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Because the price of groceries continues to rise, households are in search of methods to lower your expenses on meals. The fitting grocery bank card may also help you earn rewards so you retain more cash in your checking account. A few of the greatest grocery playing cards — these providing cash-back rewards or factors — can stretch your grocery price range by as a lot as 6%. These playing cards usually additionally provide rewards in different spending classes, and lots of include a large welcome bonus.
CNET’S PICK
Intro Supply
Earn $250
Earn a $250 assertion credit score after you spend $3,000 in purchases in your new Card inside the first 6 months.
Annual Payment
$0 intro annual price for the primary 12 months, then $95.
Rewards Price
1%
– 6%
6% Money Again at U.S. supermarkets on as much as $6,000 per 12 months in purchases (then 1%); 6% Money Again on choose U.S. streaming subscriptions; 3% Money Again on transit together with taxis/rideshare, parking, tolls, trains, buses and extra; 3% Money Again at U.S. fuel stations; 1% Money Again on different purchases
Rec. Credit score
Really helpful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steerage about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Wonderful
APR
19.24% – 29.99% Variable
Whether or not you’re purchasing for groceries for your self or your loved ones, the Blue Money Most well-liked® Card from American Categorical is a stable possibility for most individuals. It supplies the best cash-back fee of any card we researched, incomes 6% money again on as much as $6,000 spent at U.S. supermarkets annually — for as a lot as $360 again per 12 months at this fee. Plus, you’ll nonetheless earn 1% money again should you exceed $6,000.
Based on the Bureau of Labor Statistics, the $6,000 spending cap gained’t be reached by the typical American family, which usually spends extra within the neighborhood of $5,000 per 12 months on groceries. Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score.
For extra particulars about this card, try our full overview of the Blue Money Most well-liked Card from American Categorical.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra.
- Intro Stability Switch APR
- 0% on steadiness transfers for 12 months
- Intro Buy APR
- 0% on purchases for 12 months
- Common APR
- 19.24% – 29.99% Variable
- Stability Switch Payment
- Both $5 or 3% of the quantity of every switch, whichever is bigger.
6%
6% Money Again at U.S. supermarkets on as much as $6,000 per 12 months in purchases (then 1%)
6%
6% Money Again on choose U.S. streaming subscriptions
3%
3% Money Again on transit together with taxis/rideshare, parking, tolls, trains, buses and extra
3%
3% Money Again at U.S. fuel stations
1%
1% Money Again on different purchases
Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra
Whether or not you’re purchasing for groceries for your self or your loved ones, the Blue Money Most well-liked® Card from American Categorical is a stable possibility for most individuals. It supplies the best cash-back fee of any card we researched, incomes 6% money again on as much as $6,000 spent at U.S. supermarkets annually — for as a lot as $360 again per 12 months at this fee. Plus, you’ll nonetheless earn 1% money again should you exceed $6,000.
Based on the Bureau of Labor Statistics, the $6,000 spending cap gained’t be reached by the typical American family, which usually spends extra within the neighborhood of $5,000 per 12 months on groceries. Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score.
For extra particulars about this card, try our full overview of the Blue Money Most well-liked Card from American Categorical.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra.
- Intro Stability Switch APR
- 0% on steadiness transfers for 12 months
- Intro Buy APR
- 0% on purchases for 12 months
- Common APR
- 19.24% – 29.99% Variable
- Stability Switch Payment
- Both $5 or 3% of the quantity of every switch, whichever is bigger.
6%
6% Money Again at U.S. supermarkets on as much as $6,000 per 12 months in purchases (then 1%)
6%
6% Money Again on choose U.S. streaming subscriptions
3%
3% Money Again on transit together with taxis/rideshare, parking, tolls, trains, buses and extra
3%
3% Money Again at U.S. fuel stations
1%
1% Money Again on different purchases
Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra
Intro Supply
$200
Earn $200 in money again after you spend $1500 on purchases within the first 6 months of account opening. This bonus provide will probably be fulfilled as 20,000 ThankYou® factors, which might be redeemed for $200 money again.
Rewards Price
1%
– 5%
Earn 5% money again on purchases in your prime eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter.; Earn limitless 1% money again on all different purchases.
