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Best Credit Cards for Groceries, Curbside Pickup and Contactless Delivery

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Card Issuer Grocery Store Rewards Bonus Bonus Eligibility
Bank of America® Customized Cash Rewards credit card 2% back $200 Spend $1,000 during the first 90 days of account opening.
Chase Freedom Flex℠ Card 1% back $200 Spend $500 during the first 3 months of account opening.
Chase Freedom Unlimited® Card 1.5% back $200 Spend $500 during the first 3 months of account opening.
American Express® Gold Card 4X points† 60,000 Membership Rewards Points Spend $4,000 in in purchases on your new Card in your first 6 months.
American Express Cash Magnet® Card 1.5% back $200 statement credit Spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Blue Cash Everyday® Card from American Express 3% back* $200 statement credit Spend $1,000 or more in purchases on the Card within the first 3 months of Card Membership.
Blue Cash Preferred® Card from American Express 6% back* $300 statement credit Spend $3,000 in purchases on your new Card in your first 6 months.
Capital One® Quicksilver® Card 1.5% back $200 Spend $500 on purchases within 3 months from account opening.
Capital One® Savor® Rewards Card 3% back $300 Spend $3,000 on purchases within 3 months from account opening.
Capital One® SavorOne® Rewards Card 3% back $200 Spend $500 on purchases within the first 3 months from account opening.
Capital One® Venture® Rewards Card 2X miles 60,000 miles Spend $3,000 on purchases in the first 3 months from account opening
Wells Fargo Cash Wise Visa® Card 1.5% back $150 Spend $500 in the first 3 months of account opening.
Wells Fargo Visa Signature® Card 5X points† None Not applicable
Wells Fargo Rewards ® Card 5X points† None Not applicable

‡ 2% back at Costco and Costco.com and 1% on all other purchases.

>>Review the methodology our finance experts use to evaluate credit cards and determine the best offers in various categories.

*Jump to most frequently asked questions about grocery store rewards.

Best Credit Cards for Buying Groceries in September 2021

If you want to master the art of earning credit card rewards, there’s one essential rule you need to follow: Never spend extra money on your quest for points. Instead, successful credit card reward hacking consists of earning points, miles or cash back from purchases you’d need to make anyway. There are credit cards that offer higher rewards for another common expense: grocery shopping.

According to the USDA, the cost of feeding a family of four a nutritious diet can run between $565 to $1,286 per month. If you use the right grocery store rewards credit card to pay for those purchases (and pay off your full balance each month), you could enjoy some valuable perks. These grocery rewards credit cards might be an excellent fit for your next trip to the supermarket.

Bank of America® Customized Cash Rewards credit card

One of the primary reasons many folks choose a Bank of America Customized Cash Rewards credit card is the ability to earn cash on regular purchases. You’ll earn 3% cash back in one of the following categories of your choosing: gas stations, online shopping, travel, dining, drug stores and home improvement/ furnishings. You’ll also get a flat-rate 2% back at grocery stores and wholesale clubs. While the cash-back rate for grocery store spending is average for a no-annual-fee card, many other cards don’t offer a higher cash-back tier for wholesale clubs. If you buy in bulk, this card could really help maximize your rewards. You’ll earn the 3% and 2% cash rewards on the first $2,500 combined spending each quarter. All other purchases earn a flat-rate 1% back. Read our full review of the Cash Rewards credit card.


Chase Freedom Flex℠ Card

The Chase Freedom Flex® Card is an excellent cash-back credit card for people who are looking to maximize rewards-earning opportunities. As a new cardholder, you’ll also earn a $200 sign-up bonus after you spend $500 in the first three months. Additionally, you’ll get 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year. Read our full review of the Chase Freedom Flex Card.

Cardholders can take advantage of 5% cash back on rotating bonus categories when you activate (up to $1,500 each quarter), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on other purchases. You get all this value without any annual fee!


Chase Freedom Unlimited® Card

The Chase Freedom Unlimited card is a great all-around card with no annual fee. New cardholders can take advantage its big $200 sign-up bonus and an introductory 0% APR on purchases for the first 15 months. Read our full review of the Chase Freedom Unlimited card.

You earn 5% cash back on travel booked through Chase Ultimate Rewards, 3% back at drugstores, 3% back on dining, including takeout and eligible delivery services, and a flat-rate 1.5% back on other purchases. There are no rotating categories to track, caps on how much you can earn or excluded purchase categories. Additionally, this card earn 5% cash back on grocery store purchases up to $12,000 for the first year. However, it’s important to note that big box retailers such as Walmart and Target are not considered grocery stores and are therefore ineligible for this offer.


