Top Credit Cards for Groceries in September 2024: Maximize Your Savings on Everyday Purchases
Audrey Conn
Published Sep 2, 2024
With grocery prices on the rise, finding the right credit card to maximize your savings on grocery purchases is more important than ever.
The best credit cards for groceries in 2024 offer substantial cashback rewards, sign-up bonuses, and other perks that can help you manage your budget more effectively.
Here, we highlight the top grocery credit cards and discuss how government assistance programs can further support your financial well-being.
Don't Miss: Top 0% APR Credit Cards for September 2024: Save on Interest and Manage Your Finances
Top Grocery Credit Cards for September 2024
Blue Cash Preferred® Card from American Express
Why We Love It: The Blue Cash Preferred® Card from American Express is a top choice for grocery shoppers due to its high cashback rate on U.S. supermarket purchases. Cardholders earn 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets, then 1%.
Key Benefits:
- Cashback Rate: 6% at U.S. supermarkets (up to $6,000 per year, then 1%), 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and on transit, and 1% on other purchases.
- Annual Fee: $0 intro annual fee for the first year, then $95.
- Welcome Offer: Earn a $350 statement credit after spending $3,000 in purchases within the first 6 months.
- Additional Perks: Offers return protection and extended warranty on eligible purchases.
Blue Cash Everyday® Card from American Express
Why We Love It: For those who prefer a no-annual-fee card, the Blue Cash Everyday® Card from American Express is an excellent alternative. It offers solid cashback rates on groceries and other everyday purchases.
Key Benefits:
- Cashback Rate: 3% at U.S. supermarkets (up to $6,000 per year, then 1%), 2% at U.S. gas stations and select U.S. department stores, and 1% on other purchases.
- Annual Fee: $0
- Welcome Offer: Earn a $200 statement credit after spending $2,000 in purchases within the first 6 months.
- Additional Perks: Includes purchase protection and access to Amex Offers for added savings.
Citi Custom Cash℠ Card
Why We Love It: The Citi Custom Cash℠ Card is highly flexible, automatically adjusting to your spending habits. Cardholders earn 5% cash back on their highest eligible spend category each billing cycle, up to $500 spent, including groceries.
Key Benefits:
- Cashback Rate: 5% on your highest eligible spend category each billing cycle (up to $500 spent), 1% on all other purchases.
- Annual Fee: $0
- Welcome Offer: Earn $200 in cash back after spending $1,500 in the first 6 months.
- Additional Perks: Provides access to Citi Entertainment for exclusive event tickets and experiences.
Government Assistance Programs
While grocery credit cards can help you save on everyday purchases, government assistance programs can provide additional financial support for eligible individuals and families.
Supplemental Nutrition Assistance Program (SNAP)
SNAP provides nutritional assistance to millions of eligible, low-income individuals and families. Benefits are issued through an Electronic Benefits Transfer (EBT) card, which can be used to purchase food at authorized retail stores.
- Eligibility: Based on income, household size, and other factors.
- Application: Visit your local SNAP office or apply online through your state’s SNAP website.
Women, Infants, and Children (WIC)
WIC is a federal assistance program that provides nutritional support to low-income pregnant women, new mothers, infants, and children up to age five.
- Benefits: Includes vouchers for nutritious foods, education on healthy eating, and access to health care services.
- Application: Apply through your local WIC office or online through your state’s WIC website.
Conclusion
Selecting the right credit card for groceries can significantly boost your savings on essential purchases.
Cards like the Blue Cash Preferred® Card, Blue Cash Everyday® Card, and Citi Custom Cash℠ Card offer valuable cashback rewards and other perks tailored for grocery shopping.
Additionally, government assistance programs such as SNAP and WIC provide crucial support for eligible individuals and families, helping to ensure access to nutritious food.
Don't Miss:
