Updated on 09.21.17

Four Best Credit Cards to Take to the Grocery Store

You may not care much about credit card rewards or think you spend enough to justify using them, but the truth is most people could benefit from a really solid rewards card. Even if you just spend money on groceries and other basics each month – and actually, especially if you buy a lot of groceries, you could rack up a ton of easy cash back in a hurry.

The best rewards credit cards for groceries let you earn anywhere from 1% to 6% back for every dollar you spend up to a certain limit, and many don’t even charge an annual fee. Unlike rewards based on travel spending or other hit-or-miss categories, we all buy food year-round — so you have little to lose by signing up for one of these cards, using it to buy your groceries, and paying it off every month before interest accrues.

Best Rewards Cards for Grocery Shopping

The Four Best Rewards Cards for Grocery Shopping

Want to see how much you can earn? Check out these top cards for grocery spending and compare them to your average food bill. What you could be earning might surprise you.

Blue Cash Preferred® Card from American Express

Another awesome grocery card is the Blue Cash Preferred® Card from American Express. With this card, you’ll earn cash back on your first $6,000 at U.S. supermarkets each year (then 1%). If you max that out, that’s a $360 benefit! In addition, you’ll get 3% cash back at U.S. gas stations and at select U.S. department stores, 1% cash back on all other purchases.

While this card does charge a $95 annual fee, it offers $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. And if you spend a ton on groceries anyway, the fee is well worth it. A family of four spending $1,000 a month on groceries would earn $360 back on their first $6,000 spent at U.S. supermarkets, plus another $60 on the rest of their annual grocery spending. That’s more than $300 in rewards, even after the annual fee, on grocery shopping alone — not to mention the additional money back earned at U.S. gas stations and select U.S. department store purchases.

Blue Cash Preferred® Card from American Express

Highlights:

  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

Blue Cash Everyday® Card from American Express

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 signup 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. More details to consider:

Blue Cash Everyday® Card from American Express

Highlights:

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

Chase Freedom®

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, this year’s 5x bonus categories include grocery spending from April through June. By signing up for the card now, you could earn 5% back on your grocery spending until mid-summer.

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! Here are a few of this card’s benefits you should know about:

Chase Freedom®

Highlights:

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Bank of America® Cash Rewards Credit Card

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 points for cash back in the form of statement credits, and there is no need to keep track of rotating bonus categories. Here are some more details to know before you sign up:

Bank of America® Cash Rewards Credit Card

Highlights:

  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

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.

What’s your favorite credit card to use at the grocery store? Why?

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