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 2023 for every type of consumer.
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Best Credit Card For Groceries Of 2023
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 Fees – $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 Fees – $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 Fees – $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 Fees – $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 Fees – $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 Fees – $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: Aadvantage MileUp Card
Annual Fees – $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 Fees – $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 Fees – $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.
