Home Credit Cards 7 of the best credit cards for supermarket & grocery spending

7 of the best credit cards for supermarket & grocery spending


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With the amazing amount of travel that a lot of us do it can be easy to forget that, for a lot of people, one of the biggest monthly costs that they can pay with a credit card is their grocery bill. With that in mind, this post breaks down the 10 best mainstream credit cards to apply for if you’re looking to maximize your returns every time you go to your local supermarket.

Cards for general supermarket spending

Cards for online groceries

As you’ll see, American Express is pretty dominant when it comes to cards that offer bonuses or enhanced cashback for shopping at supermarkets, but Chase and Citi both have cards that are worth considering.

In Summary


Cards for general supermarket spending

Blue Cash Preferred Card

Annual fee:

Welcome Bonus:

  • Receive $300 back in statement credits after you spend $3,000 in the first 6 months after opening your new card (more details)

Earnings:

  • 6% cashback at US supermarkets on up to $6,000 in annual purchases
  • 6% cashback on select streaming services
  • 3% cashback on transit purchases
  • 3% cashback at US gas stations
  • 1% cashback on all other purchases

Key Benefits:

  • Secondary rental car coverage
  • Returns protection

Important To Know:

  • Cashback is earned in the form of reward dollars which can be redeemed as a statement credit.
  • Once you have reached the $6,000/year spending limit at US supermarkets you’ll earn 1% cashback on all US supermarket spending for the rest of the year.
  • Superstores, convenience stores, and warehouse clubs are not considered supermarkets (see here for more details)
  • 28 streaming services are currently eligible for 6% cashback including Apple Music, Spotify, MLB.TV, HBO Now and Pandora (see here for more details).

In Summary:

The Blue Cash Preferred Card offers a higher rate of cashback at US supermarkets than any other mainstream card and the highest rate of cashback on streaming services too. With cashback best used as statement credits, this card would suit someone who prefers not to have to worry about maximizing value from points currencies and simply enjoys getting a very good return on their supermarket spending.

Click here for a full review of the Blue Cash Preferred® Card from American Express


Amex EveryDay Preferred Credit Card

Annual fee:

  • $95

Welcome Bonus:

  • Receive 15,000 Membership Rewards Points after spending $1,000 on your new card within the first 3 months of card membership.

Earnings:

  • 3 points/dollar at US supermarkets on up to $6,000 in annual purchases
  • 2 points/dollar at US gas stations
  • 2 points/dollar on eligible spending at AmexTravel.com
  • 1 point/dollar on all other purchases

Key Benefits:

  • Earn 50% more points in each billing cycle in which you use your card 30 or more times.
  • Secondary rental car cover
  • Returns protection
  • Access to Membership Rewards transfer partners (more details)

Important To Know:

  • Once you have reached the $6,000/year spending limit at US supermarkets you’ll earn 1 point/dollar on all US supermarket spending for the rest of the year.
  • Superstores, convenience stores, and warehouse clubs are not considered supermarkets (see here for more details).

In Summary:

The key to unlocking this card’s value is to ensure you make at least 30 transactions on this card every billing cycle (net of returns/refunds) as that will see you earn 50% more points on all your Amex EveryDay Preferred spending (not just US supermarket spending).

Assuming you make at least 30 transactions with this card in a billing period the Amex EveryDay Preferred Card’s earnings shoot up to 4.5 points/dollar (on the first $6,000 of spending at US supermarkets).

As I value Amex Membership Rewards Points at 1.5 cents each (based on what value I can get out of them with ease) the Amex EveryDay Preferred card essentially offers a rebate of up to 6.75%…and that’s a rate no other mainstream card can match.

Note: All information about the Amex EveryDay Preferred Credit Card has been collected independently by Traveling For Miles. The Amex EveryDay Preferred Credit Card is not currently available through Traveling For Miles.


American Express Gold Card

Annual fee:

Welcome Bonus:

  • Receive 60,000 Membership Rewards Points after spending $4,000 on your new card within the first 6 months of card membership (more details)

Earnings:

  • 4 points/dollar at US supermarkets on up to $25,000 in annual purchases
  • 4 points/dollar at restaurants
  • 3 points/dollar on flights booked directly with airlines or on amextravel.com
  • 1 point/dollar on all other purchases

Key Benefits:

  • Up to $120/year in dining credits at select restaurants and food delivery services
  • $100 airline fee credit (ending on 31 December 2021)
  • $10/month Uber Credits (coming in 2021)
  • Baggage insurance plan
  • Secondary rental car cover
  • No foreign transaction fees
  • Access to Membership Rewards transfer partners (more details)

Important To Know:

  • The $120/year in dining credits are offered as $10 credits/month which can be used at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations.
  • The airline fee credit does not cover airfares. It is intended to cover ancillary fees such as seat assignment fees, checked baggage fees, etc…
  • Superstores, convenience stores, and warehouse clubs are not considered supermarkets (see here for more details).

