18 Best Credit Cards For Groceries Of 2024

Lee Huffman
December 10, 2023
18 Best Credit Cards for Groceries of 2024
18 Best Credit Cards for Groceries of 2024

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 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 2024 for every type of consumer.

Best Credit Cards For Groceries Of 2024

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® credit card

Why we like it:

Annual Fees

21.49% to 28.49% (Variable)

Regular APR

$95

Credit Required

Good to Excellent (670 – 850)

Annual Fees

21.49% to 28.49% (Variable)

Regular APR

$95

Credit Required

Good to Excellent (670 – 850)

Why we like it:

  1. No foreign transaction fees for seamless international use.
  2. Annual Free Night Award and Elite Night Credits enhance cardholder benefits within the Marriott Bonvoy program.

Pros

  • Lucrative rewards structure, especially for frequent Marriott guests.
  • Valuable Elite Status perks and a clear path to Gold Status.
  • The Free Night Award offsets the annual fee, making it a cost-effective choice.

Cons

  • The $95 annual fee might be a deterrent for infrequent travelers.
  • Limited appeal for those not regularly staying at Marriott properties.

2. Best Rotating Bonus: Citi Custom Cash® Card

Why we like it:

Annual Fees

annual_fees

Regular APR

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Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. Automated 5% Cash Back adjusts rewards based on spending habits each billing cycle without manual activation. 
  2. Diverse Bonus Categories offer flexibility with 10 fixed bonus categories, catering to various spending patterns. 
  3. Balance Transfer Fee is $5 or 5% of the transfer amount, whichever is greater. 
  4. Rewards Redemption allows ThankYou Points to be redeemed for cash back, gift cards, travel, or Amazon.com purchases.

Pros

  • $0 annual fee.
  • Automated 5% cash back adjustment based on spending habits.
  • Diverse bonus categories for increased earning potential.
  • Generous introductory offer with a lengthy 0% intro APR period.

Cons

  • $500 cap on 5% cash back rewards may limit high spenders.
  • The automated system may not appeal to users who prefer manual control over bonus category activation.

3. Highest Ongoing Rewards: Blue Cash Preferred® Card

card_name

(Terms Apply – Rate and Fees)

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. Earn a $250 statement credit after spending $3,000 in purchases on your new Card within the first 6 months.
  2. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments.
  3. Up to $120 in statement credits annually for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card.
  4. $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

Pros

  • Exceptional cash-back rates on groceries, streaming, and transit.
  • Lucrative welcome bonus and ongoing statement credits for specific subscriptions.
  • 0% intro APR period for the first 12 months.

Cons

  • Annual fee of $95 after the first year may be a deterrent for some.
  • Supermarket rewards limited to U.S. supermarkets, excluding certain retailers.

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

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. Earn 8% cash back on Capital One Entertainment purchases, expanding the card's appeal to frequent entertainment enthusiasts.
  2.  Enjoy unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, offering savings for travel enthusiasts.
  3.  Earn 10% cash back on purchases made through Uber & Uber Eats, along with complimentary Uber One membership statement credits through 11/14/2024, providing extra value for frequent users of these services.

Pros

  • Lucrative cash back rewards on multiple categories.
  • No annual fee, providing cost savings for cardholders.
  • Broad definitions of “dining” and “entertainment” for enhanced rewards.

Cons

  • Variable APR might be higher for those with lower credit scores.
  • Introductory APR on balance transfers incurs a 3% fee.

5. Best For Travel Rewards: Citi Premier® Card

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. The card features a $100 annual hotel savings benefit, providing an extra perk for travelers.
  2. No foreign transaction fees make it a suitable companion for international trips.
  3. The ongoing APR is in line with industry standards.

Pros

  • Strong rewards structure, particularly in essential spending categories.
  • Versatile redemption options, including the potential for high-value transfers to international travel partners.
  • Generous sign-up bonus and annual hotel savings benefit.

