Grocery store spending can be a sneaky high amount of your monthly credit card spending. At least that’s the case with our family. I’m routinely amazed at how much we spend on groceries. Like any savvy points and miles family, it makes sense for us to align our spending on the best credit cards for groceries.
What regularly amazes me about these best credit cards for groceries is why some banks have yet to adapt to grocery store spending. Noticeably absent from this list below are Capital One and Chase. For banks of their size, and in Capital One’s case its expansion into travel credit cards, it’s mind-blowing that neither bank has a card that has a high earn rate in grocery store spending. On that note, let’s dive into the list below.
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Best Credit Cards For Groceries
Amex EveryDay Preferred Credit Card
- Earning Structure: 4.5x Amex Membership Rewards points (requires 30+ transactions per billing cycle)
- Annual Fee: $95
- Details: Earn 15,000 Membership Rewards Points after you spend $2,000 on purchases on your new Card in your first 6 months of Card Membership.
American Express Gold Card
- Earning Structure: 4x Amex Membership Rewards points
- Annual Fee: $250
- Details: Earn 60,000 Membership Rewards Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
Citi Premier Card
- Earning Structure: 3x ThankYou Rewards points
- Annual Fee: $95
- Details: Earn 80,000 bonus points after spending $4,000 in purchases with your card within the first 3 months of account opening.
Citi Custom Cash Card
- Earning Structure: 5% cashback (can convert cashback into ThankYou Rewards points if you also hold the Citi Premier Card or Citi Prestige Card)
- Annual Fee: $0
- Details: Earn $200 cash back after you spend $750 on purchases in the first 3 months of account opening.
Common Best Credit Cards For Groceries Questions
What credit card gives the most back for groceries?
The Blue Cash Preferred Card from American Express offers the highest cash-back rate at U.S. supermarkets per this article.
Should you put groceries on a credit card?
Using a credit card for grocery shopping has the potential to save you up to 6% every time you buy groceries per this article.
Does closing a credit card hurt your credit?
A credit card can be canceled without harming your credit score per this article.
Is Walmart considered a grocery store for credit cards?
Walmart is not considered a grocery store for credit cards per this article.
Conclusion on the Best Credit Cards For Groceries
The best travel credit cards to buy points with Amex EveryDay Preferred Credit Card, American Express Gold Card, Citi Premier Card, and Citi Custom Cash Card.
What credit cards do you use to buy groceries? Please let me know in the comments or by sending me an email on my contact page.
Disclaimer: If you click and sign up for a credit card through certain links on this site or any of my related social media platforms, I may make a commission from that click-through. The editorial content on this page and the user comments are not provided by any of the companies mentioned and have not been reviewed, approved, or otherwise endorsed by any of these entities. The opinions expressed here are mine alone.