Best American Express Cards for Buying Groceries

Card U.S. Supermarket Rewards Welcome Bonus Bonus Eligibility
American Express® Gold Card 4X points† 60,000 Membership Rewards Points Spend $4,000 in in purchases on your new Card in your first 6 months.
American Express Cash Magnet® Card 1.5% back $200 statement credit Spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Blue Cash Everyday® Card from American Express 3% back* $200 statement credit Spend $1,000 or more in purchases on the Card within the first 3 months of Card Membership.
Blue Cash Preferred® Card from American Express 6% back* $300 statement credit Spend $3,000 in purchases on your new Card in your first 6 months.

† Eligible purchases at U.S. supermarkets on up to $25,000 in purchases per year. *Grocery rewards rate valid on the first $6,000 spent per calendar year at U.S. supermarkets.

American Express offers some of the best grocery rewards rewards credit cards on the market. While it offers many co-branded airline and hotel credit cards, its flagship credit cards provides some of the best value you can get at both supermarkets and gas stations. In fact, two of Amex’s flagship credit cards don’t charge an annual fee — that’s the Cash Magnet and the Blue Cash Everyday — and the annual fees for the other cards range from $95 to $550. Of course, you can get enough value from each card to make up for its annual fee.

Similar to the Citi Double Cash Card, American Express grocery store rewards credit cards don’t make you fuss with quarterly bonus categories. Instead Amex cards offer accelerated earnings on popular household spending categories like U.S. supermarkets and U.S. gas stations.

  • American Express Gold Card: Get 4X points per dollar spent at U.S. supermarkets (up to $25,000 in eligible purchases annually), 4X points at restaurants worldwide (including takeout and delivery), 3X points on flights booked directly with airlines or on amextravel.com and 1X points on all other purchases.
  • Cash Magnet: Get a flat rate 1.5% cash back on every purchase you make.
  • Blue Cash Everyday: Earn 3% cash back on the first $6,000 spent per calendar year at U.S. supermarkets (then 1%), 2% cash back at U.S. gas stations and select U.S. department stores and 1% back on other purchases.
  • Blue Cash Preferred: Get 6% cash back on the first $6,000 spent per calendar year at U.S. supermarkets (then 1%), unlimited 6% back on select U.S. streaming services, 3% back at U.S. gas stations and on transit and 1% back on other purchases.

Best Capital One Credit Cards for Buying Groceries

Card Grocery Store Rewards Sign-Up Bonus Bonus Eligibility
Capital One® Quicksilver® Card 1.5% back $200 Earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months from account opening.
Capital One® Savor® Rewards Card 3% back $300 Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
Capital One® SavorOne® Rewards Card 3% back $200 Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
Capital One® Venture® Rewards Card 2X miles 60,000 miles Earn a one-time bonus of 60,000 miles once you spend $3,000 on purchases in the first 3 months from account opening.

Best Wells Fargo Cards for Buying Groceries

Card Grocery Store Rewards Sign-Up Bonus Bonus Eligibility
Wells Fargo Cash Wise Visa® Card 1.5% back $150 Spend $500 in the first 3 months of account opening.
Wells Fargo Visa Signature® Card 5X points† None Not applicable
Wells Fargo Rewards ® Card 5X points† None Not applicable

† 5x rewards points earned for up to $12,500 spent combined on gas, grocery and drugstore purchases for the first 6 months.

Wells Fargo Cash Wise Visa is the issuer’s flagship cash-back card. It’s a flat-rate card that awards 1.5% rewards earning for all purchases, including spending at grocery stores and gas stations. Both are major spending categories for many U.S. households.

Regardless, the Cash Wise Visa Card earns less for eligible grocery store purchases than both the Wells Fargo Visa Signature and Wells Fargo Rewards cards. These no-fee rewards credit cards offer 5x rewards points earned for up to $12,500 spent on gas, grocery and drugstore purchases for the first 6 months and 1x points on other purchases. The main drawback to these rewards-earning cards is that points expire after five years.

All in all, Wells Fargo credit cards pack in a lot of value for cards without annual fees.

Methodology: How We Chose the Best Rewards Credit Cards

We chose our best rewards credit cards based on the total value they offer to cardholders through ongoing rewards, sign-up bonuses, 0% APR promotions and other perks. We also broke the cards down into clear categories that highlight features that credit card users are typically interested in — for example, premium travel vs. general travel, flat rewards vs. tiered rewards, and so on.

