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Grocery Credit Cards of March 2023

Apply for an Grocery сredit сards. On 27.03.2023 you have access to 7 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.

Offers: 7

Updated:
20.02.2023
06:28
BEST CREDIT CARD FOR E-SHOPPING
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

18.49 – 26.49 %
American Express
Blue Cash Everyday® Card®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

18.49 – 29.49 %
BEST CREDIT CARD FOR GAS
Citi
Citi Custom Cash Card®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

18.24 – 28.24 %
Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
American Express
American Express® Gold Card
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

18.99 – 25.99 %
BEST CREDIT CARD FOR GROCERIES
American Express
Blue Cash Preferred®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

18.49 – 29.49 %

Credit Card Online Application of March 2023

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Card limit
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Specify the loan term for the calculation

500 $
15000 $
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Konstantin T
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Other Credit Cards offers on 27.03.2023

How To Get Grocery Credit Cards

1. Fill out your application
1. Fill out your application

On our website you can fill out a short application form for a credit card.

2. Pass a credit check
2. Pass a credit check

We will offer you to check your credit score online for free.

3. Send your application online to the suggested companies
3. Send your application online to the suggested companies

After checking your credit rate, you will be able to send your loan application to the appropriate companies.

4. Wait for a response from the lender
4. Wait for a response from the lender

If necessary, the lender will contact you to clarify the details.

5. Get your credit card!
5. Get your credit card!

Sign the agreement and get the card

Apply for a credit card Your data is securely protected

Reviews

Amscot
2.4
Oliver H
Oliver H
15.03.2023 at 06:05
I was surprised that despite earning $120,000 per year, I could only qualify for a payday loan of $300...
Review
Amscot
2.4
James J
James J
28.02.2023 at 09:05
After using Advance America in Holly Hill for the past two years, I decided to try Amscot again, which I hadn't used in years...
Review
Rocket Mortgage
3.6
Asher H
Asher H
25.02.2023 at 20:25
Despite reading many positive reviews about this company, I had an absolutely terrible experience with them...
Review
Amscot
3.2
Mason S
Mason S
25.02.2023 at 04:45
As a first-time customer of this business, I had a positive experience overall. I requested a loan of $500, as I typically do with another company I've been doing business with in Daytona...
Review
Veterans United
4
Isabella S
Isabella S
25.02.2023 at 02:30
Levi and his team at VU provided me with fast and professional service...
Review
Rocket Mortgage
3.4
Olivia S
Olivia S
23.02.2023 at 23:25
I strongly advise against selling your house through this company or letting a friend use their services. They will attempt to take thousands of dollars from you...
Review
Grocery Credit Cards of March 2023

What is a Grocery Credit Card?

A grocery credit card is a type of credit card specifically designed for use at grocery stores. This type of card typically offers rewards and incentives for grocery store purchases, such as cash back or points that can be redeemed for discounts or other benefits. Some credit cards for groceries may also offer exclusive discounts and savings opportunities at specific grocery chains or retailers.

Different financial institutions, including banks, credit unions, and retailers, offer grocery credit cards. To use a grocery credit card, you simply swipe or insert the card into a card reader at the checkout of a grocery store. You will need to enter your PIN number or sign for the purchase, and the amount of your purchase will be deducted from your credit limit.

Types of Grocery Credit Cards

Grocery credit cards are a type of credit card that offer rewards and incentives for grocery purchases. They are designed to help you save money on your grocery bills and earn rewards or benefits for your spending. In the USA, there are several types of grocery credit cards available, each with its own features and benefits.

