate: N/A

Regular annual percentage rate: 25.24 (variable)

Signup bonus: at the end of your first year, Discover it® Secured will match all the cash back that you earned

If you have bad credit, it can be tough to get approved for a credit card. The Discover it® Secured is the solution to this problem.

With no annual fee, it allows you to earn back 2% at gas stations and restaurants on up to $1,000 in combined purchases per quarter, and unlimited 1% on other purchases.

10. American Express® Gold Card

Perfect if: You travel by airplane frequently.

Annual fee: $250

Intro annual percentage rate:

Regular annual percentage rate:

Signup bonus:

The second American Express card mentioned in our list is the best choice if you spend your life in airplanes.

Because of the high annual fee, our advice is that you take some time to consider if you’ll be traveling enough for the card to be worth it for you.

If you choose to get this card, you’ll get points to spend on airline partners: 4 points per dollar spent in restaurants all over the world and supermarkets in America and 1 point per dollar in other purchases.

11. Hilton Honors American Express Ascend Card

Perfect if: You stay in hotels frequently.

Annual fee: $0

Intro annual percentage rate: N/A

Regular annual percentage rate: 17.99% to 26.99% (variable)

Signup bonus: 75,000 points once you spend $1,000 during the first 3 months

American Express makes a third appearance, this time with a Hilton Honors card that’ll be very advantageous if you stay in hotels on a regular basis.

With the card, you get points that you can use in accommodation: 5 points per dollar spent in U.S supermarkets, restaurants and gas stations, as well as 3 points per dollar spent on other purchases.

12. Blue Cash Everyday® Card from American Express

Perfect if: You don’t typically spend a lot of money on groceries.

Annual fee: $0

Intro annual percentage rate:

Regular annual percentage rate: 15.24% to 26.24% (variable)

Signup bonus: $150 statement credit once you spend $1,000 during the first 3 months

Even those who don’t tend to spend fortunes on their groceries deserve a card that’ll help them save even more.

The Blue Cash Everyday® Card allows offers 3% cash back in American supermarkets (which decreases to 1% once you reach $6,000 in that year) and 2% in American gas stations, as well as in some department stores.

Happy Shopping!

Now that you know the details on 12 of the best credit cards for groceries, it should be easier for you to understand which one is the best for your case, considering the type of shopper you are.

Once you have your new credit card, it’s a good idea to follow some simple tips to make sure you take full advantage of it. The two most important ones are:

  • Always have your card with you, so you can use it every time you go grocery shopping.
  • Pay your full bills on time to avoid paying interest.

If you need more tips regarding secured credit cards, bad credit loans, or payday loans online we have a learning center with everything you need to know on our website. Go check it out! See below for some articles you might find interesting:

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