In Summary:

The American Express Gold card offers one of the highest rates of return at US supermarkets with its 4 points/dollar offering. Using my valuation of Membership Rewards points (1.5 cents/point) the American Express Gold Card essentially offers an effective rebate of 6% on US supermarket shopping (up to $25,000 in purchases)…and that’s a great saving to have.

This card comes with a higher annual fee than any of the other cards in this post but that’s because it also offers cardholders more benefits and, if you happen to travel, better earnings rates in categories where spending is likely to be high (restaurants worldwide and flights booked directly with airlines).

Click here for a full review of the American Express® Gold Card


Amex EveryDay Credit Card

Annual fee:

  • $0 (zero)

Welcome Bonus:

  • Receive 10,000 Membership Rewards Points after spending $1,000 on your new card within the first 3 months of card membership.

Earnings:

  • 2 points/dollar at US supermarkets on up to $6,000 in annual purchases
  • 2 points/dollar on eligible spending at AmexTravel.com
  • 1 point/dollar on all other purchases

Key Benefits:

  • Earn 20% more points in each billing cycle in which you use your card 20 or more times.
  • Secondary rental car cover
  • Access to Membership Rewards transfer partners (more details)

Important To Know:

  • Once you have reached the $6,000/year spending limit at US supermarkets you’ll earn 1 point/dollar on all US supermarket spending for the rest of the year.
  • Superstores, convenience stores, and warehouse clubs are not considered supermarkets (see here for more details).

In Summary:

The key to unlocking this card’s value is to ensure you make at least 20 transactions on this card every billing cycle (net of returns/refunds) as that will see you earn 20% more points on all your Amex EveryDay spending (not just US supermarket spending).

Assuming you make at least 20 transactions with this card in a billing period the Amex EveryDay Preferred Card’s earnings will be 2.4 points/dollar (on the first $6,000 of spending at US supermarkets).

As I value Amex Membership Rewards Points at 1.5 cents each (based on what value I can get out of them with ease) the Amex EveryDay Card essentially offers a rebate of up to 3.6% and, for a card that costs nothing to hold, that’s not bad going.

As credit cards go the Amex EveryDay Card is pretty basic, but that’s not a bad thing. For no annual fee, you can earn a 10,000 point welcome bonus (worth $150), get a good rebate on US supermarket spending, and get access to Amex offers which can save you a significant amount of money or earn you a significant number of American Express Membership Rewards points which can be transferred over to a wide variety of loyalty programs.

Note: All information about the Amex EveryDay Credit Card has been collected independently by Traveling For Miles. The Amex EveryDay Credit Card is not currently available through Traveling For Miles.


Blue Cash Everyday Card

Annual fee:

Welcome Bonus:

  • Receive $200 back in statement credits after you spend $2,000 in the first 3 months after opening your new card (more details)

Earnings:

  • 3% cash back at US supermarkets on up to $6,000 in annual purchases
  • 2% cash back at US gas stations
  • 2% cash back at department stores
  • 1% cashback on all other purchases

Key Benefits:

  • Secondary rental car coverage
  • Returns protection

Important To Know:

  • Cashback is earned in the form of reward dollars which can be redeemed as a statement credit.
  • Once you have reached the $6,000/year spending limit at US supermarkets you’ll earn 1% cashback on all US supermarket spending for the rest of the year.
  • Superstores, convenience stores, and warehouse clubs are not considered supermarkets (see here for more details)

In Summary:

The Blue Cash Everyday Card is free to hold and offers a very good rate of return for spending made at US supermarkets. As an added bonus it offers 2% cashback at US gas stations and department stores and, as with all American Express cards, gives cardholders access to valuable Amex Offers which can save them even more money.

With no points currency to worry about (just pure cashback) the Blue Cash Everyday Card would best suit someone who prefers to focus on getting a good return on their supermarket purchases rather than trying to maximize value out of a Membership Rewards points balance.

Click here for a full review of the Blue Cash Everyday® Card


Citi Premier Card

Annual fee:

  • $95

Welcome Bonus:

  • Earn 80,000 bonus points after you spend $4,000 in the first 3 months after opening your new card

Earnings:

  • 3 points/dollar at supermarkets (no cap)
  • 3 points/dollar at restaurants worldwide
  • 3 points/dollar at gas stations worldwide
  • 3 points/dollar on air travel booked directly with airlines
  • 3 points/dollar on hotel bookings made directly with hotels
  • 1 point/dollar on all other spending

Key Benefits:

  • Get a once-per-year $100 statement credit for hotel bookings of $500 or more made through thankyou.com (excludes taxes and fees)
  • Transfer points to a variety of loyalty programs in a ratio of 1:1
  • No foreign transaction fees

In Summary:

The Citi Premier Card is the most premium of the Citi ThankYou cards that is still open to new applicants following Citi’s decision to remove the Prestige Card from its ongoing credit card range.

This is one of the best all-around cards to use for grocery spending as the bonus points on offer are not limited to spending in the US or to establishments viewed as supermarkets by the credit card companies – spending at supermarkets worldwide will earn 3 points/dollar and my personal experiences suggest that even small grocery stores around the world will trigger the bonus.