Cons

  • The card falls short compared to competitors when it comes to the value of points for travel redemption.
  • Limited domestic transfer partners, which may not suit those focused on domestic travel.

6. Best For Hotel Points: Hilton Honors American Express Surpass® Card

card_name

(Terms Apply – Rate and Fees)

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. 170,000 Hilton Honors Bonus Points after $3,000 spend in the first 6 months.
  2. 12X points on Hilton purchases, 6X points on U.S. restaurants, supermarkets, and gas stations, 4X points on U.S. online retail purchases, 3X points on all other eligible purchases.
  3. Weekend night reward, National Car Rental Emerald Club Executive status.
  4. $200 back on eligible Hilton purchases annually.

Pros

  • Generous Welcome Offer
  • Robust Ongoing Rewards
  • Automatic Elite Status

Cons

  • Higher Annual Fee
  • No Automatic Free Night

7. Best For Airline Miles: AAdvantage® MileUp®

Why we like it:

Annual Fees

$0

Regular APR

21.24% – 29.99% variable

Credit Required

Good – Excellent (690-850)

Annual Fees

$0

Regular APR

21.24% – 29.99% variable

Credit Required

Good – Excellent (690-850)

Why we like it:

  1. Earn 15,000 American Airlines AAdvantage® bonus miles after spending $500 in the first 3 months.
  2. Accumulate 1 loyalty point for every eligible AAdvantage® mile, contributing to AAdvantage loyalty status.
  3. Be mindful of the 3% foreign transaction fee, especially if you frequently make international purchases.

Pros

  • No annual fee.
  • Bonus rewards on grocery spending.
  • In-flight savings on food and beverages.
  • Opportunity to earn AAdvantage® loyalty status through credit card spending.

Cons

  • Variable APR may be on the higher side for some users.
  • Limited travel perks compared to premium airline cards.

8. Best For International Flights: Chase Aeroplan® Credit Card

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. Ongoing APR ranges from 21.74% to 28.74%, offering flexibility.
  2. No foreign transaction fee for hassle-free international purchases.
  3. Balance transfer fee: $5 or 5% of the transfer amount, whichever is greater.
  4. Automatic 25K Status provides priority check-in, boarding, and potential upgrades.
  5. Status Boost and Redemption Benefits available with increased spending.
  6. Free checked bag benefit extends to the cardholder and up to nine others.
  7.  Pay Yourself Back feature allows redemption for statement credit on various travel purchases.
  8. Travel protection benefits include rental collision damage waiver, trip insurance, baggage delay coverage, trip delay reimbursement, and roadside assistance.

Pros

  • Generous sign-up bonus.
  • Versatile rewards program for everyday spending.
  • Automatic elite status for new cardholders.
  • Opportunity for additional bonus points with increased spending.
  • Free checked bag benefit and various travel protection benefits.
  • Pay Yourself Back feature for flexible point redemption.

Cons

  • Annual fee of $95.
  • Spending requirements for certain perks may be challenging for some.

9. Best For Cash Back For High Deposit Balances: Bank of America® Customized Cash Rewards credit card

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. $200 online cash rewards bonus after spending $1,000 in the first 90 days.
  2. Expanded categories include 3% cash back on gas (including EV charging) and online shopping (including cable, streaming, internet, and phone services).
  3. No minimum redemption requirement for cash rewards into a Bank of America® account or statement credit.
  4. Spending caps apply to bonus categories, limiting 3% and 2% cash back to the first $2,500 in combined quarterly purchases.

Pros

  • No annual fee.
  • Flexible 3% cash back category.
  • Introductory 0% APR on purchases and balance transfers.
  • Contactless card for added security.

Cons

  • Bonus category spending caps may limit rewards for high spenders.

