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The 11 Best Credit Cards for Groceries & Supermarket Spending [2023]

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Whether you do major weekly grocery shopping to feed a family of 5 or just pop in to grab a rotisserie chicken on your way home from work for a solo meal, we all spend money at the grocery store.

Doesn’t it make perfect sense to be earning points/miles/cash-back for the spending you’re doing already? Looking ahead a year from now, you’ll still have spent money on groceries… but you could also have earned valuable rewards.

These are rewards you can use to subsidize a vacation, pay for school clothes, or enjoy a celebratory group dinner at a nice restaurant — it’s your choice!

At this point, you’re probably thinking about which credit card is best for spending on groceries and at supermarkets in general. After all, supermarkets sell more than just groceries, and there are probably other items you buy elsewhere that can be purchased at the supermarket.

We’ll happily answer that question and more in this article as we cover how to select the best credit card for earning rewards at grocery stores and supermarkets. We’ll also review how to maximize your earnings by buying things other than groceries at supermarkets.

What To Look For in a Credit Card for Grocery & Supermarket Spending

First, credit cards that reward supermarket purchases are not limited to earning rewards on those purchases. You’ll likely land on a card that has a broader range of bonus categories. This is a good thing.

While we’re focusing on earning the most rewards for grocery/supermarket spending in our article today, to maximize earnings, your credit card selection should have additional earning potential that matches your other spending priorities.

When selecting a credit card that earns grocery spending rewards, you’ll want to consider the following:

  • Does the card have an annual fee? Just because a credit card charges an annual fee doesn’t mean you should pass on that card. You might realize benefits that far exceed the value of the annual fee.
  • Is there a welcome bonus? The best credit card welcome bonuses can add significant value. These bonuses are usually earned after meeting minimum spending amounts in the first few months after card approval, but each offer will differ.
  • Are rewards capped at a certain amount? If so, you’ll want to calculate how much you’ll actually earn on the card at your anticipated spending levels.
  • Are there additional bonus categories on the card? Selecting a card that allows you to earn on more than 1 category is the best scenario.

Bottom Line: If you spend a lot on groceries, finding a credit card that rewards those purchases is important. But you’ll want to consider cards that have additional bonus earning categories that match your spending habits to maximize earnings. 

The 8 Best Personal Credit Cards for Groceries and Supermarket Purchases

Card Summary

Before we deep-dive into our recommended rewards-earning cards, let’s focus on how these cards stack up when it comes to earning rewards on grocery and supermarket purchases.

CardWelcome Bonus and Annual FeeBenefits for Groceries and Supermarket Purchases
American Express® Gold Card
  • Earn 60,000 points when you spend $4,000 on purchases in the first 6 months.
  • Annual fee of $250 (Rates & Fees)

4x points spent at U.S. supermarkets, up to $25,000 in purchases every calendar year (then 1x)

Blue Cash Preferred® Card from American Express
  • Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months.
  • Annual fee of $0 intro annual fee for the first year, then $95 (Rates & Fees)
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
Citi Premier® Card
  • Earn 60,000 points after spending $4,000 in purchases within the first 3 months. Plus, for a limited time, earn a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024.
  • Annual fee of $95
3x points at supermarkets
Capital One Venture X Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395
2x miles on all purchases
Capital One Venture Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $95
2x miles on all purchases
Blue Cash Everyday® Card from American Express
  • Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.
  • Annual fee of $0 (Rates & Fees)
3% cash-back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
Chase Sapphire Preferred® Card
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months.
  • Annual fee of $95
3x points on online grocery purchases
Chase Freedom Unlimited®
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Annual fee of $0
1.5% cash-back on non-bonus purchases

 

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

1. American Express® Gold Card (Top Pick for Earning Points)

American Express® Gold CardTerms Apply / Rates & Fees

American Express® Gold Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

American Express® Gold Card

This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is definitely a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are a number of other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros

  • 4x points per $1 at restaurants, plus takeout and delivery in the U.S.
  • 4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per $1 on flights purchased directly from airlines or at Amex Travel
  • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
  • Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
  • No foreign transaction fees (see rates and fees)
  • Access to Amex’s The Hotel Collection
  • Access to American Express transfer partners

Cons

  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card is incredibly rewarding for spending at grocery stores. You’ll earn 4x Membership Rewards points per dollar spent at U.S. supermarkets on up to $25,000 per calendar year in purchases.