Cards for online groceries

Chase Sapphire Preferred

Annual fee:

  • $95

Welcome Bonus:

  • Earn 60,000 bonus points after you spend $4,000 in the first 3 months after opening your new card (more info)

Earnings:

  • 3 points/dollar on online grocery store purchases*
  • 5 points/dollar on travel purchased through Chase Ultimate Rewards
  • 3 points/dollar on dining worldwide
  • 3 points/dollar on select streaming services
  • 2 points/dollar on travel that isn’t booked through Chase Ultimate rewards
  • 1 point/dollar on all other spending

*Excludes Target, Walmart, and wholesale clubs

Key Benefits:

  • Redeem points at 1.25 cents each when booking travel through Chase Ultimate Rewards.
  • Transfer points to a variety of loyalty programs in a ratio of 1:1
  • Earn up to $50 in statement credits each card anniversary year for hotel stays purchased through Chase Ultimate Rewards
  • 10% anniversary points bonus
  • Primary auto rental cover
  • No foreign transaction fees

In Summary:

The Chase Sapphire Preferred Card is a mid-tier card that offers access to Chase’s highly regarded Ultimate Rewards program from where cardholders can transfer their hard-earned points to a variety of airline and hotel loyalty programs in a 1:1 ratio.

As a card for grocery spending, its uses are limited to online shopping so this isn’t a card that’s going to help out if you buy most of your groceries at bricks and mortar stores. For anyone who does a lot of grocery shopping online, however, the 3 points/dollar that this car earns would represent a very good return on spending.

Click here for a full review of the Chase Sapphire Preferred Card


Amazon Prime Rewards Visa Signature Card

Annual fee:

  • This card is exclusively for eligible Amazon Prime customers so while it doesn’t come with an annual fee of its own, an Amazon Prime membership is required.

Welcome Bonus:

  • Get a $100 Amazon Gift Card as soon as you’re approved for the card (more details)

Earnings:

  • 3% back at Amazon.com & Whole Foods Market (no cap)
  • 2% back at gas stations
  • 2% back at restaurants
  • 2% back at drugstores
  • 1% back on all other purchases

Key Benefits:

  • Access to exclusive Prime cardmember offers (get an extra 5% – 20% back in rewards at Amazon.com)
  • Travel accident insurance
  • Lost luggage reimbursement
  • Baggage delay insurance
  • Secondary rental car cover
  • Extended warranty protection
  • Purchase protection
  • Access to Visa Signature Luxury Hotels
  • No foreign transaction fees

Important To Know:

  • All earnings from the Amazon Prime Rewards card are paid in the form of Amazon rewards points which can be used to offset the cost of purchases made on Amazon.com or which can be redeemed for cash. 1 point = 1 cent.
  • The terms and conditions of the Amazon Prime Rewards Visa Card do not limit the bonus rebates earned at gas stations, restaurants and drugstores to US establishments so the card world well at home or abroad.

In Summary:

The Amazon Prime Rewards Card is clearly a niche play in a post all about getting the best returns on your grocery spending, but it’s important to be aware of just how much of your grocery shopping can actually be done through Amazon.com – it’s a lot!

If you already have a Prime membership this card is essentially free to hold so the 5% back that it offers on Amazon.com spending and at Whole Foods is a genuinely good deal (not even the best mainstream cashback cards can match this level of rebate at Amazon.com).

When you add in the fact that the card also comes with a $100 gift card, access to discounts exclusive to Prime cardholders, and good purchase protections it becomes a card that most people who shop frequently through Amazon should probably have.

Click To Find Out More


Bottom line

All of the cards discussed above are currently great cards to hold in your wallet if you’re trying to maximize your returns when shopping for groceries. I have chosen not to suggest which card I consider to be the best as each has its own merits, and a card that’s best for one person may not be best for the circumstances of someone else – that’s part of the fun of the miles and points world. Still, with no annual fee cards mixed in with cards that charge an annual fee and with cashback cards mixed in with points earning cards, there should be a credit card in here for everyone.

What card do you use when you’re paying for your groceries?

A Favourite Card

The Chase Sapphire Preferred Card is Chase’s incredibly popular entry-level travel rewards card which has recently been refreshed and made better than ever.

It currently comes with a welcome offer of 60,000 points after a successful applicant spends $4,000 on purchases in the first 3 months of card membership and it charges an annual fee of $95 in return for a list of good earning rates and benefits.

Our Favorite Benefits:

  • 5 points/dollar on most travel purchased through Chase Ultimate Rewards
  • 5 points/dollar on Lyft rides through 22 March 2022
  • 3 points/dollar for spending on dining worldwide
  • 3 points/dollar for spending on select streaming services
  • 2 points/dollar for spending on travel worldwide
  • Redeem points at 1.25 cents each when booking travel through Chase Ultimate Rewards.
  • Annual $50 credit for hotels booked through Chase 
  • Primary auto rental cover
  • Trip delay reimbursement

Click for more details on the Chase Sapphire Preferred Credit Card

Regarding Comments

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser or any other advertiser. It is not the bank advertiser’s responsibility or any other advertiser’s responsibility to ensure all posts and/or questions are answered.

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