The Best Credit Cards for Groceries

The Best Credit Cards for Groceries. When looking for the best credit cards for grocery spending, it’s essential to consider the rewards, annual fees, introductory offers, and any restrictions or limitations. As of my last update in January 2023, here are some credit cards that were known for offering solid rewards on grocery purchases:

The Best Credit Cards for Groceries

1. American Express Blue Cash Preferred Card:
   • Rewards: Typically, this card offers 6% cash back at U.S. supermarkets (on up to a certain limit, then 1% after reaching the cap). Also, it often provides cash back for other categories like gas and select streaming services.
   • Annual Fee: There usually is an annual fee, so you’d have to weigh the benefits against this cost.
2. American Express Blue Cash Everyday Card:
   • Rewards: Often, 3% cash back at U.S. supermarkets (up to a specified limit, then 1%).
   • Annual Fee: Typically, no annual fee.
3. Chase Freedom Flex:
   • Rewards: This card has rotating quarterly categories where you can earn 5% cash back (up to a limit, then 1%). Sometimes, these categories include grocery stores.
   • Annual Fee: Generally, no annual fee.
4. Bank of America Cash Rewards Credit Card:
   • Rewards: This card typically lets you choose a category (like groceries) to earn 3% cash back. Then 2% at grocery stores and wholesale clubs (up to a quarterly limit), and 1% on all other purchases.
   • Annual Fee: Usually, no annual fee.
5. Discover It Cash Back:
   • Rewards: Like the Chase Freedom Flex, this card has rotating categories where you can earn 5% cash back (up to a certain amount, then 1%). Grocery stores sometimes fall into these categories.
   • Annual Fee: Typically, no annual fee.
6. Capital One SavorOne Cash Rewards Credit Card:
   • Rewards: This card has traditionally given cash back for dining and entertainment, but sometimes offers grocery rewards as well.
   • Annual Fee: Generally, no annual fee.
7. Target REDcard:
   • Rewards: If you frequently shop at Target for groceries, this card provides a 5% discount on most purchases at Target.
   • Annual Fee: Typically, no annual fee.
8. Amazon Prime Rewards Visa Signature Card:
   • Rewards: If you’re a Prime member and frequently buy groceries from Whole Foods or Amazon Fresh, you can get 5% back on Amazon.com and Whole Foods purchases.
   • Annual Fee: No annual fee, but requires a Prime membership.
9. Citi Rewards+ Card:
   • Rewards: Typically offers 2x ThankYou points at supermarkets and gas stations for the first certain amount spent each year, then 1x points.
   • Annual Fee: Usually, no annual fee.
10. Walmart Credit Card:

• Rewards: If you frequently shop at Walmart, this card offers cash back on purchases made at Walmart, including online.

Please note that credit card offers, terms, and conditions can change over time, and it’s always a good idea to read the latest terms and conditions before applying. Also, consider how much you typically spend on groceries each month and any other benefits that might be valuable to you. Before choosing a card, ensure that it aligns with your spending habits and financial goals. If you’re considering a card with an annual fee, make sure the rewards you’ll earn outweigh the fee.

Also Checkout: The Best High Limit Credit Cards