Best Credit Cards For Supermarkets And Grocery Stores

Grocery shopping can be one of the most expensive parts of running a household. However, grocery stores and supermarkets are also a great place to stock up on third-party gift cards. More often than not, there are special deals and discounts on these cards, which can be very lucrative if you use the right credit card.

You should always aim to earn at least 2% cash back on all the purchases you make with a credit card. But you can get as much as 6% in cash back for purchases at supermarkets, if you have one of the best credit cards mentioned below. Additionally, you should keep an eye out for special spending offers and limited-time promotions from credit card issuers. This can be a great way to save even more money on your grocery shopping.

• Also see the best credit cards for:
  • Travel Purchases
  • Drugstore/Pharmacy Purchases
  • Restaurants
  • Gas Stations
  • Cell Phone Protection

I’ll start with the cards that give you the highest rates and are widely available, and work my way down from there. I’ll value all points at 1 cent per points to make the ranking easier, but for same rates, I’ll rank Chase Ultimate Rewards cards first, then American Express Membership Rewards cards next, and ThankYou points last. So let’s get into the list of best credit cards for supermarkets and grocery stores.

Blue Cash Preferred® Card from American Express

• 6% Cash Back at U.S. supermarkets up to $6,000 per year in purchases (then 1%)
• $95 Annual Fee
• LEARN MORE

Amex Old Blue Cash

• Earn 1% at U.S. supermarkets, gas stations & drugstores for first $6,500 in purchases in a reward year, and 5% after that, up to $50,000 per year in purchases.
• No Annual Fee
• You can still apply for this card, but it doesn’t come with a welcome bonus
• Read more about the card

American Express Gold Card

• Earn 4X Membership Rewards points at U.S. Supermarkets (on up to $25,000 in purchases annually)
• $250 Annual Fee
• LEARN MORE

Chase Sapphire Preferred

• Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
• $95 Annual Fee
• LEARN MORE

Amex EveryDay Preferred

• 3X at supermarkets on up to $6,000 per year in purchases, plus 50% bonus (makes it 4.5X) with 30 or more purchases with your Card in a billing period
• $95 Annual Fee
• LEARN MORE

Amex Blue Cash Everyday

• 3% Cash Back at U.S. supermarkets up to $6,000 per year in purchases (then 1%)
• No Annual Fee
• LEARN MORE

Huntington Bank Voice Business Card

• 4% back up to $7K quarterly at Grocery stores, Gas Stations, Office Supply Stores etc
• No Annual Fee
• No welcome bonus and available in branch only in OH, MI, IN, PA, KY, WV, IL & WI
• Read more about the card

Capital One SavorOne® Cash Rewards

• Earn 3% cashback on groceries, dining and more
• No Annual Fee
• LEARN MORE

Capital One Savor® Cash Rewards

• Earn 3% cashback at grocery stores
• $95 Annual Fee
• LEARN MORE

Santander Bravo

• 3X rewards points on supermarket, gas station, and restaurants
• $49 Annual Fee (waived first year or with Select/Premier Plus checking account)
• Rewards are values at 1cpp. 3X rate is capped at $5K spending.
• Read more about the card

UMB Simply Rewards

• 3% at Grocery stores, Gas stations, Discount stores, Restaurants
• No Annual Fee
• $200 welcome bonus and could be limited based on your location
• Read more about the card

Other 2% Cards

• Check out the full list of credit cards that earn 2X miles/points or 2% cash back on all purchases.

Cards with 5% Rotating Categories

Some cards also have specific 5% categories each quarter or each month. Grocery stores and supermarkets usually appears a few times every year, so it’s a good idea to keep an eye out if you have these cards, and maximize the spending when possible.

Card	How 5x Works	Activate
Chase Freedom Flex	5X Ultimate Rewards on $1,500 per quarter	Activate	LEARN MORE
Chase Freedom	5X Ultimate Rewards on $1,500 per quarter	Activate	No longer available
Discover it	5% cashback on $1,500 per quarter	Activate	LEARN MORE
Citi Dividend	5% on up to $6,000 spend the whole year, can be earned in any quarter	N/A	No longer available
Citi Custom Cash	5% on your top eligible spend category each month, up to $500	N/A	LEARN MORE
US Bank Cash+	5% cashback on $2,000 per quarter	Activate	LEARN MORE
Vantage West Card	5% on $1,500 per quarter	N/A	LEARN MORE

Guru’s Wrap-up

You should always maximize your credit card rewards in every category. But grocery stores are a popular category so you have several great options to earn up to 6X for your purchases. 

Please let me know if there are any other cards that you think should be included in this list of Best Credit Cards For Supermarkets, especially if they’re widely available. Also, share your opinions on which card you would consider as the best overall.

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