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    18 Best Credit Cards for Groceries of 2022
    18 Best Credit Cards for Groceries of 2022

    Disclaimer: Penny Calling Penny is an affiliate website. This means that we get a small commission when you click some of the links in this article. Don’t worry – we’ll never recommend anything we wouldn’t use ourselves.

    With inflation increasing the price of items at the supermarket, many consumers are looking for ways to save money and maximize their spending. According to the BLS (Bureau of Labor Statistics), the average household spends nearly $5,000 per year on groceries. So, if you’re looking for ways to earn cash back, miles, or points on your grocery bill, having the right credit card can help. We’ve curated a list of the best credit card for groceries of 2022 for every type of consumer.

     

    Best Credit Card for Groceries of 2022

    Credit card benefits, earning rates, and annual fees change on a regular basis. Plus, your goals, preferences, and shopping habits can also change from year to year. Even if you have a credit card that has worked well in the past, that doesn’t mean that it is the right card going forward. Let’s have a glance at the best credit card for groceries based on what’s important to you.

     

    1. Highest Introductory Rewards: Marriott Bonvoy Boundless

    • Annual fee: $95
    • Welcome bonus: Three free night awards after spending $3,000 within three months
    • Grocery store rewards: 10x points on the first $2,500 during the first six months

    The highest rewards on a grocery credit card can often be found during the first year. With the help of Marriott Bonvoy Boundless credit card, new cardholders can earn 10 points per dollar spent on grocery store purchases. This promotional bonus is limited to the first $2,500 you spend during the first six months after opening the card. After the initial promo, you’ll continue to earn two points per dollar on all purchases, including on groceries.

    On top of that, you’ll receive three free night awards after splurging $3,000 within the first three months. These free nights can be used at any Marriott hotel valued up to 50,000 points each. The card also includes automatic Silver Elite status and one free night (up to 35,000 points) each year that you renew and pay the $95 annual fee. 

    2. Best Rotating Bonus: Citi Custom Cash Card

    • Annual fee: $0
    • Welcome bonus: $200 after spending $750 within three months
    • Grocery store rewards: Up to 5% cash back

    Some credit cards offer high spending bonuses on rotating categories. The Citi Custom Cash Card grants access to its cardholders, earning up to 5% cash back automatically on the category they spend the most each billing cycle. There’s no pre-registration, and you don’t have to select a category each month ahead of time. With this card, you’ll receive 5% on the first $500 you spend on the eligible categories, such as groceries, dining, gas, and drugstores. If you reach the upper limit of these monthly bonuses, you’ll receive $300 in cash back each year.

    Every other purchase earns an unlimited 1% cash back. Plus, you’ll receive $200 cash back after spending $750 within three months of opening your account. And there’s a 0% annual fee; hence, all of the money you earn is yours to keep. Learn more about the Citi Custom Cash Card

    3. Highest Ongoing Rewards: Blue Cash Preferred Card

    • Annual fee: $95 (waived the first year)
    • Welcome bonus: $300 after spending $3,000 within six months
    • Grocery store rewards: 6% on the first $6,000 each year

    Promotional offers are appealing, but the best credit card for groceries is often the one that has the highest ongoing rewards. The Blue Cash Preferred Card from American Express helps make you earn 6% on the first $6,000 in purchases at U.S. supermarkets each year. That’s $360 in potential cash back from your grocery shopping.

    Additionally, this card earns 6% on select U.S. streaming services and 3% on transit and at U.S. gas stations. All other purchases earn 1% cash back. When you are approved, you’ll receive a $300 statement credit after you spend $3,000 within the first six months of your account being open. Additionally, there’s a 0% introductory APR on every purchase for the first 12 months. There’s an annual fee of $95, but not to worry, as it’s waived the first year, so you can try out the card’s benefits.

    4. Cash Back With No Annual Fee: Capital One SavorOne

    • Annual fee: $0
    • Welcome bonus: $200 after spending $500 within three months
    • Grocery store rewards: Unlimited 3%

    If you want the best cash back credit card for groceries, it is hard to beat the Capital One SavorOne Rewards Card. It also offers an unlimited 3% cash back on groceries, dining, entertainment, and various other popular streaming services. For a time being,ss on tickets, you can also earn 8 percent cash back at Vivid Seats. Every other purchase get 1% cash back.

    The card includes a one-time $200 cash bonus after spending $500 during the first three months of your account opening. Moreover, the card has a 0% introductory APR on purchases and balance transfers for 18 months. There’s 0% annual fee, but it does require excellent credit. 

    5. Best for Travel Rewards: Citi Premier

    • Annual fee: $95
    • Welcome bonus: 60,000 points after spending $4,000 within three months
    • Grocery store rewards: Unlimited 3x points

    The Citi Premier Credit Card is our preferred best travel reward credit card for groceries. With this card, you’ll earn unlimited 3x points at supermarkets, restaurants, gas, air travel, and hotels. All other purchases earn 1x points. As a new cardholder, you qualify to earn 60,000 bonus points when you spend $4,000 in the first three months. The card has a $95 annual fee, but you get an annual $100 discount on hotel stays of $500 or more booked through ThankYou.com. 

    The Chase Sapphire Preferred is another good choice because it offers unlimited three points per dollar on grocery purchases. However, Target, Walmart, and wholesale clubs are excluded. Chase also has the 5/24 Rule, which can be restrictive to some applicants.

    6. Best for Hotel Points: Hilton Honors Surpass

    • Annual fee: $95
    • Welcome bonus: 150,000 points after spending $2,000 within three months, plus 50,000 points after spending a total of $10,000 in six months
    • Grocery store rewards: Unlimited 6x points

    For grocery shoppers looking to score free hotel stays with their purchases, the Hilton Honors American Express Surpass Card is for you. With the help of this card, you can earn an unlimited six points per dollar at U.S. supermarkets. Plus, you’ll earn six points per dollar at U.S. restaurants for those nights when you don’t feel like cooking.

    The card has automatic Hilton Honors Gold elite status to earn Diamond elite status when you spend $40,000 in a calendar year. You’ll also receive a free weekend night that can be used at almost any Hilton property when you spend $15,000 each year. Plus, new cardholders can earn up to 200,000 bonus points. The first 150,000 is earned after spending $2,000 within three months and an additional 50,000 after you spend a total of $10,000 in the first six months. There is a $95 annual fee, but there is 0% charge for adding authorized users. Learn more about the Hilton Honors Surpass Card.

    7. Best for Airline Miles: Advantage MileUp Card

    • Annual fee: $0
    • Welcome bonus: 10,000 miles and $50 statement credit after you spend $500 within three months
    • Grocery store rewards: Unlimited 2x miles

    There are several candidates for the best airline miles credit card for groceries. The “right” choice for you may depend on which airline you favor the most – American Airlines, Delta Air Lines, or JetBlue Airlines. Our choice is the American Airlines AAdvantage MileUp Card because it offers a welcome bonus of 10,000 miles and a $50 statement credit when you make just $500 in purchases during the first three months.

    The MileUp Card earns two miles per dollar at grocery stores and with grocery delivery services. Plus, it earns two miles on American Airlines purchases and one mile per dollar everywhere else. And it offers all of these benefits without charging an annual fee. See rates and fees for more information.

    8. Best for International Flights: Aeroplan Card

    • Annual fee: $95
    • Welcome bonus: Two flight rewards after spending $4,000 within three months
    • Grocery store rewards: Unlimited 3x points

    For international travelers, you’ll earn a lot of miles on your grocery purchases with the Aeroplan Card from Chase. This card earns three points per dollar at dining, grocery stores, and Air Canada purchases, and every other purchase earns one mile per dollar. As a new cardholder, you can earn two welcome flight rewards worth up to a value of 100,000 points after spending $4,000 in the first three months. You’ll receive an extra 500 bonus points for every $2,000 you spend each month.

    The Aeroplan Card provides new cardholders with Air Canada 25K elite status through the end of next year and the ability to maintain status when you spend $15,000 each year. Air Canada provides great redemption opportunities with United Airlines and other Star Alliance members. There’s a $95 annual fee. Learn more about the Aeroplan Card.

