The price of food rarely goes down, but that doesn't mean we enjoy eating any less. From classics like Sunday roasts and gourmet burgers to Asian cooking, Americans enjoy a great variety of food. Supermarkets are stocked with ingredients and prepared food to match. But all of this culinary pleasure comes with a (sometimes high) price tag.
GET.com's best grocery cards
|Best For||Credit Card|
|6% cash back||Blue Cash Preferred® Card from American Express|
|Cash back twice||Citi® Double Cash Card|
|Flat-rate cash back||Chase Freedom Unlimited℠|
|Points||Citi® Hilton HHonors™ Visa Signature® Card|
According to official USDA food plans for May 2015, a 30-year old American man needs to spend a at least $241.60 monthly to put a minimal amount of food on his table ($374.10 to eat well). American women need slightly less at $209.50 monthly ($330.30 to eat well). If you have a family of 4, you can expect to cough up a minimum or $720 to put food on the table (up to a liberal $1,292 to eat well).
In every case, a credit card that rewards you for supermarket purchases can help you get more for your money. Supermarket credit cards let you earn cash back or reward points when you shop at supermarkets.
Blue Cash Preferred® Card from American Express, a GET.com advertiser, is a good example of a card that lets you earn cash back on supermarket shopping. This card lets you earn 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets (terms and limitations apply).
Although I would recommend cash back cards because cash is the most flexible kind of reward, there are also cards that let you earn other points on your supermarket purchases.
Here is our pick of best-rated credit cards for supermarket shopping in the US:
Chase Freedom® lets you earn 5% cash back on up to $1,500 in combined purchases in 5% categories that change every 3 months (like restaurants, select grocery stores, gas stations and wholesale clubs) each quarter when you activate 5%. You earn unlimited 1% cash back on other purchases charged to this card. From Jan 1 to March 31 - Gas stations and local commuter transportation, including subways, taxis and local commuter buses and trains (not including parking, tolls and Amtrak® purchases). After you reach the 5% limit of $1,500 for the quarter, you will still earn 1% on additional shopping at department stores, wholesale clubs and drugstores. In short, you can save a lot (up to $75 during this quarter just with the 5%) by using this card to pay. It has no annual fee and after opening your account you enjoy 0% intro APR for 15 months for purchases and balance transfers, followed by 15.49% - 24.24% variable APR. Plus, you earn a $150 Bonus after charging $500 of purchases to your new account in your first 3 months from account opening.
Blue Cash Preferred® Card from American Express lets you earn 6% cash back on up to $6,000 in purchases you make at U.S. supermarkets per year (1% after that cap). If you like doing your grocery shopping at department stores, you will be glad to know that you can earn 3% cash back at select U.S. department stores. On top of that, you will also earn 3% cash back on gas at U.S. gas stations. You earn 1% cash back on other purchases. As a limited time offer when you apply by 5/3/17 you can earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. You earn this cash back as Reward Dollars which you can redeem as a statement credit. Terms and limitations apply.
This card lets you earn $150 after you spend $1,000 in purchases (as a statement credit): Earn $150 after you spend $1,000 in purchases with your new Card in the first 3 months after opening your account. Shopping benefits include purchase protection and return protection. This card has a $95 annual fee. Terms apply.
Blue Cash Everyday® Card from American Express, a GET.com advertiser, is another rewarding card for grocery shopping. You will earn 3% cash back on up to $6,000 per year in purchases at U.S. supermarkets. You also earn 2% cash back at U.S. gas stations, and 1% cash back for other purchases you charge to this card. As a limited time offer you can also earn 10% cash back on purchases made at U.S. Restaurants in the first 6 months, you must apply by 5/3/17 for this offer to be valid. Terms and limitations apply. You receive cash back as Reward Dollars which you can redeem as a statement credit.
Two of the best things about this card is that it has no annual fee and it comes with a bonus offer: Earn $100 back as a statement credit after you spend $1,000 in purchases on your new Card in your first 3 months. Terms apply.
