July 01, 2023

Best Credit Cards for Groceries in April 2024

The average cost of groceries for a family of four range from around $1,000 to $1,200 a month, and it's probably going to keep increasing due to the current economic environment. With the right credit card, you can earn hundreds of dollars back for this essential monthly expense in the form of cash back or rewards.

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The Blue Cash Preferred® Card from American Express
4.5/5 Read the review Learn More
Terms Apply
Rates & Fees
The Blue Cash Preferred® Card from American Express
- Annual Fee$95 More info
  $0 Intro annual fee for the first year, then $95
- Rewards Rate1% - 6%Cashback More Info
  Earn 6% cash back per dollar spent at U.S. supermarkets, up to $6,000 each year (then 1%) and 6% cash back on select U.S. streaming services. You'll also earn 3% cash back on gas from U.S. gas stations and transit expenses, including taxis, rideshare, parking, tolls, buses and more. Other purchases earn 1% cash back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Welcome Bonus$250Cash Bonus More Info
  Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- Recommended
  Credit Score670-850Good, Excellent More Info
  A credit score is used to indicate the creditworthiness of an applicant, but it is only one of several factors considered for approval. These credit scores alone are not guarantees for approval and should only be used as guidelines.
- - Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  - $0 intro annual fee for the first year, then $95.
  - Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  - Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  - 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  - 6% cash back on select U.S. streaming subscriptions.
  - 3% Cash Back at U.S. gas stations.
  - 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  - 1% cash back on other purchases
  - Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  - Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  - Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  - Terms Apply
- The Blue Cash Preferred offers outstanding rates of cash back in common categories like U.S. supermarkets, streaming services, gas stations and transit. If you have significant spending on these categories and care about cash back, then this card is for you.
Citi Premier® Card
4.5/5 Read the review Apply Now
Secure application on issuer’s website
Rates & Fees
Citi Premier® Card
- Annual Fee$95
- Rewards Rate1X-10XPoints More Info
  10X total ThankYou® Points per $1 spend on hotel, car rentals and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. 3X -- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels 3X -- Earn 3 Points per $1 spent at Restaurants and Supermarkets 1X -- Earn 1 Point on All Other Purchases
- Sign Up Bonus60,000Citi ThankYou Points More Info
  Earn 60,000 bonus ThankYou Points after making $4,000 worth of purchases during the first three months of account opening. Dollar Equivalent: $1,080 (60,000 Citi ThankYou Points * 0.018 base)
- Recommended
  Credit Score670-850Good, Excellent More Info
  A credit score is used to indicate the creditworthiness of an applicant, but it is only one of several factors considered for approval. These credit scores alone are not guarantees for approval and should only be used as guidelines.
- - Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  - Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  - Earn 3 Points per $1 spent at Restaurants and Supermarkets
  - Earn 1 Point per $1 spent on all other purchases
  - Annual Hotel Savings Benefit
  - 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
  - No expiration and no limit to the amount of points you can earn with this card
  - No Foreign Transaction Fees on purchases
- The Citi Premier® Card, from our partner Citi, is worth considering if you’re looking for accelerated travel rewards but don’t want to pay a huge annual fee. It’s easy to quickly rack up lots of points on this card. While you can redeem ThankYou points for gift cards, you’ll get more value when you redeem points for flights and hotels, and potentially even better value when you transfer points to travel partners.
Blue Cash Everyday® Card from American Express
4/5 Read the review Learn More
Terms Apply
Rates & Fees
Blue Cash Everyday® Card from American Express
- Annual Fee$0
- Rewards Rate1% - 3%Cashback More Info
  Earn 3% cash back on groceries at U.S. supermarkets up to $6,000 each year (then 1%), 3% cash back on U.S. online retail purchases, on gas at U.S. gas stations, and finally 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Welcome Bonus$200Cash Bonus More Info
  Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
- Recommended
  Credit Score670-850Excellent, Good More Info
  A credit score is used to indicate the creditworthiness of an applicant, but it is only one of several factors considered for approval. These credit scores alone are not guarantees for approval and should only be used as guidelines.
- - Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  - No Annual Fee.
  - Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  - 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  - 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  - 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  - Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  - Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  - Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  - Terms Apply
- The Blue Cash Everyday Card is a great cash-back American Express card with no annual fee. It earns a solid 3% cash back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations, on up to $6,000 per year.