10. Best For Big Grocery Budgets: American Express® Gold Card

card_name

(Terms Apply – Rate and Fees)

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. Earn 60,000 Membership Rewards® Points for spending $6,000 in the first 6 months.
  2. Metal Card for a premium feel.
  3. $120 annual dining credit for select partners.
  4. Up to $120 Uber Cash annually.
  5. Transferable points to various loyalty programs.
  6. $250 annual fee (offset by $240 worth of benefits)

Pros

  • Rich rewards structure tailored for foodies and travelers.
  • Valuable annual credits that can offset the majority of the annual fee.
  • Points transferability to various loyalty programs.

Cons

  • High annual fee, making it less attractive for frugal spenders.
  • Monthly credits for dining and Uber Cash may not be fully utilized by all cardholders

11. Best For Frequent Purchases: Amex EveryDay® Preferred Credit Card

Amex-EveryDay-Preferred

(Terms Apply – Rate and Fees)

Why we like it:

Annual Fees

$0

Regular APR

21.24% – 29.99% variable

Credit Required

Good – Excellent (690-850)

Annual Fees

$0

Regular APR

21.24% – 29.99% variable

Credit Required

Good – Excellent (690-850)

Why we like it:

  1. 3 points per dollar at U.S. supermarkets (up to $6,000/yr, then 1 point), ideal for $6,692 annual grocery spend.
  2. 50% bonus points after 30+ transactions in a billing period, enhancing grocery rewards.
  3. Flexible options, including travel bookings, loyalty program transfers, gift cards, and using points for charges.
  4. Car rental loss and damage insurance.
  5. Pay It Plan It for alternate payment methods.
  6. Global Assist Hotline for emergency assistance.

Pros

  • Strong rewards on groceries and gas.
  • 50% bonus rewards for frequent card use.
  • Versatile redemption options.
  • Welcome bonus for new cardholders.
  • Valuable additional benefits.

Cons

  • $95 annual fee.

12. Best For Online Grocery Shopping And Whole Foods: Prime Visa

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. No foreign transaction fees ensure cost-free international transactions.  
  2.  Travel and shopping protections offer added security and benefits.
  3.  Visa Signature concierge service provides convenient assistance with reservations and travel arrangements.
  4.  Access to the Luxury Hotel Collection grants exclusive privileges when booking stays at select luxury hotels.

Pros

  • High ongoing rewards, especially for Amazon.com and Whole Foods Market purchases.
  • Rewards flexibility with various redemption options.
  • Packed with extras, including travel and shopping protections.
  • No foreign transaction fees, making it suitable for international use

Cons

  • Requires an Amazon Prime membership, which adds to the effective cost.
  • The APR range is relatively high for those carrying a balance.

13. Best For Walmart: Capital One Walmart Rewards® Card

Why we like it:

Annual Fees

$0 (No annual credit card fee)

Regular APR

19.49% to 27.49%

Credit Required

Good -Excellent (690-850)

Annual Fees

$0 (No annual credit card fee)

Regular APR

19.49% to 27.49%

Credit Required

Good – Excellent (690-850)

Why we like it:

  1. Instant credit access upon approval, allowing you to use your card immediately.
  2. Card lock feature for added security if your card is misplaced.
  3. Account alerts via email or text to keep you informed about your account activity.
  4. Virtual numbers for shopping, adding an extra layer of security for online transactions.
  5. Flexible payment options, including choosing your monthly due date and the ability to pay in person at Walmart stores. Note that in-store payments may not be credited the same day.

Pros

  • No annual fee.
  • High ongoing rewards, especially for Walmart shoppers.
  • Flexible redemption options with no minimum amount.
  • Travel-friendly with no foreign transaction fees.

Cons

  • Rewards system heavily focused on Walmart purchases.
  • Limited upfront perks for non-Walmart shoppers.

14. Best For Wholesale Clubs: Costco Anywhere Visa® Card by Citi

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. No sign-up bonus or introductory APR, but the ongoing rewards structure makes up for it.
  2. Additional benefits include no foreign transaction fees, travel and emergency assistance, and worldwide travel accident insurance.
  3. Consider the cost of a Costco membership when evaluating the overall value of the card.

