9 best credit cards for groceries, utilities & gas in 2022
Choosing a credit card for your grocery shopping can be a challenging task in 2022. With so many options available in the market, you will need to figure out which one will work best for you. Each credit card has its pros and cons, and you need to choose one that will give you value for money. Here are the ten best credit cards for grocery shopping that you can use to save you some money.
How to Pick the Best Grocery/ utilities/ Gas Credit Card for Your Spending Habits?
The average American household has $15,000 in credit card debt. And that’s just the ones who know how much they owe! It’s important to know where you stand with your credit score before applying for a new credit card because it could affect your chances of approval or what kind of APR you’ll get.
There are so many different things to consider when picking a credit card: whether it’s cashback rewards or no annual fee, but also whether it has an annual percentage rate (APR) that’s too high for your budget.
First, you should consider your grocery store preference and a specific store that you frequent more than others. For example, if you shop at Trader Joe’s often but do not like to get gas there, consider getting a card with no annual fee and no rewards for gas purchases.
Second, think about what kind of rewards program you want to join. You can find cards that offer cashback or points per dollar spent with specific stores or even all stores in general. You can also find cards with rotating reward categories so that every quarter the reward changes depending on the category your spending fits into.
Ten best credit cards for groceries in 2022 to get the best rewards
The credit cards recommended in this article are great for people who like to keep their grocery shopping costs low. As we all know, the best way to make sure we don’t spend too much money on groceries is by paying cash. However, this can be inconvenient and difficult for some people, and not everyone has the cash on hand to pay for their groceries when they go shopping.
The next best option is a credit card. Credit cards come in many different varieties, and it can be not easy to figure out which ones offer the best benefits for grocery purchases. Listed below are ten credit cards that offer top-notch benefits for shoppers at your neighborhood supermarket:
1. Capital One SavorOne Cash Rewards Credit Card
SavorOne is a cash back rewards card that gives you three percent cash back on the first $6,000 you spend at gas stations and grocery stores each year (then 1%). When you redeem your cash back, you get a 10% bonus, essentially bringing your rewards rate to four percent. The card also delivers one percent cash back on all other purchases.
The Capital One SavorOne Cash Rewards Credit Card allows you to earn cash back rewards when using your card for groceries, dining, gas, and other everyday purchases, with no rotating categories or signups needed.
This card is ideal for spending on groceries, gas and everyday purchases. Because it’s a cash back card, there are no points to redeem and no waiting to use rewards. The card has a $0 annual fee.
2. Blue Cash Everyday Card from American Express
The Blue Cash Everyday Card from American Express card is one of the best cash back credit cards on the market. It has an unlimited 3% cash back on all purchases made at supermarkets and gas stations. This card provides you with an introductory APR of 0% for the first 15 months.
The Blue Cash Everyday Card from American Express card is a great way to build your credit. As a new cardholder, you’ll receive a $50 cash back bonus after you make at least $1000 in purchases within the first three months of opening your account.
You’ll also get 3% cash back on all supermarket purchases, 2% cash back at gas stations and select department stores, and 1% cash back on all other purchases. In addition to this, you’ll also get a $50 bonus cash back as a statement credit after you make at least $1000 in purchases within the first three months of opening your account.
3. Blue Cash Preferred Card from American Express
There are tons of cash back credit cards out there that offer rewards on purchases you might be making anyway. But if you tend to spend more than $1,000 on food at US supermarkets, you should consider the new Blue Cash Preferred Card from American Express. The Blue Cash Preferred card offers 6% cash back at US grocery stores – unlike most reward credit cards, which offer 2%-3% cash back on all purchases, Blue Cash Preferred offers 6% cash back on groceries. It also offers 3% cash back on restaurants and 1% cash back on everything else.
This card is meant for frequent grocery shoppers. You get 6% cash back on groceries, 3% cash back on restaurants, and 1% cash back on all other purchases.
This card offers high rewards, but if you eat out frequently or don’t eat out at all, this card isn’t the best choice for you.
4. American Express Gold Card
You can indeed use your AMEX gold card for groceries. This card is good for those who travel quite a bit and want insider benefits. Often, grocery stores do not accept AMEX, but this is the one store where you can use it with no problem. The American Express Blue Cash Preferred card can also be used at grocery stores.
