For many people, groceries are one of their main monthly or even weekly expenses. If that’s the case, you might as well be earning points and miles for it, right, or at least a little cash back?
When you look for a good credit card for your grocery store spending, you want to look for a card that gives you rewards not just on groceries (though that obviously plays a role), but that will benefit you elsewhere as well. Are you getting a good sign-up bonus? Are the other earning categories places where you spend money often? What’s the annual fee like and is it worth it?
Here are the best credit cards to use for your supermarket and grocery expenses, to earn rewards in 2019.
1. Blue Cash Preferred from American Express
This card really delivers when it comes to cash back on your groceries, if you’re in the right demographic (learn more). It gives you 6 percent cash back at U.S. supermarkets on up to $6,000 per year.
If you’re someone who spends less than $6,000 per year — say you’re a single person or a couple — then you should be good to go and rake in all those earnings. However, if you’re a family, you’ll likely exceed the spending limit for the year, so just keep that in mind.
Another thing to consider with this card is that you do have to spend at American Express-approved vendors. No Wal-Mart or Target. It’s just for specifically supermarkets only.
In addition to the 6 percent cash back at supermarkets, you also earn 3 percent cash back at gas stations and department stores, and 1 percent cash back on everything else.
The welcome bonus is a $250 statement credit if you spend $1,000 in the first three months.
2. Capital One Savor
If you’re looking for a card that allows you to earn on grocery purchases, with no limits, then the Capital One Savor card is worth your consideration.
With this card, you can earn an unlimited number of rewards — 2 percent on all your grocery purchases. Additionally, you’ll get 3 percent on dining and 1 percent on all other purchases.
The welcome bonus is a one-time $500 cash bonus after you spend $3,000 in the first three months.
While this card doesn’t allow you to earn 6 percent cash back, which is a pretty hefty reward, if you spend more than $6,000 per year, maybe it’s worth looking into getting both cards. Then, you could get your 6 percent cash back up to $6,000; after you pass that spending limit, you can switch to the Capital One Savor card, which you can use meanwhile for all your dining.
3. Blue Cash Everyday Card from American Express
If you balk at the Blue Cash Preferred Card’s $95 annual fee (read more), then maybe consider the card’s little sister — the Blue Cash Everyday Card (learn more).
It comes without the annual fee, but you do only get 3 percent cash back, rather than 6 percent. however, it could be worth it to you, to avoid the annual fee. In addition, you get 2 percent cash back at gas stations and department stores.
The welcome bonus is a $150 statement credit after you spend $1,000 on purchases.
4. Discover It Card
The Discover It card doesn’t offer you an across-the-board percentage on groceries, but it does offer 5 percent on quarterly categories, and those categories frequently include grocery stores, in addition to gas stations, restaurants and online retailers. Beyond the quarterly categories, you get 1 percent cash back everywhere else. Additionally, after your first year as a cardholder, you’ll get a match of the cash back you’ve earned, for double cash back!
There’s no annual fee.
5. Capital One Venture Rewards Credit Card
Another card that isn’t specifically for groceries, the Capital One Venture Rewards credit card still can give you big travel benefits if you use it at the grocery store (read more). You get 2X miles on every single purchase, every day. Plus, there’s a nice early spend bonus of 50,000 miles once you spend $3,000 on purchases within three months.
The annual fee is $95, but it’s waived the first year.