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.
Table of Contents
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:
- The Marriott Bonvoy Boundless® Credit Card is a standout choice for our list of the Best Credit Cards for Groceries due to its exceptional benefits for frequent travelers. The $95 annual fee is more than justified by the complimentary Free Night Award, valued up to 35,000 points, granted every year after the account anniversary. This benefit alone can easily offset the annual fee for those who stay at Marriott properties with any regularity.
- Furthermore, the card's rewards structure, especially the 3X points on key spending categories, aligns perfectly with the needs of individuals who prioritize groceries, gas, and dining. The seamless integration with the Marriott Bonvoy program and the ability to earn up to 17X total points per $1 spent at participating hotels make it a compelling choice for those seeking maximum value from their credit card.
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:
- The Marriott Bonvoy Boundless® Credit Card is a standout choice for our list of the Best Credit Cards for Groceries due to its exceptional benefits for frequent travelers. The $95 annual fee is more than justified by the complimentary Free Night Award, valued up to 35,000 points, granted every year after the account anniversary. This benefit alone can easily offset the annual fee for those who stay at Marriott properties with any regularity.
- Furthermore, the card's rewards structure, especially the 3X points on key spending categories, aligns perfectly with the needs of individuals who prioritize groceries, gas, and dining. The seamless integration with the Marriott Bonvoy program and the ability to earn up to 17X total points per $1 spent at participating hotels make it a compelling choice for those seeking maximum value from their credit card.
- No foreign transaction fees for seamless international use.
- 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:
- The Citi Custom Cash® Card's $0 annual fee, coupled with its automated 5% cash back rewards system and diverse bonus categories, makes it a standout choice for those seeking simplicity and value in their credit card rewards. The ability to earn substantial cash back without the hassle of quarterly activations sets this card apart, offering a seamless and rewarding experience for users.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Citi Custom Cash® Card's $0 annual fee, coupled with its automated 5% cash back rewards system and diverse bonus categories, makes it a standout choice for those seeking simplicity and value in their credit card rewards. The ability to earn substantial cash back without the hassle of quarterly activations sets this card apart, offering a seamless and rewarding experience for users.
- Automated 5% Cash Back adjusts rewards based on spending habits each billing cycle without manual activation.
- Diverse Bonus Categories offer flexibility with 10 fixed bonus categories, catering to various spending patterns.
- Balance Transfer Fee is $5 or 5% of the transfer amount, whichever is greater.
- 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
Why we like it:
- The Blue Cash Preferred® Card is a top contender in the realm of cash-back credit cards, excelling in categories crucial to many households. The substantial rewards on supermarket, streaming, and transit expenses, combined with the attractive welcome offer, offset the annual fee for those who maximize their card usage. Families, in particular, can benefit significantly from the card's reward structure, turning everyday expenditures into meaningful savings.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Blue Cash Preferred® Card is a top contender in the realm of cash-back credit cards, excelling in categories crucial to many households. The substantial rewards on supermarket, streaming, and transit expenses, combined with the attractive welcome offer, offset the annual fee for those who maximize their card usage. Families, in particular, can benefit significantly from the card's reward structure, turning everyday expenditures into meaningful savings.
- Earn a $250 statement credit after spending $3,000 in purchases on your new Card within the first 6 months.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments.
- Up to $120 in statement credits annually for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card.
- $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:
- In the competitive landscape of credit cards, the Capital One SavorOne stands out as an ideal choice for those prioritizing grocery spending. Its $0 annual fee, coupled with a rewarding cash back structure, makes it an excellent companion for individuals who frequently dine out, enjoy entertainment, and prioritize grocery shopping. The inclusion of a generous sign-up bonus sweetens the deal, providing an instant financial benefit to new cardholders.
- Moreover, the card's broad definitions of "dining" and "entertainment" ensure that various expenses, from fine dining to theme park visits, qualify for the enhanced cash back rates. Unlike some competitors, there are no restrictions on spending amounts eligible for higher rewards, and there's no minimum requirement for redeeming rewards.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- In the competitive landscape of credit cards, the Capital One SavorOne stands out as an ideal choice for those prioritizing grocery spending. Its $0 annual fee, coupled with a rewarding cash back structure, makes it an excellent companion for individuals who frequently dine out, enjoy entertainment, and prioritize grocery shopping. The inclusion of a generous sign-up bonus sweetens the deal, providing an instant financial benefit to new cardholders.
