Best Credit Cards For Groceries And Supermarkets

Best Credit Cards For Groceries And Supermarkets

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One of the best ways to maximize your credit card rewards is to pick a card that offers bonus points in the categories that you spend the most in, whether that’s restaurantsgas stations, or non-bonused categories.

In this post I wanted to look at the best credit cards for grocery store & supermarket purchases. While everyone has to eat, people are split on this — some people primarily eat out, some people primarily cook, and some people do a combination of both. For those who like to cook, the bonus category of groceries and supermarkets can be very useful.

There are lots of great credit cards offering bonuses on grocery and supermarket purchases, whether you want to earn cash back, transferable points, airline miles, or hotel points. In all cases, I’ll only be looking at cards earning at least 2% back (or the equivalent of that based on my valuation of points).

What qualifies as grocery & supermarket spending?

We all have different places that we buy our groceries, so to start it’s probably worth clarifying for the purposes of credit cards what qualifies as grocery store spending, and what doesn’t. Here are a few things to be aware of upfront:

  • The grocery store category generally excludes warehouse stores, Walmart, Target, drugstores, convenience stores, etc.; so you should only expect to earn bonus points or bonus cash back when shopping at “traditional” grocery stores, whether that’s Publix, Albertsons, Trader Joe’s, Whole Foods, etc.
  • For American Express cards offering bonuses on grocery store spending, this is limited to U.S. supermarket locations only; so foreign grocery store spending doesn’t earn you bonus points or bonus cash back, and neither will a mini-market or other non-supermarket location where you may purchase groceries
  • This also all comes down to how a particular merchant chooses to categorize themselves; for example, while I imagine it’s not supposed to be the case, I’ve also found that liquor stores are sometimes categorized under the “grocery” category
  • Generally, I’ve found that Instacart orders from supermarkets earn bonus points or cash back, but that’s also not consistently the case

Best credit cards for grocery purchases July 2022

There are several great credit cards offering bonus rewards for grocery store and supermarket spending, whether you’re looking to earn travel rewards or cash back. Below are what I consider to be the best credit cards for grocery store purchases.

Best Overall Well-rounded card with good earnings rates in multiple categories
American Express® Gold CardAmerican Express® Gold Card
Best Cash Back The best cash back card for US supermarkets
Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American Express
Best No Annual Fee 2% cash back, or 2x ThankYou points with the ThankYou Premier or Prestige
Citi® Double Cash CardCiti® Double Cash Card
Best Mileage Card 2x AAdvantage miles on all of your grocery purchases, on a card with no annual fee
American Airlines AAdvantage MileUp℠ CardAmerican Airlines AAdvantage MileUp℠ Card

1. American Express® Gold Card

Reward for U.S. supermarket spending: 4x Amex Membership Rewards points (which I value at 6.8%)
Card annual fee: $250 (Rates & Fees)
Other things to be aware of: You can earn 4x points on the first $25,000 spent every year at supermarkets (1x points after that), and this is only valid at U.S. supermarkets

Read a review of the Amex Gold, apply for the Amex Gold.

2. Amex EveryDay Preferred Credit Card 

Reward for U.S. supermarket spending: Up to 4.5x Amex Membership Rewards points (which I value at 7.65%)
Card annual fee: $95
Other things to be aware of: You can earn 3x points on the first $6,000 spent every year at supermarkets (1x points after that), and this is only valid at U.S. supermarkets; however, if you have at least 30 transactions per billing cycle you earn a 50% points bonus, for a total of 4.5x points

Read a review of the Amex EveryDay Preferredapply for the Amex EveryDay Preferred.

3. Blue Cash Preferred® Card from American Express 

Reward for U.S. supermarket spending: 6% cash back
Card annual fee: $95 (Rates & Fees)
Other things to be aware of: You can earn 6% cash back on the first $6,000 spent every year at supermarkets (1% cash back after that), and this is only valid at U.S. supermarkets

Read a review of the Blue Cash Preferred, apply for the Blue Cash Preferred.

4. Citi Premier® Card

Reward for supermarket spending: 3x Citi ThankYou points (which I value at 5.1%)
Card annual fee: $95
Other things to be aware of: You can earn 3x points at supermarkets globally, with no caps and no foreign transaction fees

Read a review of the Citi Premierapply for the Citi Premier.

5. Aeroplan® Credit Card

Reward for supermarket spending: 3x Air Canada Aeroplan points (which I value at 4.2%)
Card annual fee: $95
Other things to be aware of: You can earn 3x points at supermarkets globally, with no caps and no foreign transaction fees

Read a review of the Aeroplan Cardapply for the Aeroplan Card.

6. Citi Rewards+® Card

Reward for supermarket spending: 2x ThankYou points (which I value at 3.4%)
Card annual fee: $0
Other things to be aware of: This is an excellent no annual fee card option, though you’re limited to this return on the first $6,000 spent per year (you’ll earn 1x points thereafter); in conjunction with other cards earning Citi ThankYou points, these rewards can be transfered to airline & hotel partners

Read a review of the Citi Rewards+apply for the Citi Rewards+.

7. Capital One Venture X Rewards Credit Card

Reward for supermarket spending: 2x Capital One Venture miles (which I value at 3.4%)
Card annual fee: $395
Other things to be aware of: While the card doesn’t have a specific bonus category for supermarkets, it just has an all-around great rewards structure; don’t be alarmed by the annual fee, as the card offers a $300 annual Capital One Travel credit plus 10,000 bonus anniversary miles

Read a review of the Capital One Venture Xapply for the Capital One Venture X.

