Americans tend to spend more on groceries than any other major household expense. Because you can easily pay for supermarket purchases with a credit card, why not earn rewards on the biggest line item in your budget while you’re at it? While there are plenty of travel rewards cards to choose from, there aren’t as many credit cards available with bonuses on grocery spending. Let’s have a closer look at the best grocery credit cards below.
|Blue Cash Preferred® Card from American Express||Best overall grocery card|
Best grocery card for high cashback rate
|PenFed Platinum Rewards Visa Signature Card||Best no-annual-fee grocery card|
Best grocery card with unlimited rewards
|Wells Fargo Visa Signature Card||Best grocery card with high points-earning rate|
|Target REDcard||Best card for Target grocery purchases|
|Amazon Rewards Visa Signature Credit Card||Best grocery card for Whole Foods spending|
Best card for online grocery shopping
|Capital One Walmart Rewards Card||Best card for budget grocery shopping|
Types of Grocery Credit Cards
There are many different kinds of grocery credit cards, including:
Flat-rate, cashback cards. These cards earn the same rewards rate on all spending. There are no bonus categories. Examples include the Citi® Double Cash Card and the Capital One® Quicksilver® Cash Rewards Credit Card.
Cashback cards with bonus categories. Earn a different rewards rate depending on the category of your purchase. Some cards offer bonus rewards on grocery spending. Examples include the Blue Cash Preferred® Card from American Express and the Capital One® SavorOne® Cash Rewards Credit Card.
Cards with rotating categories. Earn different rewards rates on the categories of your choice. Your bonus category options change on a quarterly basis. This means grocery spending may not be an option, so you may not earn bonuses on groceries for part of the year. Examples include Chase Freedom FlexSM and Discover it Cash Back.
Co-branded grocery store cards. Earn bonus rewards at specific grocery stores. Depending on the card, you may or may not be restricted to one grocery store chain. Examples include the Amazon Rewards Visa Signature Credit Card and Ralphs Rewards World Mastercard.
What We Considered
To make our best grocery credit cards list, we considered the following:
- Welcome bonus
- Earning potential
- Annual fee
- Unlimited vs. capped rewards
- Points value
- Rewards simplicity
- Additional benefits
The Best Grocery Credit Cards
Blue Cash Preferred® Card from American Express is the best overall grocery card and the best card with a high cashback rate for groceries. It gives 6% back on the first $6,000 you spend on groceries each year.
The PenFed Platinum Rewards Visa Signature Card is the best no-annual-fee grocery card and the best card with unlimited rewards on groceries. As long as you open a bank account with PenFed Credit Union, you can apply for PenFed Platinum Rewards. You don’t have to be affiliated with the U.S. military to qualify.
You can trade in your points for travel, gift cards or merchandise. Each PenFed point is worth $0.01 on average.
The Wells Fargo Visa Signature Card is the best grocery card with a high points-earning rate. It gives five points for every dollar spent on up to $12,500 on gas, grocery and drugstore purchases for your first six months.
Use your points for airfare, hotel stays, car rentals, cruises, cash redemptions, brand-name merchandise, gift cards and online auctions. Wells Fargo points are worth an average of $0.015 each.
The Target REDCard is the best card for grocery purchases at Target stores.
The Amazon Prime Rewards Visa Signature Card is the best card for online grocery shopping and the best card for Whole Foods grocery purchases.
The Capital One Walmart Rewards Card is the best card for Walmart grocery shoppers.
While we focused on grocery credit cards in this post, you’ll want to choose a card with additional earning potential that matches your spending behavior. For our guide on the best credit cards in other categories, check out these other posts:
If you spend a lot of your budget on groceries, you’ll want to find a credit card that rewards you for supermarket spending. Just make sure to consider cards with other bonus categories that match your spending habits so you can maximize your earnings.
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