Saturday, March 18, 2023

What Is The Best Credit Card For Grocery Shopping

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Best For Points Daily Charges: Amex Everyday Preferred Credit Card

2020 BEST Credit Cards for Groceries (Highest Cash Back or Rewards on Grocery Purchases!)

Earn 15,000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.

Rewards Earning Rate Earn 3 points per $1 at US supermarkets on up to $6,000 per year. Earn 2 points at US gas stations, and 1 point on other purchases.
  • Why We Chose This Card
  • Pros and Cons

The winner for the best credit card for points and daily purchases is the Amex EveryDay® Preferred Credit Card because it earns 3x points on the first $6,000 in grocery store purchases every year. You’ll also receive 2x points at U.S. gas stations and everything else earns 1x. When you make at least 30 purchases in a billing period, you’ll receive 50% more points. New customers can earn 15,000 points after spending $1,000 during the first three months after approval. There’s also an intro 0% APR offer on purchases for 12 months to give you more time to pay off your purchases without paying any interest.

  • Competitive rewards earning rates on routine purchases.

  • More points for frequent spenders.

  • Points are transferable to airline and hotel partners.

  • Earning caps may limit grocery rewards.

  • Unremarkable bonus for new cardholders

Citi Premiere Credit Card

Let the money you spend on groceries earn you something in return for using the Citi Premier card which earns you 3X Citi ThankYou points for each dollar spent at a grocery store, restaurant, gas station, or air travel. It has a very lucrative sign-up reward; when you spend $4,000 within the first three months of membership, you get 80,000 points.

An Important Detail: Whats Considered A Grocery Store

When thinking about which card is best for you, its important to remember how companies typically define a grocery store”;or as “supermarket purchases.” In most cases, companies consider grocery stores to be supermarkets that primarily sell food, such as Giant Food, SuperFresh, Whole Foods, or Winn-Dixie.

Wholesale clubs and superstores, like Target or Walmart, dont usually count as grocery stores, but this is not a hard-and-fast rule. For example, a Walmart might be considered a grocery store depending on the grocery offerings it has. As always, be sure to read the details on your particular card before you create your spending plan.

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Best Grocery Credit Card For Online Grocery Purchases

Why We Like It:

The Bonus:Earn 100,000 Chase Ultimate Rewards® points after spending $4,000 in the first three months. That’s worth $1,250 in travel.

The Rewards: Earn 5X total points on all travel purchased through the Chase Ultimate Rewards® portal; 3X points on dining, including eligible delivery services and takeout; 3X points on online grocery purchases ; 3X points on select streaming services; 2X points on travel purchases; and 1X point on all other purchases.

The Annual Fee:$95

Excellent, Good


  • Receive a $50 hotel credit each year for a stay booked through the Ultimate Rewards® portal.
  • Receive an annual points bonus equal to 10% of your total purchases from the previous year.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service .


  • There is an annual fee to consider.
  • Rewards earned are best used for travel, so if you’re looking for something more flexible, a cash-back credit card may be a more suitable option.
Likelihood of Continuing to Use 8.7

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

Blue Cash Preferred Card From American Express

Best Credit Cards for Grocery Stores and Supermarkets ...

Our pick for: Overall highest rewards rate

If your household spends a lot on groceries, gas, transit and streaming services, the Blue Cash Preferred® Card from American Express is for you. The rewards it pays in those categories particularly at U.S. supermarkets and on select streaming services are among the richest of any card. There’s a nice bonus offer for new cardholders and an introductory 0% APR period, too. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. Read our review.

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How To Choose The Reward Card That Is Right For You

With so many different reward cards and travel rewards cards out there, how do you know which is right for you? The easiest way to know which card is best is to evaluate your spending.

Where do you spend the most money? Once you know where your money is going, you can choose a card that will reward you the most in that category of spending.

It is also a good idea to consider how much time you want to invest in your reward card. Do you want to keep up with rotating category bonuses and make sure you are getting the best flight deals for your points? Or would you rather something easier like a card that earns 1% cash back on every purchase?

There is no wrong answer, but you need to know these answers to understand which card will best benefit your lifestyle.

Best Gas & Groceries Credit Cards For September 2021

Many or all of the products here are from our partners. We may earn a commission from offers on this page. Its how we make money. But our editorial integrity ensures our experts opinions arent influenced by compensation. Terms may apply to offers listed on this page.

The best gas and grocery credit cards have rewards rates of at least 2% to 3% in those spending categories, and there are even cards offering up to 5% or 6% back. Whether you’re looking for a no-annual-fee card, a big sign-up bonus, or a 0% intro APR, you can find a credit card for gas and groceries that fits the bill.

