Best Credit Card for Groceries (2019)

How Much Do You Spend on Groceries Every Month?

So regardless of who you are the statistics are in. The average American is spending $200 per month per person on groceries alone, meaning that the larger the household, the larger the expense is every month.

That’s the exact reason why in today’s article we’re going to be discussing among the best credit cards in 2019 for grocery spending so you can potentially rack up tens of thousands of points and get the very most out of your buying power as a consumer.

This list isn’t arranged in any particular order, but it’s designed to give you the full idea of what credit card companies do what exactly, and furthermore gives you a broader view in the case you’re already invested more into one creditor than another so you can work more easily with points you may have already accumulated.

While most of these cards come with many other perks, sign-up bonuses, etc, this article is only going to encompass cards in the regard of spending at supermarkets for brevities sake.

Amex Credit Cards for Maximizing Your Points on Grocery Shopping

So American Express has really made a name for themselves in this niche of shopping and has many options to consider when looking for the best credit for grocery shopping.

EveryDay® Preferred Credit Card

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  • $95 Annual Fee
  • Up to 9 cents back per dollar spent
  • $6,000 limit on Grocery Multiplier

Starting off this list is a card from American Express that most people can agree upon despite having a $95 a year annual fee. If used wisely, you can be well on your way to cover annual fee costs with cash back points earned through Amex EveryDay® Preferred’s lucrative point system.

Amex EveryDay® Preferred comes equipped with a standard 3X Points at US supermarkets on up to $6.000 per purchases then 1X afterward.

But what are the points and what are they worth? American Express has something called MR (Membership Rewards® Points). Membership reward points on average seem to equivalate out to be approximately 2 cents per point. So with the standard EveryDay® point system earning you 3X points at supermarkets, you’re earning approximately 6 cents per dollar spent.

It gets even better, if you use your Amex EveryDay® Preferred Credit Card on 30 or more separate transactions in a billing period, you’ll earn 50% extra points on your purchases in this cycle. What this means for shoppers is approximately 4.5 points per dollar or 9 cents back per dollar.

To break this down plainly, if you were to hit the bonus for 30 transactions and spend just $200 a month on groceries, in a year you’d profit $121 when you include the annual fee- meaning you’d have approximately $216.00 total in redeemable points just from $200 a month at a grocery store.

If you’re shopping for the family and you spent the $6,000 limit a year on groceries, add in all the bonuses, and subtract the annual fee, you’d walk away having profited $445 a year from this one card alone.

There is a no annual fee version of this card but that version as of now has 2X points on groceries with even less of a transaction bonus.

Blue Cash Preferred®
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  • $95 Annual Fee
  • 6% cash back on charges at supermarkets
  • $6,000 limit on Grocery Multiplier

Just like the EveryDay® Preferred Credit Card, the Blue Cash Preferred® Credit Card also has a $6,000 per year limit on their bonus then 1% afterward. This card does not currently come with a 30-transaction bonus but offers 6% cash back at U.S. supermarkets.

It’s also important to make a distinction of what is and isn’t a supermarket. For example, in Walmarts aren’t considered supermarkets/grocery stores- they have their own type of classification and are known as supercenters. Additionally, wholesale clubs such as BJ’s, Sam’s Club, Costco etc etc are also not included on this list.

The Blue Cash Preferred® Card also comes with an annual fee of $95 in addition to having a lower non-annual fee tier card available as well.

The Amex Gold Card
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  • $250 Annual Fee
  • Charge Card
  • 8 cents per dollar spent
  • $25,000 limit on Grocery Multiplier

American Express has been revamping their marketing in order to become more competitive in the marketplace. This included a general redesign of their Gold Card which has now become a favorite premium card for a lot of people.

However, before we dive into the specific perks of this card it’s worth noting that this is not a credit card. In fact, this is a charge card that has “payment flexibility on eligible charges of $100 or more.”

Long story short, this $250 a year charge card earns you approximately 8 cents per dollar spent at grocery stores with an upper limit cap of $25,000 per calendar year. Aside from all of the unique benefits of the Gold Card in and of itself, a benefit that does end up separating this card from say the Amex EveryDay® Card is you get close to the max points earnable on the EveryDay® Card without having to hit the 30 transaction minimum first—so no need to keep track of the number of transactions.

Hilton Honors Credit Card
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  • No Annual Fee
  • 5x Hilton Honors Bonus Points at Supermarkets (2.5 cents per dollar back)

The Hilton cards by America Express are cards we’d recommend if you’re the type that manages to go over your bonus limits on other cards first. More specifically, if you manage to exceed your $6,000 limit a year on groceries with a card like Amex EveryDay®, at this point you’re only earning 1X points which is the equivalent to about 2 cents per dollar.

The no annual fee Hilton Honors card gives you 5X Hilton Honors Bonus Points at supermarkets which equals out to be approximately 2.5 cents per dollar back. That said, Hilton Honors Bonus Points, when used to book rooms at Hilton’s, vary widely in cost.

For example, some rooms in the heart of Dubai may only cost you 20,000 points a night while some rooms in Hawaii can very easily cost 120,000 points or more. It really just depends on the location and the name of the property itself since Hilton does have break off projects such as the Embassy Suites, Conrad Hotels, DoubleTree, etc etc…

Hilton Honors Ascend

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  • $95 Annual Fee
  • 6x Hilton Honors Bonus Points at Supermarkets (3 cents per dollar back)

Hilton Ascend is the uplevel version of the Hilton Honors card, equipped with its own perks that make it beneficial as well. Hilton Ascend earns 6X Hilton Honors Bonus Points which is roughly 3 cents back per dollar.

