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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
- Citi® Double Cash Card
- Hilton credit cards
- Chase Freedom Unlimited® & 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: Blue Cash Preferred Card from American Express
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: Rewards 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 select U.S. department stores, plus 1% back on all other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
The Blue Cash Everyday also comes with the following American Express credit card benefits:
- Roadside assistance
- Extended warranty protection
- 2-day Shoprunner shipping
The welcome bonus is the ability to earn $200 after spending $1,000 on purchases in the first 3 months of account opening. The annual fee is $0 (See Rates & Fees).
Learn more: Cash Back Credit Cards
Citi Double Cash Card
While this cash back card doesn’t specifically earn more cash back for grocery purchases, it does allow you to earn cash back twice on every purchase. With the Citi® Double Cash Card, you can earn up to 2% back with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
There are no categories to track or annual fees to worry about either. However, there is no welcome bonus at this time.
Related: Citi Double Cash Review
Chase Freedom Unlimited for Grocery Purchases
The Chase Freedom Unlimited® is a no annual fee credit card that can help you earn more rewards for your purchases. New cardholders can earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening. Plus, you can earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.
Cardholders earn unlimited 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back at restaurants, including takeout and eligible delivery services, 3% cash back on drugstore purchases, and 1.5% cash back on all other purchases. There is no limit to how much cash back can be earned and no annual fee to worry about.
These are great opportunities to earn cash back on every purchase.
Getting 5% back on groceries is one reason to consider the Chase Freedom Unlimited, but it can make an excellent pairing with a Chase Sapphire Preferred® travel rewards card. Some people prefer travel rewards to cash rewards.
If you own a Chase Sapphire card, you can pool your Freedom points with your Sapphire points to get a travel redemption bonus. You can 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.
But, award travel might not be your cup of tea. You can still redeem your Freedom Unlimited purchase rewards for cash back, gift cards, or travel rewards for 1 cent each.
Related: Best Cash Back Credit Cards
Chase Grocery Bonuses For 2020
Chase’s Sapphire Instacart grocery bonus can help cardholders earn more in 2020. If you’ve got a Chase Sapphire Preferred or a Chase Sapphire Reserve, you can earn more points on Instacart purchases, at gas stations, and on select streaming services through September 30, 2020. You can also use the Chase Pay Yourself Back feature to use your points to pay for select purchases.
And as mentioned above, you can pool your Freedom and Sapphire points for the ultimate redemption bonus.
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 this is a hotel rewards credit card, you will earn 7x points on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands. All remaining eligible purchases earn 3x points per $1 spent.
New cardholders can earn 80,000 points by spending $1,000 in the first 3 months of card membership.
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. There are no foreign transaction fees or annual fees to worry about either (See Rates & Fees).
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.
Learn more: Hotel Rewards Credit Cards
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.
You’ll earn 6x points per $1 spent on eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Cardholders also earn 12x points per dollar spent on eligible purchases charged directly with a hotel or resort within the Hilton portfolio. All other eligible purchases earn 3x points per $1 spent.
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. The annual fee is $95 (See Rates & Fees).
Learn more: Hotel Rewards Credit Cards
Capital One SavorOne Cash Rewards Credit Card
The Capital One® SavorOne® Cash Rewards Credit Card earns an unlimited 3% back on dining and entertainment, 2% back at grocery stores, and 1% back on all other purchases. There are also no annual fees or foreign transaction fees to manage. New cardholders can earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. It’s one of the best Capital One credit card options for earning cash back.
Learn more: Cash Back Credit Cards
Another Capital One option you might consider is the Capital One® Venture® Rewards credit card. This card earns 2x miles per $1 on all purchases. So whether you’re buying groceries, shoes, gas, streaming services, etc., you’ll earn rewards. But, if you are making a purchase on Uber Eats, you’ll earn 5x miles per $1 spent, through January 31, 2021.
Learn more: Rewards Credit Cards
American Express Gold Card
The American Express® Gold Card might be a helpful choice if you spend big on supermarket purchases. Cardholders earn 4x points at U.S. supermarkets (up to $25,000 per year in purchases, then 1x). They also earn 4x points at restaurants worldwide, including at deliveries and takeout. Cardholders earn 3x points on flights booked directly with airlines or on amextravel.com.
The American Express Gold Credit Card also comes with an airline fee credit of up to $100 per calendar year for incidental fees at one airline. Additionally, cardholders can earn up to $10 in monthly statement credits (up to $120 in savings annually) when paying with their card at Grubhub, Seamless, Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. Enrollment is required.