While some cards charge annual fees, we only picked ones that make it easy to make up for them with the value they provide. Before you apply, though, take some time to compare these cards with other top credit card offers to make sure you get the best fit for you.

Frequently Asked Questions About the Best Credit Cards to Buy Groceries

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What Is a Rewards Credit Card?

A rewards credit card is one that gives users incentives when they make qualifying purchases. Rewards vary by card issuer and a card user’s spending habits. Some cards reward you more for spending in specific categories. Many rewards credit cards offer cash back on select spending and come with a special sign-up bonus offer after users hit the stated spending limit.

How Cash-Back Rewards Work

Many cash rewards credit cards offer special rewards bonuses on specific types of purchases. These vary by card, so it is smart to look for one that will reward you the most for your spending habits. Cash-back cards offer rewards in three different ways:

  • Flat-rate
  • Tiered
  • Rotating

Flat-rate cards have a set rate, usually 1% or 1.5%. You earn this flat-rate on virtually all of your purchases, from groceries to gas to airline tickets. This type of credit card earning simplifies the process, but it also leaves a lot of rewards on the table when compared to other cards.

Tiered rewards cards like the Blue Cash Everyday Card offer both a flat-rate spending rate of 1% or 1.5% on some categories and a higher reward rate for select categories, such as 2% back on dining or 4% back on gas purchases. These cards are extremely beneficial for maximizing certain areas of your spending, like regular purchases from grocery stores and wholesale clubs. One downside with these cards is that if you apply for a card that offers higher cash back in a category you don’t spend a lot of money in, such as travel, you aren’t going to see a huge difference over a flat-rate reward card.

Rotating credit cards offer rotating bonus percentage on specific categories during specific times of the year. These cards usually come with a standard 1% rewards rate and a 5% reward rate on the quarter’s special category. This could look like 5% back on gas January through March and then 5% back on groceries April through June. These rewards are also capped at a certain purchase amount, such as $1,500.

How to Redeem Cash-Back Rewards

Cash back gives card users the most flexibility and most cards offer this option. Of course, if a point- or mile-based card offers the chance for you to trade in your points and miles for cash, you will probably see a lower monetary value over using the points and miles towards travel. Card issuers make it easy to get your cash-back rewards.

Here are a few options they allow:

  • Statement credit
  • Cash transfer directly into your bank account
  • In some cases, a check mailed to your home (this might require special contact or an additional fee)
  • The ability to use your cash reward on popular retailers, like Amazon, once you link your card
  • Redeeming cash back for deals on gift cards

road trip through utah
Credit: Twenty20

How Travel Rewards Work

With a travel rewards credit card, you’ll earn points or miles with every purchase, which can then be redeemed for your future travel plans. General travel cards will earn points or miles back on virtually every purchase, regardless of the airline or hotel chain.

Co-branded travel cards, the ones that align with a specific airline or hotel, will reward users with more points for loyalty spending. This is beneficial if you are loyal to one airline or hotel chain or if you want to reap the additional benefits these co-branded cards bring, such as free checked bags or a free hotel stay on your card anniversary.

Travel reward cards are best for those who travel frequently because they will earn more points on trip expenditures and have an easier time redeeming earned points for their desired destinations. If you love the idea of using your points to travel more but don’t actually travel much yet, stick with a popular rewards card instead to rack up the points faster.

How To Redeem Travel Rewards

Many cards will allow you to redeem your travel rewards one of three ways:

  • Cash back/statement credit
  • Travel purchased through the card
  • Transfer points to partner hotel or airline

These three methods are what distinguish the card users who get a few hundred dollars back in cash each year with those who go on trips for free. If you request your travel rewards as cash, you aren’t going to see the best return on your points. Travel purchased through your card issuer’s portal can result in great travel deals, but take time to research the current transfer partners.

Some cards offer one-to-one transfers on travel partners, which means you can move all of your points over to an airline. Booking a flight directly through the airline using airline points could cost you fewer points than booking the same flight through your card’s travel booking site. Transferring points to partners is also a great way to pool together points.

How To Choose the Reward Card That Is Right for You

With so many different reward cards and travel rewards cards out there, how do you know which is right for you? The easiest way to know which card is best is to evaluate your spending.

Where do you spend the most money? Once you know where your money is going, you can choose a card that will reward you the most in that category of spending.