- Moreover, the card's broad definitions of "dining" and "entertainment" ensure that various expenses, from fine dining to theme park visits, qualify for the enhanced cash back rates. Unlike some competitors, there are no restrictions on spending amounts eligible for higher rewards, and there's no minimum requirement for redeeming rewards.
- Earn 8% cash back on Capital One Entertainment purchases, expanding the card's appeal to frequent entertainment enthusiasts.
- Enjoy unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, offering savings for travel enthusiasts.
- 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:
- The Citi Premier® Card appeals to users who prioritize everyday spending on groceries, dining, and gas. The triple points in these categories set it apart, offering a level of rewards rarely seen in this price range. Furthermore, the card's potential for outsized value through international travel partners and a generous sign-up bonus make it an attractive choice for those who can maximize these benefits.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Citi Premier® Card appeals to users who prioritize everyday spending on groceries, dining, and gas. The triple points in these categories set it apart, offering a level of rewards rarely seen in this price range. Furthermore, the card's potential for outsized value through international travel partners and a generous sign-up bonus make it an attractive choice for those who can maximize these benefits.
- The card features a $100 annual hotel savings benefit, providing an extra perk for travelers.
- No foreign transaction fees make it a suitable companion for international trips.
- 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
Why we like it:
- The Hilton Honors American Express Surpass® Card strikes a balance between cost and benefits. Despite the absence of an automatic annual free night, the $200 back on eligible Hilton purchases each year significantly offsets the annual fee. For frequent Hilton guests, the rewards program, coupled with automatic Gold Status and the potential to reach Diamond Status, presents a compelling case.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Hilton Honors American Express Surpass® Card strikes a balance between cost and benefits. Despite the absence of an automatic annual free night, the $200 back on eligible Hilton purchases each year significantly offsets the annual fee. For frequent Hilton guests, the rewards program, coupled with automatic Gold Status and the potential to reach Diamond Status, presents a compelling case.
- 170,000 Hilton Honors Bonus Points after $3,000 spend in the first 6 months.
- 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.
- Weekend night reward, National Car Rental Emerald Club Executive status.
- $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:
- The American Airlines AAdvantage® MileUp® caters to both occasional and frequent flyers, striking a balance with its $0 annual fee and rewarding features. The ability to earn points toward elite status through everyday spending is a unique and valuable aspect, setting it apart from other no-annual-fee airline cards. The 25% savings on in-flight food and beverage purchases adds an extra layer of convenience and savings for cardholders. While it may not be the top choice for heavy American Airlines travelers, it undoubtedly earns its spot among the 18 Best Credit Cards for Groceries.
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:
- The American Airlines AAdvantage® MileUp® caters to both occasional and frequent flyers, striking a balance with its $0 annual fee and rewarding features. The ability to earn points toward elite status through everyday spending is a unique and valuable aspect, setting it apart from other no-annual-fee airline cards. The 25% savings on in-flight food and beverage purchases adds an extra layer of convenience and savings for cardholders. While it may not be the top choice for heavy American Airlines travelers, it undoubtedly earns its spot among the 18 Best Credit Cards for Groceries.
- Earn 15,000 American Airlines AAdvantage® bonus miles after spending $500 in the first 3 months.
- Accumulate 1 loyalty point for every eligible AAdvantage® mile, contributing to AAdvantage loyalty status.
- 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:
- The Aeroplan® Credit Card, in partnership with Chase, caters not only to frequent Air Canada flyers but also to everyday shoppers looking to make the most of their credit card. The automatic Aeroplan 25K Elite Status for new cardholders provides immediate perks like priority check-in and boarding. The ongoing rewards program, including 3X points on groceries and dining, enhances the card's appeal for those who prioritize everyday expenses.
- Furthermore, the card's unique features, such as the ability to earn additional points for monthly spending and the opportunity to boost elite status through annual expenditures, offer long-term benefits. The free checked bag benefit for the cardholder and accompanying travelers, along with exclusive redemption benefits and a $100 Global Entry, TSA PreCheck®, or NEXUS statement credit every four years, add significant value.
