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Top Credit Cards For Buying Groceries: Earn More Miles, Points, And Cash Back

According to the United States Department of Agriculture, the average young family spends $900 per month on groceries. Grocery shopping is an excellent opportunity to earn cash back, airline miles, or hotel points. However, not all credit cards are created equal. And the credit card that works for your neighbor or favorite blogger may not be the best credit card for groceries.

The best credit card for buying groceries will depend on if you want to earn. When you decide on cash back, airline miles, or hotel points you will know which credit card will be best for you.

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Cash Back Credit Cards For Grocery Purchases

As great as airline miles and hotel points can be, nothing beats the flexibility of cold hard cash. There are several cashback credit cards that are great for grocery store spending.

The Capital One® SavorOne® Cash Rewards Credit Card earns an unlimited 3% Cash Back on all grocery spending (excluding superstores like Walmart® and Target®). And for those times when you do go out to eat, the SavorOne earns 3% on dining as well.

Blue Cash Preferred® Card from American Express earns 6% cash back at US supermarkets in the form of statement credits (See Rates and Fees). However, keep in mind that it is limited to $6,000 per year. If you’re spending $500 per month at the supermarket, you’ll max out this excellent cash back rate. Once you max out the 6% opportunity, additional supermarket spending will only earn 1% cash back. Terms apply.

The Blue Cash Everyday® Card from American Express is the no annual fee version (See Rates and Fees) of the Blue Cash Preferred® Card. It earns 3% cash back at US supermarkets in the form of a statement credit instead of 6% but doesn’t have the $95 annual fee of its sister card. Terms apply. If you’re going to spend over $3,200 at supermarkets per year on a credit card, it makes sense to pay the annual fee. Less than that, this no-annual membership fee credit card is right for you.

Compare all cashback cards here.

Top Airline Miles Credit Cards For Groceries

Most airline credit cards are focused on providing bonuses for spending on flights and restaurants. There are a few that offer bonus grocery store rewards.

The American Airlines AAdvantage® MileUp℠ Mastercard® Credit Card from Citibank earns 2x miles on purchases at grocery stores. It does not have an annual fee.

Both JetBlue credit cards from Barclays offer 2x points when you purchase groceries and saves cardholders 50% when buying food or drinks while flying JetBlue. The JetBlue Card has no annual fee and also earns 3x points with JetBlue.

I prefer the JetBlue Plus Card because it also provides free checked bags for you and three companions and gives you 10% of your redeemed points back. Big spenders will earn complimentary Mosaic status after spending $50,000 on the credit card each calendar year.

Compare all travel rewards cards here.

Earn Hotel Points When Buying Groceries

I can fly Economy to my next vacation if it means I get to stay at a luxury hotel. My family prefers to use our grocery shopping to earn hotel points towards our next vacation.

Hilton offers two credit cards from American Express that earn Hilton Honors points when grocery shopping. The Hilton Honors American Express Card has no annual fee and earns 5x points at supermarkets, restaurants, and gas stations within the US (See Rates and Fees). Terms apply.

Compare all hotel rewards credit cards here

Top Debit Card for Buying Groceries

Did you know that you can earn cash back when buying groceries even while using a debit card?

M1 Finance is a fintech company (with an incredible app to boot) that offers users the option of opening an M1 Checking account that comes with a lot of bells and whistles when you stack it with an M1 Plus membership.

You do have the option of selecting either the basic M1 or the M1 Plus account; however, only the M1 Plus account offers those truly impressive cashback rewards.As of November, 2022, M1 Plus members get 1% cashback on eligible purchases.

You will also earn a whopping 2.5% APY, (62x the national average!) on your account balance. This is a no-brainer if you want to level up your savings on everyday purchases and AND get cashback on the rest of your balance at the same time.

An M1 Checking account with an M1 Plus membership offers a number of additional benefits and perks, including early direct deposits, 0% international fees, $0 balance minimum, and reimbursement of up to four ATM fees each month.

Read our full review of M1 Plus here: M1 Plus Review 2022: Is this M1 Finance Upgrade Worth It?

Grocery Store Loyalty Programs

Many grocery chains also have an app that makes it simple to clip virtual coupons and unlock deals. Some of these offers are exclusive to the app and can be selected while you’re in the store.

The Newspaper

I’m totally old school when I recommend the newspaper. But the Sunday paper is one of the best ways to get valuable coupons that will reduce your grocery expenses. Most newspapers will allow you to subscribe just to the Sunday paper so you don’t need to waste money on a 7-day subscription.

Online Coupon Portals

You can clip or print out coupons at home before heading out to the grocery store. Sites like are great tools to help reduce the cost of your grocery bill.

Third-party Apps

I love using third-party apps to reduce my grocery bill because they don’t interfere with coupons, promos, and credit card rewards.

Related: Best Ways To Find Cheap Gas (And How To Pay For It)

Stacking Rewards To Maximize Your Grocery Store Spending

Grocery shopping is a great opportunity to reduce your overall expenses and earn rewards. Picking a high earning credit card for groceries for you is the first step. There are many options that will help you reach your goals with either cash back, miles, or points. Then you can stack the benefits of grocery store loyalty programs, coupons, and third-party cash back apps to maximize the value of your time and money.

What are your favorite ways to save money on grocery shopping? Which credit card do you use to earn rewards? Please let us know in the comments below.

To see rates and fees for the American Express cards featured, please visit the following links: Blue Cash Everyday® Card from American Express: See Rates and Fees; American Express® Blue Cash Preferred: See Rates and Fees: Hilton Honors American Express Card: See Rates and Fees.

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Top Travel Rewards Offers

Top Travel Card

Ready to unlock a world of free travel? Start with the Chase Sapphire Preferred® Credit Card.
Details: $95 annual fee | $4k min spend in 3 months to earn $750+ of travel.

Most Flexible Travel Card

The Capital One® Venture® Rewards Credit Card can be used for almost any travel expenses.
Details: $95 AF | $4k spend in 3 months to earn $750 in travel.

Flexible Chase UR Points & Cashback Card

The Chase Freedom Flex℠ has no Annual Fee (AF) and earns Chase UR points.
Details: No AF | $500 spend in 3 months to earn $200.

Best Card for Side Hustlers and Business Owners

Side hustlers! The Ink Business Preferred® Credit Card can earn you $1.25k+ of free travel!
Details: $95 annual fee | $15k spend in 3 months to earn $1,250+ of travel

Best Credit Cards For Groceries

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