This opportunity equals the ability to earn 100,000 Membership Rewards points each year, just for maximizing spending in 1 bonus category.

In addition, this card offers great rewards on flights (3x points per $1 spent on airfare booked directly with the airline or through Amex Travel). When you’re traveling, make use of The Hotel Collection where you can get room upgrades and property credits.

You’ll even earn 4x points per dollar spent at restaurants, plus takeout and delivery in the U.S. — that can really add up if you dine out often!

Don’t be put off by the annual fee — there are statement credits for dining out at specific restaurants and food delivery, and more benefits to offset the fee allowing you to break even really quickly.

For example, the card offers up to $10 in monthly dining statement credits at participating partners like Grubhub, The Cheesecake Factory, Goldbelly, Milk Bar, select Shake Shack locations, and Wine.com.

Boosting the value proposition even further, you get up to $120 in Uber Cash every year (up to $10 per month), which can be used for Uber rides in the U.S. or Uber Eats orders in the U.S.

The Amex Gold card has no preset spending limit, which means you’re not limited by a traditional credit limit.

Enjoy shopping perks like a complimentary ShopRunner membership, no foreign transaction fees, and up to 5 additional authorized user cards without added fees (rates and fees).

Hot Tip: Travel rewards credit cards often charge annual fees, but these cards also offer travel benefits that can more than offset the cost of that annual fee. Just be sure to select travel rewards credit cards with benefits you’ll actually use.

Why We Like Earning American Express Membership Rewards Points

Amex Membership Rewards points are the most valuable type of points; we value them at 2.2 cents per point, which makes earning 4x points equal to a return on spending of 8.8%!

To get the most value from your points, use the American Express transfer partners and book luxury award travel.

If that doesn’t suit your tastes, you can get reduced redemption value when you use points for statement credits, cash-back, gift cards, charitable donations, and bookings made through Amex Travel.

2. Blue Cash Preferred® Card from American Express (Top Pick for Earning Cash Back)

Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees

Blue Cash Preferred® Card from American Express

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Blue Cash Preferred® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros

  • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
  • 1% cash-back on all other purchases

Cons

  • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

Redeem cash-back through your American Express account

American Express offers 2 cash-back cards that deliver excellent earnings on U.S. supermarket purchases. The Amex Blue Cash Preferred card is the more premium of the 2.

Despite its mild annual fee, the Amex Blue Cash Preferred card more than makes up for it with 6% back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and additional earnings at U.S. gas stations, select U.S. streaming subscriptions, and transit (taxis/rideshares, parking, tolls, trains, buses, and more).

To be specific, it also earns:

  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back at U.S. gas stations and on transit (includes rideshares, parking, tolls, taxis, and more)
  • 1% cash-back on all other purchases

It also has fee-free authorized user cards (rates and fees).

3. Citi® Premier Card

Citi Premier® Card

Citi Premier® Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.

Learn More(at our partner's secure site)

Citi Premier® Card

Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
60,000 points
$960
$95
21.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!

Pros

  • 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
  • Access to Citi transfer partners
  • Annual hotel credit
  • No foreign transaction fees

Cons

  • $95 annual fee
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Financial Snapshot

  • APR: 21.24% - 29.24% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Citi ThankYou Rewards

The only Citi credit card in this guide is its flagship Citi Premier card. It has a ton of bonus categories:

  • 3x ThankYou Points at supermarkets, restaurants, gas stations, air travel, and hotels
  • 1x ThankYou points on all other purchases

The main selling point of the Citi Premier card is the abundant bonus categories, but you can also make use of the $100 annual hotel savings benefit whereby you can get $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through thankyou.com or at 1-800-THANKYOU.

There are no foreign transaction fees or additional fees for authorized users.

Why We Like Earning Citi ThankYou Rewards Points

The Citi Premier card earns ThankYou Rewards Points, which are a transferable currency worth around 1.6 cents each, by our valuations.

As always, the best way to redeem these points is to transfer them to travel partners for award travel; but if that’s not what you’re interested in, you can use ThankYou Points for gift cards, statement credits, travel booked through the Citi Travel, at Amazon.com, or at BestBuy.com.

4. Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
22.24% - 29.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros

  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • 10,000 bonus miles awarded on your account anniversary each year
  • Global Entry/TSA PreCheck credit
  • Add authorized users for no additional annual fee
  • No foreign transaction fees

 

Cons

  • $395 annual fee
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

 

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more – you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Financial Snapshot

  • APR: 22.24% - 29.24% (Variable)
  • Foreign Transaction Fees: $0

Card Categories

Rewards Center

Capital One Miles

 

Capital One’s flagship credit card is the Capital One Venture X card. Laden with travel benefits, this card is also one of the best to use for your spending.

It follows this earning structure:

  • 10x Capital One miles on hotels and rental cars booked through Capital One Travel
  • 5x Capital One miles on flights booked through Capital One Travel
  • 2x Capital One miles on all other purchases

So when you spend at grocery stores or supermarkets, you’ll earn 2x miles.

In addition, this credit card has up to $300 annual travel credit for bookings made through Capital One Travel, an anniversary bonus of 10,000 miles after every account anniversary, access to Capital One Lounges and Plaza Premium Lounges, and a complimentary Priority Pass Select membership.

It also comes with benefits such as up to $100 Global Entry/TSA PreCheck application fee credit, complimentary top-tier Hertz President’s Circle status, travel insurance, and cell phone protection.

The Capital One Venture X card is rounded out with purchase protection, extended warranty, no foreign transaction fees, and up to 4 authorized users for no additional annual fee.

Why We Like Earning Capital One Miles

The Capital One Miles ecosystem is one of the most exciting; as one of the newest points systems available, these miles are worth 1.8 cents each. Earning 2x miles would be equivalent to a 3.6% return on spending.

You can use Capital One miles for cash-back, statement credits, travel booked through Capital One Travel, merchandise, and even gift cards.

In order to maximize your rewards and get better value, transfer your points to travel partners to book luxury business and first class flights!

Bottom Line: Having a credit card that earns at least 2% cash-back or 2 points per $1 spent on groceries is great. But it’s even better if the card has additional bonus earning categories or flat-rate earnings on every purchase you make.

5. Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
21.24% - 29.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great sign-up bonus, high rewards rates, and flexible redemption options.

Pros

  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • 2 complimentary visits to a Capital One Lounge or Plaza Premium Lounges each year
  • Global Entry or TSA PreCheck credit
  • No foreign transaction fees
  • Access to Capital One transfer partners

Cons

  • $95 annual fee
  • Limited elite benefits
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
  • Use your miles to get reimbursed for any travel purchase – or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

  • APR: 21.24% - 29.24% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

If you want the simplicity of not having to keep track of or register for ongoing bonus categories and don’t need the flashy luxury travel benefits from the Capital One Venture X card, the Capital One Venture card still earns 2x miles per dollar spent on every purchase.

The benefits list on this card is pretty lean, but it includez additional cards for no fee and access to American Express Experiences (rates and fees).

You’ll still get up to $100 Global Entry/TSA PreCheck application fee credit, 2 free visits to Capital One Lounges or Plaza Premium Lounges every year, and these additional earning categories:

  • 5x Capital One miles on hotels and rental cars booked through Capital One Travel

While you’re traveling, you’ll enjoy benefits such as Hertz Five Star status, travel insurance, and rental car coverage.

To wrap up this card, it has purchase protection, extended warranty, zero fraud liability, no foreign transaction fees, no added fees for authorized users, and virtual card numbers from Eno.

6. Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees

Blue Cash Everyday® Card from American Express

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Blue Cash Everyday® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros

  • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
  • Monthly credit towards The Disney Bundle
  • Monthly credit towards Home Chef

Cons

  • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.

Financial Snapshot

  • APR: 0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

Card Categories

If you’d prefer to have a credit card that’s less expensive to own (this card doesn’t have an annual fee) but you still want those U.S. supermarket rewards (3% back at U.S. supermarkets, up to $6,000 in purchases each year), try the Amex Blue Cash Everyday card.

You’ll also earn 3% cash-back at U.S. gas stations (up to $6,000 in purchases each year), 3% cash-back at U.S. online retailers (up to $6,000 in purchases each year), and 1% cash-back everywhere else.

The benefits list on this card isn’t huge, but there are some bright spots — additional cards are included for no fee, you’ll get access to American Express Experiences (rates and fees), and there are monthly credits for eligible Disney Bundle subscriptions (enrollment required) and Home Chef purchases (enrollment required).

