9 Grocery Credit Cards for Bad Credit (Feb. 2024)

Grocery Credit Cards For Bad Credit

If you’re like most people, one of the biggest line items in your budget is your grocery spending, especially if you have a big family. And as food prices have increased because of inflation, more and more families are looking for ways to save on their grocery bills.

One way to maximize your spending is to get a grocery credit card that provides rewards on your purchases. But with so many credit cards on the market, it can be hard to find the right one — especially if you have bad credit. 

Below we share our top picks for the best cards for people with bad credit that pay rewards on grocery purchases. 

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Best Unsecured Grocery Cards For Bad Credit

The following cards are all unsecured cards that offer cash back rewards on most purchases, including those made at the grocery store. The interest rates on these cards tend to be high, so you’ll need to pay your balance in full each month to avoid hefty interest charges that don’t outweigh the rewards you earn.

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®†
    *See Program Terms for important information about the cash back rewards program.
    ** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
    † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
7 minutes 29.99% or 36% Fixed Yes 8.0/10

The Aspire® Cash Back Reward Card pays 3% cash back on grocery purchases, plus gas and utility bill payments. All other eligible purchases earn 1% back. Aspire also offers free credit score updates, which is helpful for consumers trying to fix their credit.

You can manage your account online or via the Android or iPhone app. This card does come with a substantial annual fee, so make sure you’ll earn more in rewards than you’ll pay in fees.

Rewards can be redeemed as a statement credit on your account, reducing your overall credit card balance. Your account must be in good standing, i.e., no overdue payments, to use your rewards.

  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Perfect credit not required
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Opportunity to request credit limit increase after twelve months, fee applies
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • ^^See Revvi Rewards Programs Terms & Conditions for details
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 35.99%* Yes 8.0/10

With the Revvi Card, users can earn rewards when they pay off their credit card balance. Rewards can be redeemed as statement credit but will expire if you close your account. 

Users will have to pay an annual fee as with other unsecured grocery cards on this list. There is also a one-time program fee and a monthly service fee that is waived for the first year. 

However, your payments will be reported to all three credit bureaus, helping you build credit with regular on-time payments, and you’ll also get a free credit score update from TransUnion to stay on top of your progress.

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®†
    *See Program Terms for important information about the cash back rewards program.
    **Fraud liability subject to Mastercard® rules.
    † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
7 minutes 29.99% or 36% Fixed Yes 8.0/10

Like other cards on this list, you’ll get free credit score updates with the Fortiva® Mastercard® Credit Card. It also pays 3% cash back on grocery purchases. The issuer will report your payments to all three credit bureaus. 

Plus, the issuer will review your account regularly to see if you qualify for a higher credit limit. Getting a larger credit limit can help boost your credit score by lowering your credit utilization ratio if you carry a balance on the card.

Be sure to read the terms and conditions before applying so you understand the many fees you’ll be charged to own this card.

★★★★★

4.5

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
10 minutes 35.99%* Yes 8.0/10

The First Access Visa® Card provides 1% cash back on payments made to the card, so you’ll earn a small bit back when you pay off your grocery spending. While the rewards rate is low, it’s an unsecured card for bad credit that doesn’t require a deposit for approval. 

The initial credit limit is minimal, but you may qualify for credit limit increases over time. This card is a good tool to help improve your credit score over time and move on to a better card without as many fees. 

Speaking of fees, be sure to carefully read the credit card terms to see the cost of owning this card — it doesn’t come cheap, but it’s a viable option for someone with bad credit. 

★★★★★

4.5

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 minutes 35.99%* Yes 8.5/10

The Total Visa® Card is a card for those with bad credit who also want the chance to earn cash back rewards on eligible purchases. This card charges an annual fee, as well as a monthly servicing fee and a program fee — all fees you won’t face if you choose a secured card instead.

That said, if you want an unsecured that doesn’t require a deposit but you have a bad credit score, the Total Visa Card may fit the bill. 

You’ll get free credit score monitoring from the credit bureau TransUnion, and Total will report your payments to all three credit bureaus, so if you pay your bills on time, you may see your score increase over time.

Secured Rewards Cards From Major Banks

If you have bad credit and want a rewards card, one of your best options is to choose a secured credit card. A secured credit card requires a monetary deposit from the cardholder that acts as collateral for the credit card company. 

