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Groceries are one of the largest expenses for American households, and as food prices have continued to rise nationally, saving on your grocery purchases has become increasingly important. One way to trim costs is by using a grocery credit card that earns bonus rewards at the supermarket.

The best credit cards for groceries can yield hundreds of dollars of savings annually for a typical household.

Methodology

Our team of experts reviewed dozens of credit cards for groceries, considering various factors including rewards, fees, sign-up bonuses and benefits. Using a data-based approach, we narrowed down the list to the top 11 credit cards that scored highly based on our weightings. Read our full methodology below.

Show summary

American Express? Gold Card

Key takeaways
4X
Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3X
Earn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2X
Earn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1X
Earn 1X Membership Rewards? point per dollar spent on all other eligible purchases.
Partner Offer
American Express? Gold Card
Rates & Fees / Terms Apply
4.6/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best grocery credit card
Apply Now
On American Express’s Secure Website
Welcome bonus offer

Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

Earn 60,000 points + earn up to $100 back
Annual fee
$325
Regular APR
See Pay Over Time APR
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

The Amex Gold (terms apply, see rates and fees) does double duty for foodies, earning 4 points per dollar on up to $25,000 spent each calendar year at U.S. supermarkets (then 1x), as well as at restaurants worldwide, including takeout and delivery in the U.S. (on up to $50,000 in spending per year, then 1x, starting Jan. 1, 2025). Because you can transfer American Express Membership Rewards? points to airline and hotel loyalty program partners such as Delta SkyMiles, Air Canada Aeroplan and Hilton Honors, this card is ideal if you love to travel without spending a fortune.

The card charges a $325 annual fee, which is among the highest of the cards on this list. However, it offers over $400 per year in credits that can offset that cost.

+ Pros
  • High return on grocery and dining purchases
  • Points can be redeemed with travel partners for a higher return
  • Up to $20 in monthly Uber and dining credits (enrollment required)
– Cons
  • Charges a $325 annual fee
  • Grocery bonus capped at $25,000 of spending annually
  • Rewards are best suited for travel and not ideal if you prefer cash back
Highlights
  • Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
  • Get the American Express? Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
  • Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards? point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express? Gold Card at Dunkin’ locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express? Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express? Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.

Chase Sapphire Preferred? Card

Key takeaways
5x
Earn 5x points on travel purchased through Chase Travel?
3x
Earn 3x points on dining, select streaming services and online groceries
2x
Earn 2x points on all other travel purchases
1x
Earn 1x points on all other purchases, plus more
Chase Sapphire Preferred? Card
5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for online grocery orders
Apply Now
On Chase Bank USA, NA’s Secure Website
Welcome bonus offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points
Annual fee
$95
Regular APR
21.49%-28.49% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

Having groceries delivered to your door can be a godsend if you’re unable to get to the supermarket. On top of earning 3 points per dollar for online grocery purchases, the Sapphire Preferred earns a bonus for dining and travel purchases, as well as select streaming services. You can transfer the Chase Ultimate Rewards? points you earn to Chase’s airline and hotel partners, including United MileagePlus, JetBlue TrueBlue and World of Hyatt. Or you can easily redeem your rewards for cash back or travel booked through Chase Travel?. Plus, the card comes with generous travel benefits such as primary rental car insurance and trip delay insurance.

On the downside, the card has a $95 annual fee. Furthermore, the grocery bonus doesn’t apply when you shop in person, and excludes Target, Walmart and wholesale clubs.

+ Pros
  • Points are worth 25% more when you redeem for eligible travel
  • No foreign transaction fee
  • Points can be transferred to loyalty program partners including JetBlue, Marriott and Hyatt
– Cons
  • $95?annual fee
  • No 0% introductory APR
  • Must book travel through Chase Ultimate Rewards to earn 5 points per dollar
Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Enjoy bene?ts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC

Citi Strata Premier? Card

*

The information for the Citi Strata Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Key takeaways
10X
Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
3X
Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
1X
Earn 1 Point per $1 spent on all other purchases.
Citi Strata Premier? Card
Rates & Fees
4.5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for gas and dining
Welcome bonus offer

70,000 bonus ThankYou? Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.

