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Grocery Cards

Grocery Card Deals: August 2016

We've compiled a list of the 7 Grocery Card Deals currently available on CreditDonkey.

Grocery Credit Cards

Rising food prices are putting a strain on everyone's grocery budget. Compare our list of grocery credit cards from our partners to earn extra rewards for purchases at supermarkets and grocery stores. Keep these three factors in mind when comparing grocery credit cards: Rewards, Annual Fee and Interest Rates. While some grocery credit cards have an annual fee, don't let that deter you—the extra cash back often justifies the annual fee.


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Credit Cards for Groceries

This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the advertiser's affiliate programs.

The right grocery credit card gives you a high percentage back for shopping at the supermarket as well as a good amount back on your other everyday purchases, like charges made at the gas pump.

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When you have a rewards card that focuses on charges you’d be making whether you had the card or not, you stand to make a good amount in cash back or points over time.

That’s money you can use to keep feeding your family — or to actually take that vacation you’ve been dreaming about.

So, which card makes sense for you? It depends on how you’ll use it and your spending habits. We can tell you it’s smart to compare what’s out there.

We’ll get you started:

Groceries and Gas

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Blue Cash Preferred
Apply for Blue Cash Preferred Card from American Express
If you want to get rewards for groceries and you shop a lot: The Blue Cash Preferred from American Express, a CreditDonkey advertiser, is a must on your comparison list.

  • It offers 6% back on U.S. supermarket purchases (on up to $6,000 in purchases per year, after which it’s 1%). That’s a huge percentage compared to what you’ll find with many other cards.

  • But there's a catch: it has a $95 annual fee.

  • On the plus side, you also earn 3% cash back at U.S. gas stations.

Do the math: Let’s say you spend $100 at the grocery store every week ($5,200 for the year). Those charges alone would give you $312 in cash back.

But if you’re not a big grocery shopper (either your mom still buys food for you or you always do your shopping at a store like a Target or Walmart, which Amex does not view as a “supermarket”), then you risk not making enough to cover the annual fee. Let’s say you spend only $1,000 at a supermarket in a year and you used the card for nothing else; you’d get just $60 in cash back over the 12-month period — not enough to make up for the annual fee.

Blue Cash Everyday
Apply for Blue Cash Everyday Card from American Express
If you do not want to pay an annual fee, no matter what: The Blue Cash Preferred’s sibling, the Blue Cash Everyday, does not have an annual fee, but it offers a much lower amount back for your groceries — 3% at U.S. supermarkets on up to $6,000 worth of purchases per year. And although you earn slightly less for gas purchases, it is still a good amount (this card will earn you 2% cash back at U.S. gas stations).

For those who are unsure whether they will spend over $61/week (or $3,172/year) in groceries at U.S. supermarkets or who just find annual fees distasteful, this may be the better option.

Why $3,172? If you spend $3,172 a year at U.S. supermarkets, you would earn $190.32 cash back (6% tier) with the Blue Cash Preferred. Since the Blue Cash Preferred has a $95 annual fee, you'll have $95.32 left over in rewards, in addition to whatever else you earned on other purchases.

With the Blue Cash Everyday, you'll earn $95.16 cash back (3%) on that $3,172 a year at U.S. supermarket spending. That's the rough breakeven point between the two cards (technically $3,166.67/year). In other words, if you spend more than $3,172 a year at U.S. supermarkets, then go with the Blue Cash Preferred.

Do the math: The Blue Cash Everyday is still a great deal in our opinion, as it’s tough to find 3% or higher on a regular basis with no annual fee (cash back cards like Discover and Chase Freedom have historically offered up to 5% back on supermarket items, but they do it only for a limited, 3-month window with a spending cap). With no annual fee, you don’t have to stress about spending a certain amount to make up for it.

Keeping with the $100-a-week at the supermarket example, 3% will give you enough for a week’s worth of groceries — $156 for the year. If you have other cards in your wallet, be sure you always use this one for groceries because the more you use it, the more you stand to make.

Barclaycard Rewards
Apply for Barclaycard Rewards MasterCard
If you do not have excellent credit, consider the Barclaycard Rewards MasterCard. It comes with no annual fee and offers 2X on grocery store (excluding Target® and Walmart®) purchases. It gives 2X back at gas stations and utilities too (1X on everything else, including restaurant purchases). You may want to apply for this card if you have fair credit — the American Express cards usually have a higher standard for the applicants they will accept.

Groceries and Restaurants

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Premier Rewards Gold Card
Apply for Premier Rewards Gold Card from American Express
If you want to get rewarded for groceries and dining out: Do you spend a lot of quality time over your kitchen stove one week and then become a huge takeout fan the next week?

Consider the Premier Rewards Gold Card from American Express. It provides 2X on purchases at U.S. supermarkets, U.S. gas stations and U.S. restaurants. This card does have a $195 annual fee (waived for the first year), but comes with more perks than the cards we’ve mentioned above.

Bonus tip: Rewards for gas station purchases go beyond the pump, of course, and include those last minute pickup items like milk and bread (and even your slushie splurge), but don’t stock up at the gas station just to get your rewards. In general, food purchased at the supermarket is much cheaper than what you’d find at your gas station.

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.

Disclaimer: The information for the Discover it® and Chase Freedom® have been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Credit Card for Groceries

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.

