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

By | Posted:

Best Grocery Credit Card

Grocery bills are a common expense in a lot of household budgets!  Using a rewards credit card to pay for your supermarket shopping can be a really easy way to earn cash back or points to use toward your next vacation!

The information for the Chase Freedom Unlimited has been collected independently by Million Mile Secrets.  The card details on this page have not been reviewed or provided by the card issuer.

Best Grocery Credit Card
It’s All Smiles When You’re Earning Easy Rewards by Using the Right Credit Card at the Supermarket!

Let’s take a look at 5 fantastic grocery credit cards.  Pick the one that works for you and don’t leave home without it!

Consider Tips Before Applying for the Best Credit Card for Grocery Purchases

Link:   The 5 Dangers of Applying for Credit Cards

Link:   11 Credit Card Myths That Could Be Holding You Back From Big Travel

For folks just learning about the world of miles & points and travel credit cards, there are a few things you should know!

First, check out our post with the 5 Dangers of Applying for Credit Cards.  Rewards credit cards are NOT for everyone.  I only recommend this hobby if you:

  • Pay your bills on time
  • Have a credit score of 700+ (create a free account at myBankrate to check your credit score!)
  • Pay attention to detail
  • Track your credit card balances

As long as you can manage your money and use your cards responsibly, you’ll do well in this hobby!  One of the little-known secrets of this hobby is having several open credit cards can actually help improve your credit score.  I have 12 open credit card accounts and a credit score above 800!

So if you’ve been using a dusty old credit card (or debit card) when you’re at the supermarket, don’t be afraid to explore a new option that could potentially offer you a lot more value!

Best Grocery Credit Card
Opening a New Credit Card to Earn Rewards for Grocery Purchases Could Potentially Improve Your Credit Score in the Long Run. I Have 12 Rewards Credit Cards and a Credit Score Above 800!

5 Best Grocery Credit Cards

The best card to use for any purchase – supermarkets or not – is the card you’re currently meeting the minimum spending on to unlock a big bonus to get Big Travel with Small Money! 🙂

After you’ve done that, consider these to reward your supermarket spending.

Best Card for Cash Back: Blue Cash Preferred Card from American Express

Link:   Apply for the Blue Cash Preferred Card from American Express

Link:   Our Review of the Blue Cash Preferred Card from American Express

Why This Card Is Great for 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!  Not bad at all!

Best Grocery Credit Card
Everyone Loves Having a Little Extra Cash in Their Pocket! With the AMEX Blue Cash Preferred Card, You Can Earn 6% Cash Back at US Supermarkets on up to $6,000 in Purchases Each Calendar Year (Then, 1%)

According to the American Express website, examples of US supermarkets include:

  • Gristedes
  • Foodtown
  • Meijer
  • Shoprite
  • Stop and Shop
  • Vons
  • Whole Foods
  • Winn-Dixie
  • Online supermarkets such as FreshDirect
Note:   This is not a complete list.
Examples of merchants where you will NOT earn bonus cash back include:
  • Specialty stores (fish markets, cheese shops, wine shops)
  • Superstores (Amazon, Target, and Wal-Mart)
  • Warehouse clubs (BJ’s Club)

Welcome Bonus Details

The Blue Cash Preferred Card from American Express comes with a $200 statement credit after spending $1,000 on purchases in the first 3 months of opening your account.  And besides the ongoing bonus at US supermarkets, you’ll also earn 3% cash back at US gas stations and select US department stores.

Annual Fee

This card has a $95 annual fee, which is NOT waived the first year.

Best Grocery Credit Card for Easy to Use Travel Rewards: Capital One Venture

Link:   Apply for the Capital One Venture Card

Link:   Our Review of the Capital One Venture 

Why This Card Is Great for Supermarket Shopping

Capital One Venture cardholders earn 2 Venture miles per $1 spent on ALL purchases (including at grocery stores).  Many readers love the Capital One Venture card because the miles you earn are super easy to use.

You can just pay for travel with the card, including airfare, hotel stays, car rentals, Airbnb rentals, and much more!  Then, redeem miles to offset the purchase!

