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Grocery Cards

Grocery Card Deals: July 2017

We've compiled a list of the 5 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% cash 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 U.S. supermarkets 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 “U.S. supermarket”), then you risk not making enough to cover the annual fee. Let’s say you spend only $1,000 at U.S. supermarkets 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 (then 1%). 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.

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 ($0 intro annual fee for the 1st 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.

Terms and limitations apply.

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 Chase Freedom and Discover it® Cashback Match™ have been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Infographics: Grocery Shopping Plan

Save Money on Groceries

Stretch your food budget and save money on groceries with these simple tips. Your wallet will be thanking you!

Blue Cash Preferred Card from American Express
Read ReviewApply for Blue Cash Preferred Card from American Express
At American Express' Secure Site
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Grocery Rewards: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year. Terms and limitations apply
Our Review: If you are looking to get cashback rewards on common household categories like purchases at U.S. supermarkets and U.S. gas stations, consider the Blue Cash Preferred® Card from American Express. Amex 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% on Purchases for 12 months
0% on Balance Transfers for 12 months
13.99% - 24.99% Variable
$95

Blue Cash Everyday Card from American Express
Read ReviewApply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Grocery Rewards: 3% 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 want a cash back credit card with the same rewards categories year-round and no annual fee, then consider the Blue Cash Everyday® Card from American Express. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 12 months
0% on Balance Transfers for 12 months
13.99% - 24.99% Variable
$0


Read Review
Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsGas RewardsGrocery Rewards$0 Fraud Liability
Our Review: If you have excellent credit and use your credit card daily, the Amex EveryDay® Preferred Credit Card from American Express is worth considering. Read this review to see why it's worth the $95 annual fee... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 12 months
0% on Balance Transfers for 12 months
13.99% - 23.99% Variable
$95

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® points 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 13.99% to 23.99%, based on your creditworthiness and other factors.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsGrocery Rewards$0 Fraud Liability
Grocery Rewards: 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 Amex 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% on Purchases for 12 months
0% on Balance Transfers for 12 months
13.99% - 23.99% Variable
$0


Read Review
Introductory Bonus Reward PointsPoint RewardsGrocery RewardsDining RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance
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% on Purchases for 12 months
N/A
15.99% - 25.99% Variable
$0

Premier Rewards Gold Card from American Express
Read ReviewApply for Premier Rewards Gold Card from American Express
At American Express' Secure Site
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 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 Foreign Transaction Fees.
  • $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.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Terms 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: Earn 2X points at US supermarkets. Terms Apply.
Our Review: If you spend a lot on airfare, the Premier Rewards Gold Card from American Express may be worth considering. Read on for 10 reasons to consider this Amex 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


Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsNo Expiration on Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Introductory APR for 12 billing cycles
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
13.99% - 23.99% Variable APR on purchases and balance transfers
$0

Hilton Honors Surpass Card from American Express
Apply for Hilton Honors Surpass Card from American Express
At American Express' Secure Site
  • Earn 75,000 Hilton Honors™ Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
  • As a Hilton Honors™ Surpass® Card Member you'll receive Hilton Honors Gold status.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Hotel RewardsHotel RewardsGas RewardsGrocery RewardsDining RewardsExtended WarrantyPurchase ProtectionReturn ProtectionBaggage Insurance Travel Accident Insurance$0 Fraud Liability
Grocery Rewards: Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. supermarkets. Terms apply.
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.24% - 20.24% Variable
$75

Disclaimer: The information for the The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, and BankAmericard Cash Rewards™ Credit Card have 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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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.