Never did I think I’d put the Amex Platinum Card at the top of my “Best Grocery Store Credit Cards” list.
Alas, the AmPlat makes its debut here this month. So it’s time to update our always controversial Best Grocery Store Credit Card list!
Here’s what we think are your best options for December.
1. NEW APPLICANTS ONLY: Platinum Card from American Express
Why: The Platinum Card from American Express is running a great promotion now. People who apply for the card and are approved earn 10 total points per dollar spent at US supermarkets and US gas stations (up to $15,000 in total spending) during their first six months of card membership.
Welcome Offer: Receive 75,000 bonus Membership Rewards points when you spend $5,000 on eligible purchases within six months of being approved.
Other Benefits: Travel benefits galore. Read more here.
Annual Fee: $550
Why: Amex’s Blue Cash Preferred Card earns 6% cashback on U.S. supermarket purchases, up to $6,000 in annual spending.
Welcome Offer: Receive a $250 statement credit after you spend $1,000 in purchases within three months of being approved. Terms apply.
Other Benefits: 6% cashback on select U.S. streaming subscriptions,
3% cashback at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses, etc.), and 1% Cash Back on other purchases.
Annual Fee: $95.
3. RECENT APPROVALS ONLY: Chase Freedom Flex and Chase Freedom Unlimited Cards
Why: If you applied for the Chase Freedom Unlimited and/or Chase Freedom Flex between mid-September and when the most recent elevated welcome offer expired on January 13, you should be eligible for this promotion!
If you don’t qualify, skip to the next card. But if you’re eligible, congratulations!
Both of these no annual fee cards offered 5% on grocery store spending (not including Target or Walmart purchases) on up to $12,000 spent in the first year for new cardholders. After a new approval reaches that threshold or the 12 months expires, the benefit drops down to 1.5% on the Chase Freedom Unlimited and 1% on the Chase Freedom Flex.
Welcome Offer: Both cards offer new members $200 (paid as 20,000 Ultimate Rewards points)
Other Benefits: Both the Chase Freedom Unlimited and Chase Freedom Flex award 5X on travel purchased through Chase. Plus, they earn 3X on dining at restaurants and drugstore purchases. The Chase Freedom Flex has quarterly 5X bonus categories. Meanwhile, the Chase Freedom Unlimited awards 1.5X on all non-bonus categories.
Annual Fee: None!
Why: Chase Sapphire Reserve members earn 3X on grocery store and grocery delivery service (i.e. Instacart) through April 30, 2021. Do keep in mind, though, the benefit is capped at $1,000 per month in eligible grocery spend.
With Chase’s Pay Yourself Back feature, you can redeem Chase Sapphire Reserve grocery store-earned miles for a 50% cashback bonus. That basically makes each grocery store dollar worth 4.5 points each.
Plus, the Chase Sapphire Reserve‘s annual $300 travel credit also covers grocery store and gas station purchases (through June 30, 2021). And according to Chase, grocery store and gas station purchases will earn points on top of the statement credit.
Other Benefits: 10X on Lyft spending through March 2022. 3X on travel and dining purchases. Complimentary Priority Pass Select and DoorDash DashPass memberships.
Welcome Offer: 50,000 bonus Ultimate Rewards points after spending $4,000 in purchases within three months of approval.
Annual Fee: $550
Why: You earn 4X per dollar spent at U.S. supermarkets when paying with your American Express Gold Card. (The 4X benefit is capped at $25,000 per year in spending at U.S. supermarkets).
You can transfer your points at a 1:1 ratio to many participating Membership Rewards travel partners — or use them to purchase points/miles earning travel through Amex’s travel site. This benefit gets especially lucrative if you hold the Business Platinum Card from American Express: pool your points together and enjoy a 35% rebate on select airfares when you Pay with Points!
Welcome Offer: Receive 60,000 bonus Membership Rewards points after you spend $4,000 in purchases on the card within six months of being approved. That’s worth at least $600 in travel.
Other Benefits: 4X on dining purchases worldwide, 3X on airfare purchases made directly with airlines, complimentary Uber Eats Pass subscription for 12 months, $100 annual airline incidental credit, and monthly $10 food credit to use at participating vendors.
Annual Fee: $250
Why: You earn 3X per dollar spent at supermarkets when paying with your EveryDay Preferred Card (The 3X, however, is capped at $6,000 in annual spending.)
Plus, you earn a 50% points bonus when you use your EveryDay Preferred Card 30 or more times in a billing period. That potentially makes each supermarket dollar worth 4.5 points.
Welcome Offer: Earn 30,000 Membership Rewards Points after spending $2,000 in purchases within three months of being approved.
Other Benefits: 2X at U.S. gas stations.
Annual Fee: $95
More Information: Learn more now about the American Express EveryDay Preferred Credit Card
Why: The Blue Cash Everyday Card is the Blue Cash Preferred Card’s no annual fee, lower-earning sibling. It earns 3% cashback on U.S. supermarket purchases on up to $6,000 in yearly supermarket spending. The cashback is awarded in the form of statement credits.
Welcome Offer: Receive 20% cashback on Amazon purchases (up to $200 back) within six months of being approved. Earn a $100 statement credit after you spend $1,000 in purchases within three months of being approved.
Other Benefits: 2% cashback at U.S. gas stations and select U.S. department stores.
Annual Fee: None.
8. Citi Premier Card
Why: The Citi Premier Card earns an uncapped 3X at supermarkets.
Other Benefits: 3X on travel, 3X at gas stations, 3X on dining, 2X on entertainment.
Welcome Bonus: 60,000 bonus Thank You points after you spend $4,000 within three months of being approved.
Annual Fee: $95
More Information: Learn more about rewards cards!
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