New American Express® Gold Card cardholders can earn 60,000 Membership Rewards points after spending $4,000 on eligible purchases within the first 6 months.
Learn more: Johnny Jet Recommended Credit Cards
As mentioned earlier, you will only get bonus cash back at supermarkets when your credit card has a specific category bonus for groceries. You won’t get bonus cash if you buy groceries at stores like Walmart and Target. But, depending on your spending habits, the cards below might be a better option.
Amazon Prime Rewards Visa Signature Card
The information for the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Amazon Prime Rewards Visa Signature Card can be your best option for Amazon and Whole Foods purchases. But you must be an Amazon Prime member to qualify for this card, otherwise, you’ll want the Amazon Rewards Visa Signature Card. Prime members get 5% back on Amazon.com purchases and Whole Foods purchases (3% back for non-Prime members). Gas stations, restaurants, and drugstores get 2% back. Everything else earns 1% back.
You can redeem your rewards for Amazon purchases. Other redemption options include cash, gift cards, and travel. While Chase issues the Amazon credit card, you earn Amazon points instead of Chase Ultimate Rewards.
Canceling your Prime membership downgrades you to the basic card. This is one of the best credit cards for Amazon purchases.
Costco Anywhere Visa Card by Citi
If you’re a frequent Costco shopper, consider the Costco Anywhere Visa® Card by Citi. Cardholders earn 2% cash back on all purchases from Costco and Costco.com. Cardholders also get 4% cash back on eligible gas purchases for the first $7,000 per year (then 1% thereafter), 3% cash back on restaurants and eligible travel purchases, and 1% cash back on all other purchases.
There is no annual fee or foreign transaction fees with your paid Costco membership. Cardholders receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico. There is also the Costco Anywhere Visa® Business Card by Citi for business owners.
The information for the Target RedCard has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Target RedCard™ can be your best card for shopping at Target. Cardholders earn 5% back on in-store and online Target purchases, Shipt same-day delivery services, in-store Starbucks locations, and specialty gift cards.
You get 10% off on your card anniversary and an extra 30-day return window on Target purchases. However, you may still want to use another card for your purchases at other merchants.
This card doesn’t have an annual fee.
Capital One Walmart Rewards Card
The information for the Capital One® Walmart Rewards™ Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Superstores like Walmart don’t qualify for the grocery store bonus category. The Capital One® Walmart Rewards™ Card solves that problem as you find all the ingredients you need for eating at home.
Cardholders get 5% back at Walmart.com (including grocery pickup and delivery), 2% back on restaurants and travel, 2% back on in-store Walmart purchases and at Murphy USA gas stations, and 1% back on everything else. You can redeem your points for cash rewards, travel rewards, gift cards, and statement credits.
This card doesn’t have an annual fee.
Bank of America Cash Rewards Credit Card
The information for the Bank of America Cash Rewards Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Bank of America® Cash Rewards Credit Card awards 3% back on one category choice (Dining, online shopping, gas, travel, drug store, or home furnishings), 2% back at grocery stores and wholesale clubs, and 1% back on everything else. You get 3% and 2% back on the first $2,500 in combined spending each quarter (then 1% back).
It’s possible to earn between 25% and 75% more points if you’re a Preferred Rewards member. That means 2% at grocery stores and wholesale clubs could go up to 3.5%, for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. There is no annual fee.
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. However, 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.
For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
For rates and fees of the Hilton Honors American Express Card, please click here.
For rates and fees of the Hilton Honors American Express Surpass Card, please click here.
For rates and fees of The American Express® Gold Card, please click here.
Chase Sapphire Preferred® Card
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
- 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 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.
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.
- 1 Best Grocery Credit Cards
- 2 How to Get Cash Back on Groceries 2020
- 3 The Best Credit Card for Grocery Store Purchases: Blue Cash Preferred Card from American Express
- 4 Grocery Store Credit Card Honorable Mentions
- 5 Blue Cash Everyday from American Express
- 6 Citi Double Cash Card
- 7 Chase Freedom Unlimited for Grocery Purchases
- 8 Hilton Honors Credit Cards
- 9 Capital One SavorOne Cash Rewards Credit Card
- 10 American Express Gold Card
- 11 Other Stores
- 12 Amazon Prime Rewards Visa Signature Card
- 13 Costco Anywhere Visa Card by Citi
- 14 Target REDCard
- 15 Capital One Walmart Rewards Card
- 16 Bank of America Cash Rewards Credit Card
- 17 Summary of the Best Credit Card For Groceries 2020