Is the [card_name pid=52145] a good credit card to buy groceries?

The [card_name pid=52145] is considered to be more of a travel rewards card. However, it does offer rewards for online grocery purchases, but not in-store grocery purchases. It earns [card_rewards_description_editorial pid=52145]. The card has a sizable welcome bonus if you meet the offer's spending requirements. Plus, rewards are worth 25% more when redeemed for travel through Chase Ultimate Rewards.

Best credit cards for groceries of November 2023

Kevin Payne

BLUEPRINT

Published 6:20 a.m. UTC Nov. 16, 2023

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy.

Groceries can gobble up the budget of many households and the best credit cards for grocery shopping will reward you on your spending. Whether you shop yourself or use a delivery service, these types of cards can serve up savings and often feature other cardholder benefits, like new cardholder bonuses and purchase protections.

We analyzed a broad swath of credit cards in this category from a variety of issuers to curate a list of the very best. Here are our selections.

Blue Cash Preferred® Card from American Express
: Best credit card for groceries at U.S. supermarkets
Amex EveryDay® Preferred Credit Card *

The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

: Best grocery credit card for everyday use
U.S. Bank Shopper Cash Rewards® Visa Signature® Card *

The information for the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

: Best grocery credit card for customized rewards
Capital One Walmart Rewards® Card *

The information for the Capital One Walmart Rewards® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

: Best grocery credit card for Walmart shoppers
Chase Freedom Flex℠ *

The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

: Best grocery credit card for a welcome bonus
Prime Visa *

The information for the Prime Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

: Best grocery card for Whole Foods and Amazon Fresh purchases
Instacart Mastercard® *

The information for the Instacart Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

: Best grocery card for grocery delivery
Methodology
What makes a credit card great for groceries?
Choosing the best credit card for groceries
Tips for maximizing your rewards while grocery shopping
Frequently asked questions (FAQs)

Best credit card for groceries at U.S. supermarkets

Blue Cash Preferred® Card from American Express

Partner Offer

BLUEPRINT RATING

Rates & Fees / Terms Apply

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On American Express’s Secure Website

BLUEPRINT RATING

Earn 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%); Earn 6% cash back on select U.S. streaming subscriptions; Earn 3% cash back on transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more) and at U.S. gas stations; Earn 1% cash back on other eligible purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Editor’s Take

Pros

Earns generous cash back in numerous categories.
Intro APR periods on purchases and balance transfers.
Generous welcome bonus.

Cons

Ongoing annual fee.
Annual spending cap on elevated earnings at U.S. supermarkets.
Redemptions are only in the form of statement credits.

The Blue Cash Preferred Card offers one of the highest cash-back rates for groceries at U.S. supermarkets you’ll find (subject to an annual spending cap). You’ll strong rewards rates on select streaming services, at U.S. gas stations and on other transit purchases. Heavy spenders can easily recoup the card’s annual fee.

Card Details

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
Terms Apply.

Best grocery credit card for everyday use

Amex EveryDay® Preferred Credit Card

BLUEPRINT RATING

Earn 3X Membership Rewards® points at US supermarkets on up to $6,000 per year in purchases (then 1X); Earn 2X points at US gas stations; Earn 1 point for every $1 spent elsewhere

Editor’s Take

Pros

Earn 50% more points when you use the card to make 30 purchases a month.
Bonus rewards on gas and groceries.
Decent welcome bonus.

Cons

No travel perks.
Spending cap for elevated rewards.
$95 annual fee.

The Amex EveryDay Preferred is a step up from the Amex EveryDay Card while still keeping its annual fee low. The card offers a strong rewards rate on groceries and frequent card users can bump up their rewards rate if they make 30 or more purchases in a billing cycle.

Card Details

Annual fee: $95.
Rewards: 3 points per $1 at U.S. supermarkets, on up to $6,000 per year in purchases (then 1 point), 2 points per $1 on U.S. gas stations and travel purchases booked through AmexTravel.com and 1 point per $1 on other eligible purchases.
APR: 0% intro APR on purchases and balance transfers requested within 60 days of opening the account for the first 12 months, followed by a regular APR of 18.24% to 28.24% variable. A balance transfer fee of either $5 or 3% of each transfer, whichever is greater applies.
Perks and benefits: Earn 50% bonus points when you use your card 30 times in a month and transfer points to partners.

