Everybody must eat, which implies individuals 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 may end in large 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 aid you select the one which fits your wants.
Greatest Grocery Playing cards
We reviewed greater than a dozen choices to search out the perfect grocery rewards bank cards for you. Necessary 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 areas aside from the grocery retailer.
From our analysis, we got here up with this listing of playing cards:
- Greatest for groceries and gasoline with no payment
American Specific Blue Money On a regular basis - Greatest for groceries and gasoline should you spend $3,200+ on groceries every year
American Specific Blue Money Most popular - Greatest for individuals who purchase groceries at Goal or Walmart
U.S. Financial institution Shopper Money Rewards - Greatest for individuals who need flexibility in incomes elevated rewards
Citi Customized Money - Greatest for incomes on meals purchases at shops and at eating places
Capital One SavorOne
1.
American Specific Blue Money On a regular basis
🏆 Greatest for groceries and gasoline with no payment
Nice for individuals who desire a gasoline and grocery card in a single. Nonetheless, the $6,000 restrict on purchases might restrict your annual rewards.
💵 Charges: None
🎁 Rewards Construction: 3% on groceries, gasoline, and on-line purchases (max $6,000 in purchases per 12 months), 1% on the whole lot else
⭐️ Bonus: 20% again on PayPal purchases through 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 Dwelling Chef
2.
American Specific Blue Money Most popular
🏆 Greatest for groceries and gasoline should you spend $3,200+ on groceries every year
If you happen to spend at the least $3,200 per 12 months on groceries, or spend loads on gasoline and cross 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 gasoline, 1% on the whole lot else
⭐️ Bonus: $300 again if 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
🏆 Greatest 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 accessible however does allow you to select Walmart and Goal on 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 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 if you spend $2,000 within the first 120 days
👌 Perks: Versatile redemption choices, improve your earnings with a rewards purchasing portal
4.
Citi Customized Money
🏆 Greatest for individuals who need flexibility in incomes elevated rewards
This card is very versatile, adapting your earnings to the place you spend probably the most, which might be nice in case your spending fluctuates. Nonetheless, the $500 month-to-month spend restrict for elevated rewards won’t 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 if you spend $1,500 within the first 6 months, 0% APR for 15 months
👌 Perks: Entry to occasions by Citi Leisure, Free FICO rating
5.
Capital One SavorOne
🏆 Greatest for incomes on meals purchases at shops and at eating places
This card is a good possibility for individuals who cook dinner at residence loads however who additionally take pleasure in 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 if you spend $500 within the first 3 months, 0% APR for 15 months
👌 Perks: No overseas transaction payment, Capital One Purchasing routinely applies coupons when purchasing on-line, reductions by Capital One Journey
American Specific Blue Money On a regular basis
➕ Professionals
- No annual payment
- Credit for common streaming companies
➖ 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 fundamental, fee-free cash-back card. You should use it at grocery shops and gasoline stations to earn 3% money again.
The principle downside is that it limits this elevated incomes degree to the primary $6,000 in spending every year, which means you’ll solely earn $180 earlier than your earnings are decreased to 1%.
Nonetheless, the cardboard does include the perks that American Specific is thought for, providing credit that may aid you save on subscriptions to Disney+, Hulu, and ESPN+. It may also be a great way to get your foot within the door with American Specific, which can make it simpler to qualify should you select to use for one of many firm’s premium cost playing cards sooner or later.
This is among the greatest bank cards for groceries for single individuals and others whose spending on groceries is restricted.
American Specific Blue Money Most popular
➕ Professionals
- One of many highest cash-back charges for groceries
- Additionally an important card for gasoline and streaming companies
➖ Cons
- $95 annual payment
- Not as extensively accepted as Visa/Mastercard
The American Specific Blue Money Most popular is the premium model of the Blue Money On a regular basis card, carrying a $95 annual payment. In change for the payment, you’ll get an additional 3% money again on groceries and uncap the quantity you’ll be able to spend on gasoline to earn elevated rewards.
Meaning it’s worthwhile to spend a complete of $3,166.67 on groceries, about $260 a month, to earn sufficient to cowl the annual payment. If you happen to spend loads on groceries and gasoline, this card will aid you earn extra rewards, however isn’t value the price in any other case.
It is a good bank card for groceries for households that spend closely on groceries and gasoline.
