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Updated March 17, 2016

Study: Best Credit Card for Groceries 2015

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If you live in a typical American household, your grocery bill adds up to a sizeable chunk of your budget. Using the right credit card for groceries can save you money.

Food is a necessity that you have to buy anyway, so why not take advantage of some extra cash back when you purchase it?

Did You Know: The average family in 2013 spent about $6,600 on food, or about 13% of overall household spending, according to the Bureau of Labor Statistics. Even at a cash-back rate of 2%, the $6,600 that the average American family spends on food each year could put $132 back into your pocket.

We ranked the top offers from our partners and highlighted those that will give you the best value in our opinion.

Keep in mind that this assumes you’ll pay off your balance when it comes due so you avoid interest and late fees; otherwise your rewards will be negated.

To even the playing field, CreditDonkey.com scored the credit cards on the same basic premise: an American consumer (for the purpose of this article, we'll call her Jane) spends $550 a month at the supermarket, or $6,600 annually.

Credit Card for Grocery Shopping

Blue Cash Preferred from American Express (a CreditDonkey advertiser) won first place in our study with Jane pocketing $441 after her first year of spending. Assuming Jane was new to using the Blue Cash Preferred and she exclusively used the card for all her grocery shopping ($6,600 annually), she would earn:

  • + 150 in Reward Dollars after using the new card to make $1,000 in purchases within the first three months.
  • + 360 in Reward Dollars from the 6% cash back at U.S. supermarkets on $6,000 of her grocery spending.
  • + 6 in Reward Dollars from the 1% cash back she would get on purchases that exceed the $6,000 per year threshold.
  • - $75 annual fee.

Blue Cash Preferred Card from American Express
Apply for Blue Cash Preferred Card from American Express
At American Express' Secure Site
  • Special Offer - Get up to $350 back. Offer Ends 6/15/2016.
  • Get Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%); 3% U.S. gas stations & select U.S. dept. stores; 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® Card, you can get cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only get cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 12 months
0% on Balance Transfers for 12 months
13.24% - 23.24% Variable
$75

Blue Cash Everyday from American Express (a CreditDonkey advertiser) won second place in our study with Jane pocketing $286 in the first year. Assuming Jane was new to using the Blue Cash Everyday and she exclusively used the card for all her grocery shopping ($6,600 annually), she would earn:

  • + 100 in Reward Dollars after using the new card to make $1,000 in purchases within the first three months.
  • + 180 in Reward Dollars from the 3% cash back at U.S. supermarkets on $6,000 of her grocery spending.
  • + 6 in Reward Dollars from the 1% cash back on her purchases that exceed the $6,000 per year threshold.

Blue Cash Everyday Card from American Express
Apply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Special Offer - Get up to $300 back. Offer Ends 6/15/2016.
  • Get Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%); 2% U.S. gas stations & select U.S. dept. stores; 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Everyday® Card, you can get cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only get cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 12 months
0% on Balance Transfers for 12 months
13.24% - 23.24% Variable
$0

Barclaycard Rewards MasterCard won third place in our study with Jane pocketing $132 in her first year. Assuming Jane exclusively used the card for all her grocery shopping ($6,600 annually), she would earn:

  • + $132 from the two-points-per-dollar she earns on money spent on grocery purchases.

Barclaycard Rewards MasterCard
Apply for Barclaycard Rewards MasterCard
At Barclaycard's Secure Site
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Point RewardsGas RewardsGrocery RewardsNo Expiration on RewardsNo Limits on Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
25.24%* Variable
$0

Barclaycard Rewards MasterCard is a good option for people with fair credit. With the Barclaycard Rewards MasterCard, you’ll earn two points on every dollar spent on grocery store (excludes Target® and Walmart®), gas, and utility purchases. On all other purchases, you get one point per dollar spent. That equates to 2% and 1% cash back (via a statement credit), respectively. Put into dollar terms, $500 in monthly grocery spending will put $10 back into your pocket. There’s no limit to the points you can earn and no redemption fees to worry about.

Also worth noting is that, because this is a MasterCard, it’s likely to be accepted in more places than American Express and Discover, which has a somewhat smaller network of merchants.

Honorable Mention

The Amex EveryDay Credit Card from American Express
Apply for The Amex EveryDay Credit Card from American Express
At American Express' Secure Site
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • See Rates & Fees
Introductory Bonus Reward PointsPoint RewardsBonus Reward PointsGrocery Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
13.24% - 22.24% Variable
$0

The Plenti Credit Card from Amex
Apply for The Plenti Credit Card from Amex
At American Express' Secure Site
  • Get 5,000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.
  • No Annual Fee and No Annual Fee for Additional Cards.
  • 3 Plenti points at US supermarkets (on up to $6,000 per year in purchases), 2 points at US restaurants and 1 point on other purchases for each eligible dollar spent. Terms apply.
  • Get points in addition to what you can with the Plenti® rewards program. Learn More.
  • Use Plenti® points for things you already buy at AT&T company-owned stores, Macy's and more! Terms and limitations apply.
  • Terms and restrictions apply.
  • See Rates & Fees
Introductory Bonus Reward PointsPoint RewardsGrocery RewardsDining RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 12 months
N/A
15.24% - 25.24% Variable
$0

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Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.