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- Best Credit Cards
- Best Grocery Credit Cards
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Grocery credit cards are one of the easiest ways to save money on your normal grocery spending. In America, the average family's grocery spending is $4,500 per year. If you're able to earn 6% back (a real possibility with some cards), you'd be earning an extra $270 per year in cash back automatically -- no coupon clipping required.
The best grocery credit cards of 2020 have a few things in common: low fees, lots of cash back and rewards, and the ability to swipe at the grocery stores you shop at most often. Luckily, there are plenty of options to choose from. Here are our picks for the best credit cards for grocery shopping in 2020:
Great for: Highest U.S. supermarkets cash back
Bottom Line
The U.S. supermarkets and gas stations rewards are clear standouts, in addition to a leading welcome offer and a nice 0% intro APR offer. Read Full Review
Credit Rating Requirement:
Rewards
6% cash back at U.S. supermarkets ($6,000 spending cap per year), 3% cash back at U.S. gas stations and on transit, 1% back on all else
Annual Fee
$0 for the first year, then $95.
Foreign Transaction Fee
2.7% of each transaction after conversion to US dollars.
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Ongoing APR
13.99%-23.99% Variable
Welcome Bonus
$300 after spending $3,000 within 6 months
Highlights
Great for: U.S. supermarkets with no annual fee
Bottom Line
One of the highest rewards-earning gas and U.S. supermarkets cards we've seen with no annual fee. The lucrative Amazon.com cash back, big welcome bonus, and 0% intro APR offer round out a diverse feature set. Read Full Review
Credit Rating Requirement:
Rewards
3% cash back at U.S. supermarkets ($6,000 spending cap per year), 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on all else
Annual Fee
$0
Foreign Transaction Fee
2.7% of each transaction after conversion to US dollars.
Intro APR
Purchases: 0%, 15 months
Balance Transfers: N/A
Ongoing APR
13.99%-23.99% Variable
Welcome Bonus
$200 after spending $1,000 within 3 months
Highlights
Great for: Bonus cash back
Bottom Line
Earn up to 5% cash back in rotating quarterly categories, up to the quarterly maximum when you activate. Somehow this card also packs in a 0% intro APR offer for no annual fee. Read Full Review
Credit Rating Requirement:
Rewards
Cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Unlimited cash back on all other purchases - automatically
Annual Fee
$0
Intro APR
Purchases: 0%, 14 months
Balance Transfers: 0%, 14 months
Ongoing APR
11.99% - 22.99% Variable APR
Welcome Bonus
Dollar-for-dollar match of all cash back earned the first year
Highlights
Great for: One-card wallet
Bottom Line
Earn up to 2% on all purchases - 1% when you buy, and 1% when you pay the minimum each month. Add that to no annual fee and an 18 month 0% intro APR offer on balance transfers and this card is a winner. Read Full Review
Credit Rating Requirement:
Rewards
2% cash back: 1% when you buy plus 1% as you pay
Annual Fee
$0
Intro APR
Purchases: N/A
Balance Transfers: 0%, 18 months
Ongoing APR
13.99% – 23.99%, variable
Welcome Bonus
N/A
Highlights
Great for: Restaurants and travel
Bottom Line
The welcome offer, lucrative dining, U.S. supermarkets, and travel rewards more than justify the annual fee for most who spend in these categories. Read Full Review
Credit Rating Requirement:
Rewards
4x points for dining worldwide and U.S. supermarkets purchases ($25,000 annual spending cap), 3x points for travel booked with airlines or amextravel.com, 1x on all else
Annual Fee
$250
Foreign Transaction Fee
None
Intro APR
Purchases: N/A
Balance Transfers: N/A
Ongoing APR
See Pay Over Time APR
Welcome Bonus
60,000 Membership Rewards® Points after spending $4,000 within 6 months
Highlights
Great for: Restaurants, groceries, and gas
Bottom Line
A solid pick with the recent addition of airlines transfer partners. It's a great fit for earning cash back on a variety of purchases. Read Full Review
Credit Rating Requirement:
Rewards
3x points at restaurants and supermarkets as well as at gas stations, air travel, and hotels, 1x points on all else
Annual Fee
$95
Intro APR
Purchases: N/A
Balance Transfers: N/A
Ongoing APR
15.99% - 23.99% (Variable)
Welcome Bonus
60,000 points after spending $4,000 within 3 months
Highlights
Great for: Cash back in your category of choice
Bottom Line
Includes a market-leading bonus in the no-annual fee category and a flexible cash rewards program that enables you to earn premium cash back in a category of your choice. Plus, the long intro APR offer makes this card a standout among its peers. Read Full Review
Credit Rating Requirement:
Rewards
3% cash back in your choice category, 2% at grocery stores & wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% on all other purchases.
