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Best credit cards for groceries of October 2020

Groceries are something most of us purchase every week. The right credit card can help you get rewarded for those purchases. CardRatings editors reveal the best credit cards for groceries including cash-back rewards cards, travel rewards cards, cards for military members and more.
Jennifer Doss, CardRatings Editor Last Updated, October 15, 2020

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. How we make money.

best rewards credit cards for the annual fee Many of us are eating more meals at home these days, so now might be the perfect time to consider the best credit cards for groceries from our partners.

Everyone has to eat and that means credit cards that earn rewards at grocery stores can be beneficial for almost anyone. Some stores have their own co-branded credit cards that can come with perks such as special discounts; however, a better option may be a rewards credit card that gives you cash back, miles or points regardless of which supermarket you shop so you’re not limited to doing your grocery shopping all in one place. Some even offer bonus rewards outside of grocery purchases, meaning you can reap benefits on things besides food.

LIST OF WINNERS

There is no one best credit cards for groceries as everyone's spending habits are unique, but taking into consideration annual fees, bonuses, ongoing rewards and credit scores needed, we think that any of these featured cards would make a great companion to your reusable bags next time you head to the grocery store.

BEST CASH-BACK CREDIT CARDS FOR GROCERIES

5
About Our Ratings

Why We Like It: There's no limit to how much you can earn in rewards using this card. Offering 5% cash back on the first $12,000 spent at grocery stores (excluding Target and Walmart) in your first year and a flat 1.5% cash back on an ongoing basis, so it's a good choice for those who don't want to worry about spending categories. The card doesn't charge an annual fee, and new cardholders get an intro 0% APR on purchases for the first 15 months (then 14.99% - 23.74% Variable).

The Bonus: Earn a $200 cash-back bonus after spending $500 in purchases within three months of opening an account. Plus, earn 5% cash back on $12,000-worth of grocery store purchases in your first year.

The Rewards: Earn 5% cash back on travel with Chase, 3% cash back on dining at restaurants, 3% at drugstores and unlimited 1.5% cash back on every purchase on an ongoing basis. Rewards can be redeemed for a statement credit, direct deposit or gift cards. You can also use your cash back to shop on Amazon or book travel. Rewards never expire and can be redeemed in any amount.

The Annual Fee: $0

Credit Score Needed: Excellent, Good

PROS:

  • Free and easy is how we like it. There is no annual fee and you earn a flat 1.5% cashback on all purchases automatically. There is no limit on the amount you can earn and the rewards never expire. Plus, there's that 5% cash back you'll earn on $12,000 spent at grocery stores in the first year.
  • There is an easily attainable $200 signup bonus. Just spend $500 in qualified purchases within the first three months of opening an account.
  • This card offers an attractive introductory APR offer. New cardholders receive intro 0% APR for purchases for 15 months (then 14.99% - 23.74% Variable).

CONS:

  • There is a 3% foreign transaction fee on this card which is a drawback for anyone who travels internationally or makes purchases in a foreign currency regularly.
  • The 1.5% cash back on all purchases is right about the industry average, but you could do better with a card that offers higher cash back on targeted or rotating categories.

Read our full Chase Freedom Unlimited® review.

5
About Our Ratings

Why We Like It: This card not only offers new cardholders a great bonus of $200 if you spend $500 with the card in the first three months of opening the account, but you can also earn 5% cash back at grocery stores up to $12,000 in purchases your first year.

The Bonus:  Earn a $200 bonus after you spend $500 within the first three months of account opening. Plus, earn 5% cash back on grocery store purchases (excluding Target® and Walmart® ) for the first $12,000 spent during your first year as a cardholder.

The Rewards: Earn 5% cash back on travel purchased through the Chase Ultimate Rewards® portal, 5% cash back on up to $1,500 spent in categories that rotate quarterly (activation is required each quarter). You can also earn 3% cash back at restaurants, including takeout and delivery, 3% cash back on drugstore purchases and 1% cash back on all other eligible purchases.