70,000 bonus points
Annual fee
$95
Regular APR
20.74% – 28.74% (Variable)
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

If you’re looking for a grocery credit card that also earns extra rewards on other everyday spending, the Citi Strata Premier is a solid pick. It provides a well-rounded blend of bonus categories, including 3x points at supermarkets. You can transfer Citi ThankYou? Rewards points to airline and hotel partners or easily redeem them as cash back.

One drawback of the Citi Strata Premier is that Citi’s transfer partners are less useful overall than those offered by American Express and Chase. For instance, its only US-based airline partner is JetBlue, and its hotel partners are Wyndham, Accor and Choice.

+ Pros
  • Bonus rewards on everyday spending categories?
  • Flexible redemption options?
  • Annual hotel discount
– Cons
  • Low base rewards rate?
  • Charges a $95 annual fee
  • Must book through Citi Travel to get hotel discount
Highlights
  • Earn 70,000 bonus ThankYou? Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and?Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Capital One Venture Rewards Credit Card

Key takeaways
2X
Earn unlimited 2x miles on every purchase, every day
5X
Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. Earn 5X miles on Capital One Entertainment purchases through 12/31/25.
Capital One Venture Rewards Credit Card
4.3/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for flat-rate rewards
Learn More
On CardRatings’s Secure Website
Welcome bonus offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Earn 75,000 bonus mile
Annual fee
$95
Regular APR
19.99% – 29.99% (Variable)
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

While the Capital One Venture card doesn’t offer a bonus for grocery purchases, it does earn a consistent 2 Capital One miles per dollar on purchases (except hotels and car rentals booked through Capital One Travel, which earn 5 miles per dollar), yielding a solid return without having to worry about bonus categories. New card holders can earn a welcome bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. You can transfer miles to Capital One’s airline and hotel partners or redeem them as statement credits toward travel purchases. However, Capital One miles are worth less than 1 cent each when redeemed as cash back for other purchases, so if you’re looking for a cash back credit card, you’re better off with another option on our list.

+ Pros
  • Welcome bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Up to $120 credit for Global Entry or TSA PreCheck
  • Miles transfer to airline and hotel partners
– Cons
  • Limited bonus rewards opportunities
  • Charges a $95 annual fee
  • Rewards are best suited for travel and are worth much less if you redeem for cash back
Highlights
  • 2x miles on most spending
  • 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
  • 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • $95 annual fee
  • No foreign transaction fee
  • Up to $100 credit to cover the application fee for Global Entry or TSA PreCheck
  • Ability to transfer your miles to more than a dozen travel loyalty programs

Capital One Venture X Rewards Credit Card

Key takeaways
2X
Earn 2 miles per dollar on all eligible purchases
5X
Earn 5 miles per dollar on flights and vacation rentals when booking via Capital One Travel
10X
Earn 10 miles per dollar on hotels and rental cars when booking via Capital One Travel
Capital One Venture X Rewards Credit Card
3.7/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best premium travel card for grocery spending
Learn More
On CardRatings’s Secure Website
Welcome bonus offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles
Annual fee
$395
Regular APR
19.99% – 29.99% (Variable)
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent</div>
Why we picked it

Despite its $395 annual fee, the Venture X offers exceptional value for frequent travelers. Card holders get premium benefits, including an annual $300 credit for bookings made through Capital One Travel and access to Priority Pass, Plaza Premium and Capital One airport lounges. The card also offers one of the best credit card welcome bonus offers available right now: 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

While some other cards on this list offer a higher return on grocery purchases and lower annual fee, none offer a comparable package of perks.

