Shopping for groceries is a task that many people love to hate. Sometimes, getting off the couch and heading to the grocery store can be exhausting. Other times, it’s fun to wander the aisles looking for the perfect ingredients for a new recipe.
Many points and miles fanatics are actively looking for ways to shop for groceries online while still earning as many rewards as possible.
Here are some popular online grocery delivery services, along with cards that earn rewards for each.
Walmart
Most credit cards do not include Walmart as an eligible store for grocery shopping bonus rewards. When shopping at Walmart, choose one of the following options to ensure you’ll earn more than 1 point (or 1% cash back) for every $1 you spend:
Amazon Fresh
Amazon Fresh codes work as Amazon purchases, which means you need to use a card that earns extra rewards on Amazon.
this Premium visa (See Rates & Fees) Cards are the obvious choice, and you can earn 5% cash back on Amazon and Whole Foods purchases with a qualifying Prime membership (plus, get a $150 Amazon gift card immediately after you get a qualifying Prime membership).
There’s also a lower-tier Amazon Visa card that earns 3% back on purchases at Amazon and Whole Foods.
Amazon Visa information is collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
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Other useful cards to help maximize rewards are Chase Freedom Flex® (See Rates & Fees) and Discover it® Cash Back. Both cards come with rotating 5% cash back categories each quarter (up to $1,500 per quarter with Freedom Flex; activation required). Amazon typically shows up once a year as a rotating category.
Discover it cash back information is independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
RELATED: 2 Grocery Cards, Double the Rewards: Why I Double Up at the Supermarket
Instant shopping cart
Here’s the good news: Instacart purchases codes as groceries, which means you can use any standard grocery credit card to make these purchases.
Here are some cards to consider with Instacart:
Instacart Mastercard information is collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: The best credit cards for groceries
Local Grocery Delivery Service
Your local grocery store chain may have its own delivery service you can use. Since these purchases are made through the grocery store itself, you should use the same card you would normally use at the grocery store.
Plus, purchasing codes at Walmart Neighborhood Market is just like buying groceries.
Here are some of the top cards for these purchases:
- American Express Gold Card: Earn 4 points for every $1 spent at U.S. supermarkets (1 point for every $1 spent on purchases up to $25,000 per calendar year).
- American Express Blue Cash Priority: As mentioned above, earn 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%). Cash back is received in the form of Reward Dollars, which can be used as statement points and redeemed at checkout on amazon.com.
- American Express Blue Cash Everyday® Card: Earn 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%). Cash back is received in the form of Reward Dollars, which can be used as statement points and redeemed at checkout on amazon.com.
- Chasing freedom and flexibility: Earn 5% cash back on combined purchases of up to $1,500 in bonus categories each quarter you activate. Groceries typically account for 5% of the category.
bottom line
While not all cards are suitable for both, there is some overlap between the ideal cards for online delivery services and in-store grocery shopping.
Use your strategy (depending on which cards you have in your wallet and which ones you want to check) and get the most out of online grocery shopping.
Related: Why I love grocery shopping with my Chase Sapphire Preferred — and you might too
