6 foolproof methods to maximise rewards on grocery spending

Each buy is a chance to earn bank card rewards, together with purchases at U.S. supermarkets and grocery shops.

The typical American spends $150 to $300 weekly on meals. Wherever you fall inside that vary, that is a big chunk of spending, a few of which can be on groceries. With the correct strategy, it could actually earn you a number of factors, miles or money again.

Let’s discover a couple of totally different methods (and bank cards) you should use to maximise each greenback you spend in your subsequent milk-and-egg run.

Store the place it can save you

This is a straightforward rule to comply with: store the place it can save you. It feels like a no brainer, however it bears repeating.

Walmart and Goal sometimes do not qualify as grocery shops with regards to incomes a class bonus for grocery purchases in your bank card. They’re most frequently thought-about superstores and fall below a separate class.


But when purchasing for groceries at Walmart or Goal is cheaper than at your native grocery retailer chain, you are possible higher off sticking with these financial savings than purchasing at grocery shops simply to earn a class bonus.

Do the maths and make sure you’re not paying greater than you must to earn rewards.

Concentrate on how your card “codes” your buy

On a associated observe, pay attention to the service provider class code. This code determines whether or not a specific buy will earn you bonus factors. For those who’re unsure how a given service provider is coded, I like to recommend testing it with a small buy.

You possibly can then study your card assertion to see whether or not the service provider codes correctly. For instance, grocery purchases at Walmart and wholesale golf equipment like Costco will not be categorized as groceries on many rewards bank cards. On the identical time, some playing cards could code grocery supply providers comparable to Instacart as grocery shops in your assertion.

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As a result of Instacart additionally delivers gadgets from all kinds of shops, together with Costco, you might be able to maximize a bonus from shops not sometimes related to that class.

Associated: Your definitive information to on-line grocery supply providers

Know the incomes limits of your specific rewards card

Some playing cards, such because the American Categorical® Gold Card, have a restrict to the quantity of rewards you’ll be able to earn. Whilst you’ll earn a beneficiant 4 factors per greenback spent at U.S. supermarkets as much as $25,000 of spending on these purchases per calendar yr, your incomes price drops to 1 level per greenback spent after reaching this most cap.

Then, there are the 5 factors per greenback spent on rotating bonus classes on the Chase Freedom Flex℠. Usually, the rotating class is for grocery retailer spending, however be mindful there’s a $1,500 quarterly spending cap, and you’ll want to activate the bonus class.

We suggest that you’ve a backup card prepared for while you exceed this restrict.

Use probably the greatest playing cards for groceries

Able to earn some factors, miles or money again by way of card spending? The next playing cards supply among the greatest returns in your U.S. grocery store spending.

American Categorical® Gold Card

The Amex Gold Card is my go-to card for grocery purchases at U.S. supermarkets.

Along with the earnings on groceries talked about above, there are different food-related advantages. For instance, you will earn 4 factors per greenback spent at eating places worldwide, together with takeout and supply orders within the U.S. You may additionally earn a as much as $120 eating credit score, offered you enroll to obtain the profit.


Plus, Membership Rewards factors supply unimaginable versatility — you’ll be able to ebook straight by way of Amex Journey or switch your factors to 18 airways and three lodge companions.

For extra particulars, try our full overview of the Amex Gold Card.

Apply right here: American Categorical Gold Card

The Amex EveryDay® Most well-liked Credit score Card from American Categorical

This card provides you 3 Membership Rewards factors per greenback spent on as much as $6,000 at U.S. supermarkets annually, together with 1 level per greenback past that. Moreover, for those who hit 30 month-to-month transactions, you get a 50% bonus on all factors earned. So you may successfully earn 4.5 factors per greenback spent at supermarkets.

Membership Rewards are value 2 cents every, in response to TPG’s valuations. For those who spend $15,000 yearly at U.S. supermarkets and hit the month-to-month bonus, you may earn over 40,000 factors annually – value $800. The cardboard has a $95 annual payment, so your internet worth earned might be within the neighborhood of $700.


Be taught extra in our Amex EveryDay Most well-liked Card overview.

The data for the Amex EveryDay Most well-liked Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Blue Money Most well-liked® Card from American Categorical

The Blue Money Most well-liked® Card from American Categorical earns 6% money again on the primary $6,000 purchases at U.S. supermarkets per calendar yr and 1% on all purchases thereafter. The 6% return on the primary $6,000 would earn you $360.

Money again is acquired as Reward {Dollars} that may be redeemed for assertion credit.


The cardboard has a $0 intro annual payment for the primary yr and a $95 annual payment thereafter (see charges and charges). For extra particulars, learn our full overview of the American Categorical Blue Money Most well-liked Card.

Apply right here: Blue Money Most well-liked Card from American Categorical

Capital One SavorOne Money Rewards Credit score Card

The Capital One SavorOne Money Rewards bank card earns limitless 3% money again on eating, leisure, in style streaming providers and grocery shops, and 1% money again on all different purchases with no annual payment (see charges and charges).


For extra particulars, learn our full overview of the Capital One SavorOne Money Rewards bank card.

Apply right here: Capital One SavorOne Money Rewards bank card

Benefit from cell apps when purchasing in-store

In addition to the apps from shops like CVS, Publix, Safeway and Goal (which provide coupons), many third-party apps may assist you maximize your grocery spending. Ibotta, for example, pays you money again for in-store and on-line purchases from dozens of supported retailers and grocery shops.

Dosh helps you earn money again by permitting you to attach a bank card to your Dosh account. Then, any time you store at taking part retailers together with your linked card, it can save you as much as 10% for every buy.


Fetch is yet one more app that helps you earn rewards. With Fetch, you snap a photograph of your purchasing receipts. Every receipt earns 25 factors, and you’ll earn level boosts any time you spend cash at a taking part model. I’ve managed to rack up 35,000 Fetch factors, sufficient to get a $25 Safeway reward card.

Associated: Staying organized: The very best apps for cash administration

Click on by way of a purchasing portal when shopping for on-line

Procuring portals are a straightforward approach to earn additional factors, miles or money again for on-line purchases. Whereas alternatives are restricted within the grocery class, chances are you’ll discover some food-related retailers providing factors or money again by way of a portal, comparable to Cashback Monitor or Rakuten.

As a substitute of going on to the shop’s web site, navigate to a purchasing portal, discover the retailer you need to buy from, and click on by way of to that web site.

You may earn factors or money again from the retailer and bank card rewards in your buy. Which means, in lots of conditions, you’ll be able to double and even triple your earnings by combining the purchasing portal bonus, class bonus, card supply, and so on.

There are dozens of on-line purchasing portals, however all of them function the identical means.

Associated: Fast Factors: Use a purchasing portal aggregator to maximise on-line purchases

Backside line

By purchasing on the proper shops, utilizing one of many prime grocery bank cards and a purchasing portal when spending on-line, you need to be properly in your approach to maximizing your grocery spending. As you do, simply keep in mind to set a sure journey or cash-back redemption objective behind your thoughts.

For charges and charges of the Blue Money Most well-liked card, click on right here.
For charges and charges of Capital One SavorOne card, click on right here.

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