- While the $95 annual fee is a consideration, the card's rewards and benefits easily outweigh this cost for those who align with Air Canada's services. However, it's crucial to note that the spending requirements for certain perks may be challenging for the average cardholder.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Aeroplan® Credit Card, in partnership with Chase, caters not only to frequent Air Canada flyers but also to everyday shoppers looking to make the most of their credit card. The automatic Aeroplan 25K Elite Status for new cardholders provides immediate perks like priority check-in and boarding. The ongoing rewards program, including 3X points on groceries and dining, enhances the card's appeal for those who prioritize everyday expenses.
- Furthermore, the card's unique features, such as the ability to earn additional points for monthly spending and the opportunity to boost elite status through annual expenditures, offer long-term benefits. The free checked bag benefit for the cardholder and accompanying travelers, along with exclusive redemption benefits and a $100 Global Entry, TSA PreCheck®, or NEXUS statement credit every four years, add significant value.
- While the $95 annual fee is a consideration, the card's rewards and benefits easily outweigh this cost for those who align with Air Canada's services. However, it's crucial to note that the spending requirements for certain perks may be challenging for the average cardholder.
- Ongoing APR ranges from 21.74% to 28.74%, offering flexibility.
- No foreign transaction fee for hassle-free international purchases.
- Balance transfer fee: $5 or 5% of the transfer amount, whichever is greater.
- Automatic 25K Status provides priority check-in, boarding, and potential upgrades.
- Status Boost and Redemption Benefits available with increased spending.
- Free checked bag benefit extends to the cardholder and up to nine others.
- Pay Yourself Back feature allows redemption for statement credit on various travel purchases.
- 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:
- The Bank of America® Customized Cash Rewards credit card combines a $0 annual fee, a competitive rewards structure, and the flexibility to choose and change bonus categories, making it an ideal companion for grocery shopping. The 0% introductory APR adds further appeal, providing users with a window to make purchases or balance transfers without accruing interest. Additionally, the card's contactless feature enhances convenience and security.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Bank of America® Customized Cash Rewards credit card combines a $0 annual fee, a competitive rewards structure, and the flexibility to choose and change bonus categories, making it an ideal companion for grocery shopping. The 0% introductory APR adds further appeal, providing users with a window to make purchases or balance transfers without accruing interest. Additionally, the card's contactless feature enhances convenience and security.
- $200 online cash rewards bonus after spending $1,000 in the first 90 days.
- Expanded categories include 3% cash back on gas (including EV charging) and online shopping (including cable, streaming, internet, and phone services).
- No minimum redemption requirement for cash rewards into a Bank of America® account or statement credit.
- 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
Why we like it:
- For avid foodies and frequent travelers, the American Express® Gold Card serves a banquet of rewards. The 4 points per dollar spent at restaurants and U.S. supermarkets, coupled with the 3X points on flights, make it a powerhouse for earning Membership Rewards. The $120 annual dining credit, $120 in Uber Cash, and the unique metal card design further enhance its appeal.
- The real gem lies in the card's flexibility. Points are transferable to various loyalty programs, offering opportunities for savvy travelers to maximize their redemptions. The $250 annual fee is mitigated by the $240 worth of annual benefits, making it a sound investment for those who can capitalize on these credits.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- For avid foodies and frequent travelers, the American Express® Gold Card serves a banquet of rewards. The 4 points per dollar spent at restaurants and U.S. supermarkets, coupled with the 3X points on flights, make it a powerhouse for earning Membership Rewards. The $120 annual dining credit, $120 in Uber Cash, and the unique metal card design further enhance its appeal.
- The real gem lies in the card's flexibility. Points are transferable to various loyalty programs, offering opportunities for savvy travelers to maximize their redemptions. The $250 annual fee is mitigated by the $240 worth of annual benefits, making it a sound investment for those who can capitalize on these credits.
- Earn 60,000 Membership Rewards® Points for spending $6,000 in the first 6 months.
- Metal Card for a premium feel.
