The Best Credit Cards to Use for Grocery Shopping

Pam

If your grocery bill feels like it’s getting bigger every month, you’re definitely not alone. The good news? Groceries are one of the easiest spending categories in which you can earn a lot of valuable points without changing your spending habits. Instead of earning just one point per dollar, the right credit card can earn two, three, or even four times as many rewards.

Here are some of our favorite cards for grocery shopping:

 

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This is one of our go-to cards for this type of spending. It earns 4 Membership Rewards® points per dollar at U.S. supermarkets (up to the $25,000 annual spending cap, then 1 point per dollar after that). Those Membership Rewards® points can be transferred to great airline partners like Air France/KLM Flying Blue, Virgin Atlantic, Air Canada Aeroplan, and many more, making them incredibly valuable for award travel.

Enrollment is required for select benefits. Terms apply.

 

Citi Strata Premier℠ Card

If you like flexible points, this card earns 3 ThankYou® Points per dollar at supermarkets. Citi points can be transferred to airline partners like Flying Blue, Turkish Airlines, Avianca LifeMiles, Qatar Airways, and others, giving you plenty of ways to stretch your rewards.

 

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While it doesn’t offer a grocery bonus category, it earns 2 miles per dollar on every purchase, making it a great option if you prefer keeping things simple. Those miles can be transferred to many airline and hotel partners or redeemed toward travel purchases.

 

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This card earns 3 Ultimate Rewards® per dollar spent on online grocery orders, which can be great if you frequently shop using a curbside pickup or delivery option. (And some grocery apps allow you to check out in person by scanning the app at the register; having this card loaded into the app as your payment option may also code as online grocery.)

 

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If you’re working toward Hilton points, this card earns 6 Hilton Honors points per dollar at U.S. supermarkets. It’s a solid choice if you have an upcoming Hilton stay in mind or you’re building your Hilton balance for a future vacation. Terms apply.

 

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Marriott Bonvoy members can earn 4 points per dollar at grocery stores, making everyday shopping another way to build their balance toward their next hotel stay. Terms apply.

 

Don’t Forget Rotating Bonus Cards

Some cards, like the Chase Freedom Flex℠, occasionally feature grocery stores as a quarterly 5% bonus category. If you activate the bonus and stay within the quarterly spending limit, these promotions can be one of the best earning opportunities all year.

The best grocery card isn’t always the one with the highest earning rate. It depends on what types of points you’re trying to earn and your travel goals. If you’re saving for international business class, transferable points are usually the most valuable. If you’re planning a hotel stay, earning directly with Hilton or Marriott may make more sense. (But also keep in mind that it usually takes a lot more Hilton and Marriott points to make a good redemption than it does with other types of points.)

One simple change at checkout can turn your weekly grocery run into your next family vacation. Which is your favorite card to use to rack up points and miles at the grocery store?

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. American Express is a Travel Mom Squad advertiser, but we always show the best public offer even when we don’t earn a commission. Terms Apply. 

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Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.