The Best Credit Cards to Use for Your Grocery Shopping

For most Americans, grocery shopping eats up a big chunk of their monthly budget. But thankfully, there are a handful of credit cards out there that can help you maximize your spending on your weekly grocery runs.

This means you can (and should) be earning all the points, miles, or even cashback you can to put toward your future travels. But not just any credit card that earns points and miles will do – some are much, much better than others.

If you spend a lot at U.S. supermarkets, one of the cards listed below should be at the top of your wallet.

American Express® Gold Card

The card_name should be a mainstay for your grocery store spending. 

That's because the card offers 4x American Express Membership Rewards Points per dollar spent at U.S. supermarkets (up to $25,000 in spending each year, then 1x). 

Not to mention, the card is currently offering a big welcome bonus offer: bonus_miles_full 

But beyond that initial bonus, it's the grocery category multiplier that makes this card worth the $325 annual fee (see rates & fees). Since I spend a decent amount of money on groceries, it's a mainstay in my wallet.

For example, spending $6,000 each year at U.S. supermarkets with this card would yield around 24,000 Membership Rewards points. That alone is nearly enough to justify the annual fee in and of itself.

Read More: The Best Ways to Use Amex Membership Rewards Points

Learn more about the *amex gold*.

Citi Strata Premier℠ Card

The Citi Strata Premier℠ Card is another solid option for grocery store spending as it earns 3x Citi ThankYou points for every dollar spent at grocery stores, restaurants, gas stations, and on-air travel and hotels.

You can also earn 60,000 Citi ThankYou points after spending $4,000 on the card in the first three months of card membership.

While we don't think Citi ThankYou points aren't quite as good as Chase Ultimate Rewards, American Express Membership Rewards, and even Capital One Miles, there is still plenty of value to be had in the program.

Read More: The Best Ways to Use Citi ThankYou Points

Learn more about the Citi Strata Premier℠ Card (for full disclosure, this is not an affiliate link).

Blue Cash Preferred® Card from American Express

If points and miles aren't your thing, there are some great cash back card options that will help maximize your grocery store spending.

The *blue cash preferred* has long been considered one of the best cashback credit cards out there – and for good reason.

You can earn 6% cashback at U.S. supermarkets on up to $6,000 spent on eligible purchases each year (then 1% back), 6% back on select U.S. streaming subscriptions, and 3% back on taxis, rideshare, parking, tolls, and at U.S. gas stations on eligible purchases.

That means if you maximize the $6,000 spending cap each year, you would end up with $360 of cash back.

Welcome offer: bonus_miles_full

Annual Fee: annual_fees (see rates & fees).

Learn more about the *blue cash preferred*.

Capital One Savor Cash Rewards Credit Card

Another great cash back option for your grocery store spending is the *Capital One Savor*.

With the card, you'll earn an unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).

Best of all, it's got a big bonus offer of its own: Earn bonus_miles_full. Not bad for a card with no annual fee!

And if you also have a card like the *capital one venture card* or the *venture x*, you can combine the cash back earned and turn it into Capital One Venture Miles.

Learn more about the *Capital One Savor*.

Citi Custom Cash® Card

The no-annual-fee Citi Custom Cash® Card earns 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1% cash back thereafter.

That means if you used this card explicitly for your grocery spending, you would earn a maximum of $25 cash back each month. 

And if you have a card like the Citi Strata Premier℠ Card mentioned above, you can actually turn this cash back into Citi ThankYou points.

Learn more about the Citi Custom Cash® Card (for full disclosure, this is not an affiliate link).

Chase Sapphire Preferred® Card

A couple of years back, Chase added new benefits to the *chase sapphire preferred* … all while keeping the card's $95 annual fee untouched.

One of those new benefits is the ability to earn 3x points per dollar spent on online grocery orders. This excludes stores like Target and Walmart, as well as wholesale clubs like Costco – but it does include delivery services like Instacart.

The card previously didn't offer a points multiplier for grocery store spending, so this is an exciting development that immediately puts it in the conversation for the best credit cards for grocery shopping.

Just keep in mind that you'll need to order online from select grocery delivery providers to make the most of it.

Learn more about the *chase sapphire preferred*.

Bottom Line

When it comes to earning valuable points and miles to redeem for travel (or cash back), make sure you are taking advantage of your grocery store spending. One of these cards will set you on the right path to maximizing your spending.