Which Are The Best Credit Cards For Groceries?

Jan 24, 2024 By Triston Martin

The best credit cards for grocery shopping either do not charge annual fees, give bonus credits that can be used at grocery shops, or have costs that may be compensated for by extra rewards or bonuses. We analyzed our massive database in-depth to determine which rewards credit cards provide the most potential for various distinct types of supermarket shoppers to accrue the most points. According to the way you often buy groceries, these are the credit cards that will serve you the best.

Blue Cash Preferred® Card

After making purchases totaling $3,000 on your new Card during the first six months of your Card Membership, you will be eligible for a cash rebate of $300. You will get a credit to your account in the amount of the cash originally charged to you. Because it offers an outstanding 6 percent cash back at U.S. supermarkets on spending up to $6,000 per year, the Blue Cash Preferred® Card from American Express is our top pick for best overall grocery and best cashback grocery rewards.

This is because cardmembers can earn up to $360 on grocery rewards alone with this credit card. As a result of the Card's generous cashback bonuses on eating and transportation purchases and petrol purchases, it is an excellent choice for main credit cards in the spending categories that are normally the most significant for most Americans.

American Express® In Gold

Because it awards 4 points for every dollar spent at U.S. supermarkets and restaurants combined, the American Express Gold Card is our top pick for earning rewards points for grocery shopping. This benefit is valid on purchases made in the United States. Additionally, earn three times the normal amount of Membership Rewards(R) points for flights booked on amextravel.com or directly with the airline. The potential rate of return on spending money on groceries may be very high if one considers that Membership Rewards points, depending on how they are redeemed, can be worth as much as one cent apiece. There is a yearly cost of $250, but it may be worthwhile to pay the annual price considering the rich bonus categories, such as $120 in meal credits.

Amazon Business Prime

The Amazon Business Prime American Express Card comes out as the Card that offers the greatest business grocery rewards since qualifying Prime Members may earn 5 percent back on their food purchases made at Whole Foods Market using the Card. All Whole Foods purchases, Amazon.com shopping, and charges made to Amazon Web Services (AWS) qualify for 5% back in rewards on the first $120,000 spent annually.

Businesses can select zero-percent financing for ninety days on purchases rather than receiving incentives of five percent. All other purchases only earn 1 percent cashback, while those made in the United States at petrol stations, restaurants, and telephone service providers get an infinite 2 percent cashback. New cardholders are welcomed with a $100 Amazon gift card upon acceptance, and there is no annual fee associated with this Card.

Amazon Prime Signature Visa

Because it offers a huge and limitless 5 percent rewards bonus on purchases made at Whole Foods Market and on Amazon.com, we determined that the Amazon Prime Visa Signature was the best option for earning food rewards at Whole Foods Market. Instead of receiving 5 percent back on purchases of $50 or more, you can select a promotional APR of 0 percent for a period of six to eighteen months, depending on how much time you need to pay off your purchases.

In addition, you will earn a one percent cashback at all other establishments and a two percent cash back at restaurants, petrol stations, and pharmacies. In addition, once your application for this Card is approved, you will immediately get a gift card worth $100 to use at Amazon. The yearly fee and any costs associated with making purchases in a foreign country are waived with this Card. Rewards do not have a time limit and may be credited against a purchase during the checkout process on Amazon.com or your monthly bill.

Capital One Mastercard

When it comes to getting cash back rewards on groceries purchased from Walmart or Walmart.com, our top recommendation is the Capital One Walmart Rewards Mastercard. The Capital One Walmart Rewards Mastercard is the obvious option for those who want to take advantage of the store's already low pricing while also earning significant cash back rewards on their grocery purchases. On purchases made at Walmart.com, whether for delivery or pickup, you will get cashback equal to five percent of the transaction price. When you use Walmart Pay, you will get a 5 percent increase in the cashback you receive in-store for the first year.

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