You’ll also earn a $300 statement credit when you spend $3,000 on purchases during the first 6 months after your account opens. New cardholders get a decent bonus offer and an introductory 0% APR period. Citi Simplicity® Card. American Express® Gold Card: Best for big supermarket spenders. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. The Chase Freedom® and select Discover cards like the Discover it® Cash Back pay a higher rate on groceries for only three months at a time when you activate rewards categories — but what a rate it is. The American Express® Gold Card can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants worldwide and on certain flights booked through amextravel.com. There's no 0% intro period for purchases and no sign-up bonus, but the high rewards rate more than makes up for the lack of bells and whistles. This offer doesn't include a sign-up bonus or a 0% intro APR period for purchases. Click the card name to read our review. The Blue Cash Everyday® Card from American Express pays elevated rewards at U.S. supermarkets, U.S. gas stations and select U.S. department stores. Here’s why: If you want to save money on groceries without paying for an annual fee, take a look at the Blue Cash Everyday® Card from American Express. However, finding the best cashback credit card for buying groceries can help you earn valuable rewards and even discounts, softening the impact to your budget — and saving you money on food. If you don't mind putting some work into your rewards, check out the U.S. Bank Cash+™ Visa Signature® Card. You’ll also earn 1% cash back on all other purchases. Other bonus categories on both cards tend to be common expenses, meaning it's not hard to get great value out of them. Neither card charges an annual fee. Reasonable efforts are made to maintain accurate information. There's a nice bonus offer for new cardholders and an introductory 0% APR period, too. Best Initial Bonus. Best for Students. The sign-up bonus is smaller than on the annual-fee version, too, but it's still solid. .) That’s easy. 6% Cash Back on select U.S. streaming subscriptions. The rewards it pays in those categories — particularly at U.S. supermarkets and on select streaming services — are among the richest of any card. 3.0/5. Best Mastercard for groceries ... For the best credit cards 2020 ranking we ran the numbers for each of the cards in the seven categories based on … Read our review. Blue Cash Preferred® Card from American Express. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Families with big grocery bills can save hundreds of dollars by paying for them with a credit card that offers elevated rewards at the supermarket. It pays a lower cash-back rate on dining and entertainment than the regular Savor card, but the rewards are nevertheless quite good. Rewards on $5,000 a year in U.S. supermarket spending: $300. In recent years, both cards have offered grocery stores as a 5% category. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Each features four different 5% cash back categories each year, giving you three months to earn up to $75 in cash back rewards in the featured category. The combined quarterly spending cap on the 2% and 3% rewards creates complications. The Capital One® Savor® Cash Rewards Credit Card also offers a $300 cash bonus after you spend $3,000 on purchases during the first 3 months after opening the card. 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% cash back on all other purchases. Pre-qualified offers are not binding. $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Consider the. Best for Walmart groceries: Capital One® Walmart Rewards® Card. Ongoing high cash back with no annual fee. And if you're tired of cooking? The Blue Cash Everyday® Card from American Express earns 3% cash back at U.S. supermarkets (on up to $6,000 spent per year, then 1%), 2% back at U.S. gas stations and select U.S. department stores, and 1% back on everything else. And if you're tired of cooking? Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. Check out our review of the Target RedCard™. We searched far and wide for the best credit cards for groceries. Here’s why: The Capital One® Savor® Cash Rewards Credit Card rewards you for purchases made at grocery stores and dining at restaurants — for those nights when you don’t feel like cooking. Rewards on $5,000 a year in grocery store spending: $100. You earn 2% back at grocery stores and wholesale clubs, a solid rate. If you buy your groceries wholesale-club-style, the, earns 2% cash back at Costco and Costco.com. Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748). Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. Terms apply. The card also gives 1% on everything else. *See the online provider's credit card application for details about terms and conditions. CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607 In addition to the $0 annual fee, there’s also a great 0% intro APR offer and a sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Since I began writing about credit cards in 2008, I’ve seen hundreds of products come and go. Intro offer Recommended Credit Score. (. Then, make sure you use that card every time you go grocery shopping. Blue ... Best Overall Cards for Groceries. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). The standard variable APR for Citi Flex Plan is 15.24%. Capital One® Walmart Rewards® Mastercard® – Best for earning cash back on Walmart purchases. Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. On each card, you earn 5% cash back in rotating categories that you activate, on up to $1,500 per quarter in spending, and 1% cash back on all other purchases. , the average U.S. household spent $4,363 on "food at home" in 2017, the most recent year available. Discover will automatically match all the cash back you've earned at the end of your first year! If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. You’ll also get a welcome bonus of 60,000 points when you spend $4,000 with the card in your first 6 months after account opening. All financial products, shopping products and services are presented without warranty. Otherwise, the interest charges will add up over time and you’ll have less money to go toward feeding yourself — or your family. It also earns 4% cash back on eligible gas purchases (both at Costco and at other gas stations) on the first $7,000 per year (1% thereafter), as well as 3% cash back on restaurants and eligible travel purchases. . Best for Whole Foods and Amazon customers: Amazon Prime Rewards Visa Signature Card. Credit Karma is committed to ensuring digital accessibility for people with disabilities. Redeem your points for Amazon.com purchases at a value of 1 cent per point. The Capital One® Savor® Cash Rewards Credit Card comes with an annual fee of $95. When evaluating offers, please review the financial institution’s Terms and Conditions. Plus, you’ll get 1% cash back on all other purchases. Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. FULL LIST OF EDITORIAL PICKS: If you have specific questions about the accessibility of this site, or need assistance with using this site, contact us. Best for … Terms apply. Love the night life but dead-set against paying an annual fee? Terms apply. You earn 2% cash back on every purchase — 1% when you buy something and 1% when you pay it off. There's an annual fee, and it's high for a cash-back card: $0 intro for the first year, then $95. © 2007–2021 Credit Karma, LLC. Paying for groceries with a card that earned just 2% rewards on groceries would have earned such a household more than $87. The card's annual fee is $0, but you must be an Amazon Prime member, which does require a yearly fee. The Target RedCard™ offers a 5% discount on most in-store purchases, including groceries. INTRO OFFER: Unlimited Cashback Match – only from Discover. … This can be an annual savings of up to $120. Here are our top supermarket cards from all issuers. Read our review. This card is for someone who spends a lot on groceries AND likes to travel. App Store is a service mark of Apple Inc. Rewards on $5,000 a year in U.S. supermarket spending: $200 (assuming redemption value of 1 cent per point). Chase Freedom Flex. However, all credit card information is presented without warranty. It earns 2% back on all purchases — 1% when you buy and 1% back when you pay it off. Terms Apply. is the industry champ. If you spend at least $61 per week at the supermarket, you’re actually better off paying the annual fee on the. Redeem your points for Amazon.com purchases at a value of 1 cent per point. The Blue Cash Everyday® Card from American Express offers a solid 3% cash back on up to $6,000 in purchases a year at U.S. supermarkets, then 1%. Plus, you’ll get 1% cash back on all other purchases. Maximum rewards on $5,000 a year in grocery store spending: $100 (for Preferred Rewards customers: $125, $150 or $175). pay a higher rate on groceries for only three months at a time when you activate rewards categories — but what a rate it is. Our pick for: Ongoing high cash back with no annual fee. Credit Karma Mortgage, Inc. NMLS ID# 1588622 |, Credit Karma Offers, Inc. NMLS ID# 1628077 |. Here’s why: If you prefer travel rewards to cash back, the American Express® Gold Card offers a consistently high earning rate on groceries. Just make sure you pay off your credit card on time and in full every month. Read our review. Major card issuers offer Mastercards for every segment of the market. can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants worldwide and on certain flights booked through amextravel.com. When you book travel, the card also offers three points per $1 on flights booked directly with airlines or at amextravel.com. earns 4 Membership Rewards points per dollar spent at U.S. supermarkets on up to $25,000 per year in purchases. Citi Double Cash® Card. gives you a little more control over your credit card rewards by letting you choose which category earns the highest cash-back rate, from a list that includes gas stations, restaurants, travel and others. To get the most out of your grocery credit card, you need to figure out what type of shopper you are and decide on the credit card that best fits your needs. It earns 5% back at Whole Foods, plus 5% back at Amazon.com, 2% back at restaurants, gas stations and drugstores, and 1% everywhere else. The offers for financial products you see on our platform come from companies who pay us. Here is a list of, Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate, Families with big grocery bills can save hundreds of dollars, by paying for them with a credit card that offers elevated rewards at the supermarket. BEST CREDIT CARDS FOR GROCERIES, If your household spends a lot on groceries, gas, transit and streaming services, the. The MBNA Rewards World Elite Mastercard is the best Mastercard to use at Costco since it offers double the points (the equivalent of 2% in travel rewards) on all purchases everywhere - including those made at the warehouse retailer or when shopping online. New cardholders get a decent bonus offer and an introductory 0% APR period. All other spending earns 1% back. There's no 0% intro period for purchases and no sign-up bonus, but the high rewards rate more than makes up for the lack of bells and whistles. Terms apply. The total amount repayable will be $6,767.64. If you don't travel much, forget the 4X points and look elsewhere. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. , you earn 2% cash back at grocery stores and wholesale clubs and 3% cash back in a category of your choice, on up to $2,500 in combined spending per quarter. Here’s what you’ll earn on purchases using this card. » Rewards on $5,000 a year in groceries at Costco: $100. Blue Cash Everyday® Card from American Express: Best for cash back with no annual fee (see rates & fees) Citi® Double Cash Card: Best for unlimited cash back with no annual fee. It also earns 4% cash back on eligible gas purchases (both at Costco and at other gas stations) on the first $7,000 per year (1% thereafter), as well as 3% cash back on restaurants and eligible travel purchases. You can also earn 4 points per dollar at restaurants worldwide, with no annual cap. You pick which categories earn the most cash back — you get two 5% categories and a 2% category — and you can change those options every quarter. $0 introductory annual fee for one year, then $95. Not interested in carrying a special card just for groceries? 2% Cash Back on All Eligible Purchases, Including Supermarket Purchases. Credit Karma® is a registered trademark of Credit Karma, LLC. You also get 2% back at U.S. gas stations and certain U.S. department stores, and 1% cash back on everything else. The rewards it pays in those categories — particularly at U.S. supermarkets and on select streaming services — are among the richest of any card. The rewards aren't as rich as on the Blue Cash Preferred® Card from American Express, but this card doesn't charge an annual fee. has been our choice for the best flat-rate cash-back card. The Citi® Double Cash Card – 18 month BT offer is a great one-card solution. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid bonus offer for new cardholders. The Target REDcard™ Credit Card doesn't offer rewards in the form of cash back or points, but you could argue that it gives you something even better: an immediate 5% discount on nearly everything you buy at Target, either in-store or online. $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. The ability to choose your 3% category (from gas, online shopping, dining, travel, drugstores, or home improvement /furnishings) makes this card worth considering even if you're not eligible for Preferred Rewards. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. The rewards aren't as rich as on the, , but this card doesn't charge an annual fee. NerdWallet's ratings are determined by our editorial team. These offers are no longer available on our site: Target RedCard™, Capital One® Savor® Cash Rewards Credit Card. The best credit cards for grocery shopping pay at least 3% in rewards. Costco Anywhere Visa Card by Citi: Best for groceries and gas. Check out our review of the Blue Cash Preferred® Card from American Express. Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. And in some cases, rewards rates apply to grocery delivery, too. The top options offer the potential to earn significant rewards on grocery spending. The cards identified above can earn elevated rewards regardless of the supermarket or grocery store where you shop. Consider the Capital One SavorOne Cash Rewards Credit Card. According to federal consumer expenditure data, the average U.S. household spent $4,363 on "food at home" in 2017, the most recent year available. This card's simplicity is its not-so-secret weapon: No bonus categories to contend with or spending caps to worry about. To earn cash back, pay at least the minimum due on time. , although you have to be a Costco member to apply, and membership starts at $60 a year. Best for Online Grocery Shopping: Amazon Prime Rewards Visa Signature® Card Best for Gas Stations and Groceries: PenFed Platinum Rewards Visa Signature® Card Best … Terms apply to the offers listed on this page. The American Express® Gold Card earns 4 Membership Rewards points per dollar spent at U.S. supermarkets on up to $25,000 per year in purchases. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. In addition to the great rewards rates, you can earn a nifty new-cardholder bonus: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Overall, the right credit card for groceries depends on such factors as where you shop and your budget constraints. Rewards on $5,000 a year in grocery store spending: $100. The ability to choose your 3% category (from gas, online shopping, dining, travel, drugstores, or home improvement /furnishings) makes this card worth considering even if you're not eligible for Preferred Rewards. We may receive compensation when you click on links to those products. On each card, you earn 5% cash back in rotating categories that you activate, on up to $1,500 per quarter in spending, and 1% cash back on all other purchases. You’ll earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Target REDcard™ – Best for earning cash back on Target purchases. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. But when American Express endowed their long standing Gold card with 4x points at U.S. supermarkets in the fall of 2018, that got my attention. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. When evaluating offers, please review the financial institution’s Terms and Conditions. That's why we provide features like your Approval Odds and savings estimates. Best Grocery Rewards Credit Card for Less-than-Perfect Credit. Read our review. Terms Apply. It earns 2% back on all purchases — 1% when you buy and 1% back when you pay it off. You’ll also receive a $100 Amazon.com gift card automatically after being approved for the card — a decent amount to put toward groceries or other Amazon purchases. The above Chase cards meet that standard, although for a limited time. Rewards on $5,000 a year in U.S. supermarket spending: $150. (We determine likely grocery-rewards earnings using a card’s rewards-earning rate and average consumer spending data.) 1%-2% Cashback. Maximum rewards on $5,000 a year in grocery store spending: $100 (for Preferred Rewards customers: $125, $150 or $175). Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. ALSO CONSIDER: Best credit cards || Best cash back credit cards || Best rewards credit cards || Best 0% credit cards. The Blue Cash Preferred® Card from American Express is the industry champ. Here’s why: If you live near a Target, you could save a lot of money on groceries with the Target RedCard™. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). The card also comes with a $250 annual fee, so you’ll need to take advantage of those points to get value. If you shop at Costco, Whole Foods or Target, consider these options. The annual fee is, Not interested in carrying a special card just for groceries? You earn 2% cash back on every purchase — 1% when you buy something and 1% when you pay it off. There's a good bonus offer for new cardholders, too. Capital One® Savor® Cash Rewards Credit Card – Best for earning cash back on groceries and dining out. Rewards on $5,000 a year in U.S. supermarket spending: $150. The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. By answering questions like these, we were able to figure out which credit cards are best for different types of grocery shoppers. Other bonus categories on both cards tend to be common expenses, meaning it's not hard to get great value out of them. , you get a 0% intro APR period, and you can earn a sign-up bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. Chase Freedom Unlimited® Depending on the credit card you select, you might be able to earn a sign-up bonus or rewards that could help pay for groceries. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. When comparing the best credit cards for groceries, we looked at a number of features across eligible cards, including which grocery stores were eligible, points or cash back earned per dollar spent, limitations on cashback percentages, annual fees, introductory APRs and other reward perks a consumer might consider. You’ll earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. The annual fee is. This card comes with a great 0% intro APR period, plus a welcome offer: Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months. But how they save money depends on where they are in life and their shopping habits. The other cards on this page offer elevated grocery rewards year-round. Terms Apply. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid bonus offer for new cardholders. is for you. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. Imagine saving that kind of money at the checkout — without even needing to clip coupons! » Rewards on $5,000 a year in groceries at Whole Foods: doesn't offer rewards in the form of cash back or points, but you could argue that it gives you something even better: an immediate 5% discount on nearly everything you buy at Target, either in-store or online. Rewards on $5,000 a year in U.S. supermarket spending: $200 (assuming redemption value of 1 cent per point). Bank of America® Cash Rewards credit card. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Love the night life but dead-set against paying an annual fee? There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. The, Citi® Double Cash Card – 18 month BT offer. Imagine saving that kind of money at the checkout — without even needing to clip coupons! When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website. But if you spend around $31 per week at the supermarket, you'll make that up in cash back — and that's not even taking into account rewards earned in the card's other bonus categories. All other spending earns 1% back. This date may not reflect recent changes in individual terms. 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% cash back on all other purchases. Paying for groceries with a card that earned just 2% rewards on groceries would have earned such a household more than $87. The best grocery credit cards of 2021 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. Our partners compensate us. And there’s no annual fee to eat into your rewards. There's also a welcome offer: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Plus, there's a good 0% intro APR offer. Pre-qualified offers are not binding. The annual fee is $0, you get a 0% intro APR period, and you can earn a sign-up bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. There's no minimum … Here’s why: The Citi Simplicity® Card has one … Saving money. So how do we make money? There's a nice bonus offer for new cardholders and an introductory 0% APR period, too. It might be the most customizable cash back card available. American Express® Gold Card: Best for big spenders earning travel rewards.

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