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Are You Using the Best Credit Card for Groceries? Check Our List to Find Out! 

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Are You Using the Best Credit Card for Groceries? Check Our List to Find Out! 

Meghan HunterAre You Using the Best Credit Card for Groceries? Check Our List to Find Out! Million Mile Secrets Team

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INSIDER SECRET: Some cards earn cash back and others earn travel rewards. The best credit card for groceries depends on your goals.

Best Credit Card for Groceries

Grocery bills are a common expense in many household budgets, and using one of the best credit cards for travel to pay for your supermarket shopping can be a really easy way to earn cash back or points to use toward your next vacation.

Let’s take a look at the six best credit cards for groceries, so you can pick the one that works for you when you’re considering your personal goals.

Shopping can be all fun and games when you’re using one of the best credit cards for groceries.

Six Best Credit Cards for Grocery Purchases

The best card to use for any purchase is the one you’re currently using to meet the minimum spending requirement to unlock a big welcome bonus. After you’ve done that, consider these cards to earn rewards for your grocery spending.

1. Best Card for Earning Cash Back at US Supermarkets: Blue Cash Preferred Card from American Express

Apply Here: Blue Cash Preferred Card from American Express

Read our review of the Blue Cash Preferred

Blue Cash Preferred® Card from American Express

Why This Card Is Great for US Supermarket Shopping

With the Blue Cash Preferred Card from American Express, you’ll earn 6% cash back at US supermarkets (up to $6,000 in purchases per calendar year, then 1%). Spending the maximum in the bonus category means you can earn an extra $360 each year.

According to American Express, examples of US supermarkets include:

  • Gristedes
  • Foodtown
  • Meijer
  • ShopRite
  • Stop & Shop
  • Vons
  • Whole Foods
  • Winn-Dixie
  • Online supermarkets such as FreshDirect
This isn’t a complete list, but examples of merchants where you will not earn bonus cash back include:

Welcome Bonus Details

The Blue Cash Preferred Card from American Express comes with a $250 statement credit after spending $1,000 on purchases in the first three months of opening your account. In addition to the ongoing bonus at US supermarkets, you’ll earn 3% cash back at US gas stations and on transit.

Annual Fee

This card has a $95 annual fee, which is not waived the first year (See Rates & Fees).

You can earn a whole shopping cart full of cash back with the Amex Blue Cash Preferred.

2. Best for Earning Bonus Ultimate Rewards on Grocery Purchases: Chase Freedom

Apply Here: Chase Freedom

Read our review of the Chase Freedom

Chase Freedom®

Why This Card Is Great for Grocery Shopping

With the Chase Freedom, you’ll earn 1% cash back (or 1x Chase Ultimate Rewards point per $1 spent) on every single purchase you make. What makes this card so powerful is the ability to earn 5% cash back (or 5x points per $1) in rotating categories every quarter on up to $1,500 in combined spending when you activate the bonus.

From April 1 through June 30, 2019, for example, grocery store purchases are included in the Chase Freedom 5% cash back rotating categories. Once activated, cardholders can earn 5% cash back on the first $1,500 spent at grocery stores and home improvement stores.

If you make the most of your bonus spending every quarter, you can earn $300 per year (30,000 Chase Ultimate Rewards points) in bonus category spending alone (four quarters x $75 per quarter).

Welcome Bonus Details

With the Chase Freedom card, you’ll earn a $150 cash bonus (or 15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the first three months of account opening.

Annual Fee

This card has no annual fee so you can keep it in your wallet year after year.

3. Best for Earning Amex Membership Rewards at US Supermarkets: Amex Gold

Apply Here: American Express® Gold Card

Read our review of the American Express Gold Card

Why This Card Is Great for US Supermarket Shopping

This is the best card for earning Amex Membership Rewards points for supermarket purchases because you’ll earn 4x Amex Membership Rewards points per $1 at US supermarkets, on up to $25,000 per calendar year in purchases (then 1x).

If you spend the full $25,000, for example, you’ll earn 100,000 bonus Amex Membership Rewards points to use toward travel. That’s a big deal. To put that into perspective, you need just 70,000 Amex Membership Rewards points for two round-trip coach award tickets to Hawaii.

Think about it … it’s actually possible to turn your grocery spending into a tropical vacation!

Welcome Bonus Details

The Amex Gold card comes with a welcome bonus of 35,000 Amex Membership Rewards points when you spend $2,000 on purchases in the first three months of account opening.

Annual Fee

There’s a $250 annual fee (See Rates & Fees) on the Amex Gold card. But the credits you’ll earn cover most of it. You’ll get up to $120 in dining credit, broken into $10 monthly credits over the course of a year, to spend at certain restaurants.