The Annual Fee: $0

Credit Score Needed:  Excellent, Good

PROS:

  • You can earn a bonus worth $200 when you spend $500 with the card in the first three months of opening the account, which is a pretty high bonus for a low spending requirement.
  • You also earn 5% on grocery store purchases (except at Walmart and Target) up to $12,000 your first year. This means your bonus for the first year could be as much as $600 your first year, just on groceries.
  • This card awards a bunch of different everyday type categories that go well with grocery store purchases. There’s a good chance you’ll be able to really rack up the bonuses and cash back—and there’s no annual fee.

CONS:

  • There are many different purchase categories so if you aren’t ready to activate categories or manage your spending according to the types of purchases, this card might not be for you.
  • While it does offer several benefits and bonuses, it also has a 3% of each transaction in U.S. dollars fee for foreign purchases, so you won’t want to use this card abroad.

Read our full Chase Freedom Flex℠ review

5
About Our Ratings

Why We Like It: This card rewards you once when you make a purchase and again when you pay your bill. There's no annual fee, and you get a flat cash-back reward so there is no need to worry about your Walmart or Target purchases not counting as groceries. If you transfer a balance when opening your account, you'll get 0% APR for the first 18 months (then 13.99% – 23.99% (Variable)). Citi is a CardRatings advertiser.

The Bonus: Enjoy 0% intro APR on balance transfers for 18 months (then 13.99% – 23.99% (Variable)

The Rewards: You'll receive 1% cash back on all your purchases, including groceries. Then, you'll get another 1% cash back when you make payments on those purchases. Just make sure you're making minimum payments on-time to get the second 1% back. Rewards are unlimited and can be redeemed once you've accumulated $25. Redemption options include a check, statement credit or credit to a Citi savings or checking account.

The Annual Fee: $0

Credit Score Needed: Excellent

PROS:

  • Citi® Double Cash Card offers a 0% introductory interest rate for a full 18 months on balance transfers.
  • No annual fee is always a nice perk when it comes to rewards credit cards.
  • Earning rewards is easy with this card. You get 1% when you make the purchase and another 1% when you pay for them.

CONS:

  • This card offers neither a signup bonus nor an introductory interest rate for purchases.
  • To qualify for the bonus cash-back rewards, you need to make at least the minimum payment, on time each month. This encourages healthy credit card practices though, so it's not too strong of a con in our minds.

Read our full Citi® Double Cash Card - 18 month BT offer review.

5
About Our Ratings

Why We Like It: While this card is a logical card choice for Costco warehouse shoppers, it also comes with valuable cash-back benefits for all kinds of purchases. These include 4% cash back on eligible gas (for the first $7,000 per year, 1% thereafter); 3% cash back at restaurants and on eligible travel purchases; and 2% on purchases from Costco and Costco.com. Members of the warehouse club won't pay an annual fee, and the card doesn't charge any foreign transaction fees either.

The Bonus: None at this time.

The Rewards: Cardholders receive 4% cash back on eligible gas (for the first $7,000 per year, 1% thereafter); 3% cash back at restaurants and on eligible travel purchases; 2% on purchases from Costco and Costco.com; and 1% on all other purchases. Cash back is issued once a year as a reward certificate that can be redeemed for cash or merchandise at Costco stores.

The Annual Fee: $0

Credit Score Needed: Excellent

PROS:

  • No annual fee with your paid Costco membership and no foreign transaction fees.
  • You earn 2% on purchases from Costco and Costco.com which is great if you like to do your grocery shopping in bulk.
  • Because this card earns a robust 4% on eligible gas purchases (for the first $7,000 per year) it's also great if you like to fill you car up with gas after you grocery shop.

CONS:

  • While it's easy to accumulate cash back, it's only redeemed once a year and is done automatically, giving the cardholder very little control.
  • Costco membership is required. While the card has no annual fee, you must pay for a Costco membership to apply.

Read our full Costco Anywhere Visa® Card by Citi review.

