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Finest Credit score Playing cards For Groceries And Supermarkets

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The provides for the Citi Customized Money℠ Card, and Citi Rewards+® Card have expired. Be taught extra in regards to the present provides right here.

Among the best methods to maximise your bank card rewards is to choose a card that gives bonus factors within the classes that you simply spend essentially the most in, whether or not that’s eating places, gasoline stations, or non-bonused classes.

On this publish I wished to take a look at the perfect bank cards for grocery retailer & grocery store purchases. Whereas everybody has to eat, persons are cut up on this — some individuals primarily eat out, some individuals primarily prepare dinner, and a few individuals do a mixture of each. For individuals who wish to prepare dinner, the bonus class of groceries and supermarkets might be very helpful.

There are many nice bank cards providing bonuses on grocery and grocery store purchases, whether or not you need to earn money again, transferable factors, airline miles, or lodge factors. In all instances, I’ll solely be playing cards incomes no less than 2% again (or the equal of that primarily based on my valuation of factors).

What qualifies as grocery & grocery store spending?

All of us have completely different locations that we purchase our groceries, so to begin it’s in all probability value clarifying for the needs of bank cards what qualifies as grocery retailer spending, and what doesn’t. Right here are some things to concentrate on upfront:

  • The grocery retailer class typically excludes warehouse shops, Walmart, Goal, drugstores, comfort shops, and so forth.; so it is best to solely anticipate to earn bonus factors or bonus money again when buying at “conventional” grocery shops, whether or not that’s Publix, Albertsons, Dealer Joe’s, Complete Meals, and so forth.
  • For American Categorical playing cards providing bonuses on grocery retailer spending, that is restricted to U.S. grocery store areas solely; so overseas grocery retailer spending doesn’t earn you bonus factors or bonus money again, and neither will a mini-market or different non-supermarket location the place it’s possible you’ll buy groceries
  • This additionally all comes right down to how a specific service provider chooses to categorize themselves; for instance, whereas I think about it’s not speculated to be the case, I’ve additionally discovered that liquor shops are generally categorized beneath the “grocery” class
  • Typically, I’ve discovered that Instacart orders from supermarkets earn bonus factors or money again, however that’s additionally not persistently the case

Finest bank cards for grocery purchases Might 2023

There are a number of nice bank cards providing bonus rewards for grocery retailer and grocery store spending, whether or not you’re seeking to earn journey rewards or money again. Under are what I contemplate to be the perfect bank cards for grocery retailer purchases.


Finest General

Nicely-rounded card with good earnings charges in a number of classes


American Categorical® Gold Card


Finest Money Again

The most effective money again card for US supermarkets

Blue Cash Preferred® Card from American Express
Blue Money Most popular® Card from American Categorical


Finest No Annual Price

2% money again, or 2x ThankYou factors with the ThankYou Premier or Status

Citi® Double Cash Card
Citi® Double Money Card


Finest Mileage Card

2x AAdvantage miles on your entire grocery purchases, on a card with no annual charge

American Airlines AAdvantage® MileUp®
American Airways AAdvantage® MileUp®

1. American Categorical® Gold Card

Reward for U.S. grocery store spending: 4x Amex Membership Rewards factors (which I worth at 6.8%)
Card annual charge: $250 (Charges & Charges)
Different issues to concentrate on: You possibly can earn 4x factors on the primary $25,000 spent yearly at supermarkets (1x factors after that), and that is solely legitimate at U.S. supermarkets

Learn a assessment of the Amex Gold, apply for the Amex Gold.

2. Amex EveryDay Most popular Credit score Card 

Reward for U.S. grocery store spending: As much as 4.5x Amex Membership Rewards factors (which I worth at 7.65%)
Card annual charge: $95
Different issues to concentrate on: You possibly can earn 3x factors on the primary $6,000 spent yearly at supermarkets (1x factors after that), and that is solely legitimate at U.S. supermarkets; nevertheless, when you have no less than 30 transactions per billing cycle you earn a 50% factors bonus, for a complete of 4.5x factors

Learn a assessment of the Amex EveryDay Most popular, apply for the Amex EveryDay Most popular.

3. Blue Money Most popular® Card from American Categorical 

Reward for U.S. grocery store spending: 6% money again
Card annual charge: $0 intro annual charge for the primary 12 months, then $95. (Charges & Charges)
Different issues to concentrate on: You possibly can earn 6% money again on the primary $6,000 spent yearly at supermarkets (1% money again after that), and that is solely legitimate at U.S. supermarkets

Learn a assessment of the Blue Money Most popular, apply for the Blue Money Most popular.

4. Citi Premier® Card

Reward for grocery store spending: 3x Citi ThankYou factors (which I worth at 5.1%)
Card annual charge: $95
Different issues to concentrate on: You possibly can earn 3x factors at supermarkets globally, with no caps and no overseas transaction charges

Learn a assessment of the Citi Premier, apply for the Citi Premier.

5. Aeroplan® Credit score Card

Reward for grocery store spending: 3x Air Canada Aeroplan factors (which I worth at 4.2%)
Card annual charge: $95
Different issues to concentrate on: You possibly can earn 3x factors at supermarkets globally, with no caps and no overseas transaction charges

Learn a assessment of the Aeroplan Card, apply for the Aeroplan Card.

