It may be surprising, but there are plenty of urbanites who eat nearly all of their meals at restaurants. But for the rest of us, groceries are a major part of our budget.
For those of us who shop with a rewards credit card, we should always have a card that offers exceptional rewards at grocery stores.
The right rewards card will offer bonus points, miles, or cash back every time you visit your grocery store or supermarket. Who wouldn’t want money just for going grocery shopping?
What’s Ahead:
Best credit cards for groceries overview:
| Card Name | Best for |
|---|---|
| Citi Rewards+® Card | Overall Grocery Rewards |
| Discover it® Cash Back | Cashback |
| Capital One® Savor® Cash Rewards Credit Card | Dining Out |
| Capital One Venture Rewards Credit Card | Overall Rewards |
Best for overall grocery rewards
Citi Rewards+® Card
In A Nutshell
The Citi Rewards+® Card combines a bevy of benefits to create an overall strong offering. Earn 20,000 bonus points after spending $1,500 in purchases during the first three months (redeemable for $200 in gift cards at thankyou.com). For a limited time, earn 5 ThankYou® Points per $1 spent on restaurants (up to $6,000) in the first 12 months and 1 point thereafter.
Read reviewWhat We Like:
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Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening
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0% intro APR on balance transfers and purchases for 15 months (regular APR of 15.74% – 25.74% Variable). Balance transfer fee applies.
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Round Up to the nearest 10 points on every purchase
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Citi Rewards+® Card
The Citi Rewards+® Card offers a generous 2X ThankYou® Points at supermarkets and gas stations (for the first $6,000 per year) and 1x point per $1 spent thereafter.
Rather uniquely, it also automatically rounds up small purchases to 10 points, so even an $0.89 banana purchase will net you 10 ThankYou® Points.
Cash back
In addition to the rewards mentioned above, for a limited time, you’ll earn 5 ThankYou® Points back per $1 spent at restaurants for the first $6,000 spent annually, and unlimited 1x ThankYou® Points on all other purchases.
Intro offer
When new cardholders spend $1,500 within your first three months of having your Citi Rewards+® Card and you’ll score 20,000 bonus ThankYou® Points redeemable for $200 in gift cards at thankyou.com.
Intro APR
Open a Citi Rewards+® Card and you’ll get a 0% intro APR on both purchases and balance transfers for 15 months – that’s objectively awesome for someone trying to pay off old credit card debt without accumulating interest on new purchases. Balance transfers must be completed within four months of account opening and come with a 3% or $5 balance transfer fee (whichever is greater). After that, the fee will be 5% per transfer (minimum $5). The standard purchase and balance transfer APR is 15.74% - 25.74% (Variable).
See card details/apply.
Best for cash back
Discover it® Cash Back
While not directly for groceries, Discover it® Cash Back offers 5% quarterly categories, and one is groceries, making this one of the highest earning cash back cards.
Cash back
Discover it® Cash Back offers 5% cashback in rotating categories each quarter. You must activate each quarter and the maximum spend is $1,500.
Note that in reviewing Discover over the last number of years, I can tell you that one of those categories is usually grocery stores. This year, it is the first quarter!
Here’s the 2022 5% cashback quarterly incentives, and every category is spot on. Take a look!
- January – March 2022: Grocery stores and Fitness Club & Gym Memberships.
- April – June 2022: Gas stations and Target.
- July – September 2022: Restaurants and PayPal.
- October – December 2022: Amazon.com and Digital Wallets.
Customers will also receive unlimited 1% cashback on all other purchases.
Cashback Match™
Discover will match the cashback you’ve earned at the end of your first year as a customer.
No annual fee
What’s great about Discover cards is that they have no annual fee.
APR
The Discover it® Cash Back has a 11.99% - 22.99% Variable APR.
See card details/apply or read our full Discover it® Cash Back review.
Best for dining out
Capital One Savor Cash Rewards Credit Card
Disclaimer – The information about the Capital One® Savor® Cash Rewards Credit Card has been collected independently by MoneyUnder30.com. The card details have not been reviewed or approved by the card issuer.
Whether you’re going to the grocery store or going out to a restaurant, the Capital One® Savor® Cash Rewards Credit Card has you covered.
Cash back
You earn 4% cash back on dining and entertainment, 3% cash back at grocery stores and 1% cash back on all other purchases. Plus, there are no limits to the amount of rewards that you can earn!
Intro offer
This card also offers new applicants $300 in bonus cash back after making at least $3,000 in purchases within three months of account opening.
Intro APR offer
The Capital One Savor® Cash Rewards Credit Card does not feature an introductory APR for purchases or balance transfers.
Annual fee
There’s an annual fee of $95
See card details/apply or read our full Capital One® Savor® Cash Rewards Credit Card review.
Best overall rewards credit card
Capital One Venture Rewards Credit Card
In A Nutshell
Capital One’s leading product is the Capital One Venture Rewards Credit Card and it shows. A one-time 75,000 mile bonus after spending $4,000 in the first 3 months is flat out AWESOME, and 2X miles per dollar spent is about as good as it gets with a travel rewards credit card.
Read review- Good/
- Excellent
What We Like:
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Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
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2X miles earned for $1 spent on all purchases
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Receive up to a $100 credit for Global Entry or TSA PreCheck®
While the Capital One Venture Rewards Credit Card doesn’t offer a bonus for groceries, it features such competitive rewards for all purchases, that it’s still one of the best cards to use at the supermarket.
Miles
With this card, you earn two miles per dollar spent on all purchases, with no limits.
Intro offer
New cardholders can also earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
Capital One miles are worth one cent each as statement credits towards travel purchases including airfare, hotels, car rentals and cruises.
Annual fee
There’s an annual fee of $95, and no foreign transaction fees.
APR
The Capital One Venture Rewards Credit Card has a 17.49% - 25.49% (Variable) APR.
See card details/apply or read our full Capital One Venture Rewards Credit Card review.
Best for business owners
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