8. Capital One SavorOne Cash Rewards Credit Card

Reward for supermarket spending: 3% cash back
Card annual fee: $0
Other things to be aware of: You can earn 3% cash back on grocery store purchases globally, all with no caps and no foreign transaction fees

Read a review of the Capital One SavorOneapply for the Capital One SavorOne.

9. Blue Cash Everyday® Card from American Express

Reward for U.S. supermarket spending: 3% cash back
Card annual fee: $0 (Rates & Fees)
Other things to be aware of: You can earn 3% cash back on the first $6,000 spent every year at supermarkets (1% cash back after that), and this is only valid at U.S. supermarkets

Read a review of the Blue Cash Everyday, apply for the Blue Cash Everyday.

10. American Airlines AAdvantage MileUp℠ Card

Reward for supermarket spending: 2x American AAdvantage miles (which I value at 3%)
Card annual fee: $0
Other things to be aware of: While you can earn 2x miles at supermarkets globally, I’d only recommend using the card in the United States, since it has foreign transaction fees

Read a review of the AAdvantage MileUp, apply for the AAdvantage MileUp.

11. Citi Custom Cash℠ Card

Reward for supermarket spending: Varies
Card annual fee: $0
Other things to be aware of: The card offers 5x points in the category in which you spend the most each billing cycle, for up to $500 of spending; supermarkets is one of those categories, meaning you could earn 5x points on supermarket purchases, and you can pool rewards with Citi ThankYou points earned on other cards

Read a review of the Citi Custom Cashapply for the Citi Custom Cash.

12. Citi® Double Cash Card

Reward for supermarket spending: 1% + 1%
Card annual fee: $0
Other things to be aware of: While the card doesn’t have a specific bonus category for supermarkets, it just has an all-around great rewards structure, as you earn 1% cash back when you make a purchase, and 1% cash back when you pay for a purchase; best of all, rewards earned on the card can be converted into Citi ThankYou points

Read a review of the Citi Double Cashapply for the Citi Double Cash.

There are lots of great cards for grocery store rewards

Best credit card for online groceries July 2022

For those who order groceries online, it’s tough to beat the Chase Sapphire Preferred® Card (review). The card offers 3x Chase Ultimate Rewards points for online grocery stores.

The online grocery (excluding Target, Walmart, and wholesale clubs) category includes purchases for grocery pickup and delivery that are placed online with grocery stores, specialty food stores, or delivery service merchants that classify as grocery store merchants (excluding membership and subscription fees). Meal kit delivery services are also included.

You can even earn bonus rewards for online grocery purchases

Bottom line

There are some really fantastic credit cards for grocery store and supermarket spending. If you’re looking to earn travel rewards, it’s tough to beat the value of using the American Express® Gold Card for grocery purchases within the U.S., or the Citi Premier® Card for grocery purchases abroad. Meanwhile if you’re looking to earn cash back, the Blue Cash Preferred® Card from American Express is fantastic, or if you want a no annual fee card, the Capital One SavorOne Cash Rewards Credit Card is the way to go.

Just be sure to pay attention to the exact terms, as not everywhere you may purchase food codes as grocery/supermarket spend with all banks. When you make a purchase at local stores, I always recommend checking afterwards how they’re categorized. For example, I’ve been pleasantly surprised by bodegas, liquor stores, Instacart, etc., also sometimes coding as grocery stores or supermarkets. This often determines which cards I’ll use for those purchases going forward.

What cards do you use for grocery and supermarket spending?

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: American Express® Gold Card (Rates & Fees), Blue Cash Everyday® Card from American Express (Rates & Fees), and Blue Cash Preferred® Card from American Express (Rates & Fees).

Conversations (11)
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  1. mauipeter Guest

    I still get 2x on groceries incl. farmers markets with my ancient United Mileage Plus card.

  2. Ella Guest

    ??? Where’s the Freedom Flex? No fee, base of 5x on groceries the first year, with another 4x last quarter (bonus spend category) and next quarter, for 9x.

  3. Bangkokiscool Guest

    If I add a gold card AU to a plat account does that gold card earn 4x at grocery stores?

  4. Ricardo Guest

    Lucky: I believe you have missed the Hilton Surpass. It gets me 6x back at grocery store. That’s a decent return, though there is better!

  5. LK Guest

    5x for groceries on Chase Freedom starting Jan 1st!!

  6. Takhliq Khan Guest

    For domestic spend, it’s Amex Gold. For overseas, Citi Premier.

  7. LSP New Member

    Do Target purchases trigger any bonus category on any card (other than the store-branded card), or is it best to just use a 2x everywhere card there? Same question for Amazon (again, excluding Amazon's branded card).

    1. Bao Guest

      Buy Amazon and Target gift cards at your grocery stores. This is what I do for all of my Target and Amazon purchases
      Rakuten sometimes have in-store cash back for Target.

  8. Peter Guest

    How about the uncapped 3X in store Grocery spend for the new & interesting Chase Aeroplan card?

  9. Never In Doubt Guest

    Or if you're primarily an Amazon Fresh or Whole Foods customer, one of the two Amazon VISA cards.

Featured Comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Ricardo Guest

Lucky: I believe you have missed the Hilton Surpass. It gets me 6x back at grocery store. That’s a decent return, though there is better!

1
mauipeter Guest

I still get 2x on groceries incl. farmers markets with my ancient United Mileage Plus card.

0
Ella Guest

??? Where’s the Freedom Flex? No fee, base of 5x on groceries the first year, with another 4x last quarter (bonus spend category) and next quarter, for 9x.

0
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