Pros

  • No annual fee for the card itself.
  • Versatile rewards program covering gas, dining, travel, and Costco purchases.
  • No foreign transaction fees, making it an excellent travel companion.

Cons

  • Requires a Costco membership, which comes with an additional annual fee.
  • Rewards for Costco purchases may not be as competitive as other options

15. Best Credit For Groceries: Target RedCard™

Why we like it:

Annual Fees

$0

Regular APR

27.90% Variable

Credit Required

Good -Excellent (670-850)

Annual Fees

$0

Regular APR

27.90% Variable

Credit Required

Good -Excellent (670-850)

Why we like it:

  1. Exclusive offers and early access to promotions for cardholders.  
  2. Extended return period of an extra 30 days, providing flexibility for returns and exchanges.
  3.  Free shipping benefit, eliminating the usual minimum order requirement for Target REDcard™ Credit Card users.

Pros

  • Generous 5% discount on eligible Target purchases, including select gift cards, offering substantial savings for frequent Target shoppers.
  • No annual fee, making the card accessible and cost-effective for budget-conscious consumers.

Cons

  • High variable APR of 29.95%, less suitable for individuals carrying balances, emphasizing responsible use.
  • Limited rewards outside Target, with 2% cashback on dining and gas, but only 1% cashback for non-Target spending, making it less competitive for broader spending categories.

16. Best For Students: Bank of America® Customized Cash Rewards Credit Card for Students

Why we like it:

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Annual Fees

annual_fees

Regular APR

reg_apr,reg_apr_type

Credit Required

credit_score_needed

Why we like it:

  1. The 2% cash back at grocery stores and wholesale clubs, up to $2,500 in combined quarterly purchases, is a significant benefit for those who prioritize grocery spending.
  2. The card caters to students, offering a path to building credit responsibly, a crucial aspect for future financial endeavors.
  3. For the nerdy savers, being a Bank of America Preferred Rewards® member can boost cash back by 25% to 75%, depending on your membership tier.

Pros

  • $0 annual fee.
  • Competitive cash back rates on groceries and selected categories.
  • Lucrative sign-up bonus.
  • Flexible redemption options.
  • Introductory 0% APR for the first 15 billing cycles.

Cons

  • Quarterly spending limit on bonus categories.
  • Requires good to excellent credit for eligibility.

17. Best Secured Card: U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD

Why we like it:

Annual Fees

$0

Regular APR

18.24%-29.24% Variable APR

Credit Required

720 – 850 (Excellent)

Annual Fees

$0

Regular APR

18.24%-29.24% Variable APR

Credit Required

720 – 850 (Excellent)

Why we like it:

  1. No Annual Fee - Enjoy rewards without worrying about yearly costs.
  2. Foreign Transaction Fee Waiver - Ideal for international use with no foreign transaction fees and widespread Visa Signature acceptance.
  3. Introductory APR Benefits - Benefit from a 0% intro APR on purchases and balance transfers for the first 12 billing cycles.
  4. Streaming Services Credit - Get a $15 annual credit for eligible streaming services, adding extra value.
  5. Healthy Bonus - Earn an enticing 20,000 bonus points (equivalent to $200) for qualifying initial purchases within the first 90 days.

Pros

  • No annual fee.
  • Competitive rewards on dining and grocery purchases.
  • Sustainability initiative with recycled plastic.
  • 0% intro APR for the first 12 billing cycles.
  • Streamlined $15 annual credit for eligible streaming services.

Cons

  • No bonus rewards for entertainment spending.
  • Higher variable APR for those with lower credit scores.
  • Limited international acceptance of the Altitude® Go Visa Signature® Card compared to some other cards.