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Compare The Best Credit Cards For Groceries

Blue Cash Preferred Card from American ExpressBest Overall, Best for Cash Back $300 after $3,000 in 6 months 6% groceries & streaming 3% transit & gas 1% all else $95
Best for Grocery Rewards Points 60,000 points after $4,000 in 3 months; 4x dining & groceries 3x flights 1x all else $250
Amazon Business Prime American Express CardBest for Business $125 Amazon gift card upon approval; 5% back or 90-day terms on Amazon and Whole Foods 2% at U.S. restaurants, gas stations, and wireless telephone 1% all else $0
Amazon Prime Rewards Visa Signature CardBest for Whole Foods $100 Amazon gift card upon approval; 5% at Amazon & Whole Foods 2% dining, gas stations, and drugstores 1% all else $0
Capital One Walmart Rewards MastercardBest for Walmart 5% on in-store Walmart purchases using Walmart Pay for 12 months; 5% at 2% in Walmart stores, dining, and travel 1% all else $0
Blue Cash Everyday Card from American ExpressBest for No Annual Fee $200 after $1,000 in 3 months; 3% at U.S. supermarkets & gas stations 2% U.S. department stores 1% all else $0
Amex EveryDay Preferred Credit CardBest for Points, Daily Charges 15,000 points after $1,000 in 3 months 0% APR on purchases for 12 months; 3x at U.S. supermarkets & gas stations 1x all else $95

Best Hotel Credit Cards For Groceries

The Best Credit Cards for Groceries Revealed: New Comparison!

Perhaps you wouldnt naturally consider your hotel-branded credit cards for earning rewards on grocery purchases, but many hotel credit cards actually offer grocery stores as a bonus spending category.

Hotel Rewards Credit Card for Groceries Spending Rewards Earned
  • Earn up to 17x points per $1 spent at participating Marriott Bonvoy properties
  • 2x points on all other purchases .
  • Annual Fee: $95

It wouldnt make sense to apply for a hotel-branded card solely for earning rewards at supermarkets, but it could be an excellent decision if Hilton, IHG, or Marriott were your hotel brand of choice.

The Hilton Surpass card earns 12 points per $1 at Hilton properties and 6x at U.S. supermarkets, and the Hilton Honors card earns 7 points per $1 at Hilton and 5x at U.S. supermarkets. Check out all the ways to earn Hilton Honors points if youre a Hilton loyalist by accessing our complete guide.

The IHG Premier card earns 25 points per $1 spent at IHG properties and 2 points per $1 on groceries, gas, and restaurants.

The earns 17 points per $1 spent at and 2 points per $1 on all other purchases . For more ways to earn Marriott Bonvoy points, check out our guide.

Bottom Line: Travel rewards credit cards often charge annual fees, but these cards also offer travel benefits that can more than offset the cost of that annual fee. Just be sure to select travel rewards credit cards with benefits you will actually use.;

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Points And Miles Cards

Points and miles cards for groceries offer bonus rewards on your grocery purchases that you can redeem for travel. These cards are a good option for frequent travelers, as you can potentially squeeze more rewards out of your purchases with the card than you could with a simple cashback card.

The American Express® Gold Card is one of the best points cards for travel purchases. We estimate its points are worth around 2 cents on average when redeemed for travel, which means you’re getting around an 8% return on your U.S. supermarket purchases.

Best Credit Cards For Groceries 2021

Best overall:

  • On American Express’ Secure Website

Annual Fee

  • On American Express’ Secure Website

Annual Fee

Annual Fee

A grocery store credit card can help with saving money on supermarket trips if you’re able to earn points or cash back on purchases. The best credit card for groceries is the one that offers the best combination of rewards, added benefits and cost.

Grocery store credit cards may be a good fit if you spend more on everyday purchases versus travel. Finding the best grocery store credit card starts with understanding your spending habits. From there, you can narrow down the list of card options to find the best fit. Below, you’ll find our top picks for different types of spenders.


To make choosing the right card easier, we’ve looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

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Capital One Savor Cash Rewards Credit Card*: Best For Earning Cash Back On Groceries And Dining Out

This card is for those with way too packed a social life to buy groceries. The card has been recently upgraded, and now you get 3% cash back at grocery stores for those times your social calendar eases up and you can actually get to the store. Otherwise, you get way more return on your cash back when you dine out or see a show.

Plus, if you love concerts, 8% cash back on tickets through Vivid Seats is absolutely unprecedented.

Check out the details:

  • $300 cash bonus if you spend $3,000 in the first three months
  • 8% cash back on tickets through Vivid Seats
  • 4% cash back on dining, entertainment and eligible streaming services
  • 3% cash back at grocery stores
  • 1% cash back on all other purchases
  • $95 annual fee

Tip: There is typically never a case where the rewards you receive are more valuable than the interest youd pay in racking up purchases just to earn rewards, says Evan Tarver, financial analyst for Therefore, you always want to spend within your means and ensure that youre not going over-budget, regardless of the type of card you have.

Why go to a standard grocery store when superstores allow you to get the grocery shopping done all in one shot? For those who prefer one-stop shopping, there are some great credit card options for superstore shoppers that will give you monster returns you dont often see with standard cash back cards as long as you use them in-store.

Best Grocery Card For Low Spenders

Best Credit Card for Groceries: Grocery Cashback Options ...
  • Foreign Transaction Fee2.7% of each transaction after conversion to US dollars

American Express is a Credit Card Insider advertiser.

