Some credit cards pay enhanced rewards on purchases at supermarkets. These cards can pay up to 6% cash back at the grocery store, although some also cap the amount that earns this increased reward. Here are all the details in our list of the best credit cards for groceries.
When it comes to saving money at the grocery store your first thought is probably a coupon. While coupons are a great way to cut your grocery bill, you can also save by using a cashback credit card. Cashback cards give you a percentage back on what you spend, thus saving you money.
Chase Limited Time Bonus on Groceries
Chase has just announced increased credit card rewards for purchases at grocery stores. The bonuses range from 3x to 5x rewards. The enhanced rewards run from May 1 to June 30, 2020. Here are the cards affected:
| Card | Accelerator |
| Chase Sapphire Reserve | 5X points |
| United Club | 5X miles |
| United Club Infinite | 5X miles |
| United Presidential Plus | 5X miles |
| Chase Sapphire Preferred | 3X points |
| Aer Lingus Visa Signature | 3X Avios |
| British Airways Visa Signature | 3X Avios |
| Disney Premier Visa | 3% Disney Rewards Dollars |
| Hyatt | 3X Bonus Points |
| World of Hyatt | 3X Bonus Points |
| Iberia Visa Signature | 3X Avios |
| IHG Rewards Club Premier | 3X points |
| IHG Rewards Club Select | 3X points |
| Southwest Rapid Rewards | 3X points |
| Southwest Rapid Rewards Employee | 3X points |
| Southwest Rapid Rewards Plus | 3X points |
| Southwest Rapid Rewards Premier | 3X points |
| Southwest Rapid Rewards Priority | 3X points |
| United Explorer | 3X miles |
| United MileagePlus | 3X miles |
| United MileagePlus Awards | 3X miles |
| United MileagePlus Select | 3X miles |
Here are the details from Chase:
“From May 1st through June 30th, 2020, Chase Sapphire Preferred and Reserve and most Chase co-branded cardmembers will either earn 5X or 3X total points or miles per $1 spent on grocery purchases – up to $1,500 per month. They’ll get the extra points or miles even when they order online for pickup or delivery from eligible grocery stores and grocery delivery services. There is no activation required. They’ll earn automatically.”
Marriott Cards Supermarket Bonus
In addition, Chase is working with Marriott to provide all Marriott cardmembers 6x total points per $1 spent on grocery purchases, up to $5,000. This offer is automatic and is valid from May 1 to July 31, 2020.
Here are the Marriott cards included in this 6x limited time bonus:
Marriott Bonvoy Boundless Credit Card
- Bonus Offer: Earn 5 free nights after spending $5,000 on purchases with the card in the first 3 months of opening your account.
- Earn a free night award (worth up to 35,000 points) every year after your account anniversary
- Earn 6X points at participating Marriott Bonvoy hotels
- Earn 2X Bonvoy points on all other purchasers
- Earn Silver Elite Status each account anniversary, path to Gold Status after users spend $35,000 each year
- Receive 15 Elite Night Credits granted each calendar year.
- Unlimited Marriott Bonvoy Points
- $95 Annual Fee
Marriott Bonvoy Bold Credit Card
- Welcome Bonus: You’ll get 30,000 bonus points if you spend $1,000 on purchases with the card in the first 3 months.
- 3x Rewards: Earn 3x Bonvoy points on every $1 you spend at Marriott Bonvoy hotels
- 2x Rewards: Earn 2x Bonvoy points on every $1 you spend on travel purchases
- 1x Rewards: Earn 1x Bonvoy points on all other purchases
- You also get 15 Elite Night Credits every calendar year
- No foreign transaction fees
- No annual fee
Best Credit Cards for Groceries
The best credit cards for grocery shopping pay at least 3% in rewards. The above Chase cards meet that standard, although for a limited time. Here are our top supermarket cards from all issuers.
Chase Sapphire Reserve Card
- Welcome Offer: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit
- 3X points on travel immediately after earning your $300 travel credit.