7. Chase Sapphire Preferred Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros

  • 5x points on all travel booked via the Chase Ultimate Rewards portal
  • 5x points on select Peloton purchases over $250 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
  • $50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
  • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
  • Excellent travel and car rental insurance
  • 10% annual bonus points
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
  • Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)

Cons

  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

The freshly updated Chase Sapphire Preferred card now offers 3x Ultimate Rewards points per $1 spent on online grocery purchases. So if you find yourself doing mostly online grocery shopping, this is a fantastic choice for you.

Cardmembers also get a complimentary 6-month membership to Instacart+ and a $15 quarterly credit.

In addition, it earns:

  • 5x Ultimate Rewards points on travel booked through Ultimate Rewards
  • 5x Ultimate Rewards points on Lyft through March 31, 2025
  • 3x Ultimate Rewards points on select streaming services
  • 2x Ultimate Rewards points on all other travel purchases
  • 1x Ultimate Rewards points on all other purchases

As part of its suite of benefits, there’s an annual $50 hotel credit towards hotel stays booked via the Chase travel portal, complimentary DoorDash DashPass membership, and a 25% redemption bonus for bookings through Ultimate Rewards.

It doesn’t end there — after every account anniversary year, you will get a 10% annual points bonus.

Lastly, this card has amazing travel insurance, no foreign transaction fees, and authorized users for no added fees.

Why We Like Earning Chase Ultimate Rewards Points

We love earning Chase Ultimate Rewards points because we value them at a whopping 2 cents per point.

So if you earn 3x points (including the 10% annual points bonus and the 3x points on online grocery purchases), your return on spending would be a staggering 6.2%.

You can easily exceed that redemption value if you transfer your points to Chase transfer partners and book luxury award travel.

There are other ways to redeem your points like cash-back, gift cards, charity, and at Amazon.com, but you won’t get anywhere near the best redemption value possible.

8. Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.
Additional 1.5% cash-back
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Don’t forget too, there’s 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Ultimate Rewards
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
  • No annual fee
  • Earn big on travel purchased through Chase Ultimate Rewards
  • Everyday bonus on dining and drugstores
  • Straightforward cash-back on all other purchases
  • Ability to pool points

Cons

  • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

One of the best no-annual-fee credit cards in the business, the Freedom Unlimited card has a ton to offer to its cardholders.

When it comes to grocery shopping cardmembers get a complimentary 3-month membership to Instacart+ and a $10 quarterly credit.

The Freedom Unlimited card earns 1.5% cash-back all non-bonus purchases, which includes groceries, but those earnings become more valuable when paired with a premium Chase card such as the Chase Sapphire Preferred card or Chase Sapphire Reserve®.

That’s because the cash-back can be transferred to your Ultimate Rewards earning card as points. Earning 1.5% cash-back and then converting your rewards to 1.5x Ultimate Rewards points is equal to a return on spending of 3%!

In addition, you’ll notice that you can also earn 5% cash-back on travel booked through the Chase travel portal, 3% cash-back at drugstores, and 3% cash-back at restaurants.

This card also comes with benefits such as purchase protection, extended warranty, secondary rental car insurance, fraud alerts, zero liability fraud protection, and no fees for authorized users.

The 3 Best Business Credit Cards for Groceries and Supermarket Purchases

Card Summary

CardWelcome Bonus and Annual FeeBenefits for Groceries and Supermarket Purchases
The Blue Business® Plus Credit Card from American Express

2x Membership Rewards points on all purchases, up to $50,000 in purchases per year (then 1x)

Capital One Spark Miles for Business
  • Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months.
  • Annual fee of $0 intro for the first year, $95 after that
2x Capital One miles on all purchases
Ink Business Unlimited® Credit Card
  • NEW OFFER: Earn $900 cash-back after spending $6,000 on purchases in the first 3 months.
  • Annual fee of $0
1.5% cash-back on all purchases

 

0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

1. The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees

The Blue Business® Plus Credit Card from American Express

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)

The Blue Business® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
N/A
N/A
$0
$0
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros

  • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
  • Purchase protection and extended warranty protection
  • No annual fee and employee cards at no additional cost

Cons

  • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
  • No elite travel benefits like lounge access or elite status
  • Charges foreign transaction fees
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus is the small business owner’s best friend. You’ll accumulate 2x Membership Rewards points per dollar spent on everyday business purchases, up to $50,000 per calendar year.

That’s equal to a return on spending of 4.4%! After that $50,000 cap, your rewards will drop down to 1x Membership Rewards points.

