The Two Best Credit Cards for Grocery Purchases

Sarah Lifestyle

According to the USDA, on average, grocery purchases every month for a family of four can run between $565 to $1,286, depending heavily on the area where you live. This is a pretty significant amount, and if you’re trying to save money, a credit card that rewards you for grocery purchases could be exactly what you need. If you’re looking to find the best credit card for groceries, you’re probably going to be choosing between two Chase cards. Here’s what you need to know to decide on the best Chase card for groceries.

1. Chase Freedom Flex Card

The Chase Freedom Flex card is a great card for anyone who’s looking for rewards opportunities, but it’s especially great when it comes to groceries. You’ll earn 5% cash back on grocery purchases on up to $12,000 in grocery purchases in the first year, which means it’s possible to earn up to $600 in essentially free money if you were going to make those purchases anyway.

The Chase Freedom Flex card also has no annual fee, which means you don’t have to add it to your family budget when you sign up. You can access a sign-up bonus of $200 if you spend just $500 in the first three months, which is a sign-up bonus that should be easy for just about any family to hit. Plus, there are a variety of benefits that you can access with the Chase Freedom Flex card, including a complimentary ShopRunner membership to get free two-day shipping at many online retailers.

2. Chase Freedom Unlimited Card

The Chase Freedom Unlimited card is very similar to the Chase Freedom Flex card. Like the Chase Freedom Flex, you’ll earn 5% cash back on your grocery purchases up to $12,000 in the first year, and there’s also no annual fee. The sign-up bonus is also $200, which you can access as long as you spend $500 on purchases within the first three months. Overall, the Chase Freedom Unlimited card and the Chase Freedom Flex cards are very similar.

There may be some differences in the APR; the Chase Freedom Unlimited card offers a 0% introductory APR for 15 months from the time you open an account, which can make it great if you’re planning to make a large purchase soon. Additionally, Chase Freedom Unlimited offers 1.5% cashback on general purchases, whereas the Chase Freedom Flex card gives 1% cashback. That extra .5% may not be much, but it can still make a difference.

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


Grocery purchases are one of the things that every family will have to spend a significant amount of their budget on, so why not make sure that your grocery purchases are really doing some work for you? If you sign up for a great credit card for your grocery purchases, you can get cashback on all your grocery orders and more. These two cards are great options if you’re interested in starting to earn some money for making purchases with your credit card.