+ Pros
  • Earn 2 miles per dollar on non-bonus categories with no cap
  • Annual $300 credit toward Capital One Travel bookings
  • 10,000 bonus miles each account anniversary
– Cons
  • May charge an above-average APR
  • Charges a $395 annual fee
  • Rewards are best suited for travel and are worth much less if you redeem for cash back
Highlights
  • 2x miles on most purchases
  • 5x miles on flights and vacation rentals booked through Capital One Travel
  • 10x miles on hotels and rental cars booked through Capital One Travel
  • 10,000 bonus miles each account anniversary
  • $300 annual travel credit
  • Ability to transfer miles to more than a dozen partners Access to airport lounges through Priority Pass, Plaza Premium Group and Capital One Lounges
  • 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening

Aeroplan? Credit Card

Key takeaways
3X
Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, and Air Canada directly
1X
Earn 1x points for each dollar spent on all other purchases
Aeroplan? Credit Card
4.3/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best airline credit card for groceries
Apply Now
On Chase Bank USA, NA’s Secure Website
Welcome bonus offer

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.

Earn up to 100,000 points
Annual fee
$95
Regular APR
21.74% – 28.74% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>
Why we picked it

A natural fit for Air Canada frequent flyers, the ’s rewards include 3x points at grocery stores. But you don’t have to fly Air Canada to benefit from this card, because you’re not limited to redeeming Aeroplan points for Air Canada flights — you can also use them to book award tickets on dozens of partners, including United Airlines, Lufthansa, Singapore Airlines and Emirates. Card holders get travel benefits like a free first checked bag and preferred award pricing on Air Canada flights, and can earn other perks like bonus points and elite status for hitting spending milestones.

+ Pros
  • Earns bonus points each month you spend at least $2,000 on purchases
  • No foreign transaction fee
  • Multiple point redemption options
– Cons
  • $95 annual fee
  • Low base rewards rate
  • Free first checked bag only available when travel originates on an Air Canada flight
Highlights
  • Earn up to 100,000 bonus points
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
  • $95 Annual Fee
  • Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
  • Fly to another continent and travel the world with the Aeroplan® Credit Card.
  • Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
  • 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.
  • Member FDIC

Hilton Honors American Express Surpass? Card

Key takeaways
12X
Earn 12 points for each dollar spent on eligible purchases at hotels and resorts within the Hilton portfolio
6X
Earn 6 points for each dollar spent at U.S. restaurants, U.S. supermarkets, and at U.S. gas stations
4X
Earn 4 points on eligible U.S. online retail purchases
3X
Earn 3 points for all other eligible purchases
Partner Offer
Hilton Honors American Express Surpass? Card
Rates & Fees / Terms Apply
3.3/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best hotel grocery card
Apply Now
On American Express’s Secure Website
Welcome bonus offer

Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass? Card in your first 6 months of Card Membership.

165,000 points<br />
Annual fee
$150
Regular APR
20.49%-29.49% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

The Amex Hilton Surpass Card (terms apply, see rates and fees) racks up rewards quickly, including with 6x points on groceries at U.S. supermarkets. You’ll get another incentive for putting your grocery and other expenses on this card: After spending $15,000 in a calendar year, you’ll earn a free night reward valid at nearly any Hilton hotel in the world. Card holders also get Hilton Honors Gold status and up to $200 back each year for Hilton purchases.

While this card’s earning rates are higher than others on the list, note that Hilton points are worth less than 1 cent on average according to August 2024 valuations from frequent flyer website The Points Guy. Still, the card’s high earning rates and additional benefits make it a good fit for Hilton loyalists.

+ Pros
  • High earning rate for grocery and other purchases
  • Up to $200 in credits toward Hilton purchases annually
  • Complimentary Hilton Honors Gold status
– Cons
  • Hilton points are less valuable than other rewards (on average)
  • Charges a $150 annual fee
  • Bonus earning rates are limited to U.S. purchases (except for those made at Hilton properties worldwide)
Highlights
  • Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass? Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
  • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass? Card.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors ? Gold Status with your Hilton Honors American Express Surpass? Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors? Diamond Status through the end of the next calendar year.
  • Enjoy complimentary National Car Rental? Emerald Club Executive? status. Enrollment in the complimentary Emerald Club? program is required. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Terms Apply.

