Are you tired of spending a fortune on groceries every month? Well, we’ve got some exciting news for you! We’ve rounded up the best credit cards that offer incredible rewards specifically for grocery shopping. Whether you have a large family to feed, work in the food industry, or simply love to cook and bake, these credit cards will be a game-changer for you. So, let’s dive in and discover the top credit cards for earning grocery rewards.
Top Cash Back and Points Cards for Groceries
When it comes to finding the perfect credit card for groceries, it’s essential to consider not only the rewards but also any costs involved. Some cards may have an annual fee, but if you spend a significant amount on groceries, they might be more beneficial in the long run. Let’s take a closer look at the best credit cards for earning grocery rewards:
Best for Unlimited Cash Back Rewards: Capital One(R) SavorOne(R) Cash Rewards Credit Card
The Capital One(R) SavorOne(R) Cash Rewards Credit Card offers unlimited cash back rewards, including 8% cash back on Capital One Entertainment purchases, 3% cash back at grocery stores, dining, entertainment, and eligible streaming services, and 1% cash back on all other purchases. With no annual fee and a wide range of redemption options, this card is definitely worth considering.
Best for a Variety of Rewards: American Express(R) Gold Card
The American Express(R) Gold Card is perfect for those who want a variety of rewards. It offers 4x points at U.S. supermarkets on up to $25,000 per year in combined purchases, 3x points for airfare booked with airlines or Amex Travel, and 1x point on other purchases. Although it has an annual fee, this card provides excellent benefits and valuable American Express Membership Rewards points.
Best for No Annual Fee: Blue Cash Everyday(R) Card from American Express
If you prefer a credit card with no annual fee, the Blue Cash Everyday(R) Card from American Express is a great choice. It offers 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas station purchases, up to $6,000 in annual purchases in each category. Plus, you’ll earn 1% cash back on all other eligible purchases. With additional statement credits and a complimentary ShopRunner membership, this card is perfect for regular grocery shoppers.
Best for Instacart Rewards: Instacart Mastercard(R)
For loyal Instacart customers who love grocery delivery, the Instacart Mastercard(R) is a must-have. It offers 5% cash back on Instacart purchases, 5% on travel booked through Chase, 2% at restaurants, gas stations, and select streaming services, and 1% everywhere else. Although it has an annual fee, the benefits and rewards make it worthwhile for frequent Instacart users.
Best for a 5% Reward in One Category: Citi Custom Cash(SM) Card
The Citi Custom Cash(SM) Card offers a 5% cash back reward in your highest eligible spending category each month on the first $500 in monthly spending. If groceries are your top spending category, you’ll earn 5% cash back on all your grocery purchases. This card has no annual fee and provides the flexibility to earn high rewards in different categories each month.
Our Methodology
To determine the best credit cards for groceries, we focused on cards that offered bonus points or cash back specifically for grocery store purchases. We considered all the benefits and fees of each card, including intro APR periods, annual fees, and other reward categories. Our goal was to find cards that provided unlimited or high-limit rewards for grocery shopping.
Maximize Your Cash Back Reward for Groceries
Different credit cards have different rules for earning and redeeming cash back rewards. Some cards automatically reward you for all purchases, while others require manual activation. Make sure to read the terms and benefits guide of your credit card to maximize the money you save on groceries.
How to Choose the Right Grocery Store Credit Card
When choosing a grocery store credit card, look for cards that offer a higher reward for supermarket purchases. If you know you’ll be spending a significant amount on groceries, a card that offers at least 3% cash back or 3x points in that category will be beneficial. Additionally, consider other rewards categories and welcome bonuses offered to new cardholders. Each card is unique, and the right one for you will depend on your specific needs and spending habits.
How to Buy Groceries Online with Your Credit Card
Buying groceries online has never been easier! Services like Instacart allow you to place a grocery order and have it delivered right to your doorstep. You can schedule delivery for as fast as an hour or pick up your groceries at a specified time. Many large grocery store chains also offer their own delivery services. Make sure to check for any fees or availability restrictions.
Who Should Apply for a Grocery Credit Card?
If you spend more than the average person on groceries, having a credit card that offers specific grocery rewards can save you money. Before selecting a card, check the cash back limits and if manual activation is required. These credit cards are a great choice for anyone who wants to maximize their savings on groceries.
For more information and to find the best credit card for your grocery shopping needs, visit Personal Finances Blog to stay up-to-date with the latest financial tips and tricks!
*Note: For rates and fees of the American Express(R) Gold Card, please visit this URL.
*Note: For rates and fees of the Blue Cash Everyday(R) Card from American Express, please visit this URL.
Frequently Asked Questions (FAQs)
Q: What cards give you cash back on groceries?
Plenty of cards offer cash back on groceries. Some cards have a flat rewards rate for all purchases, while others provide higher rewards specifically for grocery spending. Look for cards that suit your spending habits and offer the best cash back rates for your grocery purchases.
Q: How can you save more on groceries?
Besides using credit cards with specific grocery rewards, you can also save more on groceries by using store-specific coupons, discounts, and loyalty programs. Additionally, shopping for sales, buying in bulk, and planning meals can help you save money on your grocery bills.
Q: Does buying groceries with a credit card build credit?
Yes, buying groceries with a credit card and paying off your monthly balance on time can help build your credit. Making consistent, on-time payments is one of the key factors in establishing good credit.
Now that you have all the juicy details about the best credit cards for groceries, it’s time to start saving on your grocery shopping! Happy shopping and stay tuned to Personal Finances Blog for more insider tips and personal finance advice.