4. Best for Earning Flexible Rewards on Grocery Purchases: Chase Freedom Unlimited   

Read our review of the Chase Freedom Unlimited

Chase Freedom Unlimited®

Why This Card Is Great for Grocery Shopping

The Chase Freedom Unlimited is the go-to card for many when it comes to supermarket shopping. When you get the Chase Freedom Unlimited, you’ll earn 3% cash back, up to $20,000 spent on purchases in the first year. Then, an unlimited 1.5% cash back.

On their own, points linked to the Chase Freedom Unlimited are worth 1 cent each toward cash back or travel through the Chase portal. But you can move points to other Chase Ultimate Rewards points earning credit cards, like the Chase Sapphire Preferred CardChase Sapphire Reserve, or Ink Business Preferred Credit Card. Then, use them at a rate of 1.25 or 1.5 cents per point (depending on the card) through Chase’s travel portal.

You can also transfer your points directly to valuable Chase travel partners, such as British Airways, Hyatt or United Airlines, for potentially more value.  

Welcome Bonus Details

The Chase Freedom Unlimited doesn’t offer a typical welcome bonus, but you can really rack up those Ultimate Rewards points because you’ll earn 3% cash back (3x Chase Ultimate Rewards points), on up to $20,000 spent on purchases in the first year.

If you spend the full $20,000, for example, you’ll earn a total of $600 cash back (60,000 Chase Ultimate Rewards points). That could certainly put a dent in your next trip budget!

Annual Fee

The Chase Freedom Unlimited doesn’t charge an annual fee. For that reason, it’s a great card to keep long term.

5. Best for Earning Airline Miles on Grocery Purchases: American Airlines MileUp Card

Apply Here: American Airlines AAdvantage MileUp℠ Card

Read our review of the Citi American Airlines MileUp

Why This Card Is Great for Supermarket Shopping

With the American Airlines MileUp Card, you’ll earn 2 American Airlines miles per $1 at grocery stores, including eligible grocery delivery services. Other American Airlines credit cards only earn 2 miles per $1 for direct purchases through American Airlines.

Best Grocery Credit Card
You can use the American Airlines miles you earn to book an award flight to the Caribbean.

Welcome Bonus Details

When you open the American Airlines MileUp Card, you’ll earn 10,000 American Airlines miles (more than enough for a short-haul one-way flight) and a $50 statement credit after spending $500 on purchases within the first three months of account opening.

Annual Fee

The card has no annual fee. So you can keep it forever without paying a dime.

6. Best for Earning Hotel Points at US Supermarkets: Hilton Honors Card from American Express

Read our review of the Hilton Ascend

Why This Card Is Great for Supermarket Shopping

Do you stay at popular Hilton hotels like Hilton Garden Inn or Embassy Suites? With the Amex Hilton Honors Ascend Card, you can earn lots of bonus points for your supermarket spending, which you can then redeem for free stays at Hilton hotels.

Amex Hilton Honors Ascend card holders earn 6 Hilton points per $1 of eligible purchases at US restaurants, US supermarkets and US gas stations.

Eligible US supermarkets are the same as the Blue Cash Preferred Card from American Express and include ShopRite and Vons.

Best Grocery Credit Card
Earn tons of bonus Hilton points by using the Amex Hilton Honors Ascend card at US supermarkets such as Whole Foods.

Welcome Bonus Details

When you apply for the Hilton Honors American Express Ascend Card, you’ll earn 125,000 Hilton points after spending $2,000 in purchases with your new card within the first three months of account opening.

A free night at a Hilton hotel generally costs 10,000 to 95,000 points per night, so you can use the bonus for a free night at top-tier Hilton hotels, like the luxurious Waldorf Astoria Beverly Hills.

Note: The welcome bonus offer for this card is not available to folks who have or have had this product or the Hilton Honors Surpass Card (no longer available to new applicants).

Annual Fee

The card has a $95 annual fee, which is not waived the first year (See Rates & Fees), but all of the perks you can read about in our full review of the Hilton Ascend can easily offset the annual fee!

Bottom Line

These are the best credit cards for grocery shopping:

For example, with the Blue Cash Preferred Card from American Express, you’ll earn 6% cash back at US supermarkets (up to $6,000 in purchases per calendar year, then 1%).

If you’re a Hilton hotels fan, you might prefer the Amex Hilton Honors Ascend card. With this card, you’ll earn 6 Hilton points per $1 at US supermarkets.

Which card is your favorite to use at the grocery store?

For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

For rates and fees of the Blue Cash Preferred Card, please click here.
For rates and fees of the Hilton Ascend Card, please click here.
For rates and fees of the Amex Gold Card, please click here

Hilton Honors American Express Ascend Card

Hilton Honors American Express Ascend Card

  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Vincent Carloni

Why isn’t the Amex EveryDay Preferred included in your list? It’s 4.5 pts.

Amazon Prime Visa for 5% at Whole foods, Chase Freedom Unlimited every where else.

amex plat usually

Hilton Honors Ascend Card from American Express

Citi AAdvantage card for me!

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