It is a standard charge card, which means users have to pay off the balance at the end of every month. In this aspect, the card is very similar to the Capital One Quicksilver. Another thing to consider with the American Express Gold is the annual fee. The card charges a $150 annual fee, which is a bit too much for a rewards card.
The rewards program for this card is also a bit disappointing. The rewards system is a bit complicated and offers users a limited amount of reward options. There is a reward program for grocery purchases, but it is pretty lackluster. Overall, this card is a bit disappointing, especially considering the high annual fee.
5. Bank of America Customized Cash Rewards credit card
The Bank of America Customized Cash Rewards credit card for groceries is a good choice if you are a big spender on groceries. They have a very nice rewards program, which can get you some decent cash back.
The program is designed so that you need to spend a lot of money on groceries to get decent cash back. But if you are a really big spender on groceries, then this card is a good deal. However, this card has too many fees. The interest fee for this card is not very high, but there are many other better cards to get. The user doesn’t get any cash back on gasoline purchases.
The only way to get cash back is to use this card at grocery stores. The APR of this card is higher than the rate of other cards. It is a 20.24% variable.
6. Amazon Prime Rewards Visa Signature Card
Amazon Prime Rewards Visa Signature Card is a credit card linked to Amazon Prime membership. It is a rewards card for Amazon Prime customers. It has a very high rewards rate on Amazon purchases.
It offers 5% cash back on Amazon purchases and 2% cash back at restaurants, gas stations, and drug stores. It also offers a signup bonus of $70 Amazon gift card when you spend $1,000 in the first three months of card membership.
The Amazon Prime Rewards Visa Signature Card is a new credit card that rewards Prime members for their everyday purchases no matter where they are made. The card has a standard rewards rate for most purchases, which is the highest in the market right now. The card comes with a no-annual-fee introductory promotion, which makes it very attractive, but it is only temporary, so the card’s benefits will be lost after a year.
7. Chase Freedom Flex
Chase Freedom Flex credit card is a reward credit card that comes with a signup bonus category of 5% cash back in a calendar quarter in a specific category of your choice. Chase Freedom Flex card is a no annual fee cash back credit card from Chase. It earns you 3% cash back on rotating categories annually and 1% on everything else.
When it comes to online shopping, you can redeem the points instantly at the chase website for cash or gift cards. The points can also be used to shop at Amazon.com. Chase Freedom does not offer any 5x bonus on groceries, but you can consider another card that does. In addition, points do not expire for as long as the account is open and active.
8. Capital One Walmart Rewards Mastercard
If you are looking for a credit card to help you save money, you should consider getting the Capital One Walmart Rewards Mastercard. The credit card is designed for people who shop at Walmart every so often. It has some great benefits to offer to its users. For example, you will get 6 percent cash back on Walmart purchases.
Suppose you shop at Walmart regularly. In that case, you can save a lot of money with this credit card. Six percent might not seem like a lot, but if you spend several thousand dollars at Walmart every year, then 6 percent can add up to a lot of money.
Furthermore, you will get an additional 3 percent cash back if you use your card to make your Walmart purchases. This is a great feature to have because it allows you to get an even bigger discount.
9. Citi Double Cash Card
The Citi Double Cash Back Card is a cash back credit card that automatically earns 1% when you make a purchase and another 1% back when you pay it off. That’s 2% cash back on everything you buy, and there’s no limit to how much cash back you can earn. Cash back doesn’t expire, and there’s no limit to how much you can earn. Another great feature of this card is that there’s no annual fee. Getting started is easy!
Even though the card has a high-interest rate, it’s useful to have the cash back option at grocery stores. Overall, this card is a great option if you’re looking for a card to cover your regular grocery purchases.
The Double Cash Card does have a higher interest rate than other cashback cards, but this shouldn’t be a problem if you pay off your bill in full every month. There is no annual fee and no foreign transaction fees. Plus, it comes with a free Credit Scorecard.
For those looking to maximize their returns when it comes to groceries, we’ve listed what we feel to be the 9 best credit cards for groceries in 2022. We hope you enjoyed our list of the best credit cards for groceries.These are credit cards that offer cash back or rewards specifically for grocery purchases. While some of the cards have annual fees, they also have cash back or rewards that can easily offset the cost of the annual fee.