Hilton Honors American Express Card

Key takeaways
7X
Earn 7x Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio
5X
Earn 5x points on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
3X
Earn 3x points for all other eligible purchases on your Card
Partner Offer
Hilton Honors American Express Card
Rates & Fees / Terms Apply
3.3/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best no annual fee grocery card
Apply Now
On American Express’s Secure Website
Welcome bonus offer

Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.

100,000 points
Annual fee
$0
Regular APR
20.49%-29.49% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

The Amex Hilton Card (terms apply, see rates and fees) offers strong earning rates for a card with no annual fee, including 5x points on groceries at U.S. supermarkets. The card also grants Hilton Honors Silver status, offers purchase protection1 and car rental insurance benefits2, and doesn’t charge foreign transaction fees.

Since Hilton Honors points have a relatively low value, other cards can yield a better return on spending. But this card is suitable for Hilton fans who don’t stay frequently enough to use the more advanced benefits of the Amex Hilton Surpass Card.

+ Pros
  • High earning rate for grocery and other purchases
  • $0 annual fee
  • Complimentary Hilton Honors Silver status
– Cons
  • Hilton points are less valuable than other rewards (on average)
  • Light on additional benefits
  • Earning rates are limited to U.S. purchases (except for those made at Hilton properties worldwide)
Highlights
  • Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors? Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors? Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Terms Apply.

Instacart Mastercard?

*

The information for the Instacart Mastercard? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Key takeaways
5%
Earn 5% cash back on Instacart app and Instacart.com purchases
5%
Earn 5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more
2%
Earn 2% cash back at restaurants, gas stations and on select streaming services
1%
Earn 1% cash back on all other purchases
Instacart Mastercard?
3.5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best card for Instacart
Welcome bonus offer

Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.

Instacart credit + 1 free year of Instacart+
Annual fee
$0
Regular APR
20.24% – 28.99% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

The Instacart Mastercard pairs a strong rewards rate with essential travel and purchase benefits without charging an annual fee. Rewards include 5% cash back on purchases through the Instacart app and Instacart.com.

You won’t earn bonus cash back on grocery purchases made at in-person shops. The rewards you earn can be redeemed on Instacart, as cash back or to pay for travel.

+ Pros
  • No annual fee
  • No minimum spend requirement for the $100 Instacart credit welcome bonus
  • 5% cash back on travel booked through Chase and 2% back on restaurants, gas stations and select streaming services
– Cons
  • 1% cash back on non-bonus category purchases
  • No bonus at supermarkets outside of Instacart purchases
  • Instacart charges additional fees for service, delivery, alcohol, priority delivery and more
Highlights
  • Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
  • Earn 5% cash back on Instacart app and Instacart.com purchases
  • Earn 5% cash back on Chase Travel℠ purchases, including flights, hotels, and more
  • Earn 2% cash back at restaurants, gas stations and on select streaming services
  • Earn 1% cash back on all other purchases
  • No annual card fee

Prime Visa

*

The information for the Prime Visa has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Key takeaways
10%
10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
5%
5% back at Amazon.com, Amazon Fresh, and Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
2%
2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
1%
1% on all other purchases
Prime Visa
3.4/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best card for Amazon and Whole Foods
Welcome bonus offer

Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

Get a $100 Amazon Gift Card
Annual fee
$0
Regular APR
20.49% – 29.24% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>
Why we picked it

With an eligible Amazon Prime membership, Prime Visa card holders earn 5% back at Whole Foods and Amazon Fresh, as well as on Amazon.com and Chase Travel purchases. Without a Prime membership, however, which costs $14.99 per month or $139 per year, the earning rate for those purchases drops to 3%. The card also earns 2% cash back at restaurants and gas stations and on local transit and commuting.

You can redeem rewards for eligible Amazon.com purchases and travel booked through Chase, among other options. Plus, you’ll get surprisingly good travel benefits for a store credit card, including secondary rental car insurance, baggage delay insurance, lost luggage reimbursement and no foreign transaction fee.

