16 Best Credit Cards for Groceries (2017) — Rewards, Cash Back & More

By: Ashley Dull • March 17, 2017

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We all go to the grocery store, and many of us spend time clipping coupons, planning out meals around deals, or comparing prices up and down the aisles. Personally, I like to stack a manufacturer’s coupon with a store coupon on top of a buy-one-get-one promotion to maximize my savings. I’ll clip coupons, search online, and even download a store’s app if I have to. But even with all of my research and effort, I still wasn’t maximizing my grocery store trip to its full potential because I was using the wrong credit card. With the right card, you can earn rewards just by paying for your groceries.

Often, the best cards are reserved for those with good to excellent credit, but even with a lower credit score, you can take advantage of a card that will reward you for buying groceries. Whether you want to earn cash back, rewards points, miles, or are a student needing to stock your dorm fridge — we look at all the best grocery store credit cards to help make a necessary trip more rewarding.

Cash Back | Rewards | Air Miles | 0% Intro APR | StudentsBad Credit | Fair Credit | No Credit

Best “Cash Back” Cards for Groceries

Sometimes a card has a fixed cash back rate; sometimes it can be more if groceries are a rotating category. Either way, it’s money back in your pocket if you are using it at the grocery store. Instead of leaving money on the table, find the grocery cash back credit card that is right for you.

Try a card with a fixed amount of cash back if you want to see a steady stream over time. If you like the idea of rotating categories with the potential for even more savings, there are also some excellent options available. Don’t miss out on extra money because you aren’t using the right card. Below are our top picks for earning cash back.

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Best “Rewards” Cards for Groceries

If you’re the type of person who likes to use rewards to splurge on something big for yourself or your family, you might be on the lookout for the best grocery rewards credit card.

Some credit cards will give you points for every purchase, and those points can add up over time to net you an otherwise large purchase (maybe a new flat-screen TV for the living room) for little or nothing. Shop around to make sure you are getting the most points possible for your grocery store purchase. Here are some of the best cards for earning rewards.

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Best “Air Miles” Cards for Groceries

Some prefer to keep their head in the clouds when looking for a rewarding credit card. That’s because they are focused on air miles. Every credit card differs when it comes to how many miles you can earn per dollar you spend, and some even offer bonus miles for signing up.

If you have your heart set on that trip to Jamaica or are just looking to book a free flight to a family reunion, an air miles credit card might be best for you. Make sure to look at the APR on the air miles card you choose, as well as the annual fee. Some offer great introductory APRs, some offer no fees, some even offer both. Below are some of the best air miles cards out there.

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Best “0% Intro APR” Cards for Groceries

If you plan on carrying a balance for a period of time after opening your account, a card with 0% introductory APR may be the best choice. These cards allow you to pay no interest for a set amount of time — sometimes up to 15 months — so you can get what you need now and wait until later to pay it off.

Make sure that the APR is reasonable for you after the 0% introductory offer expires so that you don’t find yourself struggling to pay the monthly finance charges. Check out the cards below if you are interested in 0% introductory APR.

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Best “Student” Cards for Groceries

Students need to make the most of their trip to the grocery store, often choosing a mix of value and quantity designed to get them through the week. Some credit cards cater specifically to the needs of today’s student by offering cash back, no annual fee, or even bonuses for making good grades.

These cards often take into account the fact that a student probably hasn’t been able to build a lot of credit yet, often having lower thresholds of credit scores than what’s needed to acquire them. Check out our top choices for student credit cards below.

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Best “Bad Credit” Cards for Groceries (<650 Credit Score)

Even if you don’t have the best credit, you can get a card that gives you rewards for using it at the grocery store. Some even offer cash back specifically on grocery purchases. Using a credit card for a weekly necessity, then paying off the balance is also a great way to help build the credit score needed to qualify for a card with even better rewards in the future.

The right card can help you get your credit back on track while still giving you something in return in the meantime. If you have bad credit, these cards may be right for you.

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Best “Fair Credit” Cards for Groceries (651-700)

When you have fair credit, you are looking for two things: the best card you can get and a card that can help you get into the “excellent” credit category. The perfect card would offer you some type of perk (cash back, points, etc.) while having a reasonable APR so that you don’t end up unable to pay the minimum amount down the road.

Sometimes these cards will have an annual fee, but sometimes they can offset that with a good introductory APR offer. Make sure to look at all aspects of the card before selecting the right one for you. With fair credit, one of the following cards could be the best choice for you.

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Best “No Credit” Cards for Groceries (0 Credit Score)

Sometimes, we need to start building credit so that we can get into the game. When this is the case, it really helps to do research because some cards are not as great as they might seem on first glance.

The good news, though, is that some of the best credit cards for those with no credit also include rewards like cash back, points, miles or other great perks. They can make the transition into the world of credit cards less scary, and maybe a little more lucrative for you. Below are some of the top cards you can get with no credit.

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Get More at the Grocery Store

We all want our money to go further, and whether we are clipping coupons or taking advantage of buy-one-get-one-free promotions, we are aware of the savings out there. A credit card that gives you something back can be an additional staple of savings, no matter your credit standing.

Whether it’s cash back, rewards, or just help in building credit, your weekly trip to the grocery store can do more for you. Armed with the best grocery credit card options, you should be able to pick the best one and start cashing in while you’re checking out.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

About the Author

Ashley Dull

Ashley is the Finance Vertical Manager at Digital Brands, Inc., where she oversees content published on CardRates.com and BadCredit.org. Ashley works closely with experts and industry leaders in every sector of finance to develop authoritative guides, news, and advice articles with regards to audience interest. Connect with Ashley on Twitter and LinkedIn.