Rec. Credit score
Really helpful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steerage about account eligibility. It doesn’t essentially assure approval for any monetary product.
580 – 850
Honest – Wonderful
APR
19.24% – 29.24% (Variable)
The Citi Customized Money® Card is exclusive in that it mechanically selects your highest eligible spend class and applies 5% money again rewards (on as much as $500 of expenditure per billing cycle, then 1%). Grocery shops are one in all these classes, as are eating places, fuel stations, choose journey, choose transit, choose streaming companies, drugstores, dwelling enchancment shops, health golf equipment and reside leisure.
So long as you’re not spending extra on the opposite classes than at grocery shops with this card, you’ll earn 5% money again on all of your grocery retailer purchases (on as much as $500 spent every billing cycle, then 1%), with out limitations on location like another playing cards impose. This card has no annual price, so you may simply maintain it as only a grocery bank card to keep away from confusion.
Take a look at our full overview of the Citi Customized Money® Card.
- Intro Stability Switch APR
- 0% for 15 months on steadiness transfers
- Intro Buy APR
- 0% for 15 months on purchases
- Common APR
- 19.24% – 29.24% (Variable)
- Stability Switch Payment
- Stability switch price applies with this provide 5% of every steadiness switch; $5 minimal.
5%
Earn 5% money again on purchases in your prime eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter.
1%
Earn limitless 1% money again on all different purchases.
The Citi Customized Money® Card is exclusive in that it mechanically selects your highest eligible spend class and applies 5% money again rewards (on as much as $500 of expenditure per billing cycle, then 1%). Grocery shops are one in all these classes, as are eating places, fuel stations, choose journey, choose transit, choose streaming companies, drugstores, dwelling enchancment shops, health golf equipment and reside leisure.
So long as you’re not spending extra on the opposite classes than at grocery shops with this card, you’ll earn 5% money again on all of your grocery retailer purchases (on as much as $500 spent every billing cycle, then 1%), with out limitations on location like another playing cards impose. This card has no annual price, so you may simply maintain it as only a grocery bank card to keep away from confusion.
Take a look at our full overview of the Citi Customized Money® Card.
- Intro Stability Switch APR
- 0% for 15 months on steadiness transfers
- Intro Buy APR
- 0% for 15 months on purchases
- Common APR
- 19.24% – 29.24% (Variable)
- Stability Switch Payment
- Stability switch price applies with this provide 5% of every steadiness switch; $5 minimal.
5%
Earn 5% money again on purchases in your prime eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter.
1%
Earn limitless 1% money again on all different purchases.
Intro Supply
Earn $200
Earn a $200 assertion credit score after you spend $2,000 in purchases in your new Card inside the first 6 months.
Rewards Price
1%
– 3%
3% Money Again at U.S. supermarkets on as much as $6,000 per 12 months in purchases, then 1%.; 3% Money Again on U.S. on-line retail purchases, on as much as $6,000 per 12 months, then 1%.; 3% Money Again at U.S. fuel stations, on as much as $6,000 per 12 months, then 1%.; 1% Money Again on different purchases.
Rec. Credit score
Really helpful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steerage about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Wonderful
APR
19.24% – 29.99% Variable
The Blue Money On a regular basis® Card from American Categorical presents a prime rewards fee on U.S. supermarkets at 3% money again. You need to use that reward fee on as much as $6,000 in spending per 12 months (then 1%), which covers the typical American family’s annual spending on groceries, in line with the Bureau of Labor Statistics. Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score.
As an alternative choice to conventional groceries, the Blue Money On a regular basis additionally presents as much as $180 per 12 months in assertion credit for Dwelling Chef, a meal equipment supply service (topic to auto renewal). You may obtain as much as $15 in month-to-month assertion credit whenever you use your Blue Money On a regular basis Card to pay for on-line Dwelling Chef purchases (as much as $180 per 12 months).
For extra data on this card, see our full overview of the Blue Money On a regular basis from American Categorical.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra.
- Intro Stability Switch APR
- 0% on steadiness transfers for 15 months
- Intro Buy APR
- 0% on purchases for 15 months
- Common APR
- 19.24% – 29.99% Variable
- Stability Switch Payment
- Both $5 or 3% of the quantity of every switch, whichever is bigger.