4
About Our Ratings

Why We Like It: The Blue Cash Preferred® Card from American Express is hands-down one of the best card for groceries in terms of the percentage of cash back offered. The 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) offer is a hard offer to beat, and there's also intro 0% APR on new purchases for the first 12 months (then 13.99% - 23.99% Variable), further sweetening the deal. American Express is a CardRatings advertiser. 

The Bonus: For a limited time earn a $300 statement credit when you spend $3,000 in purchases within the first six months of opening your account (offer expires 12/10/20).

The Rewards: Cardholders earn 6% cash back on the first $6,000 spent at U.S. supermarkets each year and then 1% on purchases after that. You also earn 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit and gas purchases at U.S. gas stations, and 1% cash back on everything else.

The Annual Fee: Limited time offer: $0 introductory annual fee for one year, then $95 (offer expires 12/10/20)

Credit Score Needed: Good, Excellent

PROS:

  • This card offers 6% cash back on all grocery purchases at U.S. supermarkets up to $6,000 per year. That works out to a maximum of $360 in cash back on groceries alone. Who ever said grocery shopping wasn't fun?!
  • Introductory 0% APR on all new purchases for 12 months is a great offer if you have a large purchase on the horizon. After the intro period, regular 13.99% - 23.99% Variable APR applies.
  • The welcome bonus is easy to earn and could go a long way towards future grocery purchases.

CONS:

  • Some stores may seem like "supermarkets," but they might not actually qualify for the rebate. Wholesale clubs, superstores and alcohol retailers are typically the culprits for this confusion.
  • You'll probably want to leave this card at home when you travel abroad as it charges fees on foreign transactions.

Read our full Blue Cash Preferred® Card from American Express review.

Bank of America® Cash Rewards credit card

(This card is not currently available on CardRatings)

5
About Our Ratings

Why We Like It: The Bank of America® Cash Rewards credit card is another solid choice for grocery rewards. Not only does it offer 2% cash back at grocery stores and wholesale clubs, but you can earn 3% cash back in a category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Plus, the card doesn't have an annual fee.

The Bonus: Receive $200 online cash rewards after making $1,000 in purchases within the first 90 days of opening your account.

The Rewards: Cardholders receive 2% cash back for purchases made at grocery stores and wholesale clubs. They also get 3% cash back in their choice of one of the following categories: gas, online shopping, dining, travel, drug stores or home improvement/furnishing. All other purchases receive 1% cash back. Rewards for the 3% and 2% cash back categories are limited to the first $2,500 in combined purchases made each year. After that, all purchases receive 1% cash back. An additional 25-75% more cash back on each purchase is available to Preferred Rewards members; the exact bonus depends on your tier. 

The Annual Fee: $0

Credit Score Needed: Excellent/Good

PROS:

  • This card gives you the freedom to choose where you earn bonus cash back each month. Grocery shopping isn't one of these options, however, the options are still popular everyday categories such as gas, home furnishings, drug stores, online shopping and dining.
  • It's not the highest bonus rate this card offers, but 2% on all grocery purchases is a solid deal. (There is a $2,500 cap on these combined 3% and 2% tiers each quarter. All other purchases earn 1%.)
  • Enjoy a $200 online cash rewards bonus after you spend at least $1,000 in the first 90 days of account opening.

CONS:

  • There is an added perk of earning an extra 25-75% cash back on each purchase if you're a Bank of America Preferred Rewards Member. This is a really nice perk, but really only for those who qualify for this status.
  • If you're an avid international traveler you might want to choose a different card as this one charges fees on foreign transactions.

Read our full Bank of America® Cash Rewards credit card review.

Capital One® Savor® Cash Rewards Credit Card

(This card is not currently available on CardRatings)
5
About Our Ratings

Why We Like It: The Capital One® Savor® card is a good choice regardless of whether you like to dine out or eat in. Not only does it offer 2% cash back at grocery stores, but you'll also get 4% back on meals at restaurants. You also earn 5% cash back on Uber Eats until January 31, 2021. Beyond that, we like that this card waives its annual fee for the first year and doesn't have any foreign transaction fees. Plus, it also comes with other perks such as extended warranty protection, travel accident insurance and 24-hour complimentary concierge service.