+ Pros
  • No annual fee or foreign transaction fees
  • 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
  • Flexible rewards redemption options
– Cons
  • Low base cash back rate on non-bonus categories
  • Must have an eligible Prime membership
  • Other cash-back cards offer higher welcome bonuses
Highlights
  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC

Blue Cash Preferred? Card from American Express

Key takeaways
6%
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6%
Earn 6% cash back on select U.S. streaming subscriptions
3%
Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. on up to $6,000 in each category per year in purchases (then 1%) and 1% cash back on other eligible purchases
1%
Earn 1% cash back on other eligible purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Partner Offer
Blue Cash Preferred? Card from American Express
Rates & Fees / Terms Apply
3.2/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best grocery cash back rate
Apply Now
On American Express’s Secure Website
Welcome bonus offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Earn $250
Annual fee
$0 intro annual fee for the first year, then $95
Regular APR
18.74%-29.74% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

The Blue Cash Preferred (terms apply, see rates and fees) offers arguably the best cash back return on grocery spending in the industry: 6% cash back on up to $6,000 spent at U.S. supermarkets each year (then 1%).

The earning rate drop to just 1% cash back once card holders cross the $6,000 annual threshold makes the card less ideal for those with large grocery budgets.

+ Pros
  • Earns 6% cash back on up to $6,000 of purchases each year at U.S. supermarkets annually (then 1%)
  • $7 monthly credit on select Disney streaming subscriptions
  • No annual fee for first year
– Cons
  • Supermarket purchases only earn 1% after spending cap is reached
  • Charges $0 intro annual fee for the first year, then $95
  • Most bonus earning rates are limited to U.S. purchases
Highlights
  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It? to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% – 29.74%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.

Our picks at a glance

Annual feeWelcome bonusGrocery rewards rateNotable feature
$325
60,000 Membership Rewards? points after spending $6,000 on eligible purchases in the first six months of card membership. Plus, receive 20% back in statement credits on eligible restaurant purchases worldwide (up to $100 back) within the first six months of card membership (offer ends 11/6/24)
4x on up to $25,000 spent each calendar year at US supermarkets (then 1x)
Monthly Uber Cash and dining statement credits
$95
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
3x (online only)
10% annual points bonus
Citi Strata Premier? Card * The information for the Citi Strata Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
$95
70,000 bonus ThankYou? Points after spending $4,000 in the first three months of account opening
3x
Also earns 3x on gas, EV charging, dining, hotels and airfare
$95
75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months
3x
Application fee credit for Global Entry or TSA PreCheck
Capital One Venture X Rewards Credit Card
$395
75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening
2x
$300 annual statement credit for travel booked through Capital One
Capital One Venture Rewards Credit Card
$95
75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
2x
Up to $120 statement credit for Global Entry or TSA PreCheck application fee
$150
165,000 Hilton Honors bonus points after you spend $3,000 on eligible purchases in the first six months
6x
Up to $200 in statement credits annually for Hilton purchases
$0
100,000 Hilton Honors bonus points after you spend $2,000 on eligible purchases in the first six months
5x
Includes Hilton Honors Silver status
Instacart Mastercard? * The information for the Instacart Mastercard? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
$0
$100 Instacart credit plus 1 free year of Instacart+ automatically upon approval
5% on Instacart
No minimum redemption threshold
Prime Visa * The information for the Prime Visa has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
$0
$100 Amazon Gift Card instantly upon approval exclusively for Prime members
5% at Whole Foods and Amazon Fresh with Prime
Uncapped rewards
$0 intro annual fee for the first year, then $95
$250 statement credit after spending $3,000 on eligible purchases within the first six months
6% at U.S. supermarkets (on up to $6,000 in purchases annually, then 1%)
Monthly statement credit for Disney Bundle subscriptions

What is a grocery credit card?

Grocery credit cards can earn you points, miles or cash back every time you use them at the supermarket. A good grocery credit card typically has some or all of the following features:

  • Bonus rewards for grocery purchases: A grocery credit card boosts the return you get for each dollar spent on groceries and other eligible purchases.
  • Rewards on purchases other than groceries: Many grocery credit cards earn bonus points or cash back for other purchases in addition to groceries, such as dining, gas or travel.
  • Additional benefits: You can expect standard credit card features such as fraud protection and online account management, but you may also see perks such as cell phone protection and discounts with retail partners.
  • Stacks with other discounts: You can generally use a grocery credit card while also redeeming coupons and earning rewards from your grocery store of choice.