This deposit helps protect the bank from default if miss a payment, which people with poor credit are statistically more likely to do. But that deposit is fully refundable after a period of responsible use. Unsecured cards for bad credit never refund any of the fees you pay, including the annual fee or other “program” fees they may charge.

Secured versus unsecured based on credit score graphic

While most major banks and some credit unions provide secured cards, not all credit card issuers offer secured credit cards. For example, American Express only has unsecured cards on its roster.

If you’re interested in getting a secured rewards card, here are our top picks, in order of the most cash back paid on grocery purchases:

6. Bank of America® Customized Cash Rewards Secured Credit Card

The Bank of America® Customized Cash Rewards Secured Credit Card is one of the many secured credit cards that offers cash back rewards on everyday eligible purchases. Users will earn 3% cash back in a category of their choice, but purchases at grocery stores and wholesale clubs will only earn 2% back and 1% cash back on all other purchases. 

The Bank of America Customized Cash Rewards Secured Credit Card

This card has no annual fee, and there are no caps on how much cash back you can earn. You’ll also get free access to your FICO credit score, contactless chip technology, account alerts, and $0 liability protection against fraudulent purchases. 

Plus, if you already have a Bank of America bank account, you may receive a higher cash back percentage on your purchases depending on your Preferred Rewards status.

7. U.S. Bank Altitude® Go Secured Visa® Card 

The U.S. Bank Altitude® Go Secured Visa® Card requires a security deposit of between $300 and $5,000, which is a little higher than what most secured cards require. That said, your limit will match your deposit amount, so you’ll have a higher corresponding credit limit as well. 

Cardholders will earn 2X points per dollar spent at grocery stores and on grocery delivery services, among other things. But you’ll also earn 4X points on dining, takeout, and restaurant delivery. All other purchases earn 1 point per dollar.

You’ll get to choose your payment due date with this card, and it comes with other benefits such as contactless payments, zero fraud liability protection, and mobile wallet compatibility. 

8. Quicksilver Secured from Capital One

The Quicksilver Secured from Capital One offers 1.5% cash back on all purchases, with no annual limit. There is also no annual fee. The card requires a minimum $200 security deposit that will serve as the collateral for the card. 

The Capital One Quicksilver Secured Card

Capital One may begin to periodically review your account to see if you qualify for a higher credit limit without another deposit, which can help boost your credit score. Plus, if you continue to be a responsible cardholder, Capital One may return your deposit and upgrade your card to the unsecured Quicksilver card. 

This card has no annual fee and no foreign transaction fees, so it’s a great choice if you plan to travel abroad. Like other card companies, Capital One offers free credit score updates so you can monitor your credit-building progress.

9. Bank of America® Unlimited Cash Rewards Secured Credit Card 

The Bank of America® Unlimited Cash Rewards Secured Credit Card provides 1.5% cash back on all eligible purchases, with no limit to how much you can earn in rewards. Rewards do not expire. Bank of America will provide you with a free FICO credit score updated monthly.

Bank of America Unlimited Cash Rewards Secured Credit Card 

This card has no annual fee, and though the interest rate is high, it’s still generally lower than most unsecured cards for bad credit. The minimum deposit required is $200 and the maximum amount is $5,000. Bank of America will review the account every so often to see if you are eligible to be upgraded to an unsecured card.

Cash back rewards can be redeemed into your linked Bank of America checking or savings account, as a statement credit, or into a Merrill investment account, like a 529 account. 

How To Get Approved For a Grocery Credit Card with Bad Credit  

If you have bad credit, getting approved for a credit card, especially one that offers rewards, can be tricky. Fortunately, plenty of cards on this list were specifically created for consumers with poor credit or no credit history. 

First, make sure you meet the general requirements, which often include being 18 or older and having a US mailing address. You also usually need to have a steady source of income, which may include income from a W-2 job, self-employment income, or government benefits such as Social Security or disability.

If you are having trouble getting approved for an unsecured card, you may have better luck with a secured card. If you have limited means, try to find the secured card with the lowest possible deposit requirement. 

How Do Grocery Credit Cards Work?