18. Best For Rebuilding Credit: OpenSky® Secured Visa® Credit Card

Why we like it:

Annual Fees

$35

APR

For Purchases: 25.64% (variable) & for Cash Advances: 25.64% (variable)

Credit Required

No credit (or variations: bad credit, no credit check)

Annual Fees

$35

Regular APR

For Purchases: 25.64% (variable) & for Cash Advances: 25.64% (variable)

Credit Required

No credit (or variations: bad credit, no credit check)

Why we like it:

  1. Security Deposit ranges from $200 to $3,000, offering flexibility with installment payments within a 60-day window.  
  2. Foreign Transaction Fee is 3%, a factor to consider for individuals frequently engaging in international transactions.
  3. Cash Advance Fee is 5% of the advance amount, with a minimum fee of $6.
  4. Credit Reporting includes reporting to all three major credit bureaus (Experian, Equifax, and TransUnion), positively contributing to credit history.

Pros

  • Accessibility for those with poor credit or no bank account.
  • Flexible payment options for the security deposit.
  • Credit-building potential with reporting to all major credit bureaus.

Cons

  • $35 annual fee, unlike many other secured cards.
  • No rewards program to offset the annual fee.
  • Limited appeal for those seeking rewards or perks beyond credit building.

What Are Grocery Store Credit Cards?

Grocery store credit cards are specialized credit cards that provide unique benefits and rewards specifically tailored for grocery shopping. These cards offer enhanced rewards or cash back on grocery purchases, allowing cardholders to maximize their savings while shopping for groceries. With features like higher rewards rates, exclusive discounts, and promotional offers, grocery store credit cards provide an extra incentive for customers to choose them as their preferred payment method when shopping for groceries.

Types Of Grocery Store Credit Cards

(1) Co-Branded Cards

Co-branded grocery store credit cards are specifically associated with a particular grocery store chain. These cards are designed to incentivize customers to shop at that specific store by offering exclusive rewards, discounts, or special benefits. Cardholders earn higher rewards or cash back rates when making purchases at the affiliated grocery store. These cards often come with additional perks such as fuel discounts, priority access to sales, or personalized offers tailored to the store’s products.

(2) Cash Back Cards

Cash back credit cards for groceries provide a percentage of the amount spent on groceries as cash back, regardless of the store where the purchases are made. These cards typically offer a higher cash back rate for grocery purchases compared to other spending categories. Cardholders can accumulate cash back rewards over time, which can be redeemed as statement credits, direct deposits, or applied towards future purchases. Cash back cards offer flexibility in choosing where to shop for groceries while still earning rewards.

(3) General Rewards Cards

General rewards credit cards provide rewards or cash back on various spending categories, including groceries. These cards offer a flat-rate cash back or rewards program, allowing flexibility in where you shop for groceries. They may provide a consistent cash back percentage on all purchases, including groceries, without any specific store affiliations. General rewards cards are ideal for those who prefer to shop at different grocery stores or want a broader rewards program that extends beyond groceries.

(4) Store-Only Cards

Some grocery stores offer their own credit cards that can only be used at their specific stores. These store-only credit cards provide exclusive discounts, promotional offers, or special benefits when making purchases at the affiliated grocery store. These cards may offer higher rewards or cash back rates compared to general credit cards. Store-only cards are ideal for frequent shoppers at a particular grocery store who want to maximize their savings and enjoy exclusive perks tied to that specific store.

Pros And Cons Of Grocery Store Credit Cards

Pros

  • Enhanced rewards or cash back specifically for grocery purchases.
  • Special discounts, promotions, or exclusive offers.
  • Potential savings on groceries over time.
  • Some cards may offer additional benefits like extended warranties or purchase protection.

Cons

  • Limited usability to specific grocery stores or affiliated merchants.
  • Higher interest rates or fees compared to other credit cards.
  • May encourage overspending or impulse buying.
  • Rewards may have restrictions or redemption limitations.

How To Choose A Credit Card For Groceries?

(i) Rewards Structure

Look for credit cards that offer high rewards or cash back rates specifically for grocery purchases. Some cards may provide bonus rewards for grocery spending, allowing you to earn more for every dollar you spend. Consider the percentage of cash back or rewards offered and compare it with other cards to maximize your savings.