Blue Cash Preferred Card from American Express
Read ReviewApply for Blue Cash Preferred Card from American Express
At American Express' Secure Site
  • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
  • Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • 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 earn 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 Conditions apply.
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Grocery Rewards Benefit: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Terms and limitations apply
Our Review: If you are looking to get cashback rewards on common household categories like gas and groceries, consider the Blue Cash Preferred Card. American Express created the Preferred card as an upgrade to the Blue Cash Everyday... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.24% - 23.24% Variable
$95

Blue Cash Everyday Card from American Express
Read ReviewApply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • 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 earn 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 Conditions apply.
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Grocery Rewards Benefit: 3% at U.S. supermarkets on up to $6,000 per year in purchases (1% thereafter). Terms and limitations apply
Our Review: If you want a cash back credit card with the same rewards categories year-round and no annual fee, then consider the Blue Cash Everyday Card. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.24% - 23.24% Variable
$0

Barclaycard Rewards MasterCard
Read ReviewApply 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
Grocery Rewards Benefit: 2X points on grocery store purchases (excluding Target® and Walmart®)
Our Review: For people with fair credit looking to earn rewards with no annual fee, the Barclaycard Rewards MasterCard is a solid pick. It offers 2x points on three common expense categories — gas, grocery stores (excluding Target® and Walmart®), and utilities... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
25.24%* Variable
$0

The Amex EveryDay Preferred Credit Card from American Express
Read ReviewApply for The Amex EveryDay Preferred Credit Card from American Express
At American Express' Secure Site
  • Earn 15,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 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 through amextravel.com.
  • 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 Conditions apply.
  • See Rates & Fees
Introductory Bonus Reward PointsPoint RewardsBonus Reward PointsGas RewardsGrocery Rewards$0 Fraud Liability
Grocery Rewards Benefit: 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x). Terms and limitations apply
Our Review: The EveryDay Preferred credit card is worth considering if you have excellent credit and plan to use this card frequently to take full advantage of its rewards. This is the type of the card that is meant to come out of your wallet several times throughout the month — or else you’ll find the $95 annual fee won’t be worth it... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.24% - 23.24% Variable
$95

The Plenti Credit Card from Amex
Read ReviewApply for The Plenti Credit Card from Amex
At American Express' Secure Site
  • Earn 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.
  • Earn 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 Conditions apply.
  • See Rates & Fees
Introductory Bonus Reward PointsPoint RewardsGrocery RewardsDining RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance
Grocery Rewards Benefit: 3 Plenti points at US supermarkets (on up to $6,000 per year in purchases)
Our Review: Does the Plenti credit card from Amex offer plenty of value? There is no annual fee but is it worth your time?... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
N/A
15.24% - 25.24% Variable
$0

The Amex EveryDay Credit Card from American Express
Read ReviewApply for The Amex EveryDay Credit Card from American Express
At American Express' Secure Site
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more 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 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees
Introductory Bonus Reward PointsPoint RewardsBonus Reward PointsGrocery Rewards$0 Fraud Liability
Grocery Rewards Benefit: 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x). Terms and limitations apply.
Our Review: If you tend to charge at least 20 purchases a month on your credit card, you may want to consider switching to the EveryDay Credit Card from American Express. Read on for the reasons why the rewards credit card may be a good addition to your wallet... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.24% - 23.24% Variable
$0

Premier Rewards Gold Card from American Express
Read ReviewApply for Premier Rewards Gold Card from American Express
At American Express' Secure Site
  • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply. See Rates & Fees
Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas RewardsGrocery RewardsNo Pre-Set Spending LimitDining RewardsEventsCar Rental Insurance Extended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityRoadside Assistance
Grocery Rewards Benefit: Earn 2X points at US supermarkets
Our Review: If you spend a lot on airfare, the Premier Rewards Gold Card may be worth considering. Read on for 10 reasons to consider this American Express card and 4 reasons to skip it... Read full review
Card TypeAnnual Fee
Personal Charge Card
Introductory annual fee of $0 for the first year, then $195

Hilton HHonors Card from American Express
Read ReviewApply for Hilton HHonors Card from American Express
At American Express' Secure Site
  • Earn 50,000 Hilton HHonors(TM) Bonus Points after you spend $750 in purchases on the Card within your first 3 months of Card Membership.
  • Get 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Get 3X Hilton HHonors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
  • Enjoy complimentary Silver status with your Hilton HHonors™ Card.
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn HHonors Gold status through the end of the next calendar year.
  • Terms and Conditions apply.
  • See Rates & Fees
Introductory Bonus Hotel RewardsHotel RewardsGas RewardsGrocery RewardsDining RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Baggage InsuranceTravel Accident Insurance$0 Fraud Liability
Grocery Rewards Benefit: Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. supermarkets.
Our Review: The Hilton HHonors Card from American Express is a hotel credit card with no annual fee, so what's the catch? Read on to see if the Hilton AMEX is worth applying for... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.49% - 19.49% Variable
$0


Read Review
Introductory Bonus Hotel RewardsHotel RewardsDrugstore RewardsGas RewardsGrocery Rewards
Our Review: The Citi Hilton HHonors Visa is an excellent rewards card for travelers who enjoy staying at Hilton hotels. This card earns award nights at Hilton hotels around the world and gives you HHonors Status with the Hilton chain... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.49% - 19.49%* (Variable)
None

Disclaimer: The information for the Citi® Hilton HHonors Visa Signature® Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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How to Choose a Credit Card with Rewards

So you've decided you want to earn rewards for your spending but aren’t sure how to pick the right card?

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.