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Best Credit Cards with
grocery rewards FROM
OUR PARTNERS
Grocery shopping is one of our biggest monthly expenses. We all spend money on groceries and other basics, so why not earn some cash back, points or miles in the process. Today a lot of cash back cards for grocery stores are offered to consumers. You can buy food and save all year-round using a grocery rewards card.
Credit Card Offer to Earn More in January 2020
MAXIMIZE YOUR REWARDS ON GROCERIES
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
Winter 2020: Credit Cards for Groceries
Grocery stores rewards category is one of the popular categories. Credit card issuers often give this category higher cash back rewards and thus allow consumers to earn back from their grocery shopping. Here's our shortlist of leading credit cards that will let you earn rewards on grocery shopping every day and throughout each year you have a credit card. Review the offers to see if there is a grocery credit card for you.
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our choice
- The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- 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 thankyou.com
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
- The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
our choice
- Click "APPLY ONLINE" to apply now
- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
our choice
our choice
- UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
- Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
- No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
- Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
our choice
our choice
- Click "APPLY ONLINE" to apply now
- Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
- Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- No foreign transaction fees
- Capital One cardholders get access to premium experiences in dining, entertainment and more
- $0 intro annual fee for the first year, $95 after that
our choice
our choice
- 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.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
- Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
- Balance Transfers do not earn cash back.
- The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
our choice
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. based customer service.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
our choice
our choice
- Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
- No Annual Fee
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Earn 1 AAdvantage® mile for every $1 spent on other purchases
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
- The standard variable APR for Citi Flex Plan is 17.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
our choice
- 40,000 Bonus LifeMiles after first card use.
- Earn 3 LifeMiles per $1 spent on Avianca purchases
- Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
- Earn 1 LifeMile per $1 spent on all other purchases
- No foreign transaction fees
- 15% discount on purchases of miles with Multiply Your Miles
- Free additional piece of baggage for travel between the United States and Central America
- A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
- An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
- 0% Introductory offer for 12 months on Balance Transfers
- Chip-enabled card provides added security
- Auto Rental Collision Damage Waiver
- Travel Accident Insurance
- Protection against unauthorized charges
- Emergency Card Replacement
- Online Account Management
- Electronic Statements
- Auto-pay option
our choice
our choice
- Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
- CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
- Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
- Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
- Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
- Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
our choice
Capital One® Savor® Cash Rewards Credit Card
GREAT BONUS OFFER
TO GET IN January 2020
- Click "APPLY ONLINE" to apply now
- Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
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questionsABOUT
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How to Choose a Credit Card
for Grocery Shopping
Choosing a right credit card for grocery or supermarket purchases may not be that easy as it seems. There are a lot of different credit cards with different rewards programs out there and finding just one for you may be a difficult task.
Start with Cash Back Rewards
Cash rewards are easy to understand and to calculate. Most cards come with fixed cash back rewards per dollar spent. They also may give bigger cash back in one or two shopping categories (like gas, restaurants, grocery). This type of cards is good for those who are new to the world of rewards. Another type of cash back rewards cards are cards with additional rewards in rotating shopping categories. Rotating categories change every quarter and grocery shopping may get additional cash back only once a year for three months. Rewards in changing categories are usually capped.
Loyalty Program Rewards
Co-branded credit cards may also come with big rewards in specific categories like grocery or gas. You can earn point rewards or miles rewards towards the loyalty program and then redeem them for airline tickets, hotel stays, rental cars and other rewards.
Once you've decided on a couple of credit cards, take your average food bill and make some calculations to see your potential savings. Don't forget to take into account possible annual fees and other charges. Note that it is recommended to pay off the rewards card balance in full each month to get the most out of your grocery credit card. When calculating your savings, pay attention to these things as well:
- How credit cards for groceries work. Credit cards for groceries are usually cash back credit cards that give higher cash back on grocery purchases. Other non-bonus purchases usually earn a standard 1% cash back. Thus, if you want to maximize your rewards in the grocery stores rewards category, look for a credit card that gives higher percentage back in this category.
- Know about rewards caps. Some credit cards with rewards categories put caps on how much you can get back in a particular rewards category. These caps limit to how much cash back you can earn per quarter or per year. So, check this out to make sure you still will be able to earn maximum rewards.
- Check out redemption options. This is probably as important as earning rewards. Redemption options depend on the card issuer, but all of them offer at least one of the following: statement credits, direct deposits, checks. Some issuers also allow to redeem through a shopping portal or to purchase gift cards from select retailers.
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GROCERY CREDIT CARDS
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