- $120 annual dining credit for select partners.
- Up to $120 Uber Cash annually.
- Transferable points to various loyalty programs.
- $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
Why we like it:
- The Amex EveryDay® Preferred Credit Card caters to everyday spenders, particularly those who prioritize groceries and gas. Its strategic rewards structure aligns with the needs of an average household, making it an ideal choice for families looking to maximize their rewards on everyday expenses. The 50% bonus for frequent card use adds an extra layer of value, incentivizing consistent and regular transactions. The card's welcome bonus of 15,000 points after an initial spend of $2,000 in the first 6 months further enhances its attractiveness, providing a head start on rewards.
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:
- The Amex EveryDay® Preferred Credit Card caters to everyday spenders, particularly those who prioritize groceries and gas. Its strategic rewards structure aligns with the needs of an average household, making it an ideal choice for families looking to maximize their rewards on everyday expenses. The 50% bonus for frequent card use adds an extra layer of value, incentivizing consistent and regular transactions. The card's welcome bonus of 15,000 points after an initial spend of $2,000 in the first 6 months further enhances its attractiveness, providing a head start on rewards.
- 3 points per dollar at U.S. supermarkets (up to $6,000/yr, then 1 point), ideal for $6,692 annual grocery spend.
- 50% bonus points after 30+ transactions in a billing period, enhancing grocery rewards.
- Flexible options, including travel bookings, loyalty program transfers, gift cards, and using points for charges.
- Car rental loss and damage insurance.
- Pay It Plan It for alternate payment methods.
- 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:
- When it comes to maximizing rewards on grocery purchases, the Prime Visa card stands out among the best. Boasting a $0 annual fee and a competitive APR, this card caters to individuals with a good to excellent credit score (690-850). The icing on the cake is the enticing offer of a $100 Amazon Gift Card upon approval, exclusively for Prime members.
- The Prime Visa's rewards structure is a standout feature. With unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases for eligible Prime members, it's a haven for those who prioritize groceries in their spending. The 10% back or more on select products and categories at Amazon.com adds an extra layer of reward potential.
- Moreover, the card extends its benefits beyond groceries, offering unlimited 2% back at gas stations, restaurants, and on local transit and commuting, along with 1% back on all other purchases. The flexibility to redeem daily rewards at Amazon.com, starting as soon as the next day, adds a level of convenience that aligns with modern shopping habits.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- When it comes to maximizing rewards on grocery purchases, the Prime Visa card stands out among the best. Boasting a $0 annual fee and a competitive APR, this card caters to individuals with a good to excellent credit score (690-850). The icing on the cake is the enticing offer of a $100 Amazon Gift Card upon approval, exclusively for Prime members.
- The Prime Visa's rewards structure is a standout feature. With unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases for eligible Prime members, it's a haven for those who prioritize groceries in their spending. The 10% back or more on select products and categories at Amazon.com adds an extra layer of reward potential.
- Moreover, the card extends its benefits beyond groceries, offering unlimited 2% back at gas stations, restaurants, and on local transit and commuting, along with 1% back on all other purchases. The flexibility to redeem daily rewards at Amazon.com, starting as soon as the next day, adds a level of convenience that aligns with modern shopping habits.
- No foreign transaction fees ensure cost-free international transactions.
- Travel and shopping protections offer added security and benefits.
- Visa Signature concierge service provides convenient assistance with reservations and travel arrangements.
- 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:
- If Walmart is your go-to destination for groceries, the Capital One® Walmart Rewards® Mastercard® is tailor-made for you. The 5% back on online purchases, including Grocery Pickup and Delivery, is a significant advantage, especially in the age of digital shopping. Even in-store shoppers aren't left behind, earning a solid 2% back on their grocery purchases.
- The redemption flexibility is a standout feature, allowing you to use your earned points in various ways, from statement credits to travel bookings. The lack of a minimum redemption amount and the fact that points never expire make this card even more user-friendly.
- Moreover, the card travels well, being a Mastercard, with no foreign transaction fees and a range of travel protections. This makes it an excellent companion for those who not only frequent Walmart but also explore the world.