Annual Fee

Rewards Rate

Bonus Offer

Recommended
Credit Score

The Blue Cash Preferred® Card from American Express

Read the review Learn More

Terms Apply

Rates & Fees

$95

1% - 6%Cashback

$250Cash Bonus

670-850Good, Excellent

Citi Premier® Card

Read the review Apply Now

Secure application on issuer’s website

Rates & Fees

$95

1X-10XPoints

60,000Citi ThankYou Points

670-850Good, Excellent

Blue Cash Everyday® Card from American Express

Read the review Learn More

Terms Apply

Rates & Fees

1% - 3%Cashback

$200Cash Bonus

670-850Excellent, Good

Best Credit Cards for Buying Groceries

If you want to master the art of earning credit card rewards, there’s one essential rule you need to follow: Never spend extra money on your quest for points or cash back.

Instead, successful credit card reward hacking consists of earning points, miles or cash back from purchases you’d need to make anyway. There are credit cards that offer higher rewards for another common expense: grocery shopping.

According to the USDA, the cost of feeding a family of four a nutritious diet can run between $565 to $1,286 per month. If you use the right grocery store rewards credit card to pay for those purchases (and pay off your full balance each month), you could enjoy some valuable perks.

We’ve rounded up the best rewards credit cards for groceries from our partners to help you earn rewards every time you swipe at the supermarket.

Methodology

We chose our best rewards credit cards based on the total value they offer to cardholders through ongoing rewards, sign-up bonuses, 0% APR promotions and other perks. We also broke the cards down into clear categories that highlight features that credit card users are typically interested in — for example, premium travel vs. general travel, flat rewards vs. tiered rewards, and so on.

While some cards charge annual fees, we only picked ones that make it easy to make up for them with the value they provide. Before you apply, though, take some time to compare these cards with other top credit card offers to make sure you get the best fit for you.

Best Credit Cards for Groceries and Supermarkets FAQ

Most grocery rewards credit cards provide cash back, points or miles on purchases made at grocery stores, supermarkets and even online grocery spending. In general credit cards that offer accelerated rewards earning for groceries will award cardholders additional rewards every time they make purchases at a retailer that codes as a grocery store.
It depends on the credit card issuer. American Express typically only provides bonus rewards for purchases made at U.S. supermarkets. However, Chase and Capital One will generally award accelerated earnings to purchases at worldwide grocery stores. Check with your credit card issuer for specific details.
Each credit card will have its own qualifying credit score requirement. In many cases, you’ll need a credit score of 670 or higher to qualify for a rewards credit card. Applicants with bad credit will most likely have a difficult time getting approved, but people with fair credit (FICO 580 to 669) or poor credit (300 to 579) may qualify for a secured credit card that offers points or cash back on all purchases, including groceries.
Some travel and cash-back credit cards offer higher-than average rewards when you make purchases at supermarkets and grocery stores. Earning rewards for buying groceries is as easy as shopping at your local supermarket and paying with your credit card.
A grocery rewards credit card is the same as a rewards credit card that offers accelerated rewards earning for spending at grocery stores and supermarkets. Rewards vary by card issuer and a card user’s spending habits.

Best Credit Cards for Groceries in April 2024

The Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express

Product Details

Why We Like It

Citi Premier® Card

Citi Premier® Card

Product Details

Why We Like It

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Product Details

Why We Like It

The Blue Cash Preferred® Card from American Express

Citi Premier® Card

Blue Cash Everyday® Card from American Express

Best Credit Cards for Buying Groceries

Methodology

Best Credit Cards for Groceries and Supermarkets FAQ

How Do Grocery Rewards Credit Cards Work?

Do Credit Cards Earn Rewards in Grocery Stores Outside of the U.S.?

Can You Get a Grocery Rewards Credit Card With Bad Credit?

How Can You Earn Rewards on Groceries With Credit Cards?

What Is a Grocery Rewards Credit Card?