The Bonus: Earn a $300 cash bonus after spending $3,000 in purchases within three months of opening your account.

The Rewards: Unlike other cards, there is no cap on the rewards you can earn with Capitol One® Savor®. Cardholders receive 2% cash back on purchases at grocery stores (excluding superstores), 4% cash back on dining and entertainment purchases and 1% cash back on everything else. You also earn 5% cash back on Uber Eats until January 31, 2021. Cash back can be redeemed as a statement credit or a check.

The Annual Fee: $95

Credit Score Needed: Excellent, Good

PROS:

  • If you are a foodie, this is a good card to have in your wallet as it earns a healthy 4% cash back when at restaurants and 2% on all grocery purchases.
  • What's food without a show? You will also earn 4% cash back on all entertainment purchases, including sporting events, concerts, etc.
  • If you travel overseas for business or pleasure, you will love the fact that this card does not charge a fee on foreign transactions.

CONS:

  • Though it's waived the waived the first year, there is an annual fee to consider moving forward.
  • The welcome bonus of $300 is nice but to earn it you will need to spend at least $3,000 in the first three months after your account is activated, a high threshold compared to some other cards.

See our full Capital One® Savor® Cash Rewards Credit Card review.

 

EDITOR'S NOTE

If the benefits of the Capital One® Savor® card sound appealing to you, but the annual fee does not, consider its sister card, the Capital One® SavorOne® Cash Rewards Credit Card, instead. It offers the same rewards on groceries, 2% cash back, but just a smidge less on entertainment and dining out, 3%. The bonus for new cardholders is also a bit less, at $150 cash back after spending $500 within the first three months of opening an account, but on the upside, there’s a 15 month intro period of 0% APR on purchases and balance transfers (then 15.49% - 25.49% (Variable)) making it a great option if you’ve got a large purchase on the horizon or need some extra time to pay off an existing debt.


U.S. Bank Cash+™ Visa Signature® Card

(This card is not currently available on CardRatings)

5
About Our Ratings

Why We Like It: This card is all about giving you choices to maximize your cash back. Cardholders can select two categories to receive 5% cash back and one everyday category - including grocery stores - to receive 2% cash back. The card doesn't charge an annual fee, and balance transfers have intro 0% APR for the first 12 billing cycles (then 13.99% - 23.99%* Variable).

The Bonus: Earn a $150 bonus after spending $500 on eligible purchases within 90 days of opening an account.

The Rewards: Earn 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose; 2% cash back on your choice of one everyday category, like gas stations or grocery stores; and 1% cash back on all other eligible net purchases. Rewards can be redeemed in $5 increments and for a minimum of $20 as a statement credit, rewards card or deposit to a US Bank savings, checking or money market account. Rewards expire 36 months after the billing cycle in which they were earned.

The Annual Fee: $0*

Credit Score Needed: Good,Excellent

PROS:

  • If you take full advantage of the tiered rewards program you can reel in some excellent cash back rewards. You have the option to choose two everyday categories each quarter to earn 5% cash back on your first $2,000 in spending. That can add up to $100 per quarter.
  • Beyond this, you can earn 2% cash back on one non-rotating category of your choice and 1% on all other purchases.
  • The welcome bonus for new cardholders is faily easy to obtain. You can earn $150 when you spend just $500 in the first three months after account activation.

CONS:

  • If you don't like to think about tiered or rotating categories, this may not be the card for you as you need to stay on top of your category choices each quarter. If you fail to chose your categories for a new quarter, you drop to the default of 1% cash back on all purchases.
  • This card isn't great for international travel as it charges a fee on foreign transactions.

Read our full U.S. Bank Cash+™ Visa Signature® Card review.

Discover it® Cash Back

(This card is not currently available on CardRatings)
5
About Our Ratings

Why We Like It:: This is another card we love for its cash-back earning potential. Every quarter the Discover it® Cash Back card offers 5% cash back on select categories of spending. Although the categories can change every year, in 2019, cardholders received 5% cash back on grocery store purchases during the first quarter and 5% cash back on Walmart.com and Target purchases in the fourth quarter.

