You can buy groceries with a credit card by swiping, tapping, or inserting your card at checkout. Getting a credit card that earns bonus rewards on groceries could potentially save you hundreds of dollars at the supermarket each year. Credit cards also provide a convenient and secure way to pay for groceries because they offer $0 liability on fraud and let you pay for purchases without carrying large amounts of cash.
How to Buy Groceries with a Credit Card
- Find a grocery store that accepts credit cards. All major grocery store chains accept credit cards, but it's always a good idea to double-check that they’ll take cards on your card’s network
- Choose the items you want to buy. Make sure to keep track of the prices and total amount you're spending.
- Head to the checkout counter. When you're ready to pay, let the cashier know that you'll be using a credit card, or select the option to pay with a card at a self-checkout counter.
- Swipe, insert, or tap your credit card. Follow the prompts on the card reader to complete the transaction. You may need to enter your PIN or sign for the purchase, depending on the store's policies and your card's requirements.
- Wait for the transaction to be approved. The card reader will usually display a message indicating that the transaction was successful.
- Take your groceries and your receipt. Double-check the receipt to make sure everything is correct and keep it for your records.
- Pay your credit card bill. You should see the charge appear on your monthly credit card statement, and you will eventually need to pay it off.
Another convenient option is to order groceries online for delivery or pick up. In that case, you’ll need to enter your card information on the store’s website or app, or use a third-party service. If you’re trying to earn bonus rewards on groceries, keep in mind that not all delivery services may qualify. Even when you buy groceries in person, larger supermarkets like Walmart or Target may not count for grocery rewards, depending on the card.
You can check out WalletHub’s picks for the best credit cards for groceries to compare the top options.
This answer was first published on 07/21/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