  1. Cash back grocery credit cards. These cards offer cash back rewards for grocery purchases, usually a certain percentage of the purchase price. For example, a card may offer 3% cash back on all grocery purchases, allowing you to earn rewards simply by using the card to buy groceries.
  2. Grocery store-specific credit cards. These cards are tied to specific grocery chains or retailers, such as Walmart, Target, or Safeway. They offer discounts and savings opportunities at these retailers, as well as rewards or other benefits for shopping there. For example, you may be able to earn points for every dollar you spend at the grocery store, which you can then redeem for discounts on future purchases.
  3. Co-branded grocery credit cards. The cards are co-branded with a grocery chain and a financial institution, like a bank or credit union. They offer rewards and benefits for shopping at the grocery store, as well as other perks and features, such as travel rewards or extended warranty protection. For example, you may be able to earn miles or points for $1 you spend at the grocery store, which you can then redeem for flights, hotel stays, or other travel-related purchases.
  4. Rewards credit cards with grocery rewards. These cards offer rewards or points for a variety of purchases, including groceries. They are not tied to a specific grocery chain or retailer but instead offer rewards for grocery purchases anywhere that the card is accepted. For example, you may be able to earn points for $1 you spend on groceries, which you can then redeem for discounts or other benefits.
  5. Premium grocery credit cards. These cards offer a wide range of benefits and rewards, including premium travel rewards, concierge services, and other high-end perks. They often have higher fees and interest rates than other types of credit cards, but they also offer more valuable rewards and benefits.

Best Grocery Credit Cards

Blue Cash Everyday Card from American Express

The Blue Cash Everyday Card from American Express is a cash back credit card that offers rewards and benefits for grocery purchases, among other spending categories. It is a good choice for anyone who spends a lot of money on groceries and is looking for a cash back credit card with no annual fee.

Rewards: A 3% cash back on online retail purchases, 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on other purchases.

Benefits: A 0% introductory APR is available on purchases for the first 15 months. You get access to American Express's Membership Rewards program, which allows you to earn and redeem points for a wide range of rewards and experiences. There are also purchase protection, extended warranty protection, and other features offered by American Express's Card Member Benefits program.

APR: The Blue Cash Everyday Card has a variable APR for purchases and balance transfers, which is currently 15.24%.

Fees: There is no annual fee. A 3% balance transfer fee, 2.7% foreign transaction fee, and late payment and returned payment fees may apply.

Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express is a cash back credit card that offers higher rewards and benefits for grocery purchases, among other spending categories. The card is suitable for anyone who spends a lot of money on groceries and is looking for a cash back credit card with higher rewards.

Rewards: A 6% cash back at U.S. supermarket purchases and select U.S. streaming subscriptions, a 3% cash back at U.S. gas stations and on transit, and 1% cash back on other eligible purchases.

Benefits: You receive a 0% introductory APR on purchases for the first 12 months. Access to American Express's Membership Rewards program allows you to earn and redeem points for a wide range of rewards and experiences. Additionally, you get purchase protection, extended warranty protection, and other features offered by American Express's Card Member Benefits program.

APR: The Blue Cash Preferred Card has a variable APR for purchases and balance transfers, which is currently 15.24%.

Fees: A $95 annual fee, a 3% balance transfer fee, and a 2.7% foreign transaction fee. Late payment and returned payment fees may apply.

American Express Gold Card

The American Express Gold Card is a premium rewards credit card that offers benefits and rewards for grocery purchases, among other spending categories. The card suits cardholders spending a lot of money on groceries, dining, and travel and is looking for a premium rewards credit card.

Rewards: The card earns 4x Membership Rewards points on U.S. supermarkets and restaurants, 3x Membership Rewards points on flights booked with airlines or through American Express Travel, and 1x Membership Rewards points on other purchases.

Benefits: You get a $120 dining credit each year and a $100 airline fee credit each year for incidental fees such as baggage fees and in-flight purchases. Access to American Express's Membership Rewards program allows you to earn points for a wide range of rewards and experiences. Purchase protection, extended warranty protection, and other features are offered by American Express's Card Member Benefits program.

APR: The American Express Gold Card has a variable APR for purchases and balance transfers, which is currently 15.24%.

Fees: A $250 annual fee, a 3% balance transfer fee, and a 2.7% foreign transaction fee. Late payment and returned payment fees may apply.

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is a cash back credit card that offers rewards and benefits for purchases made on Amazon, including groceries.

Rewards: A 5% back at Amazon and Whole Foods Market, 2% back at restaurants, drugstores, and gas stations, and 1% back on other purchases.

Benefits: You receive a $70 Amazon Gift Card instantly upon approval, 0% introductory APR on purchases for the first 12 months, and access to exclusive cardmember events.

APR: The card has a variable APR for purchases and balance transfers, which is currently 16.49%.