    9. Best for Cash Back for High Deposit Balances: Bank of America Customized Cash Rewards

    • Annual fee: $0
    • Welcome bonus: $200 after spending $1,000 within 90 days
    • Grocery store rewards: Up to 3.5% on first $2,500 in combined spending each quarter (with top-tier Preferred Rewards)

    Consumers with large bank or investment balances can really benefit from the Bank of America® Customized Cash Rewards. The card earns a standard 3% on your favorite category and 2% on grocery stores and wholesale clubs (up to $2,500 spent each quarter). However, based on your balances with Bank of America and its affiliates, you can earn up to 75% more cash back. That means you’ll earn up to 3.5% cash back on groceries and 5.25% on your category of choice.

    Additionally, there is a $200 cash rewards offer for new cardholders when they spend at least $1,000 within 90 days of opening their account. A 0% introductory APR for 15 months is also available for purchases, as well as, balance transfers. See rates and fees on the Bank of America® Customized Cash Rewards credit card.

    10. Best for Big Grocery Budgets: American Express Gold

    • Annual fee: $250
    • Sign up/Welcome bonus: 60,000 points after you spend $4,000 within three months of your account is open.
    • Grocery store rewards: 4x points on the first $25,000 each year

    For households that have big grocery bills each month, you’ll maximize your rewards with the American Express Gold Card. It is the best credit card for groceries based on its ability to earn four points per dollar on the first $25,000 you spend each year. To max out this bonus category, you’d need to spend an average of more than $2,000 per month at U.S. grocery stores. The bank is offering 60,000 bonus points to new cardholders that spend $4,000 in the first three months.

    Additionally, the card earns an unlimited four points per dollar on dining and three points on every dollar on flights booked directly or through Amex Travel. Every other purchase earns one point per dollar. There is a $250 annual fee, but you receive $120 in Uber credits and $120 in dining credits each year.

    11. Best for Frequent Purchases: Amex EveryDay Preferred

    • Annual fee: $95
    • Welcome bonus: 15,000 points after you spend $1,000 within three months
    • Grocery store rewards: 3x points on first $6,000 each year (4.5x with 50% bonus)

    If you make a lot of purchases with your credit card each month, the Amex EveryDay Preferred Credit Card will reward you. You’ll receive three points on every dollar on the first $6,000 you spend at U.S. supermarkets each year. Plus, you’ll earn two points per dollar at the U.S. gas stations and one point on every dollar everywhere else. Every billing cycle that you make at least 30 purchases, you’ll receive a bonus of 50% on the points you earned. This means that you’ll receive up to 4.5 points per dollar on groceries when you qualify for the bonus.

    When you’re approved for the Amex EveryDay Preferred Card, you can earn 15,000 points after spending $1,000 in the first three months. Additionally, you qualify for a 0% intro APR on purchases for the first 12 months. There’s a $95 annual fee but the bonus points are worth it for many households.

    12. Best for Online Grocery Shopping and Whole Foods: Amazon Prime Rewards

    • Annual fee: $0 (mandatory to be an Amazon Prime Member)
    • Welcome bonus: $100 Amazon instant credit upon approval
    • Grocery store rewards: Unlimited 5% at Amazon and Whole Foods

    For people that like to do their grocery shopping online at Amazon.com or in-person at Whole Foods, the Amazon Prime Rewards Visa Signature Card is an excellent choice. It earns an unlimited 5% back at Amazon and Whole Foods that can be used towards future purchases. Select products on Amazon qualify for 10% back for a limited time. Additionally, you’ll receive 2% cash back at gas stations, drugstores, restaurants, plus 1% everywhere else.

    When you’re approved for the Amazon Prime Rewards card, you’ll receive an instant gift of $100 that’s loaded into your Amazon account. The card has a 0% annual fee, but you must be an Amazon Prime member to qualify.

