Best Credit Cards For Groceries In 2018


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best credit cards for groceries

There are some urbanites who eat nearly all of their meals at restaurants. But for the rest of us, groceries are a major part of our budget. 

For those of us who shop with reward credit card, we should always have a card that offers exceptional rewards at grocery stores.

The right rewards card will offer bonus points, miles, or cash back every time you visit your grocery store or supermarket.

What to look for in grocery credit cards

When you’re looking for a credit card for groceries, you want more than just a card that earns you cash back at the supermarket.

Maybe you don’t have time to cook and need a card that’s better for dining out. Or, maybe you’re just looking for a credit card that offers great overall rewards.

So, when looking for the best grocery store credit cards, we looked at a variety of factors, including:

  • Rewards on all purchases: Yes, we grocery shop, but having a credit card that can earn you rewards on all purchases is the best way to earn even more cash back.
  • Intro spending bonus: If you plan on spending money on a bigger purchase, getting one of the cards with a signup bonus can earn you money on a purchase you were going to make anyway.
  • Great introductory APR: This goes along with the spending bonus. If you can pay off a purchase within the 0 percent intro offer, you won’t have to pay any interest on your large purchase!
  • Good regular APR: While you should pay off your credit card every month to avoid having to pay interest on your purchases, sometimes you need to pay off a balance over time. Getting a card with a decent regular APR will save you from paying a ton in interest.

Best credit cards for groceries overview:

Best overall grocery credit card

Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card

Credit Needed: Excellent/Good
  • No annual fee
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% Introductory APR on purchases 12 billing cycles 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days 12 billing cycles 15.24% – 25.24% Variable APR on purchases and balance transfers $0

To start the Bank of America® Cash Rewards credit card – $200 Cash Rewards Offer provides you 2 percent cash back at both grocery stores and wholesale clubs, plus 3 percent cash back on gas on your first $2,500 in combined grocery/wholesale club/gas purchases each quarter.

That’s already a lot to offer, but there’s more! 

Cash back rewards

In addition to the rewards above, you also get unlimited 1 percent cash back on all other purchases.

Plus, if you are a Bank of America customer, then you’ll get a 10 percent bonus on your rewards redeemed to your checking or savings account.

Intro offer

New cardholders can receive $150 in bonus cash back after making at least $500 in purchases within 90 days of account opening.

Intro APR offer

New cardholders receive 0% Introductory APR on purchases and for balance transfers completed within 60 days of account opening. There’a also a three percent balance transfer fee. Finally, there’s no annual fee for this card.

See card details/apply or read our full Bank of America® Cash Rewards credit card – $200 Cash Rewards Offer review.

Best for cash back

Discover it® Cash Back

While not directly for groceries, Discover it® Cash Back offers 5 percent quarterly categories, and one is groceries, making this one of the highest earning cash back cards.

Discover it® Cash Back

Credit Needed: Excellent, Good
  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 14 months 0% 14 months 13.99% – 24.99% Variable $0

Cash back

Discover it® Cash Back offers 5 percent cashback in rotating categories each quarter when you activate. One of those quarters typically includes 5 percent back at grocery stores.

Customers will also receive unlimited 1 percent cashback on all other purchases.

Cashback Match™

Discover will match the cash back you’ve earned at the end of your first year as a customer.

No annual fee

What’s great about Discover cards is that they have no annual fee.

APR

The Discover it® Cash Back has a 13.99% – 24.99% Variable APR.

See card details/apply or read our full Discover it® Cash Back review.

Best for dining out

Capital One® Savor® Cash Rewards Credit Card

This offer requires Excellent/Good credit.

    Card Highlights

    • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
    • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
    • 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
    • View Capital One® Savor® Cash Rewards Credit Card details and how to apply »

Whether you’re going to the grocery store or going out to a restaurant, the Capital One® Savor® Cash Rewards Credit Card has you covered.

Cash back

You earn 4 percent cash back on dining and entertainment, 2 percent cash back on groceries and 1 percent cash back on all other purchases. Plus, there are no limits to the amount of rewards that you can earn!