Ascend comes with a $95 annual fee and is something to consider for those into status matching with hotels.

Rotating Category Credit Cards

So you may have a few of these cards already but status matching is a great way to earn some great benefits on cards that generally have no actual annual fee.

The typical rotating category credit card goes through cycles of three months before a new category is announced and the consumers then have to activate the category online to start earning their benefits.

Chase Freedom®
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  • No Annual Fee
  • 5% Cash Back on Up to $1,500 in combined bonus categories then unlimited 1% on all other purchases
  • Rotates categories every quarter

Chase Freedom®, what can we say about Chase? JP Morgan consistently puts out some of the best credit cards in the market. One of those topping the list is the Chase Freedom card.

If you aren’t aware of the 5/24 rule and the 2/30 rule this is actually the perfect time to mention this.
Chase has two rules when applying for credit cards and they’re pretty simple.

The 5/24 rule means that if you have been approved of 5 credit cards within the last 24 months you are in most cases ineligible for receiving approval for most Chase Cards. The 2/30 rule is similar; if you have applied for 2 Chase cards within the last 30 days you also are typically ineligible for a new Chase Card.

The reasoning is simply to prevent Chase from getting taken advantage of by people looking to cash in on their sign up bonuses, but we’re digressing now.
The Chase Freedom® card rotates its category each quarter offering 5% cash back on up to $1,500 in combined purchases in bonus categories and unlimited 1% on all other purchases.

So if you’re the type of person that spends $1,500 within 3 months on groceries, that means $75 of cash right back in your pocket during this category season.

Discover it
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  • No Annual Fee
  • 5% Cash Back on Up to $1,500 in combined bonus categories then unlimited 1% on all other purchases
  • Rotates categories every quarter

Have you been receiving a lot of mail lately by Discover? The Discover It cashback credit card is becoming a great choice on saving money on everyday spending with 1% back on everything you buy and, you guessed it, 5% cashback on rotating categories up to $1,500 per quarter.

The Discover It card as it stands is viscously competitive when put against the Chase Freedom Card and in many many ways actually outperforms Chase. Discover has really put their best foot forward to establish themselves more firmly on the scene of consumer credit and with $0 annual fee, this is another card that you don’t want to miss out on.

American Airlines AAdvantage MileUpSM Travel Card Card
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  • No Annual Fee
  • 2x AAdvantage® Miles for each $1 spent at grocery stores, including grocery delivery services.
  • Points can be transferred to Marriot

So a relatively new card on the scene is the American Airlines AAdvantage MileUpSM by
Citi credit cards. This credit card is really meant strictly for people that want a travel card with no annual fee.

The card offers a 2X AAdvantage® Miles for each $1 spent at grocery stores, including grocery delivery services.

These points do transfer from American Airlines Mile points to Marriot however at a drastically reduced value system of 3:1. Each mile earned is typically valued at least 1 cent per point. However some categories extend the power, for example, Business/First AAnytime is approximately 2.1 cents per point, Business/First MileSAAver is 3.8 cents, Economy AAnytime is 1 cent, Economy MileSAAver is 2.1 cents, and flight upgrades are 1.9 cents per point.

PenFed Card for Everyday Spending
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  • No Annual Fee
  • Lower APR Rates
  • Only military affiliates are eligible for card
  • 3X back at grocery stores (3 cents per dollar spent)

Another card that is packed with value in regards to the grocery category is the PenFed Platinum Rewards Visa Signature Card.

This card is exclusively reserved for people who are part of the military or have direct family in the military; however, there is a workaround we’ll only just hint at called the Navy League San Diego Council sign up.

In a nutshell, because of certain grandfathered in laws, some card applicants have been successful gaining access to PenFed and other military cards by supporting the Navy League San Diego chapter with a one time $25 membership sign up fee despite not having served or having family that have served in the military, however this is something you may want to do your own research on.

The PenFed Platinum Rewards card gives 3X back at grocery stores as well as military commissary should you actually currently be in service. The points are valued to be approximately 1 cent per dollar, so 3x back earns you 3 cents per dollar spent.

Lastly, with typically lower APR, generous credit limits, and no annual fee this card can be a welcomed addition to your wallet should you be in need of a credit card that is a well-rounded card meant for everyday purchases.

Amazon Prime Visa
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  • No Annual Fee/ But have to pay $119 per year on an Amazon Prime subscription for 5% back on Amazon and Whole Foods

The last card appropriate to mention is the Amazon Prime Visa Credit Card, a Chase Card.

The Amazon Prime Visa technically has no annual fee but technically does at the same time. In order to get the 5% back on Amazon and Whole Foods you need to have an active Amazon Prime membership.

The standard annual cost for Amazon Prime is $119 per year.

As mentioned above, since Amazon owns Whole Foods, any shopping that is purchased through your Prime Visa is rewarded with 5% cash back; and with a lot of people now doing their grocery shopping and having cheaper food supplies on subscription vis a vis their Amazon account, this isn’t the worst deal in the world.

Final Thoughts

Final thoughts, remember to do your due diligence, there are definitely credit cards that may have had unique benefits, or stand out in their own way in regards to groceries but we stand behind our comprehensive list as a great start that covered a lot of concerns most consumers would have when looking for a new credit card to maximize their spending and benefits with.

To learn more about what we believe to be the best credit cards in the most recent months, check out our other article here!