Everybody must eat, which implies folks are likely to spend some huge cash on meals at eating places and grocery shops. In 2021 the lowest-earning households spent a mean of $4,875 on meals, whereas the highest-earners spent a mean of $13,973 on meals[1].
With spending on meals and groceries so excessive, the power to earn rewards in your grocery purchases might end in huge financial savings. Many bank card issuers supply specialised grocery bank cards providing excessive ranges of money again for grocery purchases.
We’ll break down the perfect bank card for groceries and provide help to select the one which fits your wants.
Finest Grocery Playing cards
We reviewed greater than a dozen choices to seek out the perfect grocery rewards bank cards for you. Essential issues included the price of the cardboard, how a lot you’ll be able to earn, and whether or not the cardboard provided a cause to make use of it for purchases at places aside from the grocery retailer.
From our analysis, we got here up with this record of playing cards:
- Finest for groceries and fuel with no charge
American Specific Blue Money On a regular basis - Finest for groceries and fuel in the event you spend $3,200+ on groceries every year
American Specific Blue Money Most well-liked - Finest for individuals who purchase groceries at Goal or Walmart
U.S. Financial institution Shopper Money Rewards - Finest for individuals who need flexibility in incomes elevated rewards
Citi Customized Money - Finest for incomes on meals purchases at shops and at eating places
Capital One SavorOne
1.
American Specific Blue Money On a regular basis
🏆 Finest for groceries and fuel with no charge
Nice for individuals who desire a fuel and grocery card in a single. Nevertheless, the $6,000 restrict on purchases could restrict your annual rewards.
💵 Charges: None
🎁 Rewards Construction: 3% on groceries, fuel, and on-line purchases (max $6,000 in purchases per 12 months), 1% on the whole lot else
⭐️ Bonus: 20% again on PayPal purchases in the course of the first 6 months, as much as $150, $100 again after spending $2,000 within the first 6 months
👌 Perks: $84 in credit towards the Disney Bundle (Disney+, ESPN+, & Hulu), $180 in credit for Residence Chef
2.
American Specific Blue Money Most well-liked
🏆 Finest for groceries and fuel in the event you spend $3,200+ on groceries every year
Should you spend no less than $3,200 per 12 months on groceries, or spend lots on fuel and move the $6,000 restrict of the American Specific Blue Money On a regular basis, this card will out-earn the fee-free model.
💵 Charges: $0 for the primary 12 months, then $95
🎁 Rewards Construction: 6% on groceries (max $6,000 in purchases per 12 months) and streaming, 3% on transit and fuel, 1% on the whole lot else
⭐️ Bonus: $300 again once you spend $3,000 within the first 6 months
👌 Perks: $84 in credit towards the Disney Bundle (Disney+, ESPN+, & Hulu), $120 in credit for Equinox
3.
U.S. Financial institution Shopper Money Rewards
🏆 Finest for individuals who purchase groceries at Goal or Walmart
This card lets you choose shops for six% rewards. It doesn’t have main grocery chains out there however does allow you to select Walmart and Goal in your 6% earnings, making it nice for individuals who usually purchase meals at these shops.
💵 Charges: $0 for the primary 12 months, then $95
🎁 Rewards Construction: 6% on the primary $1,500 spent at two chosen retailers per quarter, 5.5% on pay as you go journey booked by way of the Rewards Journey Heart, 3% on the primary $1,500 spent in your selection of 1 on a regular basis class per quarter, 1.5% on the whole lot else
⭐️ Bonus: $250 again once you spend $2,000 within the first 120 days
👌 Perks: Versatile redemption choices, improve your earnings with a rewards buying portal
4.
Citi Customized Money
🏆 Finest for individuals who need flexibility in incomes elevated rewards
This card is very versatile, adapting your earnings to the place you spend essentially the most, which might be nice in case your spending fluctuates. Nevertheless, the $500 month-to-month spend restrict for elevated rewards may not be excessive sufficient for some.
💵 Charges: None
🎁 Rewards Construction: 5% in your prime spending class every month (max $500 spend per thirty days), 1% on the whole lot else
⭐️ Bonus: $200 again once you spend $1,500 within the first 6 months, 0% APR for 15 months
👌 Perks: Entry to occasions by way of Citi Leisure, Free FICO rating
5.
Capital One SavorOne
🏆 Finest for incomes on meals purchases at shops and at eating places
This card is a good possibility for individuals who prepare dinner at house lots however who additionally get pleasure from going out to eat, providing elevated rewards on in-home and restaurant meals.