How credit cards can save you money on groceries

Credit cards that earn bonus rewards for grocery purchases provide a way to reduce your net cost. When you use your card as payment, you’ll automatically earn rewards at an accelerated rate for all eligible purchases. That can be easier than clipping coupons or tracking in-store rewards (though you can also stack those savings).

As an example of how much you can save, consider that the average US household spent $5,703 on groceries in 2022. A cash back credit card that earns a 5% return on grocery spending would tally about $285 in rewards for the year; that’s $228 more than a 1% cash back credit card would earn. Naturally, the savings would be greater for households that spend more than average on groceries.

General rewards credit cards versus store-branded cards

Many large grocery retailers offer store-branded supermarket credit cards, including Target, Costco and Amazon. These cards offer high cash back rates on groceries and other eligible purchases from each respective retailer, which is convenient if you do most of your shopping (grocery or otherwise) at one of these stores.

In contrast, many general rewards credit cards offer a bonus for grocery purchases beyond a single brand. These non-branded cards are a better fit if you’re not loyal to one brand and prefer to shop around. With some general rewards credit cards, you can earn points or miles that may have a less consistent value but offer greater returns when you redeem them strategically.

Maximizing rewards and benefits for grocery purchases

The first step toward maximizing rewards on a grocery credit card is to use it consistently. Keep your card on hand and make it your default payment method for all purchases that earn rewards at a higher rate. If other trusted members of your household do a share of the grocery shopping, consider adding them as authorized users on your account so you can also earn on their purchases.

In addition to the rewards you earn from spending, get familiar with your card’s benefits. For example, the Target RedCard? Credit Card * The information for the Target RedCard? Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. gets you free shipping on eligible purchases at Target.com, and the American Express? Gold Card can reimburse you for select dining expenses, Dunkin’ purchases and Resy restaurant spending, plus provide monthly Uber Cash.

If your card comes with a welcome bonus offer, be sure to claim it by meeting the spending requirement in the allotted time. Missing the mark is a costly mistake since it nullifies the offer entirely — there’s no partial credit.

Finally, remember to redeem your rewards. Redeeming cash back is simple, but if you earn points or miles with multiple redemption options, research which ones will provide the most value. Also, check to see if your rewards can expire.

How to choose the best grocery credit card for you

The best credit card for groceries is the one that suits your needs, so before you apply for a card, look beyond the rewards rate to determine whether it’s a good fit. Factors to consider include the value of the rewards you’ll earn, spending caps or other limits on bonus categories, whether the card offers a welcome bonus and additional card holder benefits. Any one of these variables can make or break a card’s usefulness, so assess each one in the context of your own spending habits.

One last crucial variable is whether the card charges an annual fee, which can eat into the value of the rewards you earn. When all else is equal, a card that earns you $300 in rewards each year with no annual fee provides more value than one that earns you $500 in rewards with a $250 annual fee. In short, look at the net value (including both earning potential and costs) as you evaluate each card.

Does it make sense to pair multiple grocery cards?

Having more than one credit card can be helpful if your primary grocery credit card has a spending cap on bonus rewards at the supermarket. For example, the Blue Cash Preferred? Card from American Express earns 6% cash back on up to $6,000 in spending per year at U.S. supermarkets. Once you hit that limit, you’ll only earn 1% back. If you spend more than $6,000 a year on groceries, you’ll want to switch to a different grocery card for the rest of the year.

Pairing multiple cards can also make sense if you want to diversify the rewards you earn. Suppose you’re saving up travel points for a vacation. Using a card such as the Amex Gold or Capital One Venture card at the supermarket could help you hit your rewards goal faster. But after your trip, earning cash back rewards from a different card may be more of a priority.

Should I use my credit card for groceries?

Using a credit card to pay for groceries might feel strange if you’re used to paying with cash or debit. But as long as you treat your credit card like a debit card — that is, only spend what you can afford to pay off — you’ll avoid paying interest and earn rewards that can save you money.

