Updated August 15, 2014

Study: Best Grocery Credit Cards

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 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 charges 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.

Best Credit Card for Grocery Shopping

Barclaycard Rewards MasterCard - Average Credit
Apply for Barclaycard Rewards MasterCard - Average Credit
  • 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 blackout date, 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® 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 average 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.

Honorable Mention

For road warriors: Citi Hilton HHonors Visa Signature Card.

Citi Hilton HHonors Visa Signature Card
Apply for Citi Hilton HHonors Visa Signature Card
  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*
Introductory Bonus Hotel RewardsHotel RewardsDrugstore RewardsGas RewardsGrocery RewardsNo Expiration on RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsurancePurchase ProtectionTravel Accident Insurance$0 Fraud LiabilityEmergency AssistanceIdentity Theft Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
14.24% - 16.24%* (Variable)
None

Gas, grocery and drugstore purchases earn three points per dollar, hotel spending within the Hilton portfolio of properties earns six points, and everything else earns two points. There’s no annual fee, which is unusual for a credit card offering travel rewards, and you have the opportunity to earn 40,000 bonus points if you spend $1,000 on the card within the first four months of opening the account.

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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 otherwised endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

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Barclaycard Average Credit Rewards Card Review

For people with average credit looking to earn reward points with no annual fee, the Barclaycard Rewards MasterCard is a good pick. It offers 2 points per dollar spent on three common expense categories — gas, groceries, and utilities. However, ...
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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.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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.