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Which cards should you use for online grocery delivery services?

June 30, 2022
4 min read
an unseen person shops for groceries on a laptop
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Editor’s note: This is a recurring post, regularly updated with new information.

Before 2020, I got almost nothing delivered. I was the kind of person who enjoyed perusing stores and boutiques for clothes, and I found grocery shopping a cathartic part of my weekly schedule. The only thing I ever had delivered was takeout on occasion and maybe the odd Amazon order if I couldn’t find what I needed in person.

Of course, the coronavirus pandemic changed that — not just for me, but for everyone — and ordering groceries online, via services like Instacart, is now a regular part of daily life.

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Of course, switching to online grocery shopping doesn’t mean I stopped trying to maximize those purchases. Here are a few of the popular online grocery delivery services and which cards will earn rewards at each.

Related: Your definitive guide to online grocery delivery services

Amazon Fresh

Amazon Fresh codes as an Amazon purchase, which means you’ll want to use cards that earn extra on Amazon.

The Amazon Prime Rewards Visa Card is the obvious choice, earning 5% cash back on Amazon and Whole Foods purchases (plus a nice $100 Amazon gift card as a welcome bonus). While Amazon doesn’t code as groceries for cards, you can purchase Amazon gift cards at your local supermarket that will earn points.

There's also the lower-tier Amazon Rewards Visa Card, which earns 3% back on Amazon and Whole Foods purchases along with a $50 gift card welcome bonus.

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The information for the Amazon Prime Visa has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Best cards for Amazon


(Denver Post Photo by Cyrus McCrimmon)

Here's the great news: Instacart purchases code as groceries, which means you can use any standard grocery credit card for those purchases. Here are some cards to consider for Instacart:

Related: Best credit cards for groceries

Local grocery delivery services

Your local grocery store chain may have its own delivery service that you can use. For example, my local Harris Teeter offers delivery in my area. Because these purchases are made through the grocery stores, you should use the same cards you normally would at the grocery store.

Related: A complete list of online grocery delivery promo codes

(Photo by Carol Yepes/Getty Images)

Bottom line

Though not all cards are optimal for both, there's some definite overlap between cards ideal for online delivery services and cards ideal for in-store grocery purchases.

Play around with your strategy — depending on what cards are in your wallet and what cards you want to look into — and start enjoying online grocery shopping to its fullest.

Additional reporting by Ryan Wilcox.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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