In This Article
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If you’re like me, groceries are one of your biggest monthly expenses. The average American family spends over $6,000 per year at the grocery store. With groceries making up a big chunk of my budget, I want to be sure that I’m getting the most points with credit card every time I step through the automatic sliding doors of my local grocery store.
Grocery stores have been popping up as a benefit on credit cards like crazy. With more and more cards offering bonus points at grocery stores, we wanted to help you pick the best credit card for your grocery purchases.
You might be looking for a card that earns transferable points or airline miles. Alternatively, you might want to earn a little extra cashback.
Best Credit Cards for Grocery Stores and Supermarkets
Let’s take a look at the credit cards that offer the most bang for your buck. I’ve broken them down by category to make the decision just a bit easier for you.
Best Overall Card: American Express Gold Card
The American Express Gold Card comes in as our best card for grocery stores. The American Express Gold Card earns 4 points per dollar at grocery stores and restaurants up to the first $25,000 spent every year.
It does have a moderately high annual fee at $250, but don’t let that dissuade you. The card comes with some premium credits that help ease the annual fee. You won’t find another card that earns this many travel rewards points at grocery stores with no extra hoops to jump through.
With the ability to earn 100,000 American Express Membership Rewards points every year at grocery stores, you can’t go wrong with the American Express Gold Card.
Honorable Mention: Citi Premier – 3X ThankYou Points
Honorable Mention: Amex EveryDay Preferred Credit Card – 3X Membership Rewards points
Best Cash Back Credit Card: Blue Cash Preferred Card
Considering how much money the average family spends at U.S. Supermarkets, it comes as no surprise that some people may be wanting to get the most cash back possible from their grocery trips.
For those of you seeking the best cashback card for grocery stores, take a look at the Blue Cash Preferred Card from American Express. You’ll earn 6% cashback on the first $6,000 spent at grocery stores each year, and 1% after that. Considering the average family spends just a little over $6,000 per year, you should be able to get a lot of value from this card.
Cashback is rewarded as “Reward Dollars” that you can redeem for a statement credit at any time.
If you max out the benefit, that’s $360 cashback every year just from grocery store shopping. Once you factor in the $95 annual fee, you’ll get a net benefit of $265 every year if you spend $6,000 at the grocery store.
I’m about to do some quick math here, but don’t worry! Once you take into account the annual fee, you’re getting 4.5% cashback throughout the year. You won’t find any card that earns more cash back at the grocery store than the Blue Cash Preferred Card.
Best No Annual Fee Credit Card: Blue Cash Everyday Card
If you’re looking for a long term card for grocery stores with no annual fee, the Blue Cash Everyday Card should be your choice. The Blue Cash EveryDay card is similar to its big brother the Blue Cash Preferred Card, but with a slightly lower cashback rate in exchange for no annual fee.
Even paying no annual fee, you’ll earn 3% cashback at supermarkets on the first $6,000 every year. That’s $180 in your pocket every year if you can spend the entire $6,000.
It isn’t the most cash back available, but you won’t have another annual fee to pay to keep this card in your wallet year after year.
Honorable Mention: Capital One® SavorOne® Cash Rewards Credit Card, 2% cashback with no annual fee
Best Airline Credit Card: American Airlines AAdvantage MileUp℠ Card
We’re getting a bit more niche now, but if you’re looking to earn some hard to earn airline miles with your grocery store spending, look at the American Airlines AAdvantage MileUpSM Mastercard.
The only transfer partner to American Airlines is Marriott, as no major bank programs transfer to this lucrative program. You can use American AAdvantage miles to fly to Europe on a web special for only 20,000 miles or 115,000 miles to fly first class to the Middle East.
With the American Airlines AAdvantage MileUpSM Mastercard, you’ll earn 2 points for every dollar spent at the grocery store with no annual fee. With no transfer partners, it can be difficult to earn a lot of AAdvantage miles, so the MileUpSM card is a great way to earn a few more every time you step inside the grocery store.
Best Grocery Welcome Bonus: Wells Fargo Visa Signature Card
If you’re looking to move between welcome bonuses over time, rather than one card for the rest of the time, then the Wells Fargo Visa Signature Card is the card for you.
The Wells Fargo Visa Signature Card offers 5 rewards points for every dollar spent at grocery stores, gas stations, and drug stores on the first $12,500 in the first 6 months of opening the card. This is a great option for anyone who spends more than the average family at grocery stores.
If you can afford to spend the entire $12,500, you’ll earn 62,500 points. You can redeem them for cashback at 1 cent per point, but if you choose to redeem them for airfare instead, you’ll get an extra 50% value. When used for airfare, that makes this welcome bonus worth $937.50.
Once you’re outside of the welcome bonus time frame, you’ll only earn 1 point per dollar. This isn’t a great card for long term use, but the welcome bonus is very enticing if you can meet the entire spend.
The Wells Fargo Visa Signature Card has no annual fee, making this bonus even more welcoming.
Best Credit Card With Quarterly Categories: Chase Freedom Credit Card
There’s a hidden benefit to having a credit card with rotating categories in your wallet that people don’t often overlook. You can maximize the benefits that matter when they come up, and you can spend the rest of the year putting your grocery store spend towards sign up bonuses.
The Chase Freedom Credit Card offers 5 points per dollar on the first $1,500 spent on categories that change every 3 months. Grocery stores reliably come up once every year, making the Chase Freedom a good card if you want to have a rotation of cards to spend at grocery stores. The current quarterly promotion includes grocery stores and ends June 30.
With no annual fee, you can keep the card in your wallet and maximize the quarterly benefits year after year.
