To earn the most on groceries, the Blue Cash Preferred American Express is a must-have. The credit card pays six percent cash back at U.S. supermarkets on up to $6,000 per year in purchases. Keep your shopping to U.S. supermarkets only – grocery purchases at warehouse clubs, superstores, corner stores and specialty food stores don’t qualify for the six percent category and will instead earn rewards at the base rate of one percent.
On top of the rewards you earn on groceries, you’ll also earn three percent cash back at U.S. gas stations and select departments and one percent cash back on everything else. Grocery purchases above $6,000 in a calendar year will earn one percent.
The Blue Cash Preferred from American Express comes with a generous signup bonus. Spend $1,000 in the first three months of having your credit card and you’ll earn a $200 bonus statement credit.
Important Pricing: Enjoy zero percent introductory APR on purchases and balance transfers for the first 12 months. After that, the regular APR will be 14.99 to 25.99 percent based on your creditworthiness. The annual fee is $95.
The Blue Cash Everyday Card from American Express also pays great rewards on grocery purchases, but without the $95 annual fee. Your grocery purchases will earn three percent cash back on up to $6,000 per year. Like the Preferred version of the Blue Cash Amex, you’ll have to make your grocery purchases at U.S. supermarkets to qualify for three percent cashback rewards.
The Blue Cash Everyday Card from American Express also pays two percent cash back at U.S. gas stations and select departments and one percent cash back on everything else. Grocery purchases over $6,000 in a calendar year will earn one percent cash back.
You can earn a $150 bonus statement credit by spending $1,000 in the first three months of having your credit card.
Important Pricing: Enjoy zero percent APR on purchases and balance transfers for 15 months. After that, the regular APR is 14.99 to 25.99 percent.
In case you missed the news, Amazon acquired Whole Foods in early 2017. Not long after that, Amazon added Whole Foods purchases to its Prime Rewards Visa, which is available only to Amazon Prime members. With the Amazon Prime Rewards Visa, you’ll earn five percent back on Whole Foods Market and Amazon.com purchases – with no cap. On top of that, you’ll earn two percent back at restaurants, gas stations and drugstores, and one percent back on everything else.
If Prime Pantry is available in your area, use your Amazon Prime Rewards Visa to earn five percent cash back on those purchases.
New cardholders get a $70 Amazon.com gift card upon approval, with no wait times and no minimum spending requirement. You can redeem your rewards in any amount on eligible purchases at Amazon.com. You can also redeem for points, for a minimum of 2,000 points.
Important Pricing: There’s no annual fee for the Amazon Prime Rewards Visa, but you must have a Prime membership which is currently $119. The APR for purchases and balance transfers is 15.99 to 23.99 percent.
The Bank of America Cash Rewards Credit Card has a tiered rewards program that pays higher rewards on your first $2,500 in combined grocery, gas and wholesale club purchases each year. Grocery and wholesale club purchases earn two percent back while gas purchases earn three percent. All your other purchases earn one percent cash back.
Spend $500 in the first three months of opening your account and you can earn a $200 signup bonus.
Being a Bank of America customer allows you to boost your rewards. With a bank or investment account with Bank of America or Merrill Lynch, you can earn up to 75 percent bonus on your rewards depending on the balance you maintain in your account.
Important Pricing: Enjoy a zero percent introductory APR for the first 12 billing cycles on purchases and balance transfers made within the first 60 days. After that, the regular APR is 15.24 to 25.24 percent. There’s no annual fee.
The newest rewards credit card from Capital One, the Savor, pays great rewards on food purchases including groceries. While most rewards credit cards limit the amount you can earn in the best paying categories, the Capital One Savor allows you to earn an unlimited number of rewards. Earn two percent on all your grocery purchases. On top of that, you’ll earn three percent on dining and one percent on all other purchases.
Spend $3,000 in the first three months after opening your account and you’ll earn a one-time $500 cash bonus. There’s no limit on the rewards you can earn and you can redeem rewards in any amount.
Important Pricing: Enjoy zero percent APR on purchases and balance transfers for the first 15 months. After that, the regular APR is 16.24 to 25.24 percent depending on your credit history. There’s no annual fee for the first year ($95 after that) and no foreign transaction fee.
The PenFed Platinum Rewards Visa Signature Card pays points that you can redeem for cash back, gift cards, travel and more. You’ll earn three points for every dollar you spend on groceries and military commissaries. In addition, you’ll earn five points for every dollar you spend on gas and one point for every dollar you spend everywhere else.
You can earn a $100 statement credit if you spend $1,500 in the first 90 days of opening your account.
Important Pricing: The regular APR for purchases and cash advances is from 11.49 to 17.99 percent based on your creditworthiness.
The Chase Freedom Unlimited doesn’t have any tiered rewards structure, which is great for earning rewards on groceries and all your other purchases without having to keep up rewards categories. And since you can earn an unlimited amount of rewards, you don’t have to worry about a rewards threshold. If you spend $500 in the first three months of opening your account, you’ll earn a $150 signup bonus.
Important Pricing: Enjoy zero percent introductory APR for 15 months on purchases and balance transfers. After that, the regular APR is 16.74 to 25.49 percent.
The 7 Best Credit Cards to Use for Grocery Purchases in 2018
Save some cash when shopping for food
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If groceries are one of your biggest monthly expenses, having a credit card that pays higher rewards on grocery purchases is a must-have. The best credit cards pay up to six percent cash back on your grocery purchases and allow you to earn rewards on your other credit card purchases, too; you may find yourself using one credit card for everything to maximize the number of rewards you can earn. Each of the credit cards on our list pays a signup bonus if you meet the minimum spending in the first three months of opening your credit card.
Keep in mind that interest rates tend to be higher on rewards credit cards. Because of that, you’ll want to pay your balance in full each month to avoid costly finance charges that can dampen the benefits of the rewards you earn on grocery purchases. With that said, read on to see which credit cards you should swipe the next time you pick up milk and eggs at the store.