The Bonus: Discover will match, with no limit, all the cash back you earn in your first year of having the card.

The Rewards: Cardholders receive 1% cash back on all purchases. Each quarter, select categories such as grocery stores or restaurants, earn 5% cash back, up to the quarterly maximum each time you activate. Rewards can be redeemed in any amount as a statement credit or be used to shop on Amazon. 

The Annual Fee: See Terms

Credit Score Needed: Excellent, Good

PROS:

  • You earn a robust 5% cash back on rotating categories each quarter (up to $1,500 spending). Categories include everyday expenditures such as groceries, gas, restaurants and online shopping. You earn unlimited 1% cash back beyond the $1,500 limit and on all other purchases.
  • With this card you can enjoy no annual fees and no foreign transaction fees.
  • Discover will match, dollar for dollar, the rewards you have earned in the first 12 months after your account is activated. If you earn $300 during the first 12 months, you'll get another $300 after your first account anniversary.

CONS:

  • Discover cards are continuing to increase acceptance but they are still accepted at less merchants than Visa and Mastercard.
  • If you prefer a more simple and straightforward rewards program, you'll likely do better with a card that pays a flat cash-back reward rate.

Read our full Discover it® Cash Back review.

BEST TRAVEL REWARDS CREDIT CARDS FOR GROCERIES

5
About Our Ratings

Why We Like It: The is the only credit card that automatically rounds up to the nearest 10 points on every purchase, with no cap, making it easy to earn rewards on grocery and gas purchases with a flat 2X ThankYou® points earned at supermarkets and gas stations for the first $6,000 in purchases per year, then 1X thereafter. Points can be redeemed in a number of ways, including for travel, gift cards and merchandise.

The Bonus: Earn 15,000 bonus points after you spend $1,000 in purchases with your card within three months of account opening; redeemable for $150 in gift cards at thankyou.com.

The Rewards: Earn 2X ThankYou® points at supermarkets and gas stations for the first $6,000 per year and then 1X point thereafter. Plus, earn 1X point on all other purchases. Since points are rounded up to the nearest 10, this means you'll earn 250 points on a $122 grocery purchase instead of 244.

The Annual Fee: $0

Credit Score Needed: Excellent

PROS:

  • Because points are rounded to the nearest 10, you have the potential to rack up rewards fast with regular use of the card. For example, if you spend $81 at the grocery store, you'll earn 170 points off that purchase instead of 162.
  • Points can be redeemed in a number of ways, including for travel, gift cards and merchandise.
  • Enjoy 0% introductory APR for purchases and balance transfers for 15 months from date of account opening (then 13.49% - 23.49% (Variable)).

CONS:

  • There are a limited number of travel partners who will accept the transfer of ThankYou® points on a 1:1 basis compared to other Citi rewards cards.
  • The introductory offer of 15,000 bonus points isn't huge, though it is easily attainable by making just $1,000 in qualifying purchases over the first 90 days you have the card. This is still a decent offer for a card with no annual fee.

Read our full Citi Rewards+ Card review.

4
About Our Ratings

Why We Like It: If you like to stay in Hilton hotels when you travel, the Hilton Honors American Express Surpass® Card is a great way to quickly rack up free nights just for doing something as routine as buying groceries. This card will earn you 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your card at U.S. supermarkets, U.S. restaurants, and U.S. gas stations. It also earns a whopping 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton Portfolio, and 3X points on all other eligible purchases. Better yet, the bonus for new cardholders is huge, at 130,000 Hilton Honors Bonus Points earned once you use your card to make $2,000 in eligible purchases within the first three months of membership.

The Bonus: New cardholders can earn 130,000 Hilton Honors Bonus Points once spending $2,000 on eligible purchases within the first three months of membership.

The Rewards: Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton Portfolio; 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your card at U.S. supermarkets, U.S. restaurants, and U.S. gas stations; and 3X points on all other eligible purchases. 