3%
3% Money Again at U.S. supermarkets on as much as $6,000 per 12 months in purchases, then 1%.
3%
3% Money Again on U.S. on-line retail purchases, on as much as $6,000 per 12 months, then 1%.
3%
3% Money Again at U.S. fuel stations, on as much as $6,000 per 12 months, then 1%.
1%
1% Money Again on different purchases.
Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra
The Blue Money On a regular basis® Card from American Categorical presents a prime rewards fee on U.S. supermarkets at 3% money again. You need to use that reward fee on as much as $6,000 in spending per 12 months (then 1%), which covers the typical American family’s annual spending on groceries, in line with the Bureau of Labor Statistics. Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score.
As an alternative choice to conventional groceries, the Blue Money On a regular basis additionally presents as much as $180 per 12 months in assertion credit for Dwelling Chef, a meal equipment supply service (topic to auto renewal). You may obtain as much as $15 in month-to-month assertion credit whenever you use your Blue Money On a regular basis Card to pay for on-line Dwelling Chef purchases (as much as $180 per 12 months).
For extra data on this card, see our full overview of the Blue Money On a regular basis from American Categorical.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra.
- Intro Stability Switch APR
- 0% on steadiness transfers for 15 months
- Intro Buy APR
- 0% on purchases for 15 months
- Common APR
- 19.24% – 29.99% Variable
- Stability Switch Payment
- Both $5 or 3% of the quantity of every switch, whichever is bigger.
3%
3% Money Again at U.S. supermarkets on as much as $6,000 per 12 months in purchases, then 1%.
3%
3% Money Again on U.S. on-line retail purchases, on as much as $6,000 per 12 months, then 1%.
3%
3% Money Again at U.S. fuel stations, on as much as $6,000 per 12 months, then 1%.
1%
1% Money Again on different purchases.
Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra
Intro Supply
60,000 Membership Rewards® Factors
Earn 60,000 Membership Rewards® Factors after you spend $6,000 on eligible purchases along with your new Card inside the first 6 months of Card Membership.
Rewards Price
3x
– 4x
Earn 4X Membership Rewards® Factors at Eating places, plus takeout and supply within the U.S.; Earn 4X Membership Rewards® factors at U.S. supermarkets (on as much as $25,000 per calendar 12 months in purchases, then 1X).; Earn 3X Membership Rewards® factors on flights booked immediately with airways or on amextravel.com.
Rec. Credit score
Really helpful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steerage about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Wonderful
APR
See Pay Over Time APR
If you need to redeem rewards for journey, the American Categorical® Gold Card is a good selection. On as much as $25,000 of purchases per calendar 12 months at U.S. supermarkets, you may earn 4x Membership Rewards® Factors (then 1x factors) — valued at 1 cent every when used to buy flights by way of American Categorical Journey. That’s basically a 4% return in your U.S. grocery store purchases towards flights.
Have in mind this card has a higher-than-average annual price of $250, and for essentially the most bang in your buck (or factors), you should e-book journey by way of the American Categorical Journey Portal. These factors are solely price 0.6 cent every when redeemed for an announcement credit score.
For extra particulars, see our full overview of the American Categorical Gold Card.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- N/A
- Common APR
- See Pay Over Time APR
- Stability Switch Payment
- N/A
4x
Earn 4X Membership Rewards® Factors at Eating places, plus takeout and supply within the U.S.
4x
Earn 4X Membership Rewards® factors at U.S. supermarkets (on as much as $25,000 per calendar 12 months in purchases, then 1X).
3x
Earn 3X Membership Rewards® factors on flights booked immediately with airways or on amextravel.com.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra
If you need to redeem rewards for journey, the American Categorical® Gold Card is a good selection. On as much as $25,000 of purchases per calendar 12 months at U.S. supermarkets, you may earn 4x Membership Rewards® Factors (then 1x factors) — valued at 1 cent every when used to buy flights by way of American Categorical Journey. That’s basically a 4% return in your U.S. grocery store purchases towards flights.
Have in mind this card has a higher-than-average annual price of $250, and for essentially the most bang in your buck (or factors), you should e-book journey by way of the American Categorical Journey Portal. These factors are solely price 0.6 cent every when redeemed for an announcement credit score.
