Grocery shopping every week is quite common. To make the most out of it, you should consider signing up for a co-branded Grocery credit card! Although there are a ton of different rewards cards out there, these credit cards are specialized to offer rewards and perks on groceries.
With different cards in the market that bring you different benefits and rewards, so you’ll need to do some research to find which one best suits you. Continue reading below to learn about our list of The Best Grocery Credit Cards.
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Table of Contents
Best Grocery Credit Cards Summary
|Blue Cash Preferred® Card From American Express||Best overall grocery card
Best grocery card for high cashback rate
|PenFed Platinum Rewards Visa Signature Card||Best no-annual-fee grocery card
Best grocery card with unlimited rewards
|Wells Fargo Visa Signature Card||Best grocery card with high points-earning rate|
|Target REDcard||Best card for Target grocery purchases|
|Amazon Rewards Visa Signature Credit Card||Best grocery card for Whole Foods spending
Best card for online grocery shopping
|Capital One Walmart Rewards Card||Best card for budget grocery shopping|
Types of Grocery Credit Cards
We’ve taken into account the following factors when deciding on the best travel credit cards to review:
Some cards earn a flat rewards rate on all purchases with no bonus categories. For example, Citi® Double Cash Card and the Capital One® Quicksilver® Cash Rewards Credit Card.
Earn different rewards rates on the categories your choose. These options rotate on a quarterly basis. It doesn’t have to be grocery shopping every time. For example, Chase Freedom Flex and Discover it Cash Back.
What to Consider
We’ve taken into account the following factors when deciding on the best grocery credit cards:
- Welcome bonus
- Earning potential
- Annual fee
- Unlimited vs. capped rewards
- Points value
- Rewards simplicity
- Additional benefits
The Best Grocery Credit Cards of 2020
Blue Cash Preferred® Card from American Express is the best overall grocery card with a high cashback rate. This card offers 6% back on the first $6,000 you spend on groceries each year.
The Blue Cash Preferred® Card from American Express offers a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
You'll earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases. In addition, you'll earn 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses & more.
The card does come with a $0 introductory annual fee for one year, then $95. (See Rates & Fees)
The PenFed Platinum Rewards Visa Signature Card is the best no-annual-fee grocery card with unlimited rewards on groceries. Simply open a bank account with PenFed Credit Union to apply for PenFed Platinum Rewards.
Each PenFed point is worth $0.01 which can be traded in for travel, gift cards or merchandise.
The Wells Fargo Visa Signature Card is the best high points-earning rate grocery card. It offers 5 points for every dollar spent on up to $12,500 on gas, grocery and drugstore purchases for your first six months.
Wells Fargo points are worth an average of $0.015 each which can be traded in for airfare, hotel stays, car rentals, cruises, cash redemptions, brand-name merchandise, gift cards and online auctions.
The Target REDCard is the best card for grocery purchases, specifically at Target store.
The Target REDcard offers cardholders 5% cash back on ALL purchases made at Target!
With this card in your pocket you'll get to enjoy various perks such as free shipping on most items and an extra 30 days for returns! If you're an avid Target shopper make sure you take advantage of your spending to earn you cash back!
This card comes with no annual fee.
The Amazon Prime Rewards Visa Signature Card is the best card for online grocery shopping for Whole Foods purchases, earning 5% cash back at Amazon.com and Whole Foods. Earn 2% on restaurant, gas, grocery & drugstore purchases and 1% cash back on everything else.
The card also offers the other benefits such as:
- Travel protections
- Purchase protections
- Visa Signature benefits
- No foreign transaction fees
If you are looking to earn cash rewards, check out the Citi® Double Cash Card.
The Capital One Walmart Rewards Card is the best card for Walmart grocery purchases. This card offers unlimited 5% cash back on purchases at Walmart.com and 5% on in-store purchases through the Walmart app in your first year!
These are the earning rates of this card:
- 5% cash back at Walmart.com
- 5% back on Walmart store purchases (for your first year with Walmart Pay, 2% cash back thereafter)
- 2% back on dining
- 2% back on travel
- 1% back on everything else
The Capital One® SavorOne® Cash Rewards Credit Card might be a better choice for you if you are looking for cashback and a welcome bonus.
|My favorite bank transfer hub is the American Express® High Yield Savings Account:
• Earn 0.50% APY on your deposits. Your High Yield Savings account earns interest daily and is posted to your account monthly.
• Links easily with your current bank accounts. No need to switch banks.
• FDIC Insured. Your account is insured to at least $250,000 per depositor.
• No monthly fees, no minimum balance.
• 24/7 Account Access
Grocery expenses can rack up on you. Start getting rewards and cashback on your essentials.
Before you apply to just any credit card, consider doing your research to see which one is the best for you to maximize your earnings. For more credit cards, see our latest list of the best credit card bonuses!
|Chase Business Complete BankingSM||$300 Cash||Review|
|Chase Total Checking®||$200 Cash||Review|
|HSBC Premier Checking Member FDIC||$450 Cash||Review|
|HSBC Premier Checking Member FDIC||Up To $600||Review|
|HSBC Advance Checking Member FDIC||$200 Cash||Review|
|HSBC Advance Checking Member FDIC||Up To $240||Review|
|Huntington 25 Checking||$300 Cash||Review|
|TD Bank Beyond Checking||$300 Cash||Review|
|TD Bank Convenience CheckingSM||$150 Cash||Review|
|Huntington Bank Unlimited Plus Business Checking||$750 Cash||Review|
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|Axos Bank Basic Business Checking||$100 Cash||Review|
|Aspiration Spend & Save Account||$100 Cash||Review|
|Ally Invest||Up to $3,500 Cash||Review|
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|American Express High Yield Savings||0.50% APY||Review|
|Discover Cashback Debit Account||$360 Cash||Review|