The Annual Fee: $95

Credit Score Needed: Good, Excellent

PROS:

  • If you use your Hilton Honors American Express Surpass® Card for at least $15,000 in spending during a year, you earn a free weekend night stay. This, by itself, covers your annual fee.
  • When it comes to bonuses, Hilton Honors American Express Surpass® has one of the best, offering an eye-popping 130,000 bonus points earned when you spend just $2,000 in the first three months after your account is activated. Depending on your travel location and dates, this alone could earn you multiple free night stays.
  • You earn a whopping 6X points on grocery purchases made at U.S. supermarkets, which is one of the best offers for groceries of any travel rewards cards we've seen.

CONS:

  • The annual fee is not outrageous, but it's not waived for the first year, so you will need to make good use of the card to make it worthwhile.
  • If you like to travel and you enjoy staying at Hilton properties, this is an excellent way to rack up free nights, but outside of hotel stays, the points redemption options are limited.

Read our full Hilton Honors American Express Surpass® Card review.

5
About Our Ratings

Why We Like It: This is an excellent option for anyone who doesn’t want to think about how they earn rewards, and instead, just want to earn them… no thought required. With the Capital One® Venture® card you’ll earn a flat 2X miles on every purchase you make. Plus, earn 5X miles per dollar spent on Uber Eats until January 31, 2021. So whether you’re shopping for groceries at your local supermarket or at Target, making a travel purchase, or using your card to pay your gym membership, you’ll earn 2X miles on every dollar you spend. It’s as simple as that.

The Bonus: Enjoy a one-time bonus of 100,000 miles once you spend $20,000 on purchases within 12 months of opening an account or 50,000 miles after spending $3,000 with your card within the first three months.

The Rewards: Earn 2X miles on every purchase, every day. Earn 5X miles on Uber Eats until January 31, 2021. Miles can be transferred to several leading travel loyalty programs or redeemed as an account statement when using the “purchase eraser” option. 

The Annual Fee: $95

Credit Score Needed: Excellent, Good

PROS:

  • Simplicity is a beautiful thing when it comes to a rewards program. The Venture® card gives you 2X miles for every dollar spent on every purchase. It's that simple.
  • In addition to travel, miles can also be redeemed for various travel expenses, such as hotel stays, vehicle rentals and theme park tickets. Miles can also be turned into cash and merchandise credit.
  • There are no foreign transaction fees.

CONS:

  • If you do choose to redeem your miles for cash, the value is only half that of redeeming for travel or merchandise.
  • The current partner airlines with the Venture® card are not the most common or frequently used for rewards travel so transferring points may not provide as much value as other card programs.

Read our full Capital One® Venture® Rewards Credit Card review.

5
About Our Ratings

Why We Like It: The American Express® Gold Card is good choice for rewards on both supermarket purchases and dining, but while most of the best credit cards for groceries offer cash back, this card gives cardholders Membership Rewards points that can be redeemed for travel, gifts or statement credits. Points can also be transferred to other loyalty programs such as Marriott Bonvoy and Delta SkyMiles for added flexibility. The Gold Card comes with more perks than we can possibly name here. A dining credit, airline credit and car rental insurance are just a few of the cardholder benefits.

The Bonus: Earn 60,000 Membership Rewards® points when you spend $4,000 on new purchases within six months of opening an account.

The Rewards: Earn 4X Membership Rewards® points when you dine at restaurants worldwide; 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X); 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com; and 1X point on all other eligible purchases. 

The Annual Fee: $250

Credit Score Needed: Good, Excellent

PROS:

  • If you like racking up rewards in a hurry, this card fits the bill. You earn 4X points per dollar spent at U.S. supermarkets (up to $25,000 in purchases per year), 4X points per dollar spent on restaurants around the world and 3X points per dollar spent on flights booked at amex.com
  • Get a jumpstart on your rewards with 60,000 bonus points earned by spending at least $4,000 in the first six months after opening an account.
  • You can earn up to $10 in statement credits each month when you pay with your Gold card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations.
  • There are no foreign transaction fees, which can result in big savings if you travel overseas frequently for business or pleasure.