This card comes with benefits such as no additional fees for employee cards, and Expanded Buying Power (rates and fees).

2. Capital One Spark Miles for Business

Capital One Spark Miles for Business

Capital One Spark Miles for Business

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

Capital One Spark Miles for Business

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
26.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

 

Pros

  • Unlimited 2x miles per $1 spent on all purchases
  • 5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
  • 2 complimentary visits to a Capital One Lounge per year
  • Up to a $100 Global Entry or TSA PreCheck credit
  • Access to Capital One transfer partners
  • No foreign transaction fees
  • Free employee cards
  • Extended warranty coverage

 

Cons

  • Annual fee: $0 intro for the first year, $95 after that

 

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

 

Financial Snapshot

  • APR: 26.24% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

 

The Capital One Spark Miles card is an exceptional choice for business owners who spend more on their business (including groceries and at supermarkets) and need uncapped rewards.

This card is great for business owners if you want streamlined rewards to earn transferable points — you’ll get 2x Capital One miles on every purchase!

That’s equivalent to a return on spending of 3.6%, based on our valuations.

It’ll also earn you 5x miles on rental cars and hotels booked through Capital One Travel and offers up to $100 Global Entry/TSA Precheck application fee credit.

Expect not to pay any foreign transaction fees or employee card fees. There’s also purchase protection, extended warranty, zero liability fraud protection, and virtual cards from Eno.

3. Ink Business Unlimited® Credit Card

NEW OFFER
Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Cash® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$900
$900
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros

  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • Earn flexible rewards

Cons

  • 3% foreign transaction fee
  • Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

The Ink Business Unlimited card is an awesome choice because of its attractive (and simple) earning potential, a huge welcome bonus, and more.

You’ll earn an unlimited 1.5% cash-back on all your purchases, which is convertible to 1.5x Ultimate Rewards points if you have a credit card like the Chase Sapphire Preferred card, Chase Sapphire Reserve card, or Ink Business Preferred® Credit Card.

Having one of those credit cards in addition to the Ink Business Unlimited card would net you a return on spending of 3% instead of 1.5%!

Looking at the card’s other benefits, you’ll find purchase protection, extended warranty, primary car rental insurance, zero liability fraud protection, no fees for employee cards, and more.

Maximizing Grocery Store Rewards

Most grocery stores sell more than groceries. Here are some ideas on how to maximize earnings each time you make a shopping trip to your local supermarket.

Maximize Earnings With Gift Card Purchases

Nearly every major grocery store sells gift cards. Whether you’re able to buy the gift cards with your credit card and earn rewards will depend on the store’s policy.

The list of gift cards you’ll find sold at grocery stores is nearly endless, and can include the following:

  • The store’s own gift card (Safeway, Giant, Albertsons, etc.)
  • Other grocery stores such as Whole Foods
  • Chain restaurants (Panera, Olive Garden, Chili’s, etc.)
  • Entertainment (Netflix, Fandango, iTunes, etc.)
  • Home/garden (Lowes, Tractor Supply Co., etc.)
  • Retail merchant gift cards
  • Specialty retailers (Amazon)
  • Transportation/travel (Uber, Southwest Airlines, Hotels.com, etc.)
  • Visa/MasterCard/American Express gift cards

If your grocery store allows you to purchase with a credit card, you may be able to purchase Visa, Mastercard, and American Express gift cards that can be used to pay other bills such as insurance, utilities, and medical bills.

Keep in mind that Visa, Mastercard, and American Express gift cards carry fees, so you would only purchase them to meet initial minimum spending requirements for card welcome bonuses — or when the amount of any rewards earned exceed the amount of the fees.

Purchasing gift cards (at grocery stores) that you’ll use in the future, for your own purchases or as gifts, is a way to earn more rewards on the spending you’re doing already.

Be sure to start with a small purchase and check your statement to ensure you’re earning rewards prior to making any significant gift card purchases.

To learn more about the best cards for purchasing gift cards, we have more information in our article on the topic.

Bottom Line: If your supermarket will allow you to purchase gift cards with your credit card, you may be able to earn even greater rewards. 

Earn More at the Grocery Store With These Additional Purchases

Perhaps you have a local grocery store that’s more like a department store: it has everything you need including clothing, electronics, outdoor furniture, and much more.

To maximize your supermarket rewards, consider purchasing items you wouldn’t earn rewards on elsewhere.

