Should you use a credit card for groceries?

Yes, you should use a credit card for groceries. Using a credit card for grocery shopping is a good idea because it is convenient, secure, and a great opportunity to earn rewards – with the potential to save you up to 6% every time you buy groceries.

Why You Should Use a Credit Card for Groceries

• Convenience. Carrying a credit card is easier than making sure you have enough cash on hand, or in your checking account, to buy groceries.
• Security. $0 fraud liability protects you against unauthorized charges.
• Rewards. Some credit cards give you an opportunity to earn 1% to 6% back on grocery purchases.

The best credit card to use for groceries is the Blue Cash Preferred® Card from American Express because it gives 6% cash back at U.S. grocery stores, up to $6,000 spent annually (then 1% cash back), earned as statement credit. Although Blue Cash Preferred charges an annual fee, the card can pay for itself with rewards earnings if you use it right. For example, it’s important that you pay off the entire balance each month because interest charges might otherwise wipe out any earned cash back rewards.