Best grocery credit card for customized rewards

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

BLUEPRINT RATING

Earn 6% cash back each quarter on combined eligible purchases from two retailers of choice ($1,500 limit); Earn 3% cash back each quarter in one everyday category of choice ($1,500 limit); Earn 1.5% cash back on everything else; Plus, earn 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center

Editor’s Take

Pros

6% cash back often beats what several retailer’s own co-branded credit cards earn.
Wide selection of merchants to choose from for the 6% categories.
The annual fee is waived your first year with the card.

Cons

After the first year, $95 annual fee.
Quarterly caps on 6% and 3% cash-back earnings.
No intro APR period.

The U.S. Bank Shopper Cash Rewards Card is a rewards powerhouse. It lets you choose two retailers from a long list of popular names to earn those big rewards, including companies like as Amazon.com, Chewy.com and Walmart.

Card Details

Annual fee: $0 intro annual fee for the first year, then $95.
Rewards: 6% cash back each quarter on combined purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else.
Welcome bonus: $250 bonus after spending $2,000 in eligible purchases in the first 120 days of account opening.
APR: 19.74% to 29.74% variable APR on purchases and balance transfers. A balance transfer fee of either 3% of each transfer or $5 minimum, whichever is greater, applies.
Foreign transaction fees: 3% of each foreign transaction.
Perks and benefits: Visa Signature Concierge, purchase security, return protection and extended warranty.

Best grocery credit card for Walmart shoppers

Capital One Walmart Rewards® Card

BLUEPRINT RATING

Earn 5% back on Walmart.com & in the Walmart app, including Grocery Pickup and Delivery; Earn 2% back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA Fuel Stations; Earn 1% back everywhere else Mastercard® is accepted

Editor’s Take

Pros

No annual fee.
High reward potential for purchases at Walmart.
No foreign transaction fees.

Cons

Requires good to excellent credit.
Low reward potential outside of bonus categories.

The Capital One Walmart Rewards® Card offers excellent rewards for those who shop regularly at Walmart, especially online. But after the first-year welcome offer, in-store rewards are just-ok.

Card Details

Annual fee: $0.
Rewards: 5% cash back on Walmart.com & in the Walmart app, 2% cash back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA fuel stations and 1% cash back everywhere else.
Welcome bonus: 5% cash back at Walmart stores for the first 12 months when using the card with Walmart Pay.
APR: 18.99% or 29.99% variable APR on purchases and balance transfers.
Foreign transaction fees: $0.
Perks and benefits: Rewards don’t expire as long as your card account is open, the issuer offers a pre-approval tool.

Best grocery credit card for a welcome bonus

Chase Freedom Flex℠

BLUEPRINT RATING

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores and 1% on all other purchases.

Editor’s Take

Pros

Generous cash-back potential if you maximize rotating categories.
Can pool rewards with a premium Ultimate Rewards®-earning card.
Low intro APR periods on purchases and balance transfers.

Cons

Rotating categories must be activated quarterly.
Not all rotating categories will be a good fit for every cardholder.
Takes work to track the various rewards categories.

The Chase Freedom Flex charges no annual fee, earns cash back in a wide variety of categories and offers a generous welcome bonus. It also comes with low intro APR periods on purchases and balance transfers. Last, but not least, Chase lets you redeem rewards in a variety of ways — including transferring them to a premium Ultimate Rewards®-earning card and enjoying 25% to 50% more value for travel bookings via Chase’s portal.

Card Details

Annual fee: $0.
Rewards: 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores and 1% cash back on all other purchases.
Welcome bonus: Earn a $200 bonus after spending $500 on purchases in the first three months of account opening.
APR: 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. There is an intro balance transfer fee of either $5 or 3% of each transfer, whichever is greater, in the first 60 days. Then the fee is the greater of $5 or 5% of each transfer.
Perks and benefits: Cellphone protection of up to $800 per claim with a $50 deductible, trip cancellation and interruption insurance, auto rental collision damage waiver, travel and emergency services, purchase protection and extended warranty.

Best grocery card for Whole Foods and Amazon Fresh purchases

Prime Visa

BLUEPRINT RATING

Earn 5% Back at Amazon.com, Amazon Fresh and Whole Foods Market with an eligible Prime membership, 5% back on travel booked through Chase, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.

Editor’s Take

Pros

Generous rewards rate on Amazon purchases.
No minimum redemption for cash back.
Doesn’t charge an annual fee or foreign transaction fee.

Cons

Requires an Amazon Prime membership.
Rewards are just OK for purchases outside Amazon and Whole Foods.
Welcome bonus is low compared to some competing cards.