Annual Fee
$0
Intro APR
Purchases: 0%, 12 billing cycles
Balance Transfers: 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days
Ongoing APR
13.99% - 23.99% Variable
Welcome Bonus
$200 after making at least $1,000 in purchases within 90 days of account opening
Highlights
Great for: Whole Foods and Amazon Grocery Shoppers
Amazon Prime Rewards Visa Signature Card
What We Like About The Card
The fact that this card includes no annual fee makes it a no-brainer for Amazon Prime members. Simply put, the cash-back rate is among the highest you'll find for Amazon and Whole Foods purchases. Read Full Review
Credit Rating Requirement:
Rewards
5% back at Amazon and Whole Foods, 2% back at restaurants, gas, and drugstores, 1% back on all else
Annual Fee
$0
Foreign Transaction Fee
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Ongoing APR
14.24% - 22.24%, variable
Welcome Bonus
$100 Amazon gift card
Highlights
Great for: Bonus and 0% intro APR
U.S. Bank Altitude® Go Visa Signature® Card
Bottom Line
A rare, great pick that offers lucrative rewards (up to 4x points), a big bonus, and a competitive 0% intro APR offer, all somehow with no annual fee. Read Full Review
Credit Rating Requirement:
Rewards
4 points per $1 on dining, 2 points per $1 on groceries, gas, and streaming services, 1 point per $1 on all else.
Annual Fee
$0
Intro APR
Purchases: 0%, 12 billing cycles
Balance Transfers: 0%, 12 billing cycles for transfers made within 60 days
Ongoing APR
14.99% - 23.99%, variable
Welcome Bonus
25,000 points after spending $1,000 within 90 days
Highlights
Grocery credit cards are special types of credit cards that offer more rewards for buying groceries. Grocery cash back credit cards generally fall into two main categories: general rewards credit cards that earn points on grocery purchases, or store-specific credit cards that can only be used with one grocery store.
With some credit cards with grocery rewards, you'll earn points or cash back on all of your spending with that card (whether it's at a grocery store or not). The difference is that you'll earn more points when you use the credit card for grocery purchases. For example, you might earn 1% cash back on all purchases, but 3% cash back on grocery credit card purchases.
For store-specific credit cards for groceries, you'll earn points or cash back for grocery purchases made at that store. Some cards let you make purchases in other stores too, but you'll probably earn less rewards. These credit cards for grocery stores sometimes come with other perks, such as discounts on gas fill-ups at the grocery store, special gifts, or extra sales.
Here’s what you should look for:
Grocery credit cards are a good idea when you spend a lot on groceries. Credit cards for groceries are especially helpful to those with families, people who like to cook, and those trying to save money on food costs by not dining out as much. (If you dine out frequently, there are restaurant credit cards that offer better rewards for your lifestyle.)
Another thing to consider is whether you want to use credit cards for groceries. Credit cards aren't right for everyone. Many grocery store chains already offer free store loyalty programs that offer savings. Even the best grocery cash back card may not be the best choice for someone who prefers debit cards or cash.
If you already have a credit card, getting another credit card to use for groceries adds a bit more complexity to your finances. You have to remember to use that credit card to pay for groceries, check your statements, and remember to make monthly payments. It's a small hassle for the reward of getting cash back on groceries. But for some people, it might not be worth it.
How do you know if a grocery cash back credit card is worth the trouble? Figure out how much you'll earn each year. For example, let's imagine you spend about $1,000 per month at the supermarket. You find a grocery credit card that offers 5% cash back on groceries, and doesn't charge an annual fee. In this scenario you'll earn about $600 cash back on groceries per year. For most people, that's worth the extra hassle of managing another credit card for groceries. Your case might be different. Only you can run the numbers for yourself and see if a credit card with grocery rewards is right for you.
A grocery credit card is a type of card that offers a higher amount of cash back or points on grocery purchases. This can be on all grocery purchases, or, in the case of store-specific cards, the bonus might only be offered for grocery purchases made at that store.
The best credit cards for groceries have a high percentage of cash back, can be used at the grocery stores you shop at most frequently, and come with few fees.
Card | Rating | Great For |
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Rating image, 5.0 out of 5 stars.
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Great For: Highest U.S. supermarkets cash back |
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Rating image, 4.5 out of 5 stars.
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Great For: U.S. supermarkets with no annual fee |
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Rating image, 5.0 out of 5 stars.
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Great For: Bonus cash back |
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Rating image, 5.0 out of 5 stars.
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Great For: One-card wallet |
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Rating image, 4.5 out of 5 stars.
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Great For: Restaurants and travel |
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Rating image, 4.5 out of 5 stars.
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Great For: Restaurants, groceries, and gas |
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Rating image, 4.5 out of 5 stars.
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Great For: Cash back in your category of choice |
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Rating image, 4.0 out of 5 stars.
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Great For: Whole Foods and Amazon Grocery Shoppers |
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Rating image, 5.0 out of 5 stars.
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Great For: Bonus and 0% intro APR |
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