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Updated January 28, 2015

Study: Grocery Credit Cards 2014

Here are the best credit cards for grocery shopping from our partners
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If you live in a typical American household, your grocery bill adds up to a sizeable chunk of your budget. The average family in 2012 spent about $6,600 on food, or about 13% of overall household spending, according to the Bureau of Labor Statistics.

Some credit cards, to attract new customers, offer rewards and cash back on groceries. Food is a necessity that you have to buy anyway, so why not take advantage of some extra cash back when you purchase it? Even at a cash-back rate of just 2%, the $6,600 that the average American family spends on food each year could put an extra $132 back into your pocket.

We ranked the top offers from our partners and highlighted those that will give you the best value. 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
  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% 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
  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Travel Accident Insurance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% 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
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Cash Back RewardsPoint RewardsGas RewardsGrocery RewardsNo Expiration on RewardsNo Limits on Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
24.99%* Variable
$0

The 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 groceries, gas and utility purchases, plus one point per dollar spent on everything else. That equates to 2% and 1% cash back, 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.

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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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Blue Cash Preferred Review

If you are looking to get cash back rewards on common household categories like gas and groceries, consider the American Express Blue Cash Preferred Card. American Express created the Preferred card (with a $75 annual fee) as an upgrade to the ...
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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.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

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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.