If packages from Amazon.com flow to your door faster than the Amazon River itself moves, this might be the right rewards credit card for you. It does require a Prime membership, but for those who are already avid Prime shoppers, this card’s generous cash-back program makes it worth adding to your wallet.

Card Details

Annual fee: $0 with Prime membership.
Rewards: 5% back at Amazon.com, Amazon Fresh and Whole Foods Market with an eligible Prime membership, 5% back on travel booked through Chase, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.
Welcome bonus: $200 Amazon gift card for Prime members upon approval.
APR: This card does not offer traditional 0% intro APR periods. However, cardholders may be eligible to choose a 0% APR period where they make equal monthly payments ranging from six to 18 months on qualifying purchases of $50 or more. After that a variable APR of 19.49% to 27.49% applies. A balance transfer fee of either $5 or 4% of each transfer, whichever is greater, applies.
Foreign transaction fees: None.
Perks and benefits: Visa Signature Concierge, extended warranty, purchase protection, baggage delay insurance, lost luggage reimbursement, travel accident insurance and the option for promotional financing (without rewards) on purchases of $50 or more.

Best grocery card for grocery delivery

Instacart Mastercard®

BLUEPRINT RATING

Earn 5% cash back on Instacart app and Instacart.com purchases; earn 5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more; earn 2% cash back at restaurants, gas stations and on select streaming services; earn 1% cash back on all other purchases.

Card Details

Annual fee: $0.
Rewards: 5% cash back on the Instacart app, Instacart.com and travel purchased through the Chase Travel Center, 2% cash back at restaurants, gas stations and on select streaming services and 1% cash back on all other purchases.
Welcome bonus: Earn $100 Instacart credit plus 1 free year of Instacart+.
APR: 20.24% to 28.99% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies.
Foreign transaction fee: $0.

Credit Card

Credit score

Best For

Annual Fee

Welcome Bonus

Blue Cash Preferred® Card from American Express

Good, Excellent (700 – 749)

Best credit card for groceries at U.S. supermarkets

$0 intro annual fee for the first year, then $95

Earn $250

Amex EveryDay® Preferred Credit Card

Good, Excellent (700 – 749)

Best grocery credit card for everyday use

$95

Earn 15,000 points

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Good, Excellent (700 – 749)

Best grocery credit card for customized rewards

$0 intro annual fee for the first year, then $95

$250

Capital One Walmart Rewards® Card

Fair (650 – 699)

Best grocery credit card for Walmart shoppers

5% cash back for the first 12 months

Chase Freedom Flex℠

Good, Excellent (700 – 749)

Best grocery credit card for a welcome bonus

$200 bonus

Prime Visa

Good, Excellent (700 – 749)

Best grocery card for Whole Foods and Amazon Fresh purchases

$0 with Prime membership

$200 Amazon gift card

Instacart Mastercard®

Good, Excellent (700 – 749)

Best grocery card for grocery delivery

Instacart credit + 1 free year of Instacart+

Best credit cards for groceries of November 2023

Best credit card for groceries at U.S. supermarkets: Blue Cash Preferred® Card from American Express

Why this card made the list

The Blue Cash Preferred® Card from American Express (terms apply, rates & fees) earns one of the highest rewards rates you’ll see for grocery purchases at U.S. supermarkets. Although American Express caps the U.S. supermarkets’ rewards bonus at $6,000 annually, it’s still a significant value, especially for a card with a $0 intro annual fee for the first year, then $95.

The card is also one of the best credit cards for spending at U.S. gas stations and supermarkets, offering high rewards in those areas, plus transit and select U.S. streaming subscriptions. Blue Cash Preferred also comes with annual statement credits and travel protections for added value to cardholders who can use them.

Annual fee: $0 intro annual fee for the first year, then $95.
Rewards: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Welcome bonus: $250 statement credit after spending $3,000 in purchases in the first six months of card membership.
Foreign transaction fees: 2.7% of each transaction after conversion to US dollars.

Best grocery credit card for everyday use: Amex EveryDay® Preferred Credit Card

Why this card made the list

The Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) earns Membership Rewards® points at U.S. supermarkets and on other spending, which savvy points and milers know carry a premium value when you redeem them for flights booked through American Express Travel.

