Best Credit Cards for Groceries
Save on Everyday Expenses: Compare cards with higher rewards or cash back for grocery spending, helping you save on daily necessities.
American Express® Gold Card
Features
- Annual Fee: $250, positioning it as a premium card.
- Rewards: Earn 4X Membership Rewards® points at Restaurants and U.S. supermarkets (on up to $25,000 per year), plus 3X on flights.
- Welcome Offer: 60,000 Membership Rewards® points after spending $6,000 in the first 6 months.
- Annual Credits: $120 in Uber Cash and $120 in Dining Credit across select dining partners.
American Express Gold Card Review: Dining Rewards Royalty
AmEx Gold: 4X points on dining/supermarkets, plus valuable annual credits.
Rickie C. Keys, Ph.D., MPH
Blue Cash Everyday® Card from American Express
Features
- Annual Fee: $0, making it financially accessible.
- APR: 0% intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.24%-29.99%.
- Rewards: 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), U.S. gas stations, and on U.S. online retail purchases.
- Welcome Offer: $200 statement credit after spending $2,000 in the first 6 months.
AmEx Blue Cash Everyday Review: A Rewarding Cash-Back Card for a $0 Annual Fee
Blue Cash Everyday: Earn 3% on essentials, $0 annual fee.
Rickie C. Keys, Ph.D., MPH
Blue Cash Preferred® Card from American Express
Features
- Annual Fee: $0 intro for the first year, then $95, balancing its premium rewards.
- Rewards: 6% back at U.S. supermarkets (on up to $6,000 per year) and on select U.S. streaming subscriptions; 3% back at U.S. gas stations and on transit.
- Welcome Offer: $250 statement credit after spending $3,000 in the first 6 months.
- APR: 0% intro APR for 12 months on purchases and balance transfers, then a variable APR of 19.24%-29.99%.
American Express Blue Cash Preferred Review: Perhaps the Ultimate Family Card
Blue Cash Preferred: 6% at supermarkets/streams, big family rewards.
Rickie C. Keys, Ph.D., MPH
Capital One SavorOne Cash Rewards Credit Card
Features
- Cash Back: Unlimited 3% cash back on dining, entertainment, popular streaming services, grocery stores (excluding big-box retailers like Walmart and Target), plus 1% on all other purchases.
- Early Spend Bonus: Many students aspire to earn a $50 bonus after spending $100 within the first three months.
- Uber & Uber Eats Benefits: Enjoy 10% cash back on these services and complimentary Uber One membership statement credits through 11/14/2024, catering to the student lifestyle.
- APR: A variable APR of 19.99%-29.99%, the standard for student cards, emphasizing the importance of responsible spending.
Capital One SavorOne Student Cash Rewards Credit Card Review: Maximizing Student Rewards
Unbeatable 3% student cash back, with $0 fees & credit building.
Rickie C. Keys, Ph.D., MPH
The bonus is® Card
Features
- Annual Fee: $0, making it a budget-friendly option.
- Rewards: Earn 5% cash back in your highest spending category each billing cycle (on up to $500 spent, 1% thereafter), plus an unlimited 1% back on all other purchases.
- Sign-Up Bonus: Earn $200 cash back after spending $1,500 in the first 6 months. The bonus is fulfilled as 20,000 ThankYou® Points, redeemable for $200 cash back.
- Intro APR: 0% on Purchases and Balance Transfers for 15 months, after which a variable APR of 19.24%-29.24% applies.
- Recommended Credit Score: 630-850 (Fair to Excellent).
Citi Custom Cash® Card Review: Automatic 5% Rewards in Your Top Category
Automatic 5% back in your top category, $200 bonus, 0% APR, no fee.
Rickie C. Keys, Ph.D., MPH
Citi Double Cash® Card
Features
- Annual Fee: $0, offering value without cost.
- Rewards Rate: 2% cash back on all purchases: 1% when you buy, plus an additional 1% as you pay for those purchases.