CONS:

  • The annual fee is hefty. It can be offset by the cash back you earn but not if American Express is not your "go to" card.
  • As this is a charge card (not a credit card), you will be expected to pay your balance in full every month.
  • The overall rewards earning with the Gold card is good, however the travel rewards earning being higher only on specific travel purchases made through American Express can be a bit of a barrier compared to other travel rewards cards that offer higher points earning on most travel purchases.

Read our full review of the American Express® Gold Card.

BEST GROCERY CREDIT CARD FOR FAIR CREDIT SCORES

5
About Our Ratings

Why We Like It: The Capital One® QuicksilverOne® Cash Rewards Credit Card is geared towards credit card users with a limited credit history and/or fair credit. It earns unlimited, flat 1.5% cash back on every purchase made, including grocery purchases, and offers users the opportunity for a higher line of credit in as little as six months.

The Bonus: There’s not a traditional bonus offered for new cardholders, however, we consider the opportunity to improve your credit to be an invaluable bonus of sorts. Plus, there’s also the opportunity to increase your line of credit in as little as six months, which is a nice added perk.

The Rewards: Earn unlimited 1.5% cash back on every purchase, every day.

The Annual Fee: $39

Credit Score Needed: Average, Fair, Limited

PROS:

  • We like things nice and simple. This card offers a flat 1.5% cash-back rate on every purchase. No caps, no categories, no expiration.
  • There are no foreign transaction fees charged with this card.
  • Quicksilverone® offers several perks beyond the cash-back rewards. These include 24/7 concierge service, travel upgrades and purchase protection.

CONS:

  • The 1.5% flat cash-back rate is only fair. Many other cards offer a higher base rate or offer specialty categories with significantly higher cash back rates. This is a good offer though for people with fair credit scores.
  • The annual fee is modest, but still, it's something to consider.

Read our full Capital One® QuicksilverOne® Cash Rewards Credit Card review.

BEST GROCERY CREDIT CARD FOR MILITARY MEMBERS AND THEIR FAMILIES

USAA® Cashback Rewards Plus American Express® Card

(This card is not currently available on CardRatings)

5
About Our Ratings

Why We Like It: Designed to meet the needs of military members and their families, this card offers 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined, and 2% on your first $3,000 on supermarket purchases each year. Beyond that you’ll earn 1% cash back on all other purchase (and once you meet the $3,000 spending thresholds). One of the best perks of this card? If you have a balance on your account at the time you enter active military duty, you’ll get 4% APR on that existing balance until one year after you complete active duty.

The Bonus: There is no traditional bonus, per se, however, if you have a balance on your account at the time you enter active military duty, you’ll get 4% APR on that existing balance until one year after you complete active duty.

The Rewards: Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined; 2% on your first $3,000 on supermarket purchases per year; and unlimited 1% cash back on all other purchases.

The Annual Fee: $0

Credit Score Needed: Good - Excellent

PROS:

  • This card has no annual fee and no fee for foreign transactions.
  • USAA® Cashback Rewards Plus American Express® Card offers a stellar 5% cash back on your first $3,000 in combined spending annually at gas stations, commissaries, exchange and shoppette locations on military bases. You also earn 2% cash back on your first $3,000 spent annually at supermarkets, and an unlimited 1% cash back on all other purchases.
  • The card has state-of-the-art security measures, including biometrics, Quick Logon, CyberCode text and computer recognition.

CONS:

  • This card is specifically designed with the needs of military personnel and their families in mind. If you are not a member active duty military, you won't be able to take full advantage of all the perks available.
  • The 2% cash back on groceries only applies to purchases at supermarkets and neighborhood grocery stores – not discount stores like Walmart or wholesale clubs like Costco and Sam's Club.

Read our full USAA® Cashback Rewards Plus American Express® Card review.

