Picking the right credit card for grocery shopping is no big deal; all you have to do is gauge your finances, manage your priorities, diligently research the options, and you’ll be good to go.

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According to the Bureau of Labor Statistics, on average, households in the United States spend somewhere around $4,600 on Grocery Shopping at home each year. With people spending so much annually, it would be perfect for attaining some perks or rewards for their spending.

With credit cards, this has been made possible. However, it isn’t as simple as it seems. There are many intricacies involved with credit cards, so you need to be sure that you picked the right one. Below, we have a guide on choosing suitable credit for grocery shopping in the US.

Interested in Cashback or Reward Cards?

Cashback and reward cards are something you should consider if picking a credit card because it helps a lot when grocery shopping. These cards give the customers points on their shopping which they can redeem at different areas. For instance, some topics might be good for certain airlines while others can be saved as a discount on grocery shopping. Make sure to check the annual fees to check if it’s within your budget.

Purchase Cards

Purchase cards are best suited for all those trying to stay away from paying a high amount of interest on their grocery shopping. However, don’t forget to check the amount you’ll be charged once the 0% rate comes to an end. If you think this amount will be unaffordable for you, try getting a card that has a lower APR.

Overseas Usage Card

There are many people out there who would like to have a card that they could use overseas and at supermarkets while grocery shopping. If you happen to be one of those, we would suggest you check the charges applied once you use it away from your home country. Moreover, also keep an eye on the cash withdrawal fees. While this might seem insignificant, it can amount up to a lot.

Pick a Card Based on Your Status

For students, it would be unwise to get credit cards first for those in the commercial sector. However, like Bank of America, tons of banks offer credit cards with cash reward systems. Especially for students who can use them for grocery shopping. This can be even more perfect for you if you don’t have a meal plan. This way, you can go shopping, get your grocery and manage your finances, all while living on campus.

Travel Redemption Cards

For all those out there who would like to save for their travels while they shop for groceries, travel reward redemption cards are the best option. With such cards, points are added to your system whiner you spend a particular amount at the grocery store. However, there is an annual fee attached with such cards, so be sure to check out before committing.

And there you have it! Picking the right credit card for grocery shopping is no big deal; all you have to do is gauge your finances, manage your priorities, diligently research the options, and you’ll be good to go.

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