The card’s secret sauce is in everyday use. If you use the card 30 or more times in a billing period, you will earn 50% extra points on those purchases (terms apply). There is also a 0% intro APR on purchases and balance transfers requested within 60 days of opening the account for the first 12 months, followed by a regular APR of 18.24% to 28.24% variable. A balance transfer fee of either $5 or 3% of each transfer, whichever is greater applies.

Annual fee: $95.
Rewards: 3 points per $1 at U.S. supermarkets, on up to $6,000 per year in purchases (then 1 point), 2 points per $1 on U.S. gas stations and travel purchases booked through AmexTravel.com and 1 point per $1 on other eligible purchases.
Welcome bonus: 15,000 Membership Rewards points after spending $2,000 in purchases in the first six months of card membership.
Foreign transaction fees: 2.7% of each transaction after conversion to US dollars.

Best grocery credit card for customized rewards: U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Why this card made the list

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card * The information for the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns high rewards on groceries at stores that typically are excluded. This makes the card ideal for someone who does their grocery shopping at stores like Amazon.com, Target and Walmart.

Annual fee: $0 intro annual fee for the first year, then $95.
Rewards: 6% cash back each quarter on combined purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else.
Welcome bonus: $250 bonus after spending $2,000 in eligible purchases in the first 120 days of account opening.
Foreign transaction fees: 3% of each foreign transaction.

Best grocery credit card for Walmart shoppers: Capital One Walmart Rewards® Card

Why this card made the list

The Capital One Walmart Rewards® Card * The information for the Capital One Walmart Rewards® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns a highly competitive cash-back rate on Walmart.com purchases, including pickup and delivery. It also offers bonus cash back for in-store purchases along with restaurants and travel. Plus, you can qualify for 5% cash back at Walmart stores for the first 12 months when using the card with Walmart Pay.

Annual fee: $0.
Rewards: 5% cash back on Walmart.com & in the Walmart app, 2% cash back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA fuel stations and 1% cash back everywhere else.
Welcome bonus: 5% cash back at Walmart stores for the first 12 months when using the card with Walmart Pay.
Foreign transaction fees: $0.

Best grocery credit card for a welcome bonus: Chase Freedom Flex℠

Why this card made the list

One of the quickest ways to maximize the value of a rewards credit card is to earn welcome bonus offers. The Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers an easy-to-earn $200 bonus after spending $500 on purchases in the first three months of account opening, which can help foot the bill next time you stock up at the supermarket.

In addition, the Chase Freedom Flex offers a 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. There is an intro balance transfer fee of either $5 or 3% of each transfer, whichever is greater, in the first 60 days. Then the fee is the greater of $5 or 5% of each transfer — helpful to anyone seeking extra time to pay down a big buy, like cooking for a crowd for the holidays or planning to entertain for the Super Bowl.

Annual fee: $0.
Rewards: 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores and 1% cash back on all other purchases.
Welcome bonus: $200 bonus after spending $500 on purchases in the first three months of account opening.
Foreign transaction fees: 3% of each transaction in U.S. dollars.

Best grocery card for Whole Foods and Amazon Fresh purchases: Prime Visa

Why this card made the list

The Prime Visa * The information for the Prime Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns bonus rewards for Prime members on Amazon.com purchases, but also in-store and online purchases at Whole Foods and Amazon Fresh. You’ll also receive a $200 Amazon gift card for Prime members upon approval, perfect for saving money on your next Amazon or Whole Foods grocery order.

What helps the Prime Visa stand apart is its extensive list of travel benefits, which is unusual for a grocery credit card. Cardholders who use the card for travel purchases can qualify for a slew of protections, including baggage delay insurance, lost luggage reimbursement, travel accident insurance and more.

Annual fee: $0 with Prime membership.
Rewards: 5% back at Amazon.com, Amazon Fresh and Whole Foods Market with an eligible Prime membership, 5% back on travel booked through Chase, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.
Welcome bonus: $200 Amazon gift card for Prime members upon approval.
Foreign transaction fees: None.

Best grocery card for grocery delivery: Instacart Mastercard®

Why this card made the list

If you frequently use Instacart for grocery orders and deliveries, the Instacart Mastercard® * The information for the Instacart Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is worth a serious look. The card earns high cash-back rewards rates on Instacart orders plus several common spending categories. If you’re approved for the card, you instantly receive a $100 Instacart credit plus 1 free year of Instacart+. Instacart+ comes with perks like free unlimited deliveries on orders over $35 and service fee discounts.