Fees: There is no annual fee. The card has a 3% balance transfer fee. Late payment and returned payment fees may apply.

SavorOne Cash Rewards Credit Card

The SavorOne Cash Rewards Credit Card is a cash back credit card that offers rewards and benefits for purchases, including groceries.

Rewards: A 3% cash back on dining, including takeout and delivery, 2% cash back at grocery stores, and 1% cash back on all other purchases.

Benefits: You get a 0% introductory APR on purchases for the first 15 months and Mastercard Platinum benefits, such as extended warranty protection, 24/7 concierge service, and more.

APR: The SavorOne Cash Rewards Credit Card has a variable APR for purchases and balance transfers, which is currently 15.74% - 25.74%.

Fees: There is no annual fee and no foreign transaction fees. You will pay a 3% balance transfer fee. Late payment and returned payment fees may apply.

Bank of America Customized Cash Rewards Credit Card

The Bank of America Customized Cash Rewards Credit Card is a cash back credit card that offers rewards and benefits, including for purchases made on groceries.

Rewards: The rewards program allows you to choose the bonus categories that best fit your spending habits and can help you maximize your rewards earnings. You earn up to 3% cash back on your choice categories, such as gas, online shopping, dining, travel, drugstores, or home improvements. A 2% cash back is available at grocery stores and wholesale clubs, and 1% cash back on all other purchases.

Benefits: A 0% introductory APR on purchases for the first 12 billing cycles and customizable cash back bonus categories. Bank of America Preferred Rewards clients can earn 25% - 75% more cash back on every purchase.

APR: The Bank of America Customized Cash Rewards Credit Card has a variable APR for purchases and balance transfers, which is currently 16.24% - 26.24%.

Fees: No annual fee and a 3% balance transfer fee. Late payment and returned payment fees may apply.

Citi Custom Cash Card

The Citi Custom Cash Card is a cash back credit card that offers rewards and benefits for purchases, including groceries.

Rewards: You earn 5% cash back on your choice categories, such as travel, dining, gas stations, select entertainment, or home improvement/furnishings. A 2% cash back is available at grocery stores and drugstores, and 1% cash back on all other purchases.

Benefits: There is 0% introductory APR on purchases for the first 18 months and customizable cash back categories, so you can choose the bonus categories that best fit your spending habits. Citi Private Pass allows you access to presale tickets and VIP experiences for concerts, sports events, and more.

APR: The Citi Custom Cash Card has a variable APR for purchases and balance transfers, which is currently 14.74% - 24.74%.

Fees: There is no annual fee and a 3% balance transfer fee. Late payment and returned payment fees may apply.

Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card is a cash back credit card that offers rewards and benefits for purchases, including groceries.

The card is a cash back credit card that offers rewards and benefits for purchases, including groceries. 

Rewards: A 4% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases.

Benefits: You receive a $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening. An 0% introductory APR on purchases is available for the first 9 months. Capital One shopping gives you access to exclusive discounts and deals from popular brands.

APR: The Capital One Savor Cash Rewards Credit Card has a variable APR for purchases and balance transfers, which is currently 15.99% - 24.99%.

Fees: There is no annual fee and a 3% balance transfer fee. Late payment and returned payment fees may apply.

Pros and Cons of Grocery Credit Cards

Pros

  • Rewards. Grocery rewards credit cards often offer rewards for purchases made at grocery stores and supermarkets. These rewards can come as cash back, points, or miles and can help you save money on your grocery bills.
  • Convenience. Using a grocery credit card can make shopping at your local grocery store or supermarket more convenient. You won't need to carry cash or write a check, and you can easily track your spending.
  • Special offers and discounts. Many grocery credit cards offer special offers and discounts at grocery stores and supermarkets. These can include discounts on certain items or discounts on your entire purchase.
  • Build credit. By using a grocery credit card responsibly, you can help build your credit history and credit score. This can make it easier to qualify for loans or other types of credit in the future.