(ii) Redemption Options

Consider how and when you can redeem your earned rewards or cash back. Some credit cards offer flexible redemption options such as statement credits, direct deposits, or gift cards. Evaluate the redemption process, minimum thresholds, and any limitations on redeeming your rewards to ensure they align with your preferences.

(iii) Fees and Interest Rates

Compare the annual fees, APR (Annual Percentage Rate), and other charges associated with the credit card. Some cards may have an annual fee, while others may offer no annual fee. Additionally, consider the interest rates charged on any outstanding balances. It’s important to choose a card with fees and rates that you are comfortable with and that won’t outweigh the benefits you receive.

(iv) Additional Benefits

Evaluate any extra perks that the credit card offers beyond rewards. These benefits may include purchase protection, extended warranties, travel insurance, or access to exclusive events. Assess which additional benefits are most valuable to you and align with your lifestyle and preferences.

(v) Compatibility

Ensure that the credit card you choose is widely accepted at the grocery stores you frequent. Verify that the card is accepted not only at the specific grocery store chains but also at other supermarkets or grocery stores where you typically shop. Check the card’s network, such as Visa, Mastercard, or American Express, to confirm its acceptance at various merchants.

(vi) Personal Spending Habits

Consider your typical grocery spending patterns and choose a credit card that aligns with your needs and preferences. If you primarily shop at a specific grocery store, a co-branded or store-only credit card may offer exclusive benefits and higher rewards for that store. If you prefer flexibility and shop at different grocery stores, a general rewards card with competitive rewards on groceries could be a better fit.

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 2024

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

Highest introductory rewards: Marriott Bonvoy Boundless

$95

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

Best rotating bonus: Citi Custom Cash® Card

$0

$200 after spending $750 within three months

Highest ongoing rewards: Blue Cash Preferred Card

$95 (waived the first year)

$300 after spending $3,000 within six months

Cash back with no annual fee: Capital One SavorOne

$0

$200 after spending $500 within three months

Best for travel rewards: Citi Premier® Card

 

$95

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

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

Best for airline miles: AAdvantage MileUp Card

$0

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

Best for international flights: Aeroplan Card

$95

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

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

$0

$200 after spending $1,000 within 90 days

Best for big grocery budgets: American Express Gold

$250

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

Best for frequent purchases: Amex EveryDay Preferred

$95

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

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

$0 (must be Amazon Prime Member)

$100 Amazon instant credit upon approval

Best for Walmart: Capital One Walmart Rewards Card

$0

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

Best for wholesale clubs: Costco Anywhere Visa

$0 (must be a Costco member)

None

Best credit or debit card for groceries: Target RedCard

$0

None

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

$0

$200 after spending $1,000 within 90 days

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

$0

None

Best for rebuilding credit: OpenSky Secured Visa

$35

None

Conclusion

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.

FAQs

Using a credit card responsibly, including for grocery purchases, can help build credit. Consistently making payments on time and keeping your credit utilization low can positively impact your credit score over time.

Buying groceries with a credit card can be beneficial if you can pay off the balance in full each month to avoid interest charges. It can also offer additional benefits such as rewards, purchase protection, and convenience. However, it’s important to budget and use credit responsibly.

Many credit cards offer rewards or cash-back programs for grocery purchases. To earn rewards, choose a credit card that offers a higher rewards rate for grocery spending. Be sure to read the card’s terms and conditions to understand how rewards are earned and redeemed.

There are several credit cards that offer competitive cash-back rewards on groceries. Some popular options include the Blue Cash Preferred® Card from American Express, Chase Freedom Flex℠, and Citi® Double Cash Card.

The best grocery store credit card with no annual fee may vary depending on individual preferences and spending habits. However, some noteworthy options include the Bank of America® Customized Cash Rewards credit card, Discover it® Cash Back, and the Target RedCard™.

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