It is also a good idea to consider how much time you want to invest in your reward card. Do you want to keep up with rotating category bonuses and make sure you are getting the best flight deals for your points? Or would you rather something easier like a card that earns 1% cash back on every purchase?

There is no wrong answer, but you need to know these answers to understand which card will best benefit your lifestyle.

Reward Credit Card Risks

Earning rewards for spending money you were already going to spend — what could go wrong? While credit card perks are an amazing way to stretch your spending power, it is also easy to go overboard with buying.

If your reward credit card is going to put you into debt or, there is a good chance the interest paid on the debt will negate any rewards. This pressure to spend is multiplied when you are trying to meet a spending limit for a sign-up bonus.

Dropping $5,000 in three months on purchases you wouldn’t have made otherwise can create more financial stress. You might have earned $500 worth of free travel, but is it worth scrambling to pay off $5,000 of debt?

Consider if you are in a healthy place financial to complete sign-up bonuses before committing to a card.

What Is an Annual Fee?

An annual fee is a set charge that occurs yearly. For credit cards with annual fees, the charge is applied to your account as soon as you are approved. You will see that same charge on your card anniversary. If you do not pay the annual fee, you will start to pay interest on it.

Since your annual fee is applied to your charge account automatically, that will affect your credit card limit. For example, if you applied for a card with a $5,000 credit limit and the annual fee is $95, your new credit limit will be $4,905 until you pay your bill. Keep this in mind if you are hoping to use your new card for a big purchase right after signup.

Annual fees do not count for sign-up bonuses and they do not earn points or cash back.

Annual fees vary by card, with most fees starting at $95. Some cards, like the Chase Sapphire Reserve, charge a larger annual fee, but the card also comes with more rewards like an annual travel credit. The Citi Double Cash Card does not charge an annual fee.

Once you open a rewards credit card, and you’re comfortable managing it, it’s smart to become familiar with credit card bonus categories. Some cards offer higher rewards when you spend money on specific types of purchases. For example, the Chase Sapphire Reserve® Card gives you 3X points when you use the card to pay for dining or travel.

Tips to Improve Credit Scores

If you don’t have a strong credit score, you may be wondering what your chances are of getting approved for a card. Unfortunately, it’s difficult to say because credit card issuers don’t disclose their eligibility criteria publicly. However, here are some tips for improving your chances of getting your next credit card.

  • Improve your credit score: If your credit score isn’t in great shape, consider working on improving it before you apply for a new account. Check your credit report to see which areas need work and address them as quickly as possible.
  • Apply within your credit range: Rewards credit cards are appealing, but most of them require good or excellent credit (that’s a FICO credit score of 670 or higher). If your credit score isn’t quite there yet, focus on cards that market to people who are working on building their credit.
  • Don’t give up: If you’ve had a credit card application declined recently, it can be easy to take it personally or get discouraged. In some cases, you may be able to call and ask them to reconsider. If they won’t, just because one card issuer denied you, it doesn’t mean all of them will. While it’s best to avoid applying for multiple credit cards in a short period, don’t be afraid to apply again in the future.

As you follow these steps and consider these tips to improve your credit score, you’ll be in a better position to apply for and get the credit card you want to have.

What Is a Balance Transfer?

Unlike travel cards like the Chase Sapphire Preferred and the Chase Sapphire Reserve, a balance transfer card is a credit card specifically focused on encouraging consumers to move their debt. A balance transfer card usually offers a 0% APR for a limited period of time to attract borrowers who are tired of a high interest rate. In many cases, it’s possible to find a balance transfer card that will offer 0% APR on credit card balances for 12, 15, 18 or 21 months.

Generally, your new card issuer pays off your debt with the other creditor and you make payments to your new creditor instead.

What Is a Balance Transfer Fee?

Many credit card issuers charge a fee to handle the process of moving your debt from your old creditor to the new card. It’s common for balance transfer fees to be between 3% and 5% of the amount you transfer. Some creditors might also impose a minimum fee of $5 or $10. This fee is typically added to your credit card balance.

For example, if you transfer $2,000 to your new card, and the balance transfer fee is 5%, you’ll end up paying $100 to move the money. That amount is added to your balance, making it $2,100. However, the interest savings from moving your money could easily make up for your balance transfer fee.

>>EARN: Best Bank Bonuses for New Checking and Savings Accounts

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Eric Rosenberg
Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in depth experience writing about banking, credit cards, investing, business, and other financial topics. When away from the keyboard, Eric enjoys exploring the world and spending time with his wife and little girls. You can connect with him at Personal Profitability or EricRosenberg.com.