This Amex card is another one of the best grocery cash back;credit cards.;It has no annual fee and a 3% cash back rate at U.S. supermarkets on the first $6,000 in spending .

Its a good option if you dont spend a lot of money on groceries. Or if you split your food shopping between traditional supermarkets and stores like Target and Walmart .

Because, unlike the Blue Cash Preferred® Card from American Express , theres no annual fee youll need to offset with cash back rewards. So you can distribute your spending however you like without worrying about making the card worth the price.

Insider tip

In its definition of supermarkets, Amex doesnt include specialty food stores; certain natural food stores; corner stores; superstores like Amazon, Target, or Walmart; or warehouse clubs like Sams Club or Costco.

Examples of places it does count include Gristedes, Foodtown, Meijer, Shoprite, Stop and Shop, Vons, Wegmans, Whole Foods, Winn-Dixie, and online supermarkets such as FreshDirect.

Its list of select;U.S.;department stores includes Bealls, Belk, Bloomingdales, Bon-Ton Stores, Boscovs, Century 21, Dillards, J.C. Penney, Kohls, Lord & Taylor, Macys, Neiman Marcus, Nordstrom, Saks Fifth Avenue, Sears, and Stein Mart.

Heres the;full list of retailers included in Amexs bonus categories.

Annual Grocery Spend
$360 $95 = $265 $180

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What Is The Best Credit Card For Grocery Shopping

Best Credit Cards for Groceries

  • PenFed Platinum Rewards Visa Signature Card. Best Overall, Best With No Annual Fee, Best for Unlimited Cash-Back Rewards.
  • Amazon Rewards Visa Signature Card. Best Store-Specific Card.
  • Blue Cash Preferred Card from American Express. Highest Rewards-Earning Rate.

The Ascent’s top picks for gas and groceries credit cards:

  • Bonus cash back: Discover it® Cash Back.
  • Gas & U.S. supermarkets: Blue Cash Preferred® Card from American Express.
  • Gas cash back and intro bonus: Bank of America® Cash Rewards credit card.
  • Bonus cash rewards program: Chase Freedom®

Likewise, can you use a credit card for groceries? that reward purchases at supermarkets do so by giving you cash-back, points, or miles for spending money on the for those purchases. For example, if you have a that pays 3% cash-back on groceries and you spend $200 on groceries, you‘ll receive cash-back of $6.

Herein, what grocery stores offer credit cards?

Comparing the best grocery credit cards

Earning Rate on Groceries
5% savings on qualifying purchases at Target None
Amazon Prime Rewards Visa Signature Card 5% cash back on Whole Foods and purchases None, but must be an Amazon Prime member

Is Walmart considered a grocery store for credit cards?

Typically, Walmart registers as a superstore, not a grocery store. However, if you log into the Walmart grocery page and make purchases online, it could be coded as grocery, depending on the issuer. Check out all the answers from our experts.

Best For Whole Foods: Amazon Prime Rewards Visa Signature Card

Get a $100 Gift Card instantly upon credit card approval.

$0, Prime Membership Required
Rewards Earning Rate Earn 5% back at and Whole Foods market with an eligible prime membership, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
  • Why We Chose This Card
  • Pros and Cons

We chose the Amazon Prime Visa Signature as our top pick for grocery rewards at Whole Foods Market because of its large, unlimited 5% rewards bonuses with Whole Foods and purchases. If you need more time to pay off your purchases of $50 or more, you can choose a 0% APR promo of six to 18 months instead of the 5% rewards.

You’ll also receive 2% back at restaurants, gas stations, and drugstores and 1% everywhere else. Plus, you’ll get a $100 Amazon gift card instantly upon approval for this card. There is no annual fee for eligible Amazon Prime members, and the card does not charge any foreign transaction fees. Rewards do not expire and can be used during checkout at or applied toward a purchase on your statement.

  • 5% rewards on purchases

  • Easy redemption while shopping

  • Requires a paid Amazon Prime membership

  • No 0% APR introductory offer

  • Rewards must be spent at Amazon or Whole Foods

  • Low one-time offer

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Best Capital One Credit Cards For Buying Groceries

None Not applicable

5x rewards points earned for up to $12,500 spent combined on gas, grocery and drugstore purchases for the first 6 months.

Wells Fargo Cash Wise Visa is the issuers flagship cash-back card. Its a flat-rate card that awards 1.5% rewards earning for all purchases, including spending at grocery stores and gas stations. Both are major spending categories for many U.S. households.

Regardless, the Cash Wise Visa Card earns less for eligible grocery store purchases than both the Wells Fargo Visa Signature and Wells Fargo Rewards cards. These no-fee rewards credit cards offer 5x rewards points earned for up to $12,500 spent on gas, grocery and drugstore purchases for the first 6 months and 1x points on other purchases. The main drawback to these rewards-earning cards is that points expire after five years.

All in all, Wells Fargo credit cards pack in a lot of value for cards without annual fees.

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