For extra particulars, see our full overview of the American Categorical Gold Card.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- N/A
- Common APR
- See Pay Over Time APR
- Stability Switch Payment
- N/A
4x
Earn 4X Membership Rewards® Factors at Eating places, plus takeout and supply within the U.S.
4x
Earn 4X Membership Rewards® factors at U.S. supermarkets (on as much as $25,000 per calendar 12 months in purchases, then 1X).
3x
Earn 3X Membership Rewards® factors on flights booked immediately with airways or on amextravel.com.
Phrases apply to American Categorical advantages and presents. Enrollment could also be required for choose American Categorical advantages and presents. Go to americanexpress.com to study extra
Intro Supply
Get a $100 Amazon Reward Card (or extra)
Get a $100 Amazon Reward Card (or extra) immediately upon approval completely for Prime members
Rewards Price
1%
– 10%
Prime Card Bonus: Earn 10% again or extra on a rotating choice of merchandise and classes at Amazon.com; Earn limitless 5% again at Amazon.com, Amazon Contemporary, Entire Meals Market and on Chase Journey purchases with an eligible Prime membership; Earn limitless 2% again at fuel stations, eating places, and on native transit and commuting (together with rideshare); Earn limitless 1% on all different purchases
Rec. Credit score
Really helpful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steerage about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Wonderful
APR
19.49% – 27.49% Variable
In case you’re a common shopper at Amazon and Entire Meals, the Prime Visa is an effective way to earn money again in your purchases. It presents 5% money again at Entire Meals Market and on Amazon Contemporary and different Amazon.com purchases, which might be redeemed at checkout or as an announcement credit score from Chase. It’s also possible to rating a $100 Amazon reward card (or extra) upon account approval.
This card additionally options 2% money again at eating places, fuel stations, native transit and rideshares and 1% on all the things else. It’s essential to have an Amazon Prime membership — $139 per 12 months — to use for this card, however we’re guessing should you’re a heavy Amazon shopper, you’re already a member.
Take a look at our full overview of the Prime Visa.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- N/A
- Common APR
- 19.49% – 27.49% Variable
- Stability Switch Payment
- Both $5 or 5% of the quantity of every switch, whichever is bigger.
10%
Prime Card Bonus: Earn 10% again or extra on a rotating choice of merchandise and classes at Amazon.com
5%
Earn limitless 5% again at Amazon.com, Amazon Contemporary, Entire Meals Market and on Chase Journey purchases with an eligible Prime membership
2%
Earn limitless 2% again at fuel stations, eating places, and on native transit and commuting (together with rideshare)
1%
Earn limitless 1% on all different purchases
In case you’re a common shopper at Amazon and Entire Meals, the Prime Visa is an effective way to earn money again in your purchases. It presents 5% money again at Entire Meals Market and on Amazon Contemporary and different Amazon.com purchases, which might be redeemed at checkout or as an announcement credit score from Chase. It’s also possible to rating a $100 Amazon reward card (or extra) upon account approval.
This card additionally options 2% money again at eating places, fuel stations, native transit and rideshares and 1% on all the things else. It’s essential to have an Amazon Prime membership — $139 per 12 months — to use for this card, however we’re guessing should you’re a heavy Amazon shopper, you’re already a member.
Take a look at our full overview of the Prime Visa.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- N/A
- Common APR
- 19.49% – 27.49% Variable
- Stability Switch Payment
- Both $5 or 5% of the quantity of every switch, whichever is bigger.
10%
Prime Card Bonus: Earn 10% again or extra on a rotating choice of merchandise and classes at Amazon.com
5%
Earn limitless 5% again at Amazon.com, Amazon Contemporary, Entire Meals Market and on Chase Journey purchases with an eligible Prime membership
2%
Earn limitless 2% again at fuel stations, eating places, and on native transit and commuting (together with rideshare)
1%
Earn limitless 1% on all different purchases
How do grocery playing cards work?
Grocery bank cards work like every other bank card. Simply use the cardboard in your grocery spending after which redeem your rewards in essentially the most profitable method doable. With rewards bank cards, that usually means redeeming as both assertion credit or by depositing your rewards immediately into your checking account. Concentrate on your card’s phrases earlier than you store. Some grocery playing cards don’t cowl main retailers like Costco, Walmart or Goal.