    13. Best for Walmart: Capital One Walmart Rewards Card

    • Annual fee: $0
    • Welcome bonus: 5% cash back in-store for the first 12 months
    • Grocery store rewards: Unlimited 5% cash back at Walmart.com and 2% in-store

    Grocery shoppers that love to shop at Walmart will love the Capital One Walmart Rewards Card. It earns 5% cash back at Walmart.com, including orders that you pick up in-store or have delivered. The card also offers 2% cash back on purchases at Walmart stores and affiliated fuel stations, dining, and travel. All other purchases earn 1% cash back.

    For a limited time, your in-store cash back increases from 2% to 5% when you use WalmartPay on your mobile device to check out. This offer is good for the first 12 months after your account opening. There is a 0% annual fee, so all of the cash back you earn is yours. 

    14. Best for Wholesale Clubs: Costco Anywhere Visa

    • Annual fee: $0 (must be a Costco member)
    • Welcome bonus: None
    • Grocery store rewards: Unlimited 2% at Costco stores and Costco.com

    Wholesale clubs are a great opportunity to save money on your grocery bill by buying in bulk. While most grocery store credit cards don’t offer high rewards at wholesale clubs, the Costco Anywhere Visa Credit Card by Citi does. With this card, you’ll earn 2% on all purchases at Costco in-store and online. Plus, you get 4% cash back on the first $7,000 you spend on gas, including at Costco. You’ll also receive 3% cash back on eligible travel purchases, dining and 1% on everything else.

    There is a 0% annual fee for the Costco Anywhere Visa card, but it’s necessary to be a Costco member if you want to apply for it. You can even use the card as your Costco membership ID card when visiting the store in person.

    15. Best credit or debit card for groceries: Target RedCard

    • Annual fee: $0
    • Welcome bonus: None
    • Grocery store rewards: Unlimited 5% discount

    Not everyone is ready to get the best credit card for groceries, so there is a debit card option as well. The Target RedCard is available as both a debit and a credit card. Cardholders receive 5% off all in-store or online purchases and free shipping at Target.com. The 5% discount also applies to clearance items, top deals of the week, in-store Starbucks purchases, and specialty gift cards.

    Target also offers cardholder exclusives that are not available to the public, like special items and offers. As a cardholder, you also receive an additional 30 days for every return and exchange. Whether you choose a debit or credit card, both have 0% annual fee

    16. Best for Students: Bank of America Customized Cash Rewards for Students

    • Annual fee: $0
    • Welcome bonus: $200 after spending $1,000 within 90 days
    • Grocery store rewards: 2% on first $2,500 in combined spending each quarter

    Students often deal with a limited budget since they’re focused on passing their classes instead of working longer hours. One of the best ways to give your budget a boost is to earn additional cash back on your purchases. The Bank of America® Customized Cash Rewards for Students earns up to 3% on the first $2,500 your spend in eligible categories. The bonus rewards are capped on your combined purchases on the category of your choice (3% cash back) and groceries and wholesale clubs (2%). All other purchases earn 1% cash back.

    New cardholders can receive a bonus of $200 after making $1,000 in purchases during the first 90 days. The card also includes a free FICO score so students can monitor their score as they build a solid financial foundation. There is a 0% annual fee, so all of the cash earned from the card is yours.

    17. Best Secured Card: U.S. Bank Altitude Go Visa Secured

    • Annual fee: $0
    • Welcome bonus: None
    • Grocery store rewards: Unlimited 2x points

    People who are just starting out with credit cards often use secured credit cards to build a good payment history. The U.S. Bank Altitude Go Visa Secured Credit Card can help you build credit while earning valuable rewards on your supermarket and other purchases. The limit of your credit score is determined by your deposit and ranges between $300-$5,000.

    The card earns two points per dollar spent on grocery delivery. groceries, streaming, and EV charging, and gas  stations. It earns four points per dollar on dining and one point per dollar on every other purchase. Plus, cardholders get a $15 annual credit for streaming purchases like Netflix or Spotify. Unlike some other secured cards, there is a 0% annual fee with this card. 

