If you are living in the U.S., you must have spent lots of money on food and candy, especially on holidays, and barely received any cashback or rewards points. Now, if you are looking for the best credit card for grocery shopping to get exciting cashback or rewards that will save you a handsome amount every year. Then you are at the right place, because here we are discussing some of the best credit cards that can help you save money while shopping.
Also, we will discuss how you can grab the best deal while choosing a credit within your budget. So, do not jump anywhere else if you really want to save your hard-earned money and want to enjoy your life.
Why a Grocery Focused Credit Card Matters?
Groceries are one of the fewest expenses that one can forecast each month. Because supermarket spending is frequent and sizable for households, according to your family. Here are several card issuers that offer typically far above the 1% to 2% base rate of most cards. This is why picking the best credit card for grocery shopping matters for you. Because the right credit card for grocery purchases can produce the highest bang for your buck.
However, remember that not all grocery cards are created equal. Like, some cards pay very high rates but only on traditional supermarkets and up to an early cap. While other cards pay a heavy bonus for a limited amount only, or provide a simple flat rate on every purchase.
Best Credit Cards for Grocery Shopping
Below, we have listed some of the best credit card for grocery shopping that offer attractive cashback and high rewards. Have a look at it to grab the best deal.
- American Express Blue Cash Preferred:-
- Comes with high-rate supermarket rewards.
- Offer 6% cash back at U.S. Supermarkets on up to $6000 per year.
- Also, offer elevated cash back in a few other categories like streaming, gas, etc.
- Considered one of the top cards for families or shoppers who spend heavily on traditional supermarkets.
- Citi Custom Cash Card: –
- The card comes with no annual fee.
- Offer 5% cashback on your top eligible spending category each billing cycle (up to $500) and then 1% thereafter.
- Ideal for those who are looking for the best grocery card with no annual fee.
- Provide a welcome bonus.
- Citi Double Cash: –
- Offer the best, simple, predictable flat rate.
- Offer 2% cash back on everything.
- No annual fee
- offer no category restrictions or caps.
- Works at supermarkets, clubs, warehouses, big-box retailers, etc.
- Ideal for shoppers who value simplicity and flexibility.
- Wells Fargo Active Cash Card: –
- Comes with 2% cashback on all purchases, including groceries.
- Comes with no annual fee.
- No need to track categories or cap.
- Ideal for simple shoppers.
- Bank Of America Customized Cash Rewards Credit Card: –
- Comes with a 3% cashback category (you can choose to be groceries).
- Comes with no annual fee.
- Offer flexibility to adjust categories to get the bonus based on your changing habits.
- Ideal for the shoppers who are looking for moderate rewards but prefer flexibility over high caps.
These are some of the best credit cards for grocery shopping that offer you attractive cash back and can save you a handy amount yearly.
How to Choose the Right Grocery Credit Card?
Below, we have explained how you can get the best credit card for grocery shopping. Have a look at it to grab the best deal according to your habits.
- Grocery Reward Rate – Always go for the card that offers elevated rewards for supermarket/grocery-store purchases.
- Caps or Limits on Bonus Rewards – Remember, several high-reward cards impose a cap (monthly, quarterly, or yearly) on how much you spend on groceries to qualify for the bonus rate. So choose the card accordingly.
- Annual Fee Vs Expected Reward – Always remember that if the card that you have chosen charges an annual fee, ensure that your expected grocery spend will offset that cost.
- Simplicity vs Complexity – Several cards offer flat rewards on all purchases. While others give bonuses only for groceries.
- Your Grocery Shopping Habits – This is important, like how often, where, and how much you spend. Because the more you spend, the more you benefit from high-bonus grocery cards. These habits can help you to grab the best credit card for grocery shopping to save you money.
These are some of the important points that one should follow/check to grab the best grocery credit card to save a handy amount early.
How To Maximize Your Grocery Rewards
Some points can help you maximize your grocery rewards if you follow them. Below, we have mentioned those points for you. Please have a look at it.
- Use Right card at Checkout – Make it a habit to use grocery cards for supermarkets and flat cards for everything else. These simple habits can help you save a handsome amount yearly.
- Monitor Caps and Rotate -Always remember if you are closing in on an annual or monthly cap, switch to your secondary card option.
- Watch Online Grocery Rules – There are some credit cards that explicitly include online grocery orders at eligible supermarkets. However, others don’t; that’s why you should check issuer pages before placing an order.
- Time Large Purchases – If you know that a big grocery buy is coming, plan to split transactions across billing cycles.
These are some points that you can maximize your rewards with the help of the best credit card for grocery shopping.
Conclusion
There is no single best credit card for groceries. To find the best card for you, you need to follow your spending patterns or habits to choose the right one accordingly. Apart from this, first decide what kind of card you are looking for, like a high-rewards card or a no-annual-fee card with decent cashback.
In addition, to get the best credit card for grocery shopping, you need to pay attention to what you want or not. Groceries are one of those few expenses that you can predict every month according to your family size. Using the right credit can save you money if you use it responsibly.
Frequently Asked Questions (FAQ’s)
Q – Which credit card is best for online grocery shopping?
Ans – For online grocery shopping in the U.S., a great choice is Blue Cash Preferred® Card — it gives 6% cash back on orders from U.S. supermarkets (including many online-ordering and delivery services like Instacart or Amazon Fresh) up to a $6,000/year cap.
Q – Which credit card gives the highest rewards on grocery shopping?
Ans – The Blue Cash Preferred® Card from American Express is one of the top choices, offering 6% cash back at U.S. supermarkets (up to $6,000 per year). It’s ideal for families or anyone who spends heavily on groceries and wants maximum savings.
Q – Do grocery credit cards also work for online grocery delivery apps?
Ans – Yes, most grocery credit cards reward both in-store and online grocery purchases. Cards like Amex Blue Cash Preferred and Chase Freedom Unlimited can earn rewards on apps such as Instacart, Amazon Fresh, Walmart Grocery, and local supermarket delivery services, depending on the merchant category code (MCC).
Hi, my name is Sachin. I am currently studying Economics in college and have a strong interest in personal finance topics like credit cards and loans. Along with my studies, I work as a content writer, where I create educational and easy-to-understand content to help readers better understand financial topics and make informed choices.