Each mile is worth 1 cent toward travel.  And there’s NO minimum redemption increment when redeeming miles, unless you’re using miles to partially pay for a travel purchase.  In that case, the minimum is 2,500 miles ($25).  After you use your card to pay for a travel purchase, you have 90 days to “erase” it using your miles!

Best Grocery Credit Card
You Could Use Capital One Venture Miles to Offset the Cost of a Cruise Around the Gorgeous Mediterranean Sea!

Sign-Up Bonus Details

This card has a lucrative sign-up bonus that’s easy to redeem.  The Capital One Venture card comes with 50,000 Venture miles (worth $500 in travel) after spending $3,000 on purchases within the first 3 months.

And you’ll get:

Annual Fee

The card has a $95 annual fee, which is waived the first year.  As long as you spend $4,750 per year, the rewards you’ll earn will offset the annual fee.  Because this card earns 2 Venture miles per $1.  So spending $4,750 means you’ll earn 9,500 Venture miles, which you can then redeem for $95 in travel rewards!

For families, it’s not out of reach to think you could spend $4,750 per year on your supermarket bill alone!

Best Grocery Credit Card for Flexible Rewards: Chase Freedom Unlimited   

Link:   Apply for the Chase Freedom Unlimited

Link:   Our Review of the Chase Freedom Unlimited

Why This Card Is Great for Supermarket Shopping

The Chase Freedom Unlimited is my go-to card when I’m at the supermarket.  Because you earn 1.5% cash back (1.5X Chase Ultimate Rewards points) on ALL purchases.

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 the Chase Sapphire PreferredChase Sapphire Reserve, or Ink Business Preferred.  Then, use them at a rate of 1.25 or 1.5 cents per point (depending on the card) through the Chase Ultimate Rewards Travel Portal.

Or transfer your points directly to valuable travel partners, like British Airways, Hyatt, or United Airlines, for potentially more value.  Using points this way helped me book 6 Business Class award flights home from Sydney!

Best Grocery Credit Card
You Can Book Comfortable Lie-Flat Business Class Award Seats by Transferring Chase Ultimate Rewards Points Directly to Travel Partners Like United Airlines!

Sign-Up Bonus Details

When you sign-up for the Chase Freedom Unlimited, you’ll earn $150 (15,000 Chase Ultimate Rewards points) after you spend $500 on purchases in your first 3 months from account opening.

You can also earn an additional $25 (2,500 Chase Ultimate Rewards points) for adding your first authorized user and making your first purchase within this same 3-month period.

Annual Fee

None!

Best Grocery Credit Card for Hotel Points: Hilton Honors Card from American Express

Link:   Apply for the Hilton Honors Ascend Card from American Express

Link:   Our Review of the AMEX Hilton Honors Ascend Card

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 cardholders 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 Like Whole Foods!

Welcome Bonus Details

Until June 27, 2018, when you apply for the Hilton Honors American Express Ascend Card, you’ll earn 100,000 Hilton points after spending $3,000 in purchases with your new card within the first 3 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.  But all of the perks you can read about in our full review of the card can easily offset the annual fee!

Best Grocery Credit Card for Airline Miles:  Barclays JetBlue Plus

Link:   Apply for The JetBlue Plus Card

Link:   Our Review of The JetBlue Plus Card

Why This Card Is Great for Supermarket Shopping

With the Barclays JetBlue Plus card, you earn 2 JetBlue points per $1 at grocery stores.  JetBlue points are useful because the airline has no blackout dates!  As a long as a seat on a flight is available for sale, you can book it using points!

Best Grocery Credit Card
Use JetBlue Points to Book an Award Flight to the Caribbean!

Sign-Up Bonus Details

When you sign-up for the Barclays JetBlue Plus card, you’ll earn 40,000 JetBlue points (worth ~$560 in JetBlue airfare!) after spending $1,000 on purchases within the first 90 days of account opening.

Annual Fee

The card has a $99 annual fee, which is NOT waived the first year.  But with this card, you earn 5,000 bonus JetBlue points each card anniversary, which helps to offset the annual fee expense!

Bottom Line

These are the best grocery credit cards:

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%).

Folks who stay at Hilton hotels 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?