    18. Best for Rebuilding Credit: OpenSky Secured Visa

    • Annual fee: $35
    • Welcome bonus: None
    • Grocery store rewards: None

    If you’ve had trouble in the past with your credit score, you can still qualify for a credit card. The OpenSky Secured Visa Credit Card is meant for people who are improving or rebuilding their credit scores. Your credit limit is based on your refundable deposit, as low as $200 and as high as $3,000. These credit limits are enough to buy groceries for most households each week or to take care of an unexpected bill. With responsible use of the card, you may be eligible for an increase from OpenSky.

    The OpenSky Secured Visa Credit Card reports monthly to all three credit bureaus, so it is an effective way to build your credit with positive behaviors. Best of all, there is no credit check when you apply, so there is no impact on your credit score. While there is an annual fee of $35, there are no application, processing, or monthly maintenance fees that some secured cards charge. 

    How to Save Money on Groceries with Your Credit Cards?

    Now that you have the best credit card for groceries based on your preferences, here are a few ways to maximize the savings on your grocery bill.

    Compare Unit Prices

    While we often believe that the biggest package has the best price, that isn’t always true. Most grocery stores list the unit price in small print next to the actual price of the item. When there are various sizes of the same item, compare the unit prices of each size. Many times the smaller box will have the lower unit price and offer the best savings.

    Buy Generic or Store-Brand

    For many items that you buy at grocery stores, there is very little difference between the brand name and the generic or store-brand version. Brand-name goods often cost more because of all the advertising the companies must pay to promote their items and get them in stores. When the generic or store-brand is just as good, you can save a lot of money on your grocery bill by skipping the brand name.

    Sign up for the Grocery Store’s Loyalty Program

    Grocery store loyalty programs make it easier for grocery shoppers to save money on their purchases. While most supermarkets don’t have a card that makes our list of the best credit card for groceries, they do offer exclusive discounts to members without having to clip coupons. Some grocery stores increase the savings with additional coupons that you can load to your loyalty card through their site or mobile app. This way, you can virtually clip the coupon without having to remember to bring the coupons with you on your trip to the store.

    Grocery Coupons With the ibotta App

    Coupon clipping can be a time-consuming and tedious process, which is why most consumers skip coupons. The ibotta app makes clipping coupons quick and easy, plus its savings stack on top of everything else. If you’re shopping with the best grocery store credit card, you’ll earn those rewards, cash back from ibotta, and save with any other coupons you may have. That’s a triple opportunity to save money. Start earning now with the ibotta app.

    Sign up for Fetch Rewards

    With Fetch Rewards, you’ll earn points when you purchase items from hundreds of participating brands. These brands cover every aspect of your grocery shopping, and popular brand names include Huggies, Duncan Hines, Gatorade, Cheerios, and Lysol. Every time you earn a minimum of 25 points when you submit a receipt from the supermarket, pet store, gas station, and more. Points are based on the final price that you pay for participating brands. Get started with Fetch Rewards.

    Curbside Pickup at the Store

    Time is money, so don’t waste time wandering through the grocery store aisles searching for the items you want to buy. Instead, order your groceries online or through the grocery store app and have them do the shopping for you. This will not only save a lot of your time, but you’ll avoid those impulse purchases that really add up. Then schedule to pick up your groceries at a time that’s convenient to you (like on your way home from work) and you’ll be much happier.

    Grocery Delivery Services

    If you’re stuck at home or don’t want to drive by the store, have your groceries delivered to your home instead. You’ll get all of the items you want, but without the hassle or time wasted driving to the store. This is a terrific option for parents with young kids at home, busy professionals, and seniors or disabled consumers who could use extra help.

    Order in Bulk

    When you buy in bulk, you’re often able to get a lower price on the items you buy the most. Buying in bulk eliminates the extra packaging of smaller units and allows retailers to sell larger quantities at once. Those savings are passed onto the consumer with lower prices per unit. Just make sure that you’ll actually use everything that you buy. Otherwise, whatever savings you had is lost when you throw away unused or spoiled items.