💵 Charges: None
🎁 Rewards Construction: 3% on eating, leisure, streaming, and grocery shops, 1% on the whole lot else
⭐️ Bonus: $200 again once you spend $500 within the first 3 months, 0% APR for 15 months
👌 Perks: No overseas transaction charge, Capital One Buying robotically applies coupons when buying on-line, reductions by way of Capital One Journey
American Specific Blue Money On a regular basis
➕ Execs
- No annual charge
- Credit for common streaming providers
➖ Cons
- Solely earn elevated rewards on $6,000 in spending every year
- Not as extensively accepted as Visa/Mastercard
The American Specific Blue Money On a regular basis card is a primary, fee-free cash-back card. You should utilize it at grocery shops and fuel stations to earn 3% money again.
The principle disadvantage is that it limits this elevated incomes stage to the primary $6,000 in spending every year, which means you’ll solely earn $180 earlier than your earnings are lowered to 1%.
Nevertheless, the cardboard does include the perks that American Specific is thought for, providing credit that may provide help to save on subscriptions to Disney+, Hulu, and ESPN+. It can be a great way to get your foot within the door with American Specific, which can make it simpler to qualify in the event you select to use for one of many firm’s premium cost playing cards sooner or later.
This is likely one of the greatest bank cards for groceries for single folks and others whose spending on groceries is restricted.
American Specific Blue Money Most well-liked
➕ Execs
- One of many highest cash-back charges for groceries
- Additionally a fantastic card for fuel and streaming providers
➖ Cons
- $95 annual charge
- Not as extensively accepted as Visa/Mastercard
The American Specific Blue Money Most well-liked is the premium model of the Blue Money On a regular basis card, carrying a $95 annual charge. In trade for the charge, you’ll get an additional 3% money again on groceries and uncap the quantity you’ll be able to spend on fuel to earn elevated rewards.
Meaning it’s essential spend a complete of $3,166.67 on groceries, about $260 a month, to earn sufficient to cowl the annual charge. Should you spend lots on groceries and fuel, this card will provide help to earn extra rewards, however isn’t price the price in any other case.
It is a good bank card for groceries for households that spend closely on groceries and fuel.
U.S. Financial institution Shopper Money Rewards
➕ Execs
- Select the place you earn elevated rewards
- Bonus rewards at shops like Walmart/Goal
➖ Cons
- No elevated rewards at conventional grocery shops
- $95 annual charge
The U.S. Financial institution Shopper Money Rewards is a singular bank card in that it helps you to select the place you earn larger cashback charges. You possibly can choose your two favourite retailers (from a listing supplied by U.S. Financial institution) every quarter and earn 6% again on the primary $1,500 in mixed spending at these shops.
Whereas there aren’t massive grocery chains out there on the record, U.S. Financial institution does let you choose Walmart or Goal, which promote groceries in lots of places. Many grocery playing cards don’t rely purchases from these shops as grocery purchases, making this card top-of-the-line methods to get elevated rewards at these huge field shops.
The cardboard additionally comes with some flexibility. You possibly can select a second retailer to earn 6% on and a class akin to fuel or payments to earn 3% on, making the cardboard helpful for extra than simply shopping for meals.
This is likely one of the greatest bank cards for groceries in the event you’re an everyday shopper at shops out there on the cardboard’s elevated rewards record.
Citi Customized Money
➕ Execs
- Earn 5% in your highest spend class robotically
- 0% APR intro interval
➖ Cons
- Bonus rewards are restricted to $500 in spending every month
- Earn just one% on all different purchases
The Citi Customized Money card is likely one of the best rewards playing cards to make use of. You’ll earn bonus rewards on no matter class you spend essentially the most on every month. There’s no have to activate bonus presents or pre-select a class. As a bonus, you’ll be able to earn these elevated rewards on issues aside from groceries in the event you occur to not purchase many groceries in a single month.
Nevertheless, the cardboard doesn’t supply elevated rewards on something however your prime spending class. It additionally limits you to earn $25 per thirty days in your top-spending class earlier than it cuts your rewards charge to a measly 1%.
This card is likely one of the greatest bank cards for groceries for folks whose spending patterns change regularly and who don’t spend large quantities every month.
Capital One SavorOne
➕ Execs
- Earn elevated rewards on all sorts of meals
- 0% APR intro interval
➖ Cons
- Requires wonderful credit score
The SavorOne is, general, a incredible card providing 3% money again on eating places and groceries. That makes it best for individuals who wish to prepare dinner however who additionally get pleasure from going out to eat. The three% again on leisure and streaming is a good perk that makes this card much more helpful.