- Intro APR: 0% intro APR on Balance Transfers for 18 months, then a Variable APR of 19.24%-29.24%.
- Sign-Up Bonus: Earn $200 cash back after spending $1,500 in the first 6 months. The bonus is awarded as 20,000 ThankYou® Points, redeemable for $200 cash back.
- Special Offer: 5% total cash back on hotel, car rentals, and attractions booked through the Citi Travel℠ portal until 12/31/24.
Citi Double Cash Card Review: Unbeatable 2% Cash Back for Everyday Spending
Earn 2% on every purchase, a $200 bonus, and 5% on travel, with no annual fee.
Rickie C. Keys, Ph.D., MPH
Citi Premier® Card
Features
- Annual Fee: $95, presenting a consideration for potential cardholders.
- Rewards: Earn 3 points per $1 on travel, gas stations, restaurants, and supermarkets; 1 point per $1 on all other purchases.
- Welcome Offer: 60,000 bonus points after spending $4,000 in the first 3 months.
- APR: Variable APR of 21.24%-29.24%, with no intro APR offer.
Citi Premier Review: Rewards Are Easy to Earn, but Less Valuable to Burn
Citi Premier: Easy earnings, but redemption value varies.
Rickie C. Keys, Ph.D., MPH
Instacart Mastercard®
Features
- Annual Fee: $0, making it an affordable option for all.
- Rewards: 5% back on Instacart purchases, 5% on travel through the Chase Travel Center, 2% at restaurants and gas stations, and 1% on all other purchases.
- Sign-Up Bonus: Free year of Instacart+ and a $100 Instacart credit upon approval.
- APR: Variable 20.24%-28.99%, without an introductory offer.
Instacart Mastercard Review: Grocery Delivery Made More Rewarding
Instacart Mastercard: Max rewards on grocery delivery.
Rickie C. Keys, Ph.D., MPH
Prime Visa
Features
- Annual Fee: $0, making it cost-effective for cardholders.
- Rewards Rate: Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with a Prime membership.
- Sign-Up Bonus: Instant $100 Amazon Gift Card upon approval for Prime members.
- Additional Rewards: Earn 2% back at gas stations, restaurants, and on local transit and commuting; 1% back on all other purchases.
- APR: Variable 19.49%-27.49%, depending on creditworthiness.
Amazon Prime Visa Review: A Must-Have for Amazon and Whole Foods Shoppers
Earn 5% at Amazon/Whole Foods, $100 bonus, and versatile rewards, no fee.
Rickie C. Keys, Ph.D., MPH
U.S. Bank Cash+® Visa Signature® Card
Features
- Annual Fee: $0, eliminating cost concerns for cardholders.
- Rewards: Select two categories each quarter for 5% cash back (up to $2,000 in combined purchases), plus one category for unlimited 2% cash back.
- Sign-Up Bonus: $200 bonus after spending $1,000 in the first 120 days.
- Intro APR: 0% for 15 billing cycles on purchases and balance transfers, then 19.49%-29.74% Variable APR.
U.S. Bank Cash+ Visa Signature Card Review: Tailor Your 5% Rewards
Customize 5% rewards to fit your spending, plus a $200 bonus and 0% APR.
Rickie C. Keys, Ph.D., MPH
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Features
- Annual Fee: There is a $0 intro fee for the first year and then $95, making it a solid choice for those who maximize their rewards.
- Rewards Rate: Earn up to 6% cash back on select shopping categories, 3% on a category you choose, and 1.5% on all other purchases.
- Sign-Up Bonus: A generous $250 bonus after spending $2,000 within the first 120 days.
- Special Cash Back Rates: 5.5% on prepaid car and hotel reservations booked through the Rewards Center.
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card Review: A Game-Changer for Savvy Shoppers
Earn up to 6% back at significant retailers, a $250 bonus, and choice-driven rewards.
Rickie C. Keys, Ph.D., MPH