The best credit cards for groceries can offer some serious perks when compared with paying in just plain old cash. And with cash back, air miles, or other card benefits stacked on top of buy-one-get-one deals, store coupons, and other promotions, grocery shopping can feel downright rewarding.
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 advantageous.
Cash Back | Rewards | Air Miles | 0% Intro APR | Students | Bad 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.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 18 billing cycles for purchases
|
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
|
17.74% - 27.74% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
0% Intro APR Period 18 months on Balance Transfers
|
18.99% - 28.99% (Variable)
|
$0
|
Excellent, Good
|
Additional Disclosure: Citi is a CardRates advertiser.
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.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
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|---|---|---|---|---|
N/A
|
N/A
|
21.24% - 28.24% Variable
|
$95
|
Good/Excellent
|
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% for 15 months
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0% for 15 months
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19.74% - 29.74% (Variable)
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$0
|
Excellent, Good
|
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.
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- 0% intro APR for 15 months on purchases. Then 16.74% to 27.74% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 months
|
0% Intro APR for 15 months
|
16.74% - 27.74% Variable APR
|
$0
|
Excellent/Good
|
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
19.74% - 29.74% (Variable)
|
$0
|
Excellent, Good
|
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.
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 21 billing cycles for purchases
|
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days
|
15.74% - 25.74% Variable APR on purchases and balance transfers
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$0
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Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 19.74% - 28.49% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR on Purchases 18 months
|
0% Intro APR on Balance Transfers 18 months
|
19.74% - 28.49% Variable
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$0
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Good/Excellent
|
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 an annual statement credit 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.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.74% - 26.74% applies.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
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Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 6 months
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10.99% Intro APR for 6 months
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17.74% - 26.74% Variable APR
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$0
|
Fair/New to Credit
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- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
19.74% - 29.74% (Variable)
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$0
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Average, Fair, Limited
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Best “Bad Credit” Cards for Groceries (Sub 580 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.
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- You don’t need good credit to apply.
- Just complete the short application and find out in 60 seconds if you’re approved.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
See Provider Website
|
See Provider Website
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Fair/Poor
|
- You don’t need good credit to apply.
- We help people with bad credit, every day.
- Just complete the short application and find out in 60 seconds if you’re approved.
- You can build* or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
- *Build credit by keeping your balance low and paying all your bills on time every month.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
See Provider Website
|
See Provider Website
|
Fair/Poor
|
+ See More Cards for Bad Credit
Best “Fair Credit” Cards for Groceries (580-669 Credit Score)
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.
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
29.99% (Variable)
|
$39
|
Average, Fair, Limited
|
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* on all other eligible purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free access to your VantageScore 4.0 score from TransUnion®†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
29.99% or 36% Fixed
|
As low as $85
|
Fair
|
+ See More Cards for Fair Credit
Best “No Credit” Cards for Groceries (No 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.
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
29.99% (Variable)
|
$39
|
Average, Fair, Limited
|
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
29.99% (Variable)
|
$0
|
Average, Fair, Limited
|
+ See More Cards for No Credit
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.
Advertiser Disclosure
CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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