Grocery credit cards are especially handy if you want to reduce costs but don’t have the time or inclination to clip coupons, because you’ll earn rewards automatically whenever you swipe your card. Or, if you do clip coupons, credit card rewards can add to your savings.

Credit cards also come with stronger protections against fraud than debit cards, so from a security standpoint, using a credit card is a smart move. Some cards also include purchase protection and extended warranty, which can be a lifesaver if you buy big-ticket items such as kitchen appliances or fancy cookware at supermarkets that sell more than just groceries.

Common mistakes to avoid when using credit cards for groceries

Getting the best credit card for groceries can help maximize your return on spending, but there are some potential pitfalls you’ll want to avoid:

  • Failing to analyze your spending: Maximizing rewards on grocery purchases may not be a priority for those who don’t spend a lot on groceries. For example, you may be better off getting a card that rewards spending on restaurants and takeout if you tend to dine out often.
  • Ignoring spending caps: Some grocery credit cards limit the amount of spending that qualifies for bonus rewards over a set period (such as each quarter or year). Once you hit that limit, your grocery purchases for the rest of that period will earn rewards at the lower base rate.
  • Buying groceries outside the grocery store: Merchants that accept credit cards are assigned a merchant category code, which card issuers use to determine whether purchases are eligible for bonus rewards. Some merchants that sell groceries may not be coded as grocery stores, in which case you’ll get a lower return than expected.
  • Committing to a vendor: Store-branded cards commit you to shopping at one store (or chain of stores) if you want to earn bonus rewards, even if that store doesn’t have the best price or the product you want. A store card could still be the right choice for you, but you’ll get more flexibility with a general rewards card that offers a bonus for grocery purchases.
  • Redeeming rewards for low values: Travel rewards or transferable rewards can give you more value than cash back, but realize that upside takes effort. If you’re unfamiliar with the rewards program, you may end up getting a lower return from your points or miles than you would from a cash back card.
  • Overspending: Credit cards let you spend any amount up to your credit limit, which makes blowing past your budget easier than it would be with a debit card or cash. Beware of the temptation to overspend, and plan to always pay your bill in full and on time to avoid carrying a balance and paying interest.

Alternatives to grocery store credit cards

Credit cards that earn bonus rewards on groceries and other types of expenses can generate high returns on your spending. Most of the cards on our list fall into this category, but the Venture X and Capital One Venture card are exceptions, earning 2 miles per dollar just about everywhere.

These types of credit cards that earn a flat rate of rewards on purchases are a good fit if you don’t want to keep track of bonus categories or spending caps. Other good options include:

  • Wells Fargo Active Cash? Card (terms apply, see rates and fees): This card earns 2% cash rewards on purchases with no limits, and it doesn’t charge an annual fee.
  • Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : With this no annual fee card, you’ll earn 1% back when you make a purchase, and 1% back when you pay it off (effectively 2% cash back).
  • Capital One Quicksilver Cash Rewards Credit Card: While this card only earns 1.5% cash back on most purchases, it’s a good option for international travelers because it doesn’t charge foreign transaction fees.
  • Chase Freedom Unlimited?: This isn’t a true flat-rate credit card (it earns 5% on travel purchased through Chase and 3% on dining and at drugstores), but its base rewards rate of 1.5% cash back is better than average.

Methodology

Our money and data analytics teams evaluated dozens of credit cards available to consumers that are best for earning on grocery spending. From there, we narrowed down our list of the best credit cards for groceries by giving them a star rating out of five, based on the following factors and our editorial judgment:

Rewards value (35%)

When it comes to the best credit cards for groceries, one of the most important aspects is how much you’ll earn for your purchases. The cards that earn more for your grocery purchases got a boost in our rankings — and those that earn more valuable rewards were scored higher.

Sign-up bonus (25%)

A sign-up bonus is an additional perk for most credit cards, including the best for groceries. We ranked cards with valuable sign-up bonuses higher than cards with low or no sign-up bonuses.

