A basic Gold Star membership costs $60 per year. The other cards on this page offer elevated grocery rewards year-round. Terms apply. However, this does not influence our evaluations. Blue Cash Preferred® Card from American Express. 6% Cash Back on select U.S. streaming subscriptions. Consider the Capital One SavorOne Cash Rewards Credit Card. The Bank of America® Cash Rewards credit 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. There's an annual fee, and it's high for a cash-back card: $0 intro for the first year, then $95. Imagine saving that kind of money at the checkout — without even needing to clip coupons! Check out our list of the 11 best credit cards for groceries, then decide for yourself. Ongoing high cash back with no annual fee. In addition to its 4X categories, this card pays 3 points per dollar on flights booked directly with airlines or on amextravel.com. However, all credit card information is presented without warranty. Saving money. New cardholders get a decent bonus offer and an introductory 0% APR period. Our opinions are our own. Read our review of the American Express® Gold Card for more info. Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. This site may be compensated through third party advertisers. The annual fee is. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. Neither card charges an annual fee. Redeem your points for Amazon.com purchases at a value of 1 cent per point. 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. There's no minimum … The Target RedCard™ offers a 5% discount on most in-store purchases, including groceries. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Terms apply. FULL LIST OF EDITORIAL PICKS: Plus, you’ll get 1% cash back on all other purchases. And depending on the item, you can receive free two-day shipping without worrying about a purchase minimum on most items. pays elevated rewards at U.S. supermarkets, U.S. gas stations and select U.S. department stores. Consider the. Our partners compensate us. Read more about this card in our Capital One® Walmart Rewards® Mastercard review. Here is the Forbes Advisor list of the best Mastercard credit cards to choose from. 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%. You earn 2% cash back on every purchase — 1% when you buy something and 1% when you pay it off. The Platinum Card® from American Express: Best for welcome offer. Otherwise, the interest charges will add up over time and you’ll have less money to go toward feeding yourself — or your family. We think it's important for you to understand how we make money. . » Rewards on $5,000 a year in groceries at Whole Foods: $250. While there’s no annual fee, the catch is that you must be a Costco member to enjoy the perks this card has to offer. The Best Credit Cards for Groceries. … Reasonable efforts are made to maintain accurate information. And if you decide you don’t feel like making dinner, you can earn 3% back for dining out at restaurants. Plus, there's a good 0% intro APR offer. Maximum rewards on $5,000 a year in grocery store spending: $100 (for Preferred Rewards customers: $125, $150 or $175). , 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. Please call Member Support at 833-675-0553 or email legal@creditkarma.com, Offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on Credit Karma of no greater than 35.99% APR with terms from 61 days to 180 months. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too. (See current and past categories here.) Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Best cards for groceries in 2021. If you buy your groceries wholesale-club-style, the Costco Anywhere Visa® Card by Citi earns 2% cash back at Costco and Costco.com. The card's annual fee is $0, but you must be an Amazon Prime member, which does require a yearly fee. This card's simplicity is its not-so-secret weapon: No bonus categories to contend with or spending caps to worry about. The annual fee is, Not interested in carrying a special card just for groceries? 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. 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. You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer. There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. If your grocery runs take you to a full-service Super Target — or just to the food aisles at a regular Target — this. The best credit cards for groceries let cardholders earn cash back and flexible rewards based on how much they spend on food. That's why we provide features like your Approval Odds and savings estimates. If you like to buy in bulk — and save … Rewards on $5,000 a year in grocery store spending: $100. If you shop at Costco, Whole Foods or Target, consider these options. Chase Freedom Unlimited® When you book travel, the card also offers three points per $1 on flights booked directly with airlines or at amextravel.com. You’ll also earn a $300 statement credit when you spend $3,000 on purchases during the first 6 months after your account opens. Each quarter, you’ll get the bonus cash back rates on only the first $2,500 in combined choice category/grocery store/wholesale club purchases. Here’s why: If you have a big family to feed, the Costco Anywhere Visa® Card by Citi could help you save money when you buy groceries in bulk. Here’s what you’ll earn on purchases using this card. There is a cap on how much you can earn at the 3% and 2% cash back rates though. because you'll come out ahead with the higher rewards rate. Read our review. Rewards on $5,000 a year in U.S. supermarket spending: $150. BEST CREDIT CARDS FOR GROCERIES, If your household spends a lot on groceries, gas, transit and streaming services, the. This card is for someone who spends a lot on groceries AND likes to travel. 2 reviews ➔ Learn More. Maximum rewards on $5,000 a year in grocery store spending: $100 (for Preferred Rewards customers: $125, $150 or $175). If you're buying groceries regularly but not necessarily all the time, it's worth a look. The Discover it® Cash Back and the Chase Freedom Flex cards have become famous for their rotating 5% cash back rewards. 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. 2% Cash Back at U.S. gas stations and at select U.S. department stores. The annual fee is $0. Check out our review of the Target RedCard™. Here is a list of our partners. You can also earn 4 points per dollar at restaurants worldwide, with no annual cap. Terms apply. Intro offer Recommended Credit Score. 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. Check out our review of the Costco Anywhere Visa® Card by Citi. It earns 2% back on all purchases — 1% when you buy and 1% back when you pay it off. 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. Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. The card's annual fee is. Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748). Rewards on $5,000 a year in U.S. supermarket spending: $300. American Express® Gold Card: Best for big supermarket spenders. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Citi Double Cash® Card. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Here’s why: The Citi Simplicity® Card has one … If you apply for a new credit card, be sure to read the fine print on all the card details. And you can earn a welcome bonus of $200 as a statement credit after spending $1,000 on purchases in the first 3 months after opening the card. Check out our review of the Blue Cash Everyday® Card from American Express for more details. NerdWallet strives to keep its information accurate and up to date. If you don't travel much, forget the 4X points and look elsewhere. Blue ... Best Overall Cards for Groceries. The. 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. To earn cash back, pay at least the minimum due on time. And the card comes with a slew of perks that can help offset its hefty annual fee. 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. Best for Below-Average Credit. There's an annual fee, and it's high for a cash-back card: . 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). The standard variable APR for Citi Flex Plan is 15.24%. You can do it with these cards. The above Chase cards meet that standard, although for a limited time. How we chose the best credit cards for groceries When choosing a grocery credit card, the goal is to earn the highest rewards rate on grocery purchases without paying high annual fees. Paying for groceries with a card that earned just 2% rewards on groceries would have earned such a household more than $87. You earn 2% back at grocery stores and wholesale clubs, a solid rate. 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. And the card comes with a slew of perks that can help offset its hefty annual fee. 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. That discount also applies to online orders, deliveries and pickups. Best credit cards for groceries Search for a specific card below. $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. If you don't dine out much, you'll miss out on the biggest chunk of this card's value. Neither card charges an annual fee. Rewards on $5,000 a year in U.S. supermarket spending: $150. You’ll earn 6% cash back on up to $6,000 in purchases each year at U.S. supermarkets, then 1%. And in some cases. 5.0. on Citibank's application. The offers for financial products you see on our platform come from companies who pay us. And if you're tired of cooking? Our pick for: Customizable 3% cash back and Bank of America® customers. . Rewards on $5,000 a year in grocery store spending: $100. Check out our review of the Amazon Prime Rewards Visa Signature Card. Plus, you’ll earn 5% cash back on Walmart store purchases for the first 12 months you have the card as long as you pay via Walmart Pay on your phone. , but you must be an Amazon Prime member, which does require a yearly fee. Credit Karma is committed to ensuring digital accessibility for people with disabilities. But how they save money depends on where they are in life and their shopping habits. 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. The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. is for you. The rewards aren't as rich as on the, , but this card doesn't charge an annual fee. 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. Amazon Business American Express Card: Business. Best for Walmart groceries: Capital One® Walmart Rewards® Card. You also get free shipping on most items at Target.com. Terms Apply. The Capital One® Savor® Cash Rewards Credit Card comes with an annual fee of $95. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. And if you're tired of cooking? Terms Apply. 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. The top options offer the potential to earn significant rewards on grocery spending. We may receive compensation when you click on links to those products. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. Check out our review of the Capital One® Savor® Cash Rewards Credit Card. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. Then, make sure you use that card every time you go grocery shopping. There's a nice bonus offer for new cardholders and an introductory 0% APR period, too. Love the night life but dead-set against paying an annual fee? The annual fee is $0. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. earns 4 Membership Rewards points per dollar spent at U.S. supermarkets on up to $25,000 per year in purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. Our partners cannot pay us to guarantee favorable reviews of their products or services. You earn 2% cash back on every purchase — 1% when you buy something and 1% when you pay it off. Here are our top supermarket cards from all issuers. 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. The best credit cards for grocery shopping pay at least 3% in rewards. Compensation may factor into how and where products appear on our platform (and in what order). is the industry champ. INTRO OFFER: Unlimited Cashback Match – only from Discover. .) This offer doesn't include a sign-up bonus or a 0% intro APR period for purchases. You’ll earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. 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. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. You can now choose between Gold or Rose Gold. You also get 2% back at U.S. gas stations and certain U.S. department stores, and 1% cash back on everything else. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. The American Express Gold Card is a top-notch card for groceries, as you'll not only get a relatively high return, but also some incredible baked-in benefits. Bank of America® Cash Rewards credit card. You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer. Capital One® Savor® Cash Rewards Credit Card – Best for earning cash back on groceries and dining out. 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 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. That’s easy. Imagine saving that kind of money at the checkout — without even needing to clip coupons! Chase Freedom Flex. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Read our review. The Chase Freedom Flex is one of the best all-around cash back credit cards. 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. If you don't travel much, forget the 4X points and look elsewhere. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. Other bonus categories on both cards tend to be common expenses, meaning it's not hard to get great value out of them. Why AmEx Gold is the best credit card for groceries. Costco Anywhere Visa Card by Citi: Best for groceries and gas. Best Initial Bonus. According to. 