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Best credit cards for grocery shopping

You can rack up cash back and rewards at supermarkets – regardless of your credit

Summary

Looking for the best card to use while grocery shopping? These options will help you score major savings in the form of cash back, regardless of your credit profile.

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Everyone has to eat, which means everyone has to go grocery shopping every week and credit card issuers know this.

That’s why the credit cards tying reward points to this weekly activity are getting more numerous and their offers are getting increasingly more competitive. In 2019, a whole new class of cards is ready to reward you for your grocery spending.

Here are best cards whether you like those premium rewards, are an everyday shopper, are building credit or you’d rather skip the prep and go straight to the meal.

See related: Best cards for restaurants

Best credit cards for groceries

  1. American Express® Gold Card – Best cards for premium cardholders
  2. Bank of America® Cash Rewards credit card – Best no annual fee cards
  3. Capital One Savor Cash Rewards Credit Card – Best card for dining out

American Express® Gold Card

Best groceries card for premium cardholders
Amex Gold gives you an unprecedented rewards rate whether you’re dining in or out. If that weren’t enough, paying at certain restaurants after enrollment, can get you $10 a month in statement credit.

The intro bonus of 35,000 points when you spend $2,000 in the first three months is fair and there are many redemption options, including gift cards, merchandise and travel with no blackout dates.

You also get up to $100 every year in airline fee credits, which you can use to pay for things like baggage fees or upgrades – and in some cases, even airline gift cards.

The card charges an annual fee of $250, but if you take advantage of both the dining and airline fee credit, keeping the Amex Gold card will essentially cost you $30 every year.

If you are OK with only redeeming travel directly through Amextravel.com or Amex’s airline partners in order to maximize the value of the Membership Rewards points you’ll earn, this is a great card for foodies and travellers.

Here’s a closer look at the features:

  • 35,000 American Express Membership Rewards points when you spend $2,000 in the first three months.
  • 4 points per dollar spent at U.S. supermarkets on up to $25,000 per year in purchases – 1 point thereafter.
  • 4 points per dollar spent at restaurants worldwide.
  • 3 points per dollar spent on flights booked directly through airlines or on amextravel.com.
  • Up to $120 annual dining credit (up to a $10 statement credit monthly) when you pay at Grubhub, The Cheesecake Factory, Ruth’s Chris and participating Shake Shack locations (enrollment required).
  • Up to $100 annual airline fee credit.
  • No foreign transaction fees.

Alternative: Blue Cash Preferred® Card from American Express

Even though it has fewer features than the Amex Gold, it gives you perhaps the highest cash back rate available on groceries, and it has a lower annual fee – $95. Plus, running errands like groceries is way easier when you get cash back on gas for the commute. Take a closer look:

  • $250 statement credit when you spend $1,000 in the first three months.
  • 6 percent cash back at U.S. supermarkets on up to $6,000 in purchases per year, then 1 percent.
  • 6 percent cash back on select U.S. streaming services, such as Netflix, Hulu or HBO.
  • 3 percent cash back at U.S. gas stations.
  • 3 percent on transit purchases.
  • 1 percent cash back on all other purchases.

Bank of America® Cash Rewards credit card

Best no annual fee card for groceries
The Bank of America Cash Rewards card offers grocery shoppers the opportunity to double down on cash back for food by selecting dining for its 3 percent category along with its very good 2 percent rate on grocery stores and wholesale clubs, with no annual fee.

If cardholders want something other than dining for the 3 percent rate, Cash Rewards offers the flexibility to let them choose their own category. However, the $2,500 quarterly spending cap on both categories is low.

Have a closer look:

  • $200 in online cash rewards when you spend $1,000 in the first 90 days.
  • 3 percent cash back on a category of your choice (gas, online shopping, dining, travel, drug stores or home improvements and furnishings).
  • 2 percent cash back at grocery stores and wholesale clubs.
  • $2,500 combined quarterly limit on 2 percent and 3 percent cash back categories.
  • 1 percent cash back on all other purchases.
  • No annual fee.

Alternative: Chase Freedom Unlimited

For those who don’t want to have to choose a spending category, but still want no annual fee with a higher spending cap, the Chase Freedom Unlimited offers a consistent 3 percent cash back on up to $20,000 in purchases in the first year.

  • 1.5 percent cash back on all purchases.
  • 1.5 percent additional cash back on all purchases for the first year, up to $20,000 in purchases.
  • Cash back rewards do not expire.
  • 0 percent intro APR on purchases and balance transfers for the first 15 months (then 16.99% – 25.74% variable).
  • No annual fee.

Capital One Savor Cash Rewards Credit Card

Best card for dining out rather than buying groceries

This card is for those with way too packed a social life to buy groceries. Sure, you get 2 percent cash back at grocery stores for those times your social calendar eases up and you can actually get to the store, but otherwise, you get way more return on your cash back when you dine out or see a show.

Plus, if you love concerts, 8 percent cash back on tickets through Vivid Seats is absolutely unprecedented.

The intro no annual fee stipulation doesn’t hurt either (then $95 annually).

Check out the details:

  • $300 cash bonus if you spend $3,000 in the first three months.
  • 8 percent cash back on tickets through Vivid Seats (offer expires May 2020).
  • 4 percent cash back on dining and entertainment.
  • 2 percent cash back at grocery stores.
  • 1 percent cash back on all other purchases.
  • No annual fee in the first year, $95 after that.

What’s up next?

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Published: May 9, 2019

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Credit Card Rate Report Updated: October 16th, 2019
Business
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Airline
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Cash Back
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