These 5 Credit Cards Earn Grocery Rewards That Could Help Offset High Food Costs – The Motley Fool

A person walking down the street with a grocery bag while reading a receipt.

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While food costs may continue to stay high, you can use a rewards credit card when buying groceries to earn cash back or other valuable rewards.


Key points

  • Grocery prices continue to climb across the United States. 
  • Some grocery credit cards earn up to 6% in rewards. 
  • Find out which cards to use at the grocery store checkout line. 

Even if you’re aware that prices are higher due to inflation, you might be in shock once you see prices at the grocery store. It may feel like the prices get higher every time you shop. You can offset the high cost of groceries by using a rewards credit card to earn rewards on your spending. Here are five grocery credit card options that will earn you rewards: 

1. Blue Cash Preferred® Card from American Express

If you’re looking for a rewards card with excellent earning potential, the Blue Cash Preferred® Card from American Express is a good fit. You can earn 6% cash back at U.S. supermarkets on up to $6,000 in spending per calendar year. This card is a great option, especially for families who likely spend several hundreds of dollars on groceries every month. 

2. American Express® Gold Card

The American Express® Gold Card is an excellent option for people who want to earn grocery and restaurant rewards. You’ll earn 4 points per $1 on restaurant purchases, U.S. takeout and delivery purchases, and U.S. supermarket purchases. 

The 4 points per $1 earning rate is capped at up to $25,000 in spending per calendar year for grocery purchases. However, that is a much higher cap than most other rewards cards. 

3. Blue Cash Everyday® Card from American Express

With the Blue Cash Everyday® Card from American Express, you’ll earn 3% cash back on up to $6,000 in spending per calendar year at U.S. supermarkets. This card also has no annual fee. 

4. Citi Premier® Card

The Citi Premier® Card is another credit card that will reward you well when you make grocery and restaurant purchases. You’ll earn 3 points per $1 at restaurants and supermarkets, and rewards are unlimited. 

5. Amazon Prime Rewards Visa Signature Card

If you’re an Amazon Prime member and have Whole Foods in your area, this may be the right grocery rewards card for you. The Amazon Prime Rewards Visa Signature Card earns 5% back in rewards on Amazon and Whole Foods spending, as long as you remain an Amazon Prime member. There is no spending cap on these rewards categories. 

Think about how you’ll pay for your next grocery trip before going to the store. If you use the right credit card, you could earn valuable rewards. 

Review our best grocery credit cards list for additional reward card options. 

Tips to save money on grocery spending 

If you’re feeling uneasy about the high cost of groceries, these tips may help you save more: 

  • Don’t ignore sales fliers. Even though food costs are high right now, most grocery stores still publish weekly sales fliers. As you make your shopping list, plan your meals for the week based on what items are on sale.
  • Join your local grocery store rewards program. Many grocery stores have free loyalty programs. You may be able to earn rewards and get extra discounts and deals as a member. It takes only a few seconds to sign up for these programs. 
  • Give grocery pickup a try. If you regularly buy more than you need, you may want to give grocery pick up a try. Most stores offer this service for free. It may also help cut down on unnecessary spending and save you time.  
  • Avoid shopping hungry. If you shop while you’re hungry, your stomach may guide your purchase decisions. If you want to avoid buying extra items you don’t need, go to the store after you’ve already eaten. 

Higher grocery costs are now the norm, but you can change your habits to reduce spending and pay with a credit card to earn rewards. If you’re looking for additional money-saving guidance, check out these personal finance resources

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