Annual Fees
$0
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:
- If Walmart is your go-to destination for groceries, the Capital One® Walmart Rewards® Mastercard® is tailor-made for you. The 5% back on online purchases, including Grocery Pickup and Delivery, is a significant advantage, especially in the age of digital shopping. Even in-store shoppers aren't left behind, earning a solid 2% back on their grocery purchases.
- The redemption flexibility is a standout feature, allowing you to use your earned points in various ways, from statement credits to travel bookings. The lack of a minimum redemption amount and the fact that points never expire make this card even more user-friendly.
- Moreover, the card travels well, being a Mastercard, with no foreign transaction fees and a range of travel protections. This makes it an excellent companion for those who not only frequent Walmart but also explore the world.
- Instant credit access upon approval, allowing you to use your card immediately.
- Card lock feature for added security if your card is misplaced.
- Account alerts via email or text to keep you informed about your account activity.
- Virtual numbers for shopping, adding an extra layer of security for online transactions.
- 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:
- The Costco Anywhere Visa® Card by Citi is a standout choice for our list of the "18 Best Credit Cards for Groceries." It's not just a store card; it's an "open-loop" card that can be used anywhere, providing flexibility that many other grocery-focused cards lack. The robust rewards program, especially the 4% cash back on gas, is a major draw. For frequent drivers, this can translate to significant annual savings, making it an excellent choice for those who spend a substantial amount on fuel.
- Moreover, the unlimited 3% cash back on dining and travel is a notable feature, rivaling premium travel cards with higher annual fees. The absence of foreign transaction fees is a cherry on top, ensuring that cardholders can earn rewards seamlessly even when traveling internationally. While it requires an excellent credit score, the Costco Anywhere Visa® Card by Citi offers a well-rounded package of benefits that extends beyond just grocery shopping.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Costco Anywhere Visa® Card by Citi is a standout choice for our list of the "18 Best Credit Cards for Groceries." It's not just a store card; it's an "open-loop" card that can be used anywhere, providing flexibility that many other grocery-focused cards lack. The robust rewards program, especially the 4% cash back on gas, is a major draw. For frequent drivers, this can translate to significant annual savings, making it an excellent choice for those who spend a substantial amount on fuel.
- Moreover, the unlimited 3% cash back on dining and travel is a notable feature, rivaling premium travel cards with higher annual fees. The absence of foreign transaction fees is a cherry on top, ensuring that cardholders can earn rewards seamlessly even when traveling internationally. While it requires an excellent credit score, the Costco Anywhere Visa® Card by Citi offers a well-rounded package of benefits that extends beyond just grocery shopping.
- No sign-up bonus or introductory APR, but the ongoing rewards structure makes up for it.
- Additional benefits include no foreign transaction fees, travel and emergency assistance, and worldwide travel accident insurance.
- 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:
- For avid Target shoppers, the Target REDcard™ Credit Card emerges as a top choice. The card's $0 annual fee combined with the 5% discount on eligible Target purchases, including select gift cards and items at Starbucks within Target, make it an attractive option. While the high variable APR makes it less suitable for carrying balances, the card becomes an excellent tool for those who pay their bills in full monthly, maximizing the benefits without incurring interest charges.
- The card's perks extend beyond the 5% discount, encompassing exclusive offers, gifts, and early access to promotions, enhancing the overall shopping experience. The additional 30 days for returns and free shipping, without the typical minimum order requirement, further sweeten the deal. The Target REDcard™ Credit Card caters to responsible spenders looking to maximize savings on their everyday purchases, especially groceries, clothing, and household items at Target.
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:
- For avid Target shoppers, the Target REDcard™ Credit Card emerges as a top choice. The card's $0 annual fee combined with the 5% discount on eligible Target purchases, including select gift cards and items at Starbucks within Target, make it an attractive option. While the high variable APR makes it less suitable for carrying balances, the card becomes an excellent tool for those who pay their bills in full monthly, maximizing the benefits without incurring interest charges.
- The card's perks extend beyond the 5% discount, encompassing exclusive offers, gifts, and early access to promotions, enhancing the overall shopping experience. The additional 30 days for returns and free shipping, without the typical minimum order requirement, further sweeten the deal. The Target REDcard™ Credit Card caters to responsible spenders looking to maximize savings on their everyday purchases, especially groceries, clothing, and household items at Target.