Here are some of the items grocery stores may carry in addition to groceries:

  • Automotive items
  • Baby gear
  • Bakery, deli, and catering for office functions/parties
  • Bedding
  • Clothing
  • Home decor
  • Lawn maintenance supplies
  • Patio furniture
  • Pet supplies
  • Pharmacy, medicine, wellness
  • Tools

Bottom Line: If you’re earning rewards on your supermarket purchases, consider purchasing additional items at supermarkets that you would have normally purchased elsewhere without earning rewards. 

Final Thoughts

According to the most recent 2022 USDA statistics, the average household family of 4 spends between $1,267 and $1,645 per month on food at home.

Let’s ballpark that to an estimate of $1,500 per month for an annual expense of $18,000 spent each year (not including eating out, which is another expense that could be earning rewards). If you’re spending that much money on groceries (or other supermarket purchases) and not earning rewards, it makes sense to consider a credit card that earns on those purchases.

You’ll need the discipline to pay off your card each month, of course, but you’ll end up with cash-back, points, or miles that can be turned into something of value you wouldn’t have had otherwise.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
For rates and fees of the Blue Cash Everyday® from American Express, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.

Frequently Asked Questions

If you spend a lot on groceries, the best card for earning rewards on grocery/supermarket purchases will be one that delivers the most rewards for the amount you spend. You’ll have to start by estimating how much you spend annually and do the math.

We love the Amex Gold card, Amex Blue Cash Preferred card, Citi Premier card, Capital One Venture X card, Capital One Venture card, Amex Blue Cash Everyday card, Chase Sapphire Preferred card, and Freedom Unlimited card.

If you’re shopping at grocery stores and supermarkets for business, the best choices are the Amex Blue Business Plus card, Capital One Spark Miles card, and Ink Business Unlimited card.

No, Walmart does not normally count as a grocery store and will not earn bonus rewards. Occasionally, however, you will find Walmart listed as a bonus category on credit cards that have quarterly rotating bonus categories.

You’ll normally have to register in advance to be eligible, but once you have one of these credit cards you will receive reminder notices to do so. An example of a credit card with quarterly bonus categories is the Chase Freedom Flex℠ Credit Card.

Credit cards that reward purchases at supermarkets do so by giving you cash-back, points, or miles for spending on the credit card for those purchases.

For example, if you have a credit card that pays 3% cash-back on groceries and you spend $200 on groceries, you’ll receive cash-back of $6.

Many credit cards that reward grocery purchases also reward other spending such as at gas stations, department stores, and restaurants.

Over the course of a year, you could earn several hundred dollars in rewards just for the spending you’re already doing.

It is possible to get a credit card even if you have bad credit. Secured credit cards are designed specifically for those who have no credit or bad credit.

Because you’ll be building or rebuilding credit, the credit card issuer requires you to put down a security deposit that they will hold while they extend credit to you.

About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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8 comments

Lance D Brady

October 01, 2019

Which 3 cards were you referring to in your hot tip for maximizing all the categories to get that money back? I know one was obviously the Freedom but the other two I did not know unless I missed something. Thanks for the great article.

Christine Krzyszton

October 02, 2019

Hi Lance. Thanks for reading and for the kind words. I was referring to the Discover cards and the Freedom, however, the Discover cards, which are excellent for quarterly supermarket categories had to be removed from the table for compliance reasons.

Brent

February 16, 2020

Christine, you are not clear on what the third card is.. I guess there are TWO Discover IT cards.. but you do not mention that in the article.. in fact you mention Freedom and Discover IT… then you say that there are 3 cards. This is what Lance wanted more clarification on.

Christine Krzyszton

February 16, 2020

Hi Brent. You are correct that the Discover cards are the other 2 cards but they had to be removed from the table due to compliance reasons. I’ll update my previous answer to
reflect this. Thanks so much.

Virginia Darr

May 01, 2020

What supermarkets does American Express give you 4x the points for? What do I have to do to get the extra points?

Hi Virginia. The earnings are automatic, no need to register. Here is a link to the list of supermarkets:https://www.americanexpress.com/us/rewards-info/retail.html

Joshua Han

October 05, 2020

Do all grocery store purchases earn grocery store bonuses or just certain items purchased at grocery stores?

Christine Krzyszton

October 05, 2020

Hi Joshua. If a store has a supermarket/grocery store merchant code, all purchases made there would receive bonus earnings. Thanks for your question.

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