Best Credit Cards for Groceries
Supermarkets, grocery stores, and food shopping
7
4 MPD
3000
Quick Answer
The best credit card for groceries is UOB Preferred Platinum Visa
Why: 4 MPD with cap at $600 a month per spend type. Included in whitelist and not excluded
Top Cards for Groceries
UOB Preferred Platinum Visa
Included in whitelist and not excluded
Rank
Citibank Rewards MasterCard
Not excluded
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)
Rank
Woman's World MasterCard
Not excluded
Note: Online spend only
Rank
UOB Visa Signature
Not excluded
Note: Offline: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
Rank
UOB Lady's Card
Eligible under Family category
Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
Rank
Choose Based on Your Spending
Light Spender
Under $500/month
Best:
UOB Preferred Platinum Visa
No need to worry about caps with light spending
Moderate Spender
$500-2,000/month
Best:
Citibank Rewards MasterCard
Balance between rate and cap utilization
Heavy Spender
Over $2,000/month
Best:
Woman's World MasterCard
Maximize rewards with card pairing strategy
Understanding Groceries MCC Codes
Groceries includes the following Merchant Category Codes (MCC):
Expert Tips for Groceries
Maximize Monthly Caps
Most cards have monthly caps. Plan your spending to hit the cap without going over.
Consider Card Pairing
Use 2-3 cards to cover different categories and maximize overall rewards.
Check Online vs Offline
Some cards only work for online or offline transactions. Verify before spending.