    Shop Office Supply Stores

    You may not think that office supplies and groceries have much in common, but office supply stores like Staples actually carry many household items. You can order a bulk of your favorite brands of paper towels, toilet paper, coffee, and more at competitive prices. Office supply store websites also carry a wider variety of goods than physical stores. Plus, you can save money through free shipping (minimum orders may apply) and by earning rewards through their loyalty programs.

    Comparison of the Best Credit Card for Groceries of 2022

    Grocery shoppers have many choices when choosing the best credit card for groceries. Each card offers unique benefits, rewards for grocery store purchases, and annual fees. To make it easier to compare, this table provides a summary of each grocery credit card.

     

    Annual Fee

    Welcome Bonus

    Grocery Store Rewards

    Highest introductory rewards: Marriott Bonvoy Boundless

    $95

    Three free night awards after spending $3,000 within three months

    10x points on the first $2,500 during the first six months

    Best rotating bonus: Citi Custom Cash Card

    $0

    $200 after spending $750 within three months

    Up to 5% cash back

    Highest ongoing rewards: Blue Cash Preferred Card

    $95 (waived the first year)

    $300 after spending $3,000 within six months

    6% on the first $6,000 each year

    Cash back with no annual fee: Capital One SavorOne

    $0

    $200 after spending $500 within three months

    Unlimited 3%

    Best for travel rewards: Citi Premier

    $95

    60,000 points after spending $4,000 within three months

    Unlimited 3x points

    Best for hotel points: Hilton Honors Surpass

    $95

    150,000 points after spending $2,000 within three months, plus 50,000 points after spending a total of $10,000 in six months

    Unlimited 6x points

    Best for airline miles: AAdvantage MileUp Card

    $0

    10,000 miles and $50 statement credit after spending $500 within three months

    Unlimited 2x miles

    Best for international flights: Aeroplan Card

    $95

    Two flight rewards after spending $4,000 within three months

    Unlimited 3x points

    Best for cash back for high deposit balances: Bank of America Customized Cash Rewards

    $0

    $200 after spending $1,000 within 90 days

    Up to 3.5% on first $2,500 in combined spending each quarter (with top-tier Preferred Rewards)

    Best for big grocery budgets: American Express Gold

    $250

    60,000 points after spending $4,000 within three months

    4x points on the first $25,000 each year

    Best for frequent purchases: Amex EveryDay Preferred

    $95

    15,000 points after spending $1,000 within three months

    3x points on first $6,000 each year (4.5x with 50% bonus)

    Best for online grocery shopping and Whole Foods: Amazon Prime Rewards

    $0 (must be Amazon Prime Member)

    $100 Amazon instant credit upon approval

    Unlimited 5% at Amazon and Whole Foods

    Best for Walmart: Capital One Walmart Rewards Card

    $0

    5% cash back in-store for the first 12 months

    Unlimited 5% cash back at Walmart.com and 2% in-store

    Best for wholesale clubs: Costco Anywhere Visa

    $0 (must be a Costco member)

    None

    Unlimited 2% at Costco stores and Costco.com

    Best credit or debit card for groceries: Target RedCard

    $0

    None

    Unlimited 5% discount

    Best for students: Bank of America Customized Cash Rewards for Students

    $0

    $200 after spending $1,000 within 90 days

    2% on first $2,500 in combined spending each quarter

    Best secured card: U.S. Bank Altitude Go Visa Secured

    $0

    None

    Unlimited 2x points

    Best for rebuilding credit: OpenSky Secured Visa

    $35

    None

    None

    The Bottom Line

    No matter where or how you like to shop, there is a best credit card for groceries that fits your lifestyle. Our choices for the best grocery credit cards focus on the ability to earn rewards for your spending, benefits and perks, annual fees, and the potential for a welcome bonus. When you maximize the rewards on your cards, it’s possible to earn hundreds of dollars in cash back or valuable airline miles and hotel points that can help you go on a fabulous vacation.

    Keep in mind that some of these credit cards require Good to Excellent credit. If you’re unsure about your credit, get your credit score for free from CreditSesame. You can also sign up for Experian Boost to increase your score to qualify for the best supermarket credit card that fits your lifestyle. It uses non-traditional payment information to improve credit scores by an average of 16 points.

     

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