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It doesn’t matter if you’re single or a parent of several children, you probably visit the grocery store regularly. Food is a large monthly expense because it’s the jet fuel for our bodies, especially if you shop at Whole Foods. Because groceries are a consistent purchase, getting rewarded for it should be a no-brainer. That’s why the best credit cards for groceries help you save – sometimes up to 6% – on every supermarket visit! So here’s a list of the best grocery credit cards 2020.
Best Grocery Credit Cards
- Blue Cash Preferred® Card from American Express
- Blue Cash Everyday® Card from American Express
- Hilton credit cards
- Chase Freedom & Chase Sapphire Preferred Combo
How to Get Cash Back on Groceries 2020
Although many stores sell groceries, you will only get bonus cash back at supermarkets like Kroger, Safeway, HEB, and Albertsons when your credit card has a specific category bonus for groceries. You can earn cash back on all purchases with a standard cash back credit card.
You won’t get bonus cash if you buy groceries at discount stores like Walmart and Target or even gas stations. This is because these stores specialize in selling other merchandise and groceries aren’t their primary income stream. Your credit card review company can’t distinguish the food items from the clothing and pet supplies you also purchased on the same receipt.
The Best Credit Card for Grocery Store Purchases
The Blue Cash Preferred® Card from American Express earns 6% back on the first $6,000 spent at U.S. supermarkets, then 1% thereafter. You can also earn an unlimited 6% cash back on select U.S. streaming services and 3% cash back at U.S. gas stations and on transit including taxis/rideshare, parking, tolls, trains, buses and more. For all other purchase categories, you earn an unlimited 1% back.
Since the average American household spends approximately $600 a month in groceries, you can easily maximize the 6% bonus. All of these perks and offers make this card one of the best credit card for grocery stores available.
Learn more about the Blue Cash Preferred® Card from American Express: Cash Back Credit Cards
Grocery Store Credit Card Honorable Mentions
Although the Blue Cash Preferred has a stellar 6% U.S. supermarket rewards, it might not be the best credit card for groceries option for you. These other recommendations might also fit the bill if you don’t want cash back rewards or don’t want to pay an annual fee.
Blue Cash Everyday from American Express
The Blue Cash Everyday® Card from American Express is an alternative to the Blue Cash Preferred. Instead of 6% back, you will get 3% back on the first $6,000 in U.S. supermarket purchases, then 1% thereafter. By maxing out the 3% bonus, you will get $180 a year in bonus cash plus 1% on all remaining bonus categories.
You will also get unlimited 2% back at U.S. gas stations and department stores, plus 1% back on all other eligible purchases.
The Blue Cash Everyday also comes with the following American Express credit card benefits:
- Roadside assistance
- Extended warranty protection
- 2-day Shoprunner shipping
Hilton Honors Credit Cards
If you regularly stay at Hilton hotels (Hilton, Hampton Inn, etc.) or you enjoy free hotel nights, the Hilton credit cards are the best credit cards for groceries that are also hotel cards. Grocery purchases are an easy way to bank points to earn free nights sooner.
Hilton Honors American Express Card
The Hilton Honors American Express Card earns 5x points on eligible purchases at U.S. supermarkets, U.S. restaurants, and U.S. gas stations. As long as you don’t buy your groceries from a discount store like Walmart or Target, you’re guaranteed to earn an unlimited 5 points for every dollar spent on eligible items.
As this is a hotel rewards credit card, you will earn 7x points on eligible Hilton purchases. All remaining eligible purchases earn 3x points. Free Hilton nights start at 5,000 points per night and you can get the 5th night free when you pay for your first four nights with points. You can calculate your current credit card spending to quickly see how many rewards nights you can earn each year.
This recommendation is a great option if you want a secondary credit card.
The one “catch” to this card is that there’s a better Hilton credit card option if you spend at least $15,000 in total card purchases each year. If that’s the case, you can automatically get a free Hilton hotel night certificate with the Hilton Honors American Express Surpass® Card.
Hilton Honors American Express Surpass Card
When you spend at least $15,000 annually in total card purchases, the Hilton Honors American Express Surpass® Card is the better option. The reason why is that you get a free weekend night certificate valid at virtually any Hilton Portfolio property. This free night is in addition to any free nights you can claim with your points balance.
Grocery purchases earn 6x points per dollar on eligible purchases at U.S. restaurants, U.S. gas stations, and U.S. supermarkets. All eligible Hilton purchases earn a 12x reward points per dollar.
This card comes with a few other Hilton Honors perks including:
- Free continental breakfast
- Space-available room upgrades
- Milestone bonuses
If you also fly on a regular basis, you also get 10 free Priority Pass Select airport lounge passes to relax away from the general terminal.
Chase Freedom for Grocery Purchases
You won’t earn bonus points every month of the year at supermarkets, but you will earn 5% back when you can. The Chase Freedom offers 5% back on rotating quarterly categories. In 2018, grocery store purchases got 5% back during April, May, and June. If you can pay for your groceries with a digital wallet like Chase Pay or Apple Pay, you could also get 5% back during the first three months of 2018.
Getting 5% back on groceries is one reason to consider the Chase Freedom, but it can make an excellent pairing with a Chase Sapphire Preferred travel rewards card. Some people prefer travel rewards to cash rewards and maybe you’re one of “those people.”
If you own the Chase Sapphire, you can pool your Freedom points to get a travel redemption bonus or even transfer them on a 1:1 basis so your points are always worth at least 25% more. Some of the travel partners include Southwest Airlines, United Airlines, Hyatt, and Marriott. Instead of paying regular cash value for your next trip, your grocery trips can help you save.
Award travel might not be your cup of tea and you can still redeem your Freedom purchase rewards for cash back, gift cards, or travel rewards for 1 cent each.
Summary of the Best Credit Card For Groceries 2020
You might not think about getting bonus points on grocery purchases because it’s a “boring” purchase. There are several rewards credit cards that make the trip down the grocery aisle highly rewarding. Just like you can earn rewards points at any grocery store, you can also enjoy cash back or free travel as a reward too.
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.