U.S. Financial institution Shopper Money Rewards
➕ Professionals
- Select the place you earn elevated rewards
- Bonus rewards at shops like Walmart/Goal
➖ Cons
- No elevated rewards at conventional grocery shops
- $95 annual payment
The U.S. Financial institution Shopper Money Rewards is a novel 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 an inventory offered 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 giant grocery chains accessible on the listing, U.S. Financial institution does let you choose Walmart or Goal, which promote groceries in lots of areas. Many grocery playing cards don’t depend purchases from these shops as grocery purchases, making this card top-of-the-line methods to get elevated rewards at these large field shops.
The cardboard additionally comes with some flexibility. You possibly can select a second retailer to earn 6% on and a class reminiscent of gasoline or payments to earn 3% on, making the cardboard helpful for extra than simply shopping for meals.
This is among the greatest bank cards for groceries should you’re a daily shopper at shops accessible on the cardboard’s elevated rewards listing.
Citi Customized Money
➕ Professionals
- Earn 5% in your highest spend class routinely
- 0% APR intro interval
➖ Cons
- Bonus rewards are restricted to $500 in spending every month
- Earn only one% on all different purchases
The Citi Customized Money card is among the best rewards playing cards to make use of. You’ll earn bonus rewards on no matter class you spend probably the most on every month. There’s no must 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 should you occur to not purchase many groceries in a single month.
Nonetheless, 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 price to a measly 1%.
This card is among the greatest bank cards for groceries for individuals whose spending patterns change steadily and who don’t spend big quantities every month.
Capital One SavorOne
➕ Professionals
- Earn elevated rewards on all forms of meals
- 0% APR intro interval
➖ Cons
- Requires glorious credit score
The SavorOne is, general, a unbelievable card providing 3% money again on eating places and groceries. That makes it splendid for individuals who wish to cook dinner however who additionally take pleasure in going out to eat. The three% again on leisure and streaming is a good perk that makes this card much more helpful.
Cardholders also can make the most of the cardboard’s intro APR interval, financing a purchase order or transferring a stability and paying it off over time.
The first downside of the cardboard is that it requires glorious credit score. If you happen to’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 glorious credit score and also you spend on each eating places and groceries, this shall be certainly one of your greatest bank cards for groceries.
Examine Playing cards Desk for Greatest Credit score Playing cards for Groceries
| Card | Charges | Rewards | Bonus | Perks |
|---|---|---|---|---|
| American Specific Blue Money On a regular basis | None | 3% on groceries, gasoline, and on-line purchases (max $6,000 in purchases per 12 months)1% on the whole lot else | 20% again on PayPal purchases through 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 Dwelling Chef |
| American Specific Blue Money Most popular | $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 if 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 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 if you spend $2,000 within the first 120 days | Versatile redemption choices Improve your earnings with a rewards purchasing 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 if you spend $1,500 within the first 6 months0% APR for 15 months | Entry to occasions by Citi Leisure |
| Capital One SavorOne | None | 3% on eating, leisure, streaming, and grocery stores1% on the whole lot else | $200 again if you spend $500 within the first 3 months0% APR for 15 months | No overseas transaction payment Capital One Purchasing routinely applies coupons when purchasing on-line Reductions by Capital One Journey |
Easy methods to Select Your Grocery Card
Selecting the correct grocery card entails a couple of steps.
First, contemplate your credit score rating. Attempt to discover a card that approves individuals with comparable credit score profiles.
Subsequent, assessment your grocery spending. To decide on the cardboard that greatest meets your wants, you’ll want an excellent 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. Nonetheless, 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 payment, examine the cardboard to no-fee playing cards and take into consideration your spending. Solely go along with a card that has a payment if the extra rewards you’ll be able to earn exceed the payment plus what you’d earn from the rewards on a no-fee card.
💡 Figuring out how to decide on a rewards bank card will aid you earn rewards which can be helpful to you and maximize your positive factors. Study extra about how to decide on the perfect rewards card on your wants.
Is it Price Getting a Credit score Card Only for Groceries?
Must you get a bank card only for groceries? That relies on your spending habits. Some individuals spend loads on groceries and infrequently eat out. Others by no means cook dinner and get takeout or a restaurant meal virtually each day.
For many individuals, groceries are a prime spending class, so it’s value getting one. That’s notably true for households, which are likely to spend closely and commonly on groceries.
Many playing cards on this listing 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 could possibly use for extra than simply groceries.
Methodology
When evaluating the perfect bank cards for groceries, we seemed on the following elements:
- Incomes price: Greater is healthier
- Charges: Decrease is healthier
- Signal-up bonus: Greater bonuses with decrease minimal spending are higher
- Perks: Greater-value and easier-to-use perks are higher
- Different: We additionally thought of issues like extra, non-grocery bonus classes and high quality of customer support when choosing these playing cards