If you’re like me and you spend a decent chunk of money each month on grocery bills, then you may want to consider putting those expenses on a credit card that earns you travel points. What are the best credit card or cards for grocery shopping?
I’m going to share with you two cards from American Express that earn Membership Rewards and two cards from Chase that earn Ultimate Rewards. The points you earn with any of these cards are very flexible and can be used towards a variety of travel, you won’t be locked into one specific airline. Because of this, they hold a lot of value. So here they are, my top picks for the best travel reward credit cards for grocery shopping.
The American Express Gold Card earns 4 points for each dollar spent at grocery stores! This caps out after you spend $25,000 annually on groceries, after that it goes to 1 point per dollar spent. Keep in mind that warehouses or superstores like Target and Walmart won’t earn 4x the points. This just applies to supermarkets. This card also earns 4x the points at restaurants, 3x the points on flights booked directly with an airline or through Amex Travel, and 1 point on all other purchases.
The Amex Gold Card has a steep annual fee of $250 but some great perks to offset that fee. One perk of this card is the $120 dining credit. This is a monthly credit of $10 towards places like The Cheesecake Factory, GrubHub, Boxed, and more. Another perk is $10/month towards Uber. This can be used on Uber Eats too and gets me a free lunch every month. Just these two benefits pay for $240 of my annual fee so it is essentially almost free!
If the annual fee on the Amex Gold is too steep for you, consider the American Express Everyday Preferred, which has an annual fee of $95. It also has a nice signup bonus of 20,000 points. It earns 3x points at grocery stores, 2x points at gas stations, and 1 point on everything else.
The downside, besides earning one point less than the Amex Gold at grocery stores, is that after you spend $6,000 in a year on groceries, it goes down to 1 point per dollar spent. A unique benefit of this card is that if you use the card more than 30 times in a billing cycle you will earn 50% more points on those purchases!
The Chase Freedom Unlimited card is a no annual fee card is technically a cashback credit card but it actually earns Ultimate Rewards. What’s great about this card is that it earns 3 points for every dollar you spend up to $20,000 in the first year. After you spend $20,000 or you’ve had the card for a year (whichever comes first) that 3x the points will drop to 1.5x. If you max out that 3x in the first year you’d have 60,000 Ultimate Rewards! This is the card that I use the most. I combine the points I earn from this card with the points I earn from my Chase Sapphire Preferred (CSP).
The no annual fee Chase Freedom Flex credit card is also a cashback card but earns Ultimate Rewards. When you sign up for the card you’ll earn $2000 (or 20,000 Ultimate Rewards) after spending $500 in three months. It earns a whopping 5 points per dollar spent on groceries (except at Walmart and Target) up to $12,000 the first year.
It earns 3% cash back on dining at restaurants, including takeout and eligible delivery service, 3% cash back on drugstore purchases and This card earns 1% on all other purchases. BUT each quarter it offers rotating category bonuses that earn 5 points on each dollar spent! These rotating categories vary between things like grocery stores, gas stations, warehouse stores, and more! The current bonus categories for this quarter are gas stations and select streaming services. One thing to note is you have to log into your account and activate these bonuses each quarter or else you will just earn 1x the points.
So there you have it, my top four picks for best travel reward credit cards for grocery shopping. There are other strictly cash back cards that have good earning potential at grocery stores, like the Amex Blue Cash Preferred. But, since this is a travel blog and travel points tend to give you a much higher return than cashback cards, I’m not gonna get into all of those 🙂
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