6. Citi Rewards+® Card

Reward for grocery store spending: 2x ThankYou factors (which I worth at 3.4%)
Card annual charge: $0
Different issues to concentrate on: This is a wonderful no annual charge card choice, although you’re restricted to this return on the primary $6,000 spent per 12 months (you’ll earn 1x factors thereafter); at the side of different playing cards incomes Citi ThankYou factors, these rewards might be transferred to airline & lodge companions

Learn a assessment of the Citi Rewards+, apply for the Citi Rewards+.

7. Capital One Enterprise X Rewards Credit score Card

Reward for grocery store spending: 2x Capital One Enterprise miles (which I worth at 3.4%)
Card annual charge: $395
Different issues to concentrate on: Whereas the cardboard doesn’t have a selected bonus class for supermarkets, it simply has an all-around nice rewards construction; don’t be alarmed by the annual charge, as the cardboard provides a $300 annual Capital One Journey credit score plus 10,000 bonus anniversary miles

Learn a assessment of the Capital One Enterprise X, apply for the Capital One Enterprise X.

8. Capital One SavorOne Money Rewards Credit score Card

Reward for grocery store spending: 3% money again
Card annual charge: $0
Different issues to concentrate on: You possibly can earn 3% money again on grocery retailer purchases globally, all with no caps and no overseas transaction charges

Learn a assessment of the Capital One SavorOne, apply for the Capital One SavorOne.

9. Blue Money On a regular basis® Card from American Categorical

Reward for U.S. grocery store spending: 3% money again
Card annual charge: $0 (Charges & Charges)
Different issues to concentrate on: You possibly can earn 3% money again on the primary $6,000 spent yearly at supermarkets (1% money again after that), and that is solely legitimate at U.S. supermarkets

Learn a assessment of the Blue Money On a regular basis, apply for the Blue Money On a regular basis.

10. American Airways AAdvantage® MileUp®

Reward for grocery store spending: 2x American AAdvantage miles (which I worth at 3%)
Card annual charge: $0
Different issues to concentrate on: Whilst you can earn 2x miles at supermarkets globally, I’d solely suggest utilizing the cardboard in the USA, because it has overseas transaction charges

Learn a assessment of the AAdvantage MileUp, apply for the AAdvantage MileUp.

11. Citi Customized Money℠ Card

Reward for grocery store spending: Varies
Card annual charge: $0
Different issues to concentrate on: The cardboard provides 5x factors within the class through which you spend essentially the most every billing cycle, for as much as $500 of spending; supermarkets is a kind of classes, which means you can earn 5x factors on grocery store purchases, and you may pool rewards with Citi ThankYou factors earned on different playing cards

Learn a assessment of the Citi Customized Money, apply for the Citi Customized Money.

12. Citi® Double Money Card

Reward for grocery store spending: 1x factors + 1x factors
Card annual charge: $0
Different issues to concentrate on: Whereas the cardboard doesn’t have a selected bonus class for supermarkets, it simply has an all-around nice rewards construction, as you earn 1x ThankYou factors while you make a purchase order, and 1x ThankYou factors while you pay for that buy; better of all, rewards earned on the cardboard might be transformed into airline miles and lodge factors at the side of another Citi playing cards

Learn a assessment of the Citi Double Money, apply for the Citi Double Money.

There are many nice playing cards for grocery retailer rewards

Finest bank card for on-line groceries Might 2023

For individuals who order groceries on-line, it’s robust to beat the Chase Sapphire Most popular® Card (assessment). The cardboard provides 3x Chase Final Rewards factors for on-line grocery shops.

The net grocery (excluding Goal, Walmart, and wholesale golf equipment) class consists of purchases for grocery pickup and supply which might be positioned on-line with grocery shops, specialty meals shops, or supply service retailers that classify as grocery retailer retailers (excluding membership and subscription charges). Meal package supply companies are additionally included.

You possibly can even earn bonus rewards for on-line grocery purchases

Backside line

There are some actually incredible bank cards for grocery retailer and grocery store spending. Should you’re seeking to earn journey rewards, it’s robust to beat the worth of utilizing the American Categorical® Gold Card for grocery purchases inside the U.S., or the Citi Premier® Card for grocery purchases overseas. In the meantime in the event you’re seeking to earn money again, the Blue Money Most popular® Card from American Categorical is incredible, or if you would like a no annual charge card, the Capital One SavorOne Money Rewards Credit score Card is the way in which to go.

Simply make sure you take note of the precise phrases, as not in every single place it’s possible you’ll buy meals codes as grocery/grocery store spend with all banks. While you make a purchase order at native shops, I all the time suggest checking afterwards how they’re categorized. For instance, I’ve been pleasantly stunned by bodegas, liquor shops, Instacart, and so forth., additionally generally coding as grocery shops or supermarkets. This typically determines which playing cards I’ll use for these purchases going ahead.

What playing cards do you utilize for grocery and grocery store spending?

The next hyperlinks will direct you to the charges and costs for talked about American Categorical Playing cards. These embrace: American Categorical® Gold Card (Charges & Charges), Blue Money On a regular basis® Card from American Categorical (Charges & Charges), and Blue Money Most popular® Card from American Categorical (Charges & Charges).

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