8 Grocery Stores With Credit Cards Worth Considering, Texas’ H-E-B Makes the Cut

Grocery stores and credit cards don’t go hand-in-hand in the mind of many Texans.

But in a world where rewards points, cash-back perks, and member-only discounts can make or break your budget, some grocery chains have made it worthwhile to open up a store-branded credit card.

As for others? Not so much.

We’ve rounded up the credit cards that, in our opinion, won’t clutter your wallet. Some of these cards offer perks like gas savings, grocery discounts, and access to bigger coupons than regular customers get.

If you regularly visit one of the supermarkets on this list, it might be time to sign up for their credit card.

A Word of Caution

While some store credit cards offer impressive perks, they only make sense if you can afford to pay off your balance in full each month. The second you start carrying interest, those rewards and cashback deals disappear fast.

High APRs on store cards are common, and a missed payment or late fee can wipe out months of savings.

If you’re already managing debt or living paycheck to paycheck, it’s probably smarter to stick with a debit card or cash until your finances are steadier.

Furthermore, credit card offerings and signup perks are constantly changing. So, double-check the card’s offerings online before signing up.

Keeping these disclaimers in mind, these are some of the best grocery store credit cards across the U.S.

1. Kroger Rewards World Elite Mastercard

The Kroger Rewards World Elite Mastercard is packed with perks for loyal Kroger shoppers.

Kroger’s card also gives you 2x Fuel Points after you’re approved and complete their Boost enrollment. That can make a noticeable difference in your bottom financial line during months when gas prices spike.

There’s no annual fee, and cardholders often get exclusive mailer coupons and digital discounts not available to non-cardholders.

If you shop at any Kroger-owned stores like Ralphs, King Soopers, or Fred Meyer, this card works there, too.

2. Costco Anywhere Visa Card by Citi

You need a Costco membership to get this card, but it’s worth it if you shop there regularly.

It works like a regular Visa card, so you can use it anywhere, not just at Costco.

But the biggest rewards come from using it at the warehouse and gas pumps.

There’s no annual fee for the card itself, though you do need to pay for a Costco membership.

Each February, you get your cashback rewards as a certificate, which can be redeemed for cash or merchandise at Costco.

3. Sam’s Club Mastercard

Sam’s Club offers its own Mastercard, and the perks are surprisingly generous—especially if you’re a Plus member.

You get 5% back on gas (up to $6,000 a year), 3% on dining, and 1% everywhere else.

There’s no annual fee for the card, and it also functions as your membership card.

So, no need to fumble around with multiple cards when you check out.

4. Target Circle Credit Card

The Target Circle Card isn’t always a credit card; it comes in debit, credit, and reloadable versions. But the Circle Credit Card still earns a spot here.

You also get free shipping on many online orders and an extended return window.

That 5% discount really adds up, especially for households that do their grocery and household item shopping in the same trip.

And yes, it stacks with other coupons and Circle deals.

5. Amazon Prime Visa

This might not look like a grocery store card at first, but it’s a hidden gem for Whole Foods shoppers. If you’re an Amazon Prime member, you can use the Amazon Prime Visa to get 3% back at Whole Foods Market and Amazon.com.

Whole Foods prices are notoriously high, so 3% back is a welcome way to take a little sting out of the checkout total.

You’ll need to be a Prime member to get the best rewards, but there’s no additional annual fee for the card itself.

For folks who shop at Whole Foods regularly, this one’s a keeper in our eyes.

6. BJ’s One+ Mastercard

BJ’s has its own line of credit cards through Capital One, and the BJ’s One+ Mastercard is the one to beat.

There’s no annual fee and rewards show up quickly, so you’re not waiting forever to use them.

You can redeem your cash back directly at the register or online, which is incredibly convenient.

This card works especially well for people who already do most of their grocery and household shopping in big hauls at BJ’s.

If you’ve ever wheeled out two carts from BJ’s, you can imagine how fast those points can stack.

7. H-E-B Credit Card

H-E-B partnered with Mastercard to release a store-branded credit card that focuses on both savings and community.

There’s no annual fee, and rewards are issued as statement credits—no need to manually redeem anything.

If you’re already stocking up on H-E-B’s store brands (and let’s be honest, most Texans are), this is a way to get paid back for your loyalty.

8. Meijer Mastercard

The Meijer Credit Card offers decent savings if you live near one of their stores. Cardholders save 10¢ per gallon on Meijer gas and get exclusive promotions and savings events throughout the year.

You won’t get traditional cash back, but you will find a rotating list of discounts and coupon events available only to Meijer cardholders.

These perks often stack with mPerks rewards.

Meijer doesn’t have as widespread a footprint as other chains. But in the Midwest, this card is a solid pick for regular shoppers looking to save on groceries and gas.

Aldi — No Card, But Still Worth Mentioning

Aldi doesn’t offer a store credit card. And honestly, it doesn’t really need to.

The whole point of Aldi is low prices every day, no gimmicks, no credit card promotions, and no rewards programs to keep track of.

However, if you use a solid cash-back card like the Blue Cash Preferred® Card from American Express (which gives 6% back on groceries up to $6,000 in annual spending per year), Aldi purchases qualify for that rate.

So, while Aldi itself won’t push a store-branded card, it still makes sense to pair your Aldi shopping with a general credit card that rewards grocery spending.

Discover Cards With Grocery Perks

While not store-branded, Discover’s rotating 5% cash back calendar often includes grocery stores as a featured category. When activated, you can earn 5% back on up to $1,500 in grocery purchases during select months.

Outside those months, Discover cards still give 1% back on all purchases, with no annual fee and a “cashback match” your first year.

These cards are especially helpful for shoppers who spread their spending across different grocery chains and want flexibility without committing to one store.

Grocery Store Credit Cards That Aren’t Worth It

Not every store-branded credit card is a smart choice. In fact, a few of them are more trouble than they’re worth. They may advertise flashy perks, but when you look closer, the fine print usually tells a different story.

One example is store cards that can only be used at the store itself.

These “closed-loop” cards don’t work anywhere else, which limits their usefulness. If you forget your main card at home, sure, it’ll help in a pinch. But it won’t do much for everyday purchases outside the grocery aisle.