- 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
- $0 foreign transaction fees.
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™
- Select Up to $100 application fee credit for Global Entry or TSA Pre?®
Chase Sapphire Preferred Card
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. These points are worth $750 in travel when you redeem through Chase Ultimate Rewards.
- 2X points on travel and dining at restaurants
- 1 point per dollar spent on all other purchases
- $0 foreign transaction fees
- 1:1 point transfer to leading frequent travel programs at full value
- $ Annual Fee
Blue Cash Preferred® Card from American Express
- Limited Time Offer: $300 statement credit after you spend $3,000 on purchases with the card in the first 6 months.
- Earn Cash Back: 6% at U.S. supermarkets up to $6,000 per year in purchases (then 1%), and 6% Cash Back on select U.S. streaming subscriptions including Spotify, Netflix, Hulu, HBO, ShowTime, Pandora, Apple Music, Amazon Music or Video (Does not include Prime membership).
- Earn 3% at U.S. gas stations and on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 1% on all other purchases. Terms and limitations apply.
- With the Blue Cash Preferred® Card, you can start earning cashback. No rotating reward categories. No enrollment required.
- Cashback is received in the form of Reward Dollars that can be redeemed as a statement credit. Cashback is earned only on eligible purchases.
- Annual Fee: $0 introductory annual fee for one year; $95 thereafter
- 0% APR on purchases for 12 months
- Terms Apply
Amazon Prime Rewards Visa Signature Card
- 5% cash back at Amazon.com and Whole Foods Market
- 2% cash back at restaurants, gas stations and drugstores
- 1% cash back on all other purchases
- $70 Amazon gift card upon approval
- No annual fee
- No foreign transaction fees
Blue Cash Everyday Card from American Express
- Welcome Offer:$200 statement credit after you spend $1,000 on purchases with the card in the first 3 months.
- Cash Back Rewards–
- 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; and
- 1% back on other purchases.
- Note: Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Intro APR: 0% for 15 months on purchases.
- No annual fee.
- Terms Apply
Capital One® Savor® Cash Rewards Credit Card
- Early Spend Bonus: Earn $300 cash bonus after you spend $3,000 on purchases within the first 3 months
- 4% Cash Back: Earn 4% cash back on dining and entertainment
- 2% Cash Back: Earn 2% on groceries
- 1% Cash Back: Earn 1% on all other purchases
- Intro APR: 0% intro APR on purchases and balance transfers for 9 months
- $0 intro annual fee for the first year, $95 after that
- No foreign transaction fees
Chase Freedom
- Signup Bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter
- 1% Cash Back: Earn 1% cash back on all other purchases
- Intro APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers
- Free credit score, updated weekly with Credit Journey
- No annual fee
Note that the Chase Freedom pays 5% on grocery purchases (excluding Walmart and Target) on up to $1,500 in purchases from now until June 30, 2020.
Store Brand Credit Cards
If you shop for groceries at specific stores, the store-branded credit cards often offer excellent rewards. I already mentioned the Amazon Prime Rewards Visa Signature above. It earns 5% cash back on purchases at Whole Foods.
Here are some other store-specific cards to consider.
Target RedCard: The Target RedCard pays 5% cashback on Target purchases in the store and online. The 5% even applies to purchases at Starbucks in Target stores. The card comes as either a credit card or a debit card. The debit card version made our list of the best prepaid cards.
Walmart Credit Card: Issued by Capital One, the Walmart card pays 5% cashback at online Walmart purchases, including grocery pickup and delivery. It pays 2% cashback on purchases at Walmart stores.
Costco Anywhere Visa Card by Citi: the Costco Card pays 2% cash back on all purchases at Costco and Costco Online. Frankly, as a grocery store credit card, it’s mediocre. The problem is that many of the other cards listed above don’t pay the enhanced rewards on groceries purchased at Costco or other wholesale clubs. As such, it can be your best bet on Costco. On the brighter side, it pays 4% cash back on gas and 3% back on restaurants and eligible travel purchases.