BankAmericard Cash Rewards™ Credit Card is the card to use if you want to earn 2% cash back at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Plus 1% cash back on other purchases. If you bank at Bank of America, you can get even more cash back because you get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account, and if you're a Preferred Rewards client (meaning you have a specific amount of assets at Bank of America), you can increase that bonus to 25% - 75%. You can learn more about Preferred Rewards by clicking "Apply Now". This card has 0% intro APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then 13.49% - 23.49% variable APR, which can help you save on interest charges. There's a $100 online cash rewards bonus after you spend $500 or more on purchases in the first 90 days from account opening. This card has no annual fee.
Read our review of BankAmericard Cash Rewards™ Credit Card here.
Citi® Double Cash Card – 18 month BT offer, a partner card, lets you earn cash back twice on every purchase (unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases). If you always make your payments in full by the due date every month, you can easily calculate your monthly savings. The best part is that you earn cash back twice on all your purchases, not only when you shop at supermarkets. You pay no annual fee for this card.
This card also has 0% intro APR for 18 months on Balance Transfers with a regular 13.99% - 23.99% variable APR after that. Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
Read our full review of Citi® Double Cash Card – 18 month BT offer here.
Chase Freedom Unlimited℠ gives you a flat-rate of unlimited 1.5% cash back on every purchase which you charge to it, anywhere! That means you can earn this flat-rate cash back on groceries from a supermarket, corner store, delicatessen, food boutique, convenience store, hypermarket, or anywhere else. Plus you get the same rate for any other purchases you charge to Chase Freedom Unlimited℠. And it's automatic, so you don't have to activate cash back or fuss with category sign-ups. You can redeem cash back anytime, for any amount, which gives you the freedom to choose when to get your cash. You get 0% intro APR for 15 months from account opening on purchases and balance transfers (regular 15.49% - 24.24% variable APR applies after that), and you pay no annual fee.
This card has an attractive bonus offer: Earn a $150 Bonus after you spend $500 on purchases in the first 3 months after your new account is opened.
Find out more in our review of Chase Freedom Unlimited℠ here.
Citi® Hilton HHonors™ Visa Signature® Card lets you earn you 3 HHonors™ Bonus Points for each $1 spent on supermarket purchases. You also earn 3 HHonors™ Bonus Points for each $1 spent at gas stations and drug stores. This is a great way to earn award nights for your next vacation or travel binge just by using your card for everyday purchases! You earn 2 points for each $1 spent on your other purchases, and 6 points for each $1 spent on hotel stays at any participating hotel within the Hilton Portfolio.
This card has a limited time bonus offer: Earn 75,000 HHonors™ Bonus Points after making $2,000 in purchases with your new Citi® Hilton HHonors™ Visa Signature® Card in the first 3 months after account opening. This Hilton card has no annual fee.
The Amex EveryDay® Preferred Credit Card from American Express, a GET.com advertiser, lets you earn 3 points per $1 spent on purchases at US supermarkets, on up to $6,000 per year in purchases (then 1 point). You earn 2 points per $1 spent at US gas stations and 1 point per $1 spent on other purchases. This is a good card to use if you buy groceries daily, or at several different supermarkets, because when you use your card to pay for 30 or more purchase transactions in 1 billing period you can earn 50% more points on those purchases. Returns and credits don't count towards the 30 purchases.
You can earn 15,000 Membership Rewards® points after using your Card to make $1,000 in purchases within the first 3 months of Card Membership. This card has a $95 annual fee. Terms & limitations apply.
The Amex EveryDay® Credit Card from American Express, a GET.com advertiser, lets you earn 2 points per dollar on the first $6,000 of purchases you make at US supermarkets each year. After you hit that cap you will earn 1 point per $1. You also earn 1 point per dollar on your other purchases. If you use your Card 20 or more times on purchases in a billing period you will earn 20% more points on those purchases (less returns and credits).
This card has a bonus offer: Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases within the first 3 months. This card has no annual fee, so the rewards you earn are straight savings. Terms & limitations apply.
Emma Fox is a staff writer at GET.com. Email: email@example.comEditorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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