- Exclusive offers and early access to promotions for cardholders.
- Extended return period of an extra 30 days, providing flexibility for returns and exchanges.
- 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:
- When it comes to finding the perfect credit card for your grocery needs, the Bank of America® Customized Cash Rewards credit card for Students stands out as a top contender. With a $0 annual fee, a competitive APR, and a credit score requirement that accommodates a wide range of users, this card is tailored to make your shopping experience rewarding.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- When it comes to finding the perfect credit card for your grocery needs, the Bank of America® Customized Cash Rewards credit card for Students stands out as a top contender. With a $0 annual fee, a competitive APR, and a credit score requirement that accommodates a wide range of users, this card is tailored to make your shopping experience rewarding.
- 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.
- The card caters to students, offering a path to building credit responsibly, a crucial aspect for future financial endeavors.
- 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:
- In the vast landscape of credit cards tailored for grocery spending, the U.S. Bank Altitude® Go Visa Signature® Card emerges as a stand-out choice. Boasting a $0 annual fee, it not only sets itself apart from competitors but also delivers unparalleled rewards. The 4X points on dining, encompassing takeout and delivery, position it as the crème de la crème for food enthusiasts. This unrivaled rewards structure, coupled with the absence of an annual fee, makes it a top pick for those who value both savings and indulgence.
- Furthermore, the card extends its generosity beyond dining with 2X points on essential categories like groceries, gas stations, and streaming services. The $15 credit for eligible streaming services adds an extra layer of value, demonstrating a thoughtful approach to modern spending habits. The 0% intro APR for 12 billing cycles on purchases and balance transfers sweetens the deal, making it an enticing choice for those looking to manage their finances effectively.
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:
- In the vast landscape of credit cards tailored for grocery spending, the U.S. Bank Altitude® Go Visa Signature® Card emerges as a stand-out choice. Boasting a $0 annual fee, it not only sets itself apart from competitors but also delivers unparalleled rewards. The 4X points on dining, encompassing takeout and delivery, position it as the crème de la crème for food enthusiasts. This unrivaled rewards structure, coupled with the absence of an annual fee, makes it a top pick for those who value both savings and indulgence.
- Furthermore, the card extends its generosity beyond dining with 2X points on essential categories like groceries, gas stations, and streaming services. The $15 credit for eligible streaming services adds an extra layer of value, demonstrating a thoughtful approach to modern spending habits. The 0% intro APR for 12 billing cycles on purchases and balance transfers sweetens the deal, making it an enticing choice for those looking to manage their finances effectively.
- No Annual Fee - Enjoy rewards without worrying about yearly costs.
- Foreign Transaction Fee Waiver - Ideal for international use with no foreign transaction fees and widespread Visa Signature acceptance.
- Introductory APR Benefits - Benefit from a 0% intro APR on purchases and balance transfers for the first 12 billing cycles.
- Streaming Services Credit - Get a $15 annual credit for eligible streaming services, adding extra value.
- 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:
- The OpenSky® Secured Visa® Credit Card's standout feature lies in its accessibility. It's not just a card; it's an opportunity for financial redemption. The lack of a credit check coupled with the option to fund the security deposit gradually over 60 days makes it a practical choice for those who need a second chance. With 2/3 of cardholders witnessing a substantial credit score improvement after just three on-time payments, it becomes a tangible tool for credit empowerment.
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:
- The OpenSky® Secured Visa® Credit Card's standout feature lies in its accessibility. It's not just a card; it's an opportunity for financial redemption. The lack of a credit check coupled with the option to fund the security deposit gradually over 60 days makes it a practical choice for those who need a second chance. With 2/3 of cardholders witnessing a substantial credit score improvement after just three on-time payments, it becomes a tangible tool for credit empowerment.
- Security Deposit ranges from $200 to $3,000, offering flexibility with installment payments within a 60-day window.
- Foreign Transaction Fee is 3%, a factor to consider for individuals frequently engaging in international transactions.
- Cash Advance Fee is 5% of the advance amount, with a minimum fee of $6.
- 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™.
