The Best Credit Cards To Maximize Grocery Store/Supermarket Spending

According to USA Today, the average American family spends 10% of their income to pay for food, with that spending split almost evenly between eating out and eating at home. Plenty of credit cards provide bonuses for spending on restaurants, fast food and coffee shops but far fewer provide a bonus when buying groceries.

For a spending category that, on average, is 5% of your income, it makes sense to have a card that maximizes the points earned on those purchases. If you don’t want to have a card just for grocery spending, you should at least know which one of your cards will earn you the most amount of points possible.

These bonuses do not include grocery purchases made at Walmart, Target or any discount club like Sam’s Club, Costco or BJ’s.

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The Reason You Need To Pool Your Chase Ultimate Rewards (It’s Not What You Think)

In May of 2018, I wrote an article that told everyone to pool their Chase accounts into whichever one was the most valuable because the ability to do so might be going away. It was a big story for like a week and there was plenty of hand wringing and mumbling (Sharon: “Was this all happening in the points and miles blogger world?” Joe: “Yes.” Sharon: “Oh, OK. Cuz I don’t remember wringing my hands and mumbling but I don’t do the points and miles thing, so that make sense now.”) but eventually, nothing happened. Everyone moved along to the next crisis and the issue was pretty much forgotten with no new news. And when it comes to points and miles, Gary Gnu taught me growing up that no gnews is good gnews.

 

The Great Space Coaster, but I digress. Back to the topic, combining Chase Ultimate Rewards.

At the beginning of 2019, Gary from View from the Wing (no relation to the Gnu) posted that while Chase had considered stopping customers from combining points, there was no current plans to implement such a restriction. He provided a quote from an article in the Wall Street Journal:

JPMorgan executives debated whether to stop letting cardholders pool together points from multiple cards, according to people familiar with the matter. JPMorgan’s [spokeswoman Mary Jane] Rogers said the bank has no current plans to stop cardholders from pooling points.

Like he says, this is no guarantee they won’t change their minds about this but I guess it’s still more of a positive than a negative for them, both from financial and publicity standpoints.

So why do I think it’s wise for you to combine your points into a single account?

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Save Money On Every Fill Up With Fuel Rewards

Fuel Rewards is a program that provides discounts at Shell gas stations. It’s free to sign up and everyone who joins automatically gets some type of savings. You can save more by taking certain actions (i.e. using a shopping portal or dining program) or by having a card belonging to one of their partners.

Let’s first talk about signing up for Fuel Rewards.

If you’re not already a member, you can get 25 cents off per gallon on your first fill up after joining. We have a referral link where we’ll also get a credit for for new signups. You want to support YMMV, don’t you?

Once a member, you have automatic gold status for 6 months. The ongoing membership process is a little more difficult to follow:

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It’s Not Too Late To Get 5% Back At Restaurants, Gas Stations, Walgreens and Lyft

The Discover It Cash Back card and The Chase Freedom card both have rotating categories where you can earn 5% back every three months. We’re into the last month of the third quarter but it’s not too late to maximize your benefits. There’s not many opportunities to earn a 5% return on purchases so you need to make them count when you can.

What’s really great is that both of these cards charge no annual fee so you’re getting 5% cash back with no out of pocket costs.

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