Select fees (25%)

Cards with no annual fees scored higher in this category. Additionally, some credit cards on the market charge a fee for purchases made abroad, which can add up quickly on extended trips. Cards that don’t charge foreign transaction fees received priority over cards that do.

Benefits (10%)

Some of the best credit cards for groceries also come with non-supermarket-related benefits. We scored cards that earn additional perks — such as purchase protections and automatic elite status — higher.

Annual credits and bonuses (5%)

Credits and bonuses can help to offset annual fees and help you extract more value from your card. We scored cards that offer annual bonuses and credits higher.

What didn’t make the cut

You may see these entries on other lists for the best grocery credit cards. However, there are some reasons why they may not be the best pick for your wallet.

  • Citi Custom Cash? Card * The information for the Citi Custom Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : This card offers 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel? portal through 6/30/2025.
  • Amex EveryDay? Preferred Credit Card * The information for the Amex EveryDay? Preferred Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : You’ll earn 3 points per dollar at U.S. supermarkets, plus a 50% bonus when you use your card at least 30 times in a billing period. However, the 3x earnings are capped at $6,000 of spending annually, and the card charges a $95 annual fee.
  • Capital One SavorOne Cash Rewards Credit Card: This card earns unlimited 3% cash back on groceries (as well as dining, entertainment and select streaming services), but other cards that earn 3x offer more valuable rewards and benefits.

All information about Amex EveryDay? Preferred Credit Card has been collected independently by CNN Underscored.

Frequently asked questions (FAQs)

No prominent credit cards are designed specifically and exclusively for grocery purchases, but many credit cards yield a high return when you use them to pay for groceries. These include store-branded cards offered by some of the largest grocery retailers, as well as a variety of general-purpose credit cards that reward grocery purchases alongside other spending.

Most credit cards for groceries offer rewards in other categories, such as dining, gas and travel. Supermarket credit cards generally earn bonus rewards for all in-store purchases, including non-grocery items like clothing and housewares. Some cards allow you to select which categories of purchases earn the highest return, so you can tailor your rewards to match your spending habits.

No credit cards are designed exclusively for online grocery shopping, but several cards reward buying groceries online more than shopping in person. For example, the Instacart Mastercard earns 5% cash back on Instacart purchases, but earns only its base rate of 1% cash back for shopping at in-person grocery stores. The Chase Sapphire Preferred? Card earns 3 points per dollar on eligible online grocery spending, but 1 point per dollar on other grocery expenses.

The Blue Cash Preferred? Card from American Express offers the most cash back with a return of 6% back on up to $6,000 in purchases at U.S. supermarkets annually (then 1%). But the highest cash back rate does not always equal the highest return on spending. For example, the American Express? Gold Card earns 4 Membership Rewards points per dollar on up to $25,000 of spending at U.S. supermarkets each calendar year (then 1x). Depending on how you use those points, they may be worth more to you than cash back.

You can combine your credit card rewards with other grocery discounts and promotions, such as sales, coupons, in-store rewards programs and vendor rebates. Those discounts and promotions are available regardless of how you pay, so using a grocery credit card enables you to stack rewards on top of other savings.

To view rates and fees of the American Express? Gold Card please visit this page.
To view rates and fees of the Hilton Honors American Express Card please visit this page.
To view rates and fees of the Hilton Honors American Express Surpass? Card please visit this page.
To view rates and fees of the Blue Cash Preferred? Card from American Express please visit this page.

1Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

2Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

All information about Amex EveryDay? Preferred Credit Card, Citi Custom Cash? Card, Citi Double Cash? Card, Citi Strata Premier? Card, Instacart Mastercard?, Prime Visa and Target RedCard? Credit Card has been collected independently by CNN Underscored.

Editorial Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines, hotel chain, or other commercial entity and have not been reviewed, approved or otherwise endorsed by any of such entities.

This content is for educational purposes only and is not intended and should not be understood to constitute financial, investment, insurance or legal advice. All individuals are encouraged to seek advice from a qualified financial professional before making any financial, insurance or investment decisions.

Note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed or may no longer be available.

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