A grocery credit card works just like any other credit card. When you are ready to check out, you will swipe, tap, or insert your credit card. Once the purchase has gone through, it will be posted to your account, and you will receive any eligible rewards.

Some card companies post your rewards once the statement period has passed, other after the balance is paid. Also, most cards will not provide rewards on any returned items, balance transfers, or cash advances

More about grocery credit cards graphic

Depending on the credit card you have, there may be limits on the rewards points or cash back you can earn per year. Also, there may be limits on the types of stores that count as grocery stores. For example, if you buy groceries at a warehouse club, they may not be treated as grocery stores. 

Consider where you buy your groceries before choosing the best grocery credit card for you.

Is It Hard to Get a Rewards Card for Bad Credit?

If you have bad credit, getting any kind of credit card can be a struggle. But that’s often even more true if you want a rewards card. 

Rewards credit cards often have higher credit score thresholds. And if you do find a rewards card that accepts people with bad credit, there may be high annual fees or APRs.

Fortunately, there are still plenty of options, whether you prefer an unsecured or secured credit card. And while you may have to pay an annual fee and a higher interest rate, you can still earn rewards for your grocery spending.  

Unsecured versus secured credit card graphic

Secured cards are generally easier to get approved for than unsecured cards because the deposit reduces the risk to the bank. And, secured cards refund the deposit after a period of responsible use and have lower interest rates and fees, making them the superior long-term option. 

Plus, you can qualify for a secured card from a major credit card company rather than a lesser-known bank that only issues subprime unsecured cards.

Can I Earn Rewards on Grocery Delivery or Pick-Up Services? 

In a post-COVID world, many consumers still prefer having their groceries delivered or available for pick-up. If you order directly from the grocery store, then you should be able to still earn rewards points or cash back on those purchases. 

However, if you use a third-party app, those transactions may not be categorized the same as if you were buying directly from the grocery store.

Also, grocery rewards may not apply to food delivery or take-out, but this depends on your specific card. If you frequently use grocery delivery or pick-up services, then try to verify that you’ll still earn extra cash back rewards on these purchases.

Which Credit Cards Accept 500 Credit Scores?

Credit scores generally range from 300 to 850. If you have a 500 credit score, that is considered bad because it is below 580, the threshold for “bad credit,” according to FICO.

Fico Score Ranges graphic

Therefore, it is in your best interest to only apply for credit cards that accept applicants with bad credit. The bad news is you may only be eligible for a secured credit card. 

Secured credit cards often have no or low credit score requirements, which makes them perfect if you have a 500 credit score. Most secured cards will report payments to all three credit bureaus so you can work on improving your credit score while also potentially earning rewards. 

Plus, over time, you may receive your deposit back if you can show a solid history of on-time payments.  

Which Grocery Stores Have Credit Cards?

Many grocery stores have their own branded credit cards, and a few have options for consumers with bad and good credit. The bad credit versions are typically closed-loop, meaning they can only be used at the respective store. There’s generally only one application, and your credit history will determine which version you qualify for. 

Here is a list of big-name grocers with credit cards for bad credit. While a few other grocers, such as Costco and Kroger, have credit cards, they require good credit for approval and were excluded from this list: 

  • Walmart: Walmart Store Card (bad credit) and Capital One® Walmart Rewards® Card (good credit)
  • Target: Target RedCard (bad credit) and Target RedCard Mastercard (good credit)
  • Sam’s Club: Sam’s Club Credit Card (bad credit) and Sam’s Club Mastercard (good credit)
  • Amazon: Amazon Secured Card (bad credit), Amazon Store Card (bad/fair credit), Amazon Visa (good credit)

Some of these stores also offer a debit card version without credit score requirements that provides cash back on purchases made at the store.

Use a Credit Card to Earn Easy Grocery Rewards

Choosing the best credit card when you have bad credit can be tricky, especially if you’re looking for an unsecured rewards credit card. But with so many credit cards for bad credit available, there’s no reason why even someone with a poor credit history can’t find a rewards card.

Just make sure you compare the cards carefully, looking at all the fees and interest rates. You must also decide whether to choose an unsecured or secured rewards credit card. Remember, many secured credit cards can be converted into unsecured cards later if you consistently make your payments on time.

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