Intro offer

This card also offers new applicants $500 in bonus cash back after making at least $3,000 in purchases within three months of account opening.

Intro APR offer

The Capital One Savor® Cash Rewards Credit Card also features N/A introductory APR for purchases and for balance transfers completed within 60 days of account opening. However, there’a 3 percent balance transfer fee.

Annual fee

There’s a $95 annual fee that’s waived the first year. 

See card details/apply or read our full Capital One® Savor® Cash Rewards Credit Card review.

Best overall rewards credit card

Capital One® Venture® Rewards Credit Card

This offer requires Excellent/Good credit.

    Card Highlights

    • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
    • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
    • Named ‘The Best Travel Card’ by CNBC, 2018
    • View Capital One® Venture® Rewards Credit Card details and how to apply »

While the Capital One® Venture® Rewards Credit Card doesn’t offer a bonus for groceries, it features such competitive rewards for all purchases, that it’s still one of the best cards to use at the supermarket.

Miles

With this card, you earn 2x miles on all purchases, with no limits.

Intro offer

New cardholders can also earn 50,000 bonus miles after spending $3,000 on new purchases within three months of account opening. Capital One even offers 10x miles on lodging expenses booked through Hotels.com.

Capital One miles are worth one cent each as statement credits towards travel purchases including airfare, hotels, car rentals and cruises.

Annual fee waived

There’s a $95 annual fee for this card that’s waived the first year, and no foreign transaction fees.

APR

The Capital One® Venture® Rewards Credit Card has a 14.74% – 24.74% (Variable) APR.

See card details/apply or read our full Capital One® Venture® Rewards Credit Card review.

Best for business owners

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Credit Needed: Excellent/Good
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 18.74% (Variable) $0 intro for first year; $95 after that

For small businesses that need to make frequent purchases from grocery stores, the Capital One® Spark Cash for Business is a great rewards card to have.

Cash back

This card offers 2 percent cash back on all purchases, with no limits.

Intro offer

New accounts can also earn $500 in cash back after making $4,500 in purchases within three months of account opening.

Free employee cards are also available at no additional cost.

Annual fee waived

There’s a $95 annual fee for this card that’s waived the first year, and no foreign transaction fees.

APR

The Capital One® Spark® Cash for Business has a 18.74% (Variable) APR.

See card details/apply or read our full Capital One® Spark® Cash for Business review.

FAQ

Q: Who should consider a grocery story credit card?

A: Since nearly everyone goes grocery shopping frequently, getting a card that offers rewards for groceries is a no-brainer.

But, there’s also credit cards that offer gas rewards, travel rewards, low APRs, etc. Pair one of these with the cards below and you’re sure to earn cash back on just about everything you spend on.

Q: How do I redeem my rewards point?

A: This will differ between cards—here’s how each card deals with reward redemption.

  • Bank of America® Cash Rewards credit card: You can begin redeeming your points with a minimum of just 2,500 points. To check your balance and redeem your points, sign in to Online Banking, select your credit card account and then select the Rewards tab
  • Capital One® Savor® Dining Rewards: You can get your cash back upon request in the form of a statement credit or a check. You can also set up an automatic redemption preference.
  • Capital One® Venture® Rewards Credit Card: You can use the Capital One Purchase Eraser to redeem your miles as a statement credit towards any of your previous travel purchases. Or, go online to capitalone.com or contact our Rewards Center to book your flight, car rental or hotel and use your miles to pay for your travel.
  • Capital One® Spark® Cash for Business: You can get your cash back upon request in the form of a statement credit or a check. You can also set up an automatic redemption preference.
  • Discover it® Cash Back: You can redeem your cashback through gift cards, rewards at Amazon.com checkout, your bank account, or you can make a donation to charity.

Q: What credit score do I need to qualify for these cards?

A: For all of these credit cards you’ll need to good to excellent credit to get approved.

Those who are working on rebuilding their credit should take a look at these credit cards.

Summary

We all shop for groceries, so why not earn rewards for doing so? These four cards offers the best cash back and miles rewards for your everyday grocery store purchases.

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