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Last weekend at the grocery store, I watched the total climb past $150 before I’d even scanned the meat at the self-checkout.
It’s a familiar feeling for a lot of people right now. Food costs are high, and every grocery run seems to sting a little more.
But if you’re looking for small ways to stretch your budget, sometimes the easiest fix is hiding in your wallet.
How a grocery card saves you real money
The best grocery cards pay up to 6% back at the supermarket. For a family spending $500 a month on food, that’s roughly $360 a year in cash back for doing absolutely nothing different.
It’s also effortless. Just use it when you shop and let the rewards stack up. You can redeem them for statement credits, which directly lower your grocery bill.
Why it works so well for families
Most households don’t have much wiggle room in the grocery budget. A card like this effectively builds a cash-back cushion that helps offset rising costs; especially if you and your partner each have one.
That setup can effectively double your rewards cap, letting your household earn twice as much back per year just on groceries. You’ll hit the same stores, buy the same food, and end up with a bigger balance in your pocket.
Is it really that easy?
You can’t control food prices, but you can control how you pay for them.
Using a top grocery credit card turns every cart of groceries into a small win that adds up fast over a year.
See the best credit cards for groceries and start saving on your next grocery run.
Alert: highest cash back card we’ve seen now has 0% intro APR well into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes.
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