Save on Staples: Top-rated Credit Cards for Grocery Purchases

Using credit cards for grocery purchases can provide significant benefits, especially when it comes to saving money on everyday items. Staples, primarily known for office supplies, also offers groceries and related items, making it essential to choose the right credit card to maximize savings. In this article, we will explore some of the top-rated credit cards suitable for grocery purchases and how they can help you save at Staples and other retailers.

The Importance of Choosing the Right Credit Card

With the myriad of credit cards available, selecting one that aligns with your shopping habits is vital. Grocery purchases can add up quickly, so a credit card with rewards tailored to grocery spending can lead to substantial savings over time. Additionally, understanding various perks, interest rates, and annual fees can help you make an informed decision.

1. Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card is a popular choice for grocery shoppers. It offers:

• 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year)
• 3% cash back on gas stations and select department stores
• 1% cash back on other purchases
• A yearly $95 annual fee, which can be offset easily by the cash back earned on grocery purchases

With its exceptional cash back rate on groceries, this card is ideal for families or anyone who spends significantly on food and household items at Staples.

2. Chase Freedom Flex℠

The Chase Freedom Flex℠ card offers a flexible rewards program that changes quarterly. Some of its benefits include:

• 5% cash back on rotating categories (including grocery stores, up to $1,500 each quarter)
• 3% cash back on dining and drugstore purchases
• 1% cash back on all other purchases
• No annual fee

This card is exceptional for consumers who can keep track of categories and time their grocery shopping to take advantage of bonus cash back periods.

3. Capital One Spark Cash for Business

For small business owners who purchase groceries for their operations, the Capital One Spark Cash for Business card can be a valuable tool:

• Unlimited 2% cash back on every purchase
• One-time $500 cash bonus after spending $4,500 in the first 3 months
• No annual fee for the first year (then $95)

This card is perfect for business owners looking to make purchases at Staples while earning a consistent cash back rate on all transactions.

4. Amazon Prime Rewards Visa Signature Card

If you frequently shop for groceries online or at stores like Staples, the Amazon Prime Rewards Visa Signature Card is a fantastic choice:

• 5% cash back on Amazon.com and Whole Foods Market purchases
• 2% cash back at restaurants, gas stations, and drugstores
• 1% cash back on all other purchases
• Requires an Amazon Prime membership

By using this card for grocery shopping, you can earn significant rewards, especially if you have a Prime membership and regularly shop on Amazon.

5. Discover it® Cash Back

The Discover it® Cash Back card provides 5% cash back on rotating categories, including grocery stores:

• 5% cash back on rotating categories, up to the quarterly limit when you activate
• 1% cash back on all other purchases
• No annual fee
• Cash back matches your first year’s total at the end of your first year

For consumers who can strategize their grocery shopping effectively, this card can yield impressive savings over time.

Conclusion

Choosing the right credit card for grocery purchases at Staples and other retailers can lead to substantial savings. Cards with high cash back rates on groceries, rotating categories, and flexible rewards programs offer the best potential for maximizing returns on everyday purchases. Whether you prefer a straightforward cash back rate or a card that allows you to earn from various categories, there is a suitable option for you. Always consider your spending habits, and choose a card that aligns with your financial goals to enjoy significant savings on your grocery bills.