Cardholders may also benefit from the cardboard’s intro APR interval, financing a purchase order or transferring a stability and paying it off over time.
The first disadvantage of the cardboard is that it requires wonderful credit score. Should you’re simply beginning to construct credit score or have broken your credit score rating, you would possibly wrestle to qualify.
If in case you have wonderful credit score and also you spend on each eating places and groceries, this might be one among your greatest bank cards for groceries.
Evaluate Playing cards Desk for Finest Credit score Playing cards for Groceries
| Card | Charges | Rewards | Bonus | Perks |
|---|---|---|---|---|
| American Specific Blue Money On a regular basis | None | 3% on groceries, fuel, and on-line purchases (max $6,000 in purchases per 12 months)1% on the whole lot else | 20% again on PayPal purchases in the course of the first 6 months As much as $150, $100 again after spending $2,000 within the first 6 months | $84 in credit towards the Disney Bundle (Disney+, ESPN+, & Hulu) $180 in credit for Residence Chef |
| American Specific Blue Money Most well-liked | $0, then $95 per 12 months | 6% on groceries (max $6,000 in purchases per 12 months) and streaming3% on transit and gas1% on the whole lot else | $300 again once you spend $3,000 within the first 6 months | $84 in credit towards the Disney Bundle (Disney+, ESPN+, & Hulu) $120 in credit for Equinox |
| U.S. Financial institution Shopper Money Rewards | $0, then | 6% on the primary $1,500 spent at two chosen retailers per quarter5.5% on pay as you go journey booked by way of the Rewards Journey Center3% on the primary $1,500 spent in your selection of 1 on a regular basis class per quarter1.5% on the whole lot else | $250 again once you spend $2,000 within the first 120 days | Versatile redemption choices Improve your earnings with a rewards buying portal |
| Citi Customized Money | None | 5% in your prime spending class every month (max $500 spend per thirty days)1% on the whole lot else | $200 again once you spend $1,500 within the first 6 months0% APR for 15 months | Entry to occasions by way of Citi Leisure |
| Capital One SavorOne | None | 3% on eating, leisure, streaming, and grocery stores1% on the whole lot else | $200 again once you spend $500 within the first 3 months0% APR for 15 months | No overseas transaction charge Capital One Buying robotically applies coupons when buying on-line Reductions by way of Capital One Journey |
The way to Select Your Grocery Card
Choosing the right grocery card entails a couple of steps.
First, contemplate your credit score rating. Attempt to discover a card that approves folks with related credit score profiles.
Subsequent, evaluate your grocery spending. To decide on the cardboard that greatest meets your wants, you’ll want a superb deal with on how a lot you spend on groceries and the place you spend it.
Subsequent, take into consideration the rewards charges. The upper the speed, the extra rewards you’ll earn. Nevertheless, you additionally want to consider extra classes the place the cardboard presents bonus rewards and decide in the event that they’re helpful to you.
If there’s an annual charge, examine the cardboard to no-fee playing cards and take into consideration your spending. Solely go along with a card that has a charge if the extra rewards you’ll be able to earn exceed the charge plus what you’d earn from the rewards on a no-fee card.
💡 Realizing how to decide on a rewards bank card will provide help to earn rewards which can be helpful to you and maximize your good points. Study extra about how to decide on the perfect rewards card in your wants.
Is it Value Getting a Credit score Card Only for Groceries?
Must you get a bank card only for groceries? That will depend on your spending habits. Some folks spend lots on groceries and barely eat out. Others by no means prepare dinner and get takeout or a restaurant meal nearly day by day.
For many individuals, groceries are a prime spending class, so it’s price getting one. That’s significantly true for households, which are likely to spend closely and repeatedly on groceries.
Many playing cards on this record have a number of makes use of, so if you wish to keep away from crowding your pockets, you would possibly need to contemplate a card that you may use for extra than simply groceries.
Methodology
When evaluating the perfect bank cards for groceries, we regarded on the following elements:
- Incomes charge: Larger is healthier
- Charges: Decrease is healthier
- Signal-up bonus: Larger bonuses with decrease minimal spending are higher
- Perks: Larger-value and easier-to-use perks are higher
- Different: We additionally thought-about issues like extra, non-grocery bonus classes and high quality of customer support when choosing these playing cards