How to save money on groceries using a credit card? - Credit Card Rewards FAQ


ADVERTISING DISCLOSURE: is an independent, advertising-supported web site. receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Questions » FAQs » Credit Card Rewards » How to save money on groceries using a credit card?

How to save money on groceries using a credit card?

Answered on | Updated on May 23rd, 2017
The content is accurate at the time of publication and is subject to change.

Groceries make the biggest part of the average family budget and when you have an opportunity to save on such purchases, you can save a lot. There are a lot of tips and pieces of advice about how to save money while shopping in grocery stores, but most of them have one thing in common – they recommend using a rewards credit card, a cash back card in particular.

An average cash back credit card can save you at least 1% on purchases. That not much, but still better than nothing. The most popular cash back credit cards are Discover cards. Discover is well known for its cash back offers and its best credit cards offer up to 5% cash back in specific shopping categories. For example, Discover it® Cash Back allows to earn 1% cash back on all purchases and 5% cash back in rotating categories on up to $1,500 in purchases when you activate. Note that you need to register each decade to start getting rewards within the category.

Other credit card offers you will like are credit cards that offer cash back rewards on groceries. Grocery purchases usually get a higher reward rate on such cards. You can get extra money for every trip to a grocery store. Just make sure you pay off the card balance every month to get the most out of the card.

Store cards can also help you save on shopping. Many grocery stores have loyalty cards that give access to additional discounts or sales events.

There is a wide choice of rewards credit cards that can help you save on groceries and other purchases. Just make sure you choose the card that is good for your credit and the rewards program suits your shopping habits.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at
Excellent, Good Credit
Earn unlimited 1.5% cash rewards on all purchases.
Good, Excellent Credit
See Rates & Fees
Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Excellent, Good Credit

Other Questions in
Credit Card Rewards

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!