Cons

  • Fees. Some grocery credit cards come with annual fees, balance transfer fees, and other types of fees. These fees can add up quickly and eat into your rewards earnings.
  • High interest rates. Grocery credit cards often have high interest rates, which can make it expensive to carry a balance from one month to the next. If you don't pay your balance in full each month, you may end up paying more interest charges than you earn in rewards.
  • Limited rewards. While grocery credit cards offer rewards for purchases made at grocery stores and supermarkets, these rewards may not be as generous as rewards offered by other types of credit cards. Additionally, rewards may not be offered for all types of purchases made at grocery stores or supermarkets.
  • Limited acceptance. While grocery stores and supermarkets are widespread, some grocery credit cards may not be accepted everywhere. This can make it difficult to use your card when traveling or shopping at certain stores.
  • The temptation to overspend. Having a grocery credit card can make it easier to overspend, especially if you are using it to buy groceries and other necessities. This can lead to high credit card balances and debt.

How to Choose a Credit Card for Groceries

Choosing a grocery shopping card can be a great way to save money and earn rewards on your grocery purchases. With so many options available, it's difficult to determine which card is right for you. These are some key factors to consider when choosing a credit card for groceries:

  1. Rewards. Look for a card that offers bonus rewards for purchases made at grocery stores and supermarkets. Consider the type of rewards offered, such as cash back, points, or miles, and the rate at which you can earn rewards. Some cards may offer higher rewards for purchases made at specific stores or for specific types of purchases.
  2. Fees. Consider the fees associated with each card, including annual fees, balance transfer fees, and other types of fees. Some cards may offer no annual fee, while others may charge a higher fee in exchange for more generous rewards or other benefits.
  3. Interest rates. Consider the interest rates associated with each card. Some cards may have high interest rates, which can make it expensive to carry a balance from one month to the next. If you plan to pay your balance in full each month, a high interest rate may not be as important to you.
  4. Special offers and discounts. Look for a card that offers special offers and discounts at grocery stores and supermarkets. These can include discounts on specific items or discounts on your entire purchase.
  5. Convenience. Consider the convenience of using each card. Some cards may be more widely accepted at grocery stores and supermarkets or may offer more flexible payment options.
  6. Credit score. Consider your credit score when choosing a card. Some cards may require a high credit score, while others may be more accessible to those with a lower credit score.
  7. Customer service. Look for a card with a strong customer service record. Consider the quality of customer service offered by each card issuer, and look for a card that provides easy access to support and assistance when needed.

By considering these factors, you can ensure that you choose a grocery rewards credit card for groceries that is right for you and your needs. Before you apply for a card, be sure to read the terms and conditions carefully and consider the overall cost of using the card over time, including fees and interest rates.

FAQ

Which is the best credit card for grocery shopping?

Some popular options include the Blue Cash Preferred Card from American Express, the Savor Cash Rewards Credit Card, the Capital One Savor Cash Rewards Credit Card, and the Amazon Prime Rewards Visa Signature Card. Compare the rewards, fees, APR, and other benefits offered by each card to determine which one is best for you.

What is the best credit card for Amazon groceries?

The best credit card for Amazon groceries is often the Amazon Prime Rewards Visa Signature Card. This card is designed specifically for Amazon customers and offers a 5% cash back reward on Amazon purchases, including groceries. Additionally, cardholders receive a $70 Amazon Gift Card instantly upon approval and receive 2% cash back on purchases made at restaurants, drugstores, and gas stations, as well as 1% cash back on all other purchases. This card has no annual fee for Amazon Prime members and provides several other benefits, such as extended warranty protection and travel insurance.

Is it better to use credit or debit for groceries?

Whether it is better to use credit or debit for groceries depends on several factors, including your grocery spending habits, personal financial goals, and the type of card you have. Credit cards can offer rewards and benefits, such as cash back or points, for grocery purchases. They also come with the risk of overspending and building up debt if you don't pay off your balance in full each month. Debit cards provide a straightforward way to spend money from your bank account without the risk of accruing debt. However, they rarely offer the same rewards and benefits as credit cards.

How do you use credit cards in grocery stores?

Using a credit card for grocery store spending is simple and straightforward. When you're ready to pay, simply present your credit card to the cashier and sign the receipt or enter your PIN if required. If the store has a chip-enabled card reader, you'll need to insert your card and leave it in the reader until the transaction is complete. If the store has contactless payment options, such as Apple Pay or Google Pay, you can also use your phone or smartwatch to complete the transaction.