How to Find a Good Credit Card for Grocery Purchases

If you’re making purchases for a family, chances are that you’re spending a pretty significant amount on your groceries every month – the USDA estimates that a family of four will likely spend between $565 and $1,286 on groceries every month. That can be a significant amount of money that you can end up getting rewards on, so finding the best Chase card for groceries can help you save. Here are four things to consider when you’re looking for a grocery credit card.

1. Rewards for Grocery Purchases

The first thing to look at is specific rewards that you can get on your grocery purchases. It’s very common to see credit cards that have a specific rewards percentage for purchases that you make at grocery stores. This percentage may even be higher than the rewards that you get for general purchases, making it a great way to save money on your groceries.

2. Sign-On Bonuses

A sign-on bonus is an extra dollar amount that you can get for your credit card by fulfilling certain requirements in the first few months of having the card. Often, that requirement is a certain dollar amount of purchases. Especially if your grocery spending is on the higher end of the spectrum, you may be able to meet the sign-on bonus requirements just by making your normal grocery purchases with your new credit card.

3. Extra Benefits

What other benefits are available with the credit card that you’re looking at? You may be able to get special benefits with credit cards like insurance on your purchases, special ways to save money, and more. These extra benefits can be an especially useful way for you to choose between two different cards that are both equally interesting to you. It’s often best to check these benefits near the end of the decision process.

4. Annual Fee

Annual fees can be good because cards with higher annual fees often give better benefits, but they can be bad because you have to pay the annual fee. If you’re interested in getting the absolute best benefits with your credit card, it might be a good idea to opt for a card with an annual fee. However, you need to sit down and see how much your family can spare for an annual fee. Despite the extra benefits, you need to make sure that the annual fee is worth it and that you can afford the extra payment.


If you want to save more money as a family, it could be a good idea to get a credit card that gives you benefits on your grocery purchases. Grocery purchases are often one of the biggest purchases that a family makes every month, so if you can get a high percentage in cashback or rewards from those purchases, you can end up saving a surprising amount. These four things can help you save more money as a family by helping you find the absolute best grocery credit card.

Infographic created by Clover Network – a leader in helping businesses accept credit card payments