Charles H. Miller
There are two types of credit cards — those you use often, and those you seldom pull out of the wallet. The former group is reserved for cards you use for buying things like gas and groceries, and the latter — for travel, balance transfers, and so on. Here we look at top credit cards for buying groceries, but before we delve into details, let’s ask ourselves…
Do We Need a Card Just for Groceries?
The point I’m trying to make is this will be your everyday card and you want it to be all-round excellent. So you could also use it for gas, or some other things. You want some of the money you will spend back. That’s the main point — to save while doing what you would be doing anyway.
As some of our readers have already learned, we have a distinct way of suggesting best credit cards…
Wallet Weekly’s Way – Less is More
We like lists, and we have such articles on our site. However, while these so called listicles are great for some things, for some other — we think they don’t help. For instance, if we want to present you with the best product/service, we don’t want to show you the “top 10” or “top 5” list; instead, we’ll just pick the two options. You still get the choice, but in a manner that is easier to comprehend. It is our job to go through all possible options and present you with two options you’ll want to consider. Not to shoot all the options out there and tell you: now pick and choose. Which brings us to the next section…
The Top 2 Credit Cards for Groceries Are…
BankAmericard Cash Rewards Credit Card
This card offers 2% back at both grocery stores and warehouse clubs, as well as 3% back on gas, and 1% on other purchases. The limit is that grocery store, warehouse club, and gas bonus rewards apply to the first $2,500 in combined purchases each quarter, after which you’re cash back rewards drop to 1%. Also, Bank of America customers get an extra 10% bonus when redeeming rewards directly into their checking or savings account (instead of a statement credit). The card includes a 0% introductory APR for the first 12 months on purchases, and any balance transfers made within the first 60 days. After that, APR goes up to anywhere between 13.24% and 23.24%, based on your creditworthiness. There is no annual fee.
» Learn more and apply for the BankAmericard Cash Rewards™ Credit Card today!
Blue Cash Preferred® Card from American Express
This card offers a hard-to-beat 6% cash back at U.S. supermarkets, though that (high) percentage is capped at $6,000 per year in purchases, after which you’re “going down” to 1%. Customers also get 3% from purchases at U.S. gas stations and select U.S. department stores, and 1% on other purchases. American Express provides cash back in the form of Reward Dollars that can be redeemed as a statement credit. The Blue Cash Preferred® Card has an annual fee of $95, but thanks to the sign-up bonus, the card practically pays for itself, and you get to benefit from some travel benefits that come included, as well. Intro APR of 0% is good for both purchases and balance transfers for 12 months, after which it goes to 13.24% – 23.24%.
» Learn more and apply for the Blue Cash Preferred® Card from American Express today!
