The Best Credit Cards To Maximize Grocery Store/Supermarket Spending

According to USA Today, the average American family spendsĀ 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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Here Are The Discover Card Quarterly Bonus Categories For 2019

Discover just announced the quarterly bonus categories for all of 2019. Every three months, Discover offers 5% cash back on specific types of purchases, up to a limit of $1,500 each quarter. If you max out the bonuses all year long, that’s an additional $300 in cash back. Not bad for a card with no annual fee.

I’m sure there are ways you can get better than a 5% return with a rewards card if you’re maximizing your points earning and redemptions. Personally, I feel that sometimes 5% off is just fine for me. Sharon will even allow the Discover to creep into her wallet if it’s a simple request like, “Use this card for gas stations for the next three months.”

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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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