The Six Best Credit Cards For Supermarket Spending


Some links to products and travel providers on this website will earn Traveling For Miles a commission that helps contribute to the running of the site. Traveling For Miles has partnered with CardRatings for our coverage of credit card products. Traveling For Miles and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities. For more details please see the disclosures found at the bottom of every page.


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.

Groceries aren’t exactly sexy or particularly interesting so the best ways to pay for a family’s supermarket spending aren’t covered all that often by miles and points bloggers…so I thought I’d change that. In this post, I’ll break down the six best mainstream credit cards to apply for if you’re looking to maximize your returns every time you go to your local supermarket.

In this post (click links to advance to a particular card):

As you’ll see, American Express is dominant when it comes to cards that offer bonuses or enhanced cashback for shopping at supermarkets…but I have managed to include one rogue (and niche) outsider right at the end just in case you find it appealing.

In Summary


Blue Cash Preferred Card

Annual fee:

  • $95

Welcome Bonus:

  • Receive $250 back in statement credits after you spend $1,000 in the first 3 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 To Find Out More


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.


American Express Gold Card

Annual fee:

  • $250

Welcome Bonus:

  • Receive 35,000 Membership Rewards Points after spending $4,000 on your new card within the first 3 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 worldwide
  • 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
  • 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 To Find Out More


Amex EveryDay Credit Card

Annual fee:

  • $0

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.


Blue Cash Everyday Card

Annual fee:

  • $0

Welcome Bonus:

  • Receive $150 back in statement credits after you spend $1,000 in the first 3 months after opening your new card (more details)

Earnings:

  • 3% cashback at US supermarkets on up to $6,000 in annual purchases
  • 2% 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)

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, 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 To Find Out More


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
  • 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 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


Overall

The 6 cards discussed above are the best mainstream cards for anyone looking to maximize their returns when doing their grocery shopping. I’m not going to suggest which card is best as that will depend entirely on a person’s individual circumstances, but 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?

LEAVE A REPLY

Please enter your comment!
Please enter your name here