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It’s not uncommon for a family to spend $600 a month on groceries. If you’re only earning 1% back on groceries with your current credit card, you’re missing out! These top credit cards for grocery purchases make it easy to earn the most rewards points on everyday purchases!
To earn cash back on groceries, you will have to buy them at a supermarket like Kroger, Publix, HEB, Safeway, etc. You will only earn the basic purchase reward rate (generally 1 point per $1) if you shop at discount stores like Target, Walmart, or Amazon because they sell many non-grocery items too.
Blue Cash Preferred from American Express
The Blue Cash Preferred earns 6% cash back your first $6,000 each year at all U.S. supermarkets for $360 in cash back. After you max out the 6% bonus rewards, you will earn 1% on all remaining grocery purchases for the rest of the year. This the most rewarding credit card for grocery purchases because of the 6% bonus payout.
If you max out the 6% bonus, you’ll earn $360 a year! That’s $300 more than you might already earn with a credit card that only offers 1% back on grocery purchases.
In addition to earning 6% on groceries, you will also earn bonus cash back on the following purchases:
- Unlimited 3% cash back at all U.S. gas stations
- 1% cash back on all remaining purchases (plus all grocery spending after the first $6,000)
As a new Blue Cash Preferred credit card owner, you also have the opportunity to earn a $200 welcome offer after spending $1,000 in the first 90 days.
The Blue Cash Preferred is a good option when you want a primary credit card that earns cash back. It can also be a good secondary credit card if you can maximize the 6% grocery reward and also buy gas on a regular basis.
Earn 3% Back If You Don’t Pay The Annual Fee
While you’ll only earn 3% on groceries instead of 6% on the first $6,000, you still earn 2% back at U.S. gas stations and select U.S. department stores, plus 1% on all non-bonus spending.
By maxing out the 3% grocery bonus, you will earn $180 in rewards each year and 1% on all remaining grocery purchases.
American Express® Gold Card
The American Express® Gold Card earns 4 Membership Rewards® points per $1 on U.S. restaurants and U.S. supermarkets. You will only earn up to 4x points on the first $25,000 in combined spending each year — a high spending limit. After hitting the $25,000 limit, you will only earn 1x points on remaining purchases. Unless you’re feeding an army, it probably won’t be an issue.
But, what makes the Membership Rewards points so valuable is the option to transfer your points to your favorite airline and hotel loyalty program on a 1:1 basis. If you fly on Delta, JetBlue, British Airway Avios (American Airlines and Alaska Air), you can book award travel faster than ever.
The annual fee is $250.
While the Gold card is a great option to maximize your US restaurant and supermarket purchases, this travel rewards card is a perfect complement to the Amex Platinum that earns 5x Membership Rewards on airfare and hotel purchases (regardless of the travel provider), which is the highest travel reward for any flexible travel rewards card.
The Chase Freedom is an annual fee-free cash back rewards card that has a quarterly bonus category that rewards 5% on your first $1,500 spent. Occasionally supermarkets will be a rotating category.
Owning the Chase Freedom can be beneficial if you want to earn cash back or travel rewards. As a member of the Chase Trifecta, you can transfer every Ultimate Rewards point to your Sapphire Preferred, Reserve or Ink Business Preferred to receive a 25% redemption bonus when you redeem your points for award travel, each point is worth 1.25 cents instead of the usual 1 cent redemption value.
If you relish the idea of transferring your Ultimate Rewards points to a travel partner like Southwest Airlines, United, Avios (American Airlines partner flights), or even hotel programs including IHG, Marriott, and Hyatt, your Chase Freedom points can be worth more if you own a Sapphire or Ink Preferred card.
Even if the idea of redeeming your Chase points for award travel isn’t your cup of tea, they are still very valuable for cash statement credits and gift cards.
What About Hotel Rewards Cards?
Some co-brand hotel credit cards will award bonus points on grocery store purchases as well. This option can be valuable if you like redeeming for credit card rewards for hotel nights. Overall, hotel rewards points are often less valuable as they usually have a value less than 1.0 cents each (10,000 points=$100).
With the options listed above, your rewards points are always worth 1 cent each or even as much as 2 cents when you can transfer them to an airline frequent flyer program.
Summary on Best Credit Cards for Grocery Store Purchases
At the end of the day, the best credit card to buy groceries with depends on how easily you can redeem your rewards points. If you prefer travel rewards, a cash back card will be nice but you can’t bank those rewards points up for a future trip. On the other hand, cash back cards offer immediate rewards that can be used to lower your monthly statement balance each month because they are easy to redeem.
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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.