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. 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. If you're more of a Whole Foods fanatic — and if you already pay for an Amazon Prime membership — consider the Amazon Prime Rewards Visa Signature Card. Before applying, confirm details on the issuer’s website. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. Rotating 5% Cards. Citi Simplicity® Card. Look elsewhere. It might be the most customizable cash back card available. Enrollment required. Our pick for: Overall highest rewards rate. (. » Savings on $5,000 a year in groceries at Target: $250. Read our review. , although you have to be a Costco member to apply, and membership starts at $60 a year. 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. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid bonus offer for new cardholders. Here’s why: If you live near a Target, you could save a lot of money on groceries with the Target RedCard™. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. Capital One® Walmart Rewards® Mastercard® – Best for earning cash back on Walmart purchases. This date may not reflect recent changes in individual terms. 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. All Rights Reserved. Our pick for: Ongoing high cash back with no annual fee. The Capital One Walmart Rewards Mastercard is our top pick for earning cash back rewards on groceries from Walmart and Walmart.com. Terms Apply. $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. Here’s why: The Capital One® Walmart Rewards® Card stacks cash back on top of Walmart’s “everyday low prices.”. A single card is eligible to be chosen in multiple categories. 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. Annual Fee $0 Rewards Rate. In recent years, both cards have offered grocery stores as a 5% category. Credit Karma® is a registered trademark of Credit Karma, LLC. There's a good bonus offer for new cardholders, too. 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Pre-qualified offers are not binding. The total amount repayable will be $6,767.64. The annual fee is $0, although you have to be a Costco member to apply, and membership starts at $60 a year. It pays a lower cash-back rate on dining and entertainment than the regular Savor card, but the rewards are nevertheless quite good. $0 introductory annual fee for one year, then $95. 2% Cash Back on All Eligible Purchases, Including Supermarket Purchases. This card's simplicity is its not-so-secret weapon: No bonus categories to contend with or spending caps to worry about. In addition to its 4X categories, this card pays 3 points per dollar on flights booked directly with airlines or on amextravel.com. After you meet that quarterly cap, you’ll get 1% cash back on purchases in those categories. Love the night life but dead-set against paying an annual fee? If you have no credit or your credit history has some flaws, you can still qualify for a credit card that earns rewards for grocery/supermarket spending. 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. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. The best cash back credit card for supermarket purchases is the AMEX Blue Cash Preferred Card.It earns a whopping 6% cash back on the first $6,000 in U.S. supermarket purchases made during the year along with 6% back on U.S. streaming services, 3% back on both U.S. gas station and transit purchases, and 1% back on everything else. 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. Terms apply. » 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. Just make sure you pay off your credit card on time and in full every month. Blue Cash Everyday® Card from American Express. 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. Best for Walmart lovers: Capital One Walmart Rewards® Card. It might be the most customizable cash back card available. The card also comes with a $250 annual fee, so you’ll need to take advantage of those points to get value. 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. Check out our review of the Bank of America® Cash Rewards credit card for students. You can also earn 4 points per dollar at restaurants worldwide, with no annual cap. And if you’re working late and are too tired to cook — or you forgot to go grocery shopping — you can enjoy something from your favorite restaurant instead and earn 4% cash back on dining. There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. You’ll earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. There's a steep annual fee of $250. It earns 2% back on all purchases — 1% when you buy and 1% back when you pay it off. When evaluating offers, please review the financial institution’s Terms and Conditions. Chase Sapphire Reserve®: Best for redeeming on groceries. Terms Apply. Not interested in carrying a special card just for groceries? Here are some other articles you might enjoy: The Blue Cash Preferred® Card from American Express is the industry champ. That all adds up to a pretty good deal, especially if you’re all about the convenience of grocery delivery. For example, a family of four will shop for groceries differently than a college student would. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. Discover will automatically match all the cash back you've earned at the end of your first year! 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. 11 Best Credit Cards for Groceries in 2021. Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access, Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on Reddit (Opens in new window), Image: Man in a grocery store holding a jar and mentally comparing the 7 best credit cards for groceries, Image: Two friends traveling abroad taking a selfie, Image: Three young women friends looking at map while having lunch, Image: Couple paying in cafe with AmEx Everday Card, Image: Young family with the best USAA credit card, Image: Group of friends walking their bikes and discussing the best U.S. Bank credit cards, our review of the Blue Cash Preferred® Card from American Express, our review of the Blue Cash Everyday® Card from American Express, our review of the Capital One® Savor® Cash Rewards Credit Card, our review of the Bank of America® Cash Rewards credit card for students, our review of the Amazon Prime Rewards Visa Signature Card, our review of the Costco Anywhere Visa® Card by Citi, our Capital One® Walmart Rewards® Mastercard review, Saving money wherever you shop for groceries, Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members, 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com, No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases, Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico.
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