The greatest bank cards for getting groceries will show you how to earn rewards with out growing your month-to-month spending. We don’t suggest spending exterior of your price range simply to earn rewards. In case you can’t repay your invoice in full every month, the curiosity you accrue can overshadow any rewards you’ve earned.
Who ought to get a grocery bank card?
Anybody who frequently buys gadgets from a grocery retailer ought to contemplate a grocery bank card. Incomes a return on spending you make often is likely one of the greatest makes use of for a bank card, and a grocery bank card can go a great distance towards decreasing your month-to-month bills.
Deciding which grocery bank card is best for you will rely largely in your buying habits. Earlier than making use of for a grocery bank card, you’ll wish to learn the high-quality print to make it possible for your wants will probably be met relying on the place you store. That additionally means selecting between co-branded bank cards like these provided by Costco or Walmart and basic rewards bank cards that work at any grocery store.
Rewards
You’ll need the reward fee to be excessive sufficient which you could generate a good return based mostly in your price range.
Money-back rewards are normally price 1 cent per greenback spent (1% money again equals 1 cent) and might be redeemed for assertion credit or deposited immediately into your checking account. The worth of factors may change relying on how they’re redeemed, and also you usually have extra choices together with utilizing them for reward playing cards, merchandise or journey.
Annual price
If a card carries an annual price, you’ll should be certain you may generate sufficient rewards by way of your regular spending to each cowl it and switch a revenue. With some bank cards, just like the Blue Money Most well-liked, which earns 6% money again at U.S. supermarkets (on the primary $6,000, then 1%) and has a $95 annual price ($0 for the primary 12 months) that’s simple to do — however it might not all the time be the case.
Welcome bonus
Attempt to not get enamored with a bank card’s welcome bonus. Whereas it may be interesting, it’s usually a one-time reward. As a result of it is advisable to buy groceries often, you’re higher off specializing in maximizing these rewards over time somewhat than going for the up-front bonus. However should you can attain the bonus with out overspending, it’s a fruitful further characteristic.
Eligibility
A card that requires “good” or “glorious” credit score will provide higher rewards and perks. In case your credit score isn’t excessive sufficient to qualify for the cardboard you’re most excited about, contemplate working to construct your credit score rating by way of an unsecured bank card or a bank card for individuals with restricted credit score.
Different advantages
Reward bank cards usually include card perks like buy safety, reductions with particular retailers, digital bank cards for safe on-line buying and extra. Whereas these might not all the time translate on to enhancing your grocery buying, they might assist in any other case.
Getting essentially the most out of your grocery buying comes all the way down to utilizing your card with a grocery retailer that’s eligible to earn rewards after which redeeming them in essentially the most profitable method. One of the best ways to redeem grocery rewards is usually as assertion credit or depositing them into your checking account.
FAQs
The Blue Money Most well-liked earns 6% money again (on the primary $6,000 spent yearly, then 1%) for U.S. supermarkets. It’s the best cash-back fee for groceries.
The Citi Customized Money card presents 5% money again on as much as $500 spent per billing cycle in your prime eligible spend class (then 1%). As long as you’re utilizing it as a devoted grocery retailer card and never spending extra on different eligible classes, it’ll be essentially the most rewarding grocery bank card with out an annual price to decide on.
Sure, you should buy groceries on-line by way of a grocery supply app like Instacart or generally by way of the grocery retailer’s web site, like with Walmart Plus. Some bank cards, just like the Chase Sapphire Most well-liked, provide complimentary InstaCart+ membership for six months.
Most grocery retailer playing cards don’t characteristic rotating bonus classes, however some — just like the Chase Freedom Flex℠* — characteristic versatile rewards the place you’ll earn essentially the most rewards for the eligible buy kind you spend essentially the most on every month. In case your card does have rotating rewards, you may verify with the issuer to see which buy sorts will earn rewards throughout that quarter.
The editorial content material on this web page is predicated solely on goal, unbiased assessments by our writers and isn’t influenced by promoting or partnerships. It has not been offered or commissioned by any third get together. Nonetheless, we might obtain compensation whenever you click on on hyperlinks to services or products provided by our companions.
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