The Blue Cash Everyday® Card from American Express is a no-fee rewards card that is truly ideal for grocery spending. With this card, you’ll earn 3% cash back on your first $6,000 at U.S supermarkets each year (then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores, and 1% cash back on all other purchases. Plus, there’s a intro bonus.
You can redeem your cash back as a statement credit, and use that to purchase more groceries – or anything else your heart desires. Best of all, this card will never charge an annual fee (See Rates & Fees).
If you’re looking for a no-fee grocery card, the Chase Freedom® card is where it’s at. With this card, you’ll earn one point per dollar spent on all purchases, and 5 points per dollar on your first $1,500 spent in categories that rotate every quarter. Best of all, in past years you, could get 5x bonus categories that included grocery spending.
With the average American family of four spending roughly $700 to $1,000 a month on groceries, you could easily end up hitting the quarterly $1,500 cap on bonus spending in just two months – and that’s a cool 7,500 in points, worth $75. It may not be a lot, but it’s free money!
Bank of America® Cash Rewards
The Bank of America® Cash Rewards Credit Card is another card with easy-to-earn rewards on grocery spending, a healthy signup bonus, and no annual fee. By signing up, you’ll earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
You can redeem your cash back in the form of statement credits, and there is no need to keep track of rotating bonus categories.
The Bottom Line
While not everyone is interested in credit card rewards, everyone has to buy food. And if you’re spending a bundle at the grocery store each month anyway, why not earn some cash back in the process?
The best cash back cards for grocery stores make the process easy, offer a ton of rewards, and don’t charge fees or make you jump through a bunch of hoops. As long as you pay your bill in its entirety each month so you never pay interest on your purchases, this is the closest thing to “free money” you’ll ever find.