If you’re on a tight budget and can’t afford to buy groceries with cash, you can use your credit card to get the food you need. It is easy to forget about your grocery budget during a time of crisis, but a credit card can help you keep a healthy grocery budget. Using your credit card to buy groceries can boost your credit score, even if you’re not able to pay with cash.
1. Maximize Your Earning
If you’re using the best chase card for groceries, you’ll be able to maximize your earnings. Many credit cards offer a certain percentage of cashback for groceries, but you need to make a minimum of $2,500 in purchases to qualify for this offer. Fortunately, some rewards cards offer a way to pair your grocery rewards with rewards on other types of spending. You can earn more rewards on groceries if you spend more than $2,500 each quarter.
2. Fraud liability Protection
When shopping for groceries, consider using your credit card. Not only is it safe and convenient, it can also help you earn rewards. Most cards offer a $0 fraud liability protection, which protects you against unauthorized charges. Plus, it’s much easier to carry your credit card than a checkbook, which can be cumbersome. In addition, some cards offer additional rewards for purchases made with your credit card. If you use your credit card at the grocery store, you’ll earn 1% to 6% cashback on all of your grocery purchases, which can add up to a nice chunk of change for your wallet.
3. Try Using Your Cash Back Credit Card
If you can’t find a card that provides the benefits you’re looking for, you can try using your cashback credit card at the grocery store you frequent. You’ll often get an extra 5% discount when using this card. However, it’s important to remember that this type of card doesn’t offer any rewards and can only be used within the Target ecosystem. If you want to get the most out of your rewards, you’ll need to consider how much you spend each month at the grocery store.
4. Help You Save Money
Using your credit card to buy groceries can help you save money. You’ll be rewarded for every dollar spent. You’ll earn bonus rewards from supermarkets that carry a certain brand. Plus, you can also use your cash card to pay for groceries. It’s not difficult to earn money with your card. You can get up to 6% cashback on your grocery purchases in the U.S. With a Blue Cash Preferred card, you’ll also enjoy statement credits and no annual fees.
5. Special Deals for Grocery Shopping
Some credit cards offer special deals or benefits that make them the ideal option for grocery shopping. For instance, if you shop a lot at your local grocery store, you can use your credit card to get discounts on the gas you fill-up. A grocery credit card can be very beneficial for your shopping spree. It can also be a great way to earn rewards for everyday purchases. If you regularly shop at the same store, you can even use your card for gas.
6. Rewards by Using your Cards for Groceries
You can also get bonus rewards by using your credit card to buy groceries. Depending on where you live, you can find a grocery card that works best for you. If you live in a region where supermarkets are plentiful, then a store-specific card will be the most valuable. A general grocery card will work well at any grocery store, but if you live in a city where there are few such stores, use a card that is widely accepted everywhere.