HOW TO MAXIMIZE CREDIT CARD REWARDS

Grocery purchases are something everyone has to make, so you might as well get rewarded for them, right? With responsible use, rewards credit cards are a great way to in some sense, reimburse you for those purchases. However, before you decide which new card you'll add to your wallet, there are a few tips to consider to ensure you're making the most of your card and the rewards that it offers:

  • Consider where you shop the most. An increased cash-back offer at grocery stores might seem like an enticing offer, but not if do all of your shopping at say, Walmart, and your credit card issuer doesn't consider Walmart a grocery store. Are you willing to change where you do your grocery shopping? A smarter move may be to consider a credit card with a more flexible rewards program, such as the Capital One® Venture® Rewards Credit Card which offers 2X miles for every dollar you spend - no matter where you make a purchase.
  • Use the right card. Seems a bit superfluous to even mention it, but you'd be surprised how often people stick to just one credit card, forgetting that they actually have another that would be better suited for the situation. If you're carrying multiple credit cards, make sure you're choosing whichever card will earn you the most rewards for the purchase. If you're shopping at a supermarket and you have a card that earns you 3% cash back on grocery purchases, use that one. Don't use your card that earns you a flat 1.5% cash back on all purchases, just because that's what you're used to using. If you're carrying multiple rewards credit cards, each time you make a purchase is an opportunity to earn rewards. Be sure to make the most of that opportunity.
  • Consider what kind of rewards you'd like. Do you like the idea of cash back in your wallet, or are you working towards your next big vacation? Do you have a preferred hotel group or airline that you'd like to accumulate points/miles with? Or do you prefer a simple check or statement credit? Don't take these questions lightly as you decide which card to apply for. While it's true that many cash-back cards have travel partners that you can transfer rewards to, and many travel cards have cash-back redemption options, these options might not always offer you the best value for your rewards. If you'd like flexibility with how you use your rewards, a true cash-back credit card might be your best option. However, if you only want rewards for travel, consider a card that earns points or miles instead.
  • Make sure to meet the bonus spending threshold before the introductory period expires. We don't recommend signing up for a credit card just for the signup bonus; however, if you sign up for a card with a signup bonus, make sure that you meet the spend threshold before the offer period expires. Even if you don't think you'll spend that much with your card every month, try and at least spend that much during the introductory period so you can reap the benefits of the offer.

HOW DO GROCERY REWARDS WORK?

All grocery rewards credit cards automatically reward users for their purchases, but how they do that can vary by card. For instance, some rewards cards offer flat rate cash back for every purchase, regardless of whether you’re shopping at a grocery store or somewhere else. Others offer extra rewards for purchases at supermarkets. The best credit cards for groceries offer as much as 6% cash back when you shop at eligible stores.

This cash back accumulates in your account and then can be redeemed as a statement credit, for merchandise or gift cards, or as a direct payment. A few cards offer miles or points instead of cash back which can be redeemed for travel, merchandise or experiences.

HOW TO SAVE ON GROCERY BILL?

When looking for the best credit card for grocery shopping, keep an eye open for cards that offer bonus cash back or points specifically for purchases made at supermarkets. These can be a simple way to save additional money off your grocery bill. What's more, you can use your card along with coupons or savings apps like Ibotta and Checkout 51 to maximize your savings.

However, as with all rewards credit cards, it's essential to pay off your balance every month. Paying interest on a card balance is a surefire way to wipe out any savings you get from grocery store credit cards.

DOES WALMART COUNT AS A GROCERY STORE?

Walmart and Target typically are not considered grocery stores by credit card issuers. Some companies, such as American Express and Capital One, specifically state on their websites that superstores are excluded from grocery rewards. However, you may need to read the fine print or contact customer services to confirm whether this is the case for other issuers. If you shop primarily at one of these big box stores, the best card for groceries in your case may be an all-purpose cash-back card that offers the same rewards for all purchases, regardless of where you shop.


To see the rates and fees for the cards featured in this post, please visit the following links: Hilton Honors American Express Surpass® Card: See Rates and Fees; Blue Cash Preferred® Card from American Express: See Rates and Fees; American Express® Gold Card: See Rates and Fees

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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