The Ultimate Guide to Credit Cards
Tuesday, May 11, 2021

16 Best Credit Cards for Groceries (2021) — Rewards, Cash Back & More

Best Credit Cards For Groceries

credit card advice

Ashley Dull
By: Ashley Dull
Updated: October 1, 2019
Advertiser Disclosure

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 | 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.

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • 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
  • 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
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good
Discover it® Cash Back Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.9/5.0
  • 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! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

+ See More Cash Back Cards

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.

POINTS & GIFTS RATING

★★★★★

4.8

OVERALL RATING

4.7/5.0
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

POINTS & GIFTS RATING

0.0

OVERALL RATING

4.8/5.0
  • 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
  • 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
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

+ See More Rewards Cards

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.

AIR MILES RATING

★★★★★

4.9

OVERALL RATING

4.8/5.0
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • Earn unlimited 2X 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
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good
Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★

4.9

OVERALL RATING

4.8/5.0
  • UNLIMITED BONUS: Only Discover will automatically match 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.
  • New! 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.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 14 months
10.99% Intro APR for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

+ See More Air Miles Cards

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% INTRO APR RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

0% INTRO APR RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0
  • 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
  • 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
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

+ See More 0% Intro APR cards

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.

Discover it® Cash Back Review

at Discover Card'ssecure website

BEST OVERALL RATING

★★★★★

4.9

OVERALL RATING

4.9/5.0
  • 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! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

BEST OVERALL RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • Earn unlimited 2X 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
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good

+ See More Student Cards

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.

Merrick Bank Double Your Line™ Platinum Visa® Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★

4.8

OVERALL RATING

4.1/5.0
  • Credit lines range from $500-$1,250 which double to $1,000-$2,500 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.45% - 28.45% Variable
$0-$72
See website for Details*

BAD CREDIT RATING

★★★★★

4.6

OVERALL RATING

4.0/5.0
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad

+ See More Cards for Bad Credit

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.

FAIR CREDIT RATING

★★★★★

4.6

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited
Credit One Bank® Platinum Visa® Review

at Credit One'ssecure website

FAIR CREDIT RATING

★★★★★

4.5

OVERALL RATING

3.8/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% Variable
$0 - $99
Bad/Poor/Fair/Good

+ See More Cards for Fair Credit

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.

NO/LIMITED CREDIT RATING

★★★★★

4.6

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited

NO/LIMITED CREDIT RATING

★★★★★

4.6

OVERALL RATING

4.0/5.0
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (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.

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