Annual fee: $0.
Rewards: 5% cash back on the Instacart app, Instacart.com and travel purchased through the Chase Travel Center, 2% cash back at restaurants, gas stations and on select streaming services and 1% cash back on all other purchases.
Welcome bonus: $100 Instacart credit plus 1 free year of Instacart+.
Foreign transaction fees: $0.

Methodology

Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered included:

The rewards rate on groceries.
Any annual fees.
Rewards rate on warehouse clubs and discounters where groceries can be purchased.
Any grocery-specific perks that come with the card.
The utility of the card outside of just grocery spending.

What makes a credit card great for groceries?

Food purchases are a staple of most individual and family budgets, so getting a grocery credit card could help you take advantage of bonus rewards on food spending to help you save some money.

The best credit card for groceries for you is the one that earns rewards where you shop the most. Some cards earn rewards for general grocery shopping. These types of cards typically exclude large retailers like Walmart or Target and wholesale clubs, however, there are grocery cards that specifically target spending at those retailers.

Some credit cards earn store-specific rewards and benefits. Often, these are co-branded cards offered through a partnership between the retailer and a card issuer. If you do most of your shopping at one grocery store chain or wholesale club, getting a store-branded credit card may maximize your earning potential on grocery purchases. Often, these cards limit reward redemptions to within the store.

Choosing the best credit card for groceries

To find the best credit card for groceries, determine where you spend the most money on groceries and look for cards that offer high rewards rates at those stores or types of stores. Consider other high areas of spending in your budget that may also align well with a particular card’s rewards program.

Beyond rewards, consider other benefits offered with a card. Grocery credit cards aren’t generally known for luxury benefits, but may include useful perks that provide extra value.

The best card also depends on whether or not you want to avoid paying an annual fee for access to rewards and benefits. Some cards charge an annual fee, which can be worth it, especially if the card earns lucrative rewards or offers benefits you’re likely to use. Always weigh the cost of a card’s annual fee versus how much you’ll benefit from having the card to ensure it’s worth the added expense.

Tips for maximizing your rewards while grocery shopping

Aim to meet any spending requirements to earn a grocery card’s welcome bonus if it comes with one. Welcome bonuses are one of the best ways to quickly bolster your rewards balance. Use your card each time you grocery shop in-store or online to earn the most rewards points or cash back.

If the card has monthly or quarterly limits on grocery spending, you’ll probably earn a lower rewards rate on grocery purchases after you reach the spending limit. You may want to pair it with an everyday spending card so you continue to earn bonus rewards, especially if you typically hit the limit each period.

Pay off your credit card on time and in full every month, or you’ll pay interest on your balance, which will lessen the value of your rewards.

Frequently asked questions (FAQs)

Using a rewards credit card for any purchase, including groceries, can put some money back into your wallet provided you use your card responsibly and pay off your balance on time each month. Consider which grocery stores you shop at the most to determine the best card for your needs.

Grocery credit cards are worth it if food shopping makes up a considerable part of your monthly spending. If you eat out a lot instead, you may want to consider a credit card that rewards you for restaurant purchases. If your spending habits are varied, consider an everyday spending credit card that earns flat-rate rewards.

You can improve your credit by using a credit card responsibly, whether it’s for groceries or other card purchases. Building credit starts by using only a portion of your available credit line instead of maxing out your card. Then, make on-time payments each month to build a positive payment history. Paying your balance in full each month helps you build credit and avoid interest charges.

The Chase Sapphire Preferred® Card is considered to be more of a travel rewards card. However, it does offer rewards for online grocery purchases, but not in-store grocery purchases. It earns 5 points per $1 on travel purchased through Chase Ultimate Rewards®, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases. The card has a sizable welcome bonus if you meet the offer’s spending requirements. Plus, rewards are worth 25% more when redeemed for travel through Chase Ultimate Rewards.

^{For rates and fees for the Blue Cash Preferred® Card from American Express please visit this page.}

*The information for the Amex EveryDay® Preferred Credit Card, Capital One Walmart Rewards® Card, Chase Freedom Flex℠, Instacart Mastercard®, Prime Visa and U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Kevin Payne

BLUEPRINT

Kevin Payne is a personal finance and travel writer who covers credit cards, banking, and other personal finance topics. In addition to Forbes, his work has been featured by Bankrate, Fox Business, Slick Deals, and more. He is the budgeting and family travel enthusiast behind Family Money Adventure. Kevin lives in Cleveland, Ohio with his wife and four kids.

Julie Sherrier

BLUEPRINT

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Robin Saks Frankel

BLUEPRINT

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.