Honorable Mention: Discover It – 5% cashback
Best Credit Card for Whole Foods: Amazon Prime Rewards Visa Signature Card
If you do the majority of your grocery shopping at Whole Foods and you’re looking to earn cashback, you shouldn’t pass on the Amazon Prime Rewards Visa Signature Card from Chase.
Although it is branded as an Amazon Prime card, since Amazon owns Whole Foods, the benefits extend to Whole Foods as well. Although there is no annual fee, you will need an Amazon Prime account which costs $119 per year.
With the Amazon Prime Rewards card, you’ll earn 5% back every time you shop at Whole Foods with no cap on the amount of cashback you can earn. You can redeem your rewards for purchases at Amazon with no minimum on the amount you can redeem per order.
Keep in mind, this card is issued by Chase so you’ll need to be under 5/24 to open it.
Best Credit Card for Costco: Costco Anywhere Visa Card by Citi
While there’s a lot of great credit cards for grocery stores here, wholesale clubs like Costco don’t code as grocery stores. That means your typical “grocery store” bonuses won’t earn points at Costco.
The Costco Anywhere Visa Card by Citi earns 2% cashback at Costco. This means Gold Star members will earn a total of 2% back while Gold Star Executive members can stack to earn a total of 4% back.
Cashback is rewarded as a credit card certificate once per year after your February billing statement that you can redeem at Costco stores for cash or merchandise.
Honorable Mention: Chase Freedom sometimes offers 5X points at Costco
Best Credit Card While Abroad: Citi Premier Card
If you’re living overseas or simply traveling you may find yourself at grocery stores abroad. Just because you’re outside of the U.S. doesn’t mean you should miss out on earning the most points at grocery stores.
Many credit cards limit their bonus spend to U.S. grocery stores, and some have foreign transaction fees. That’s why it is imperative to use the right card when shopping at grocery stores abroad.
The Citi Premier Card is the best card to use at grocery stores when you’re outside of the US. Starting August 23rd, 2020 the Citi Premier will earn 3X ThankYou points at supermarkets with no foreign transaction fees.
Banks assign codes to stores to make sure the purchase earns the right amount of points. When shopping abroad, you’re more likely to encounter incorrect merchant codes than you would in the US. If you want to be sure, you can use a merchant code lookup tool to verify.
Temporary Bonus Categories
One of the biggest industries hit in the world of COVID-19 is travel. As a response, some credit cards are offering temporary bonus spending opportunities at grocery stores. These increased spending bonuses are for a limited time, so take a look and see if you have any of these cards before your next trip to the grocery store.
Chase is offering a variety of bonuses across many of its different cards. Between now and June 30th, you’ll earn extra points when you shop at grocery stores on the first $1,500. You can earn 5X bonus points on the Chase Sapphire Reserve, United Club Card, and the United Club Infinite Card. Chase has also added 3X bonus points on a large number of other cards.
|Chase Cards That Earn 3X on Groceries Through June||Grocery Multiplier|
|Aer Lingus Visa Signature card||3X|
|British Airways Visa Signature card||3X|
|Chase Sapphire Preferred credit card||3X|
|Iberia Visa Signature card||3X|
|IHG Rewards Club Premier Credit Card||3X|
|IHG Rewards Club Traveler Credit Card||3X|
|Southwest Rapid Rewards Plus Credit Card||3X|
|Southwest Rapid Rewards Premier Credit Card||3X|
|Southwest Rapid Rewards Priority Credit Card||3X|
|United Explorer Card||3X|
|World of Hyatt Credit Card||3X|
You don’t need to do anything to activate these bonus categories. Just pay with one of the cards mentioned.
Marriott Co-Branded Credit Cards (Chase and Amex)
Right now you can earn 6X Marriott Bonvoy points on most Marriott co-branded credit cards through July 31st. All Marriott cards except for the Marriott Bonvoy Business Card from American Express are eligible for this offer.
On Chase cards, you can earn 6X Bonvoy points on the first $5,000 spent during the promotional period. American Express cards earn 6X Bonvoy points on the first $7,500 spent during the promotional period.
Bonus Marriott Bonvoy Points
after you spend $3,000 on eligible purchases within the first 3 months of Card Membership. Plus earn up to $150 in statement credits on eligible purchases made on your new card in the first 3 months.
Hilton Amex Credit Cards
The Hilton Honors American Express Aspire Card and the Hilton Honors American Express Surpass Card are earning 12X Hilton Honors points at grocery stores through July 31st.
This is a nice step up from the Surpass card which typically offers 6X Hilton points at grocery stores. For the Aspire card, this is a huge increase as grocery stores are not a normal bonus spend category on the card.
Delta Amex Credit Cards
All Delta personal cards earn 4X Delta SkyMiles at grocery stores through July 31st. This includes the following cards:
- Delta SkyMiles Blue American Express Card
- Delta SkyMiles Gold American Express Card
- Delta SkyMiles Platinum American Express Card
- Delta SkyMiles Reserve American Express Card
Although Delta SkyMiles don’t have the best reputation, this is a good opportunity to add some more to your portfolio while spending at the grocery store.
There’s a lot of great options out there that will provide you some great rewards when shopping at grocery stores. Whether you’re looking for the most travel rewards points, or trying to build your credit, there’s an option for you. Be sure to pick up one of these cards before your next trip to the grocery store so you can put those large grocery bills to work for you.
Cards in This Article
Membership Rewards® Points
after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Citi ThankYou Points
after making $4,000 in purchases with your card within the first 3 months of account opening.
Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.