The Best Grocery Card for a Family of Four
If your family's grocery bills exceed $1,000 a month, one card stands out for maximizing cash back without spending caps. It offers strong rewards across groceries and dining, plus a generous welcome package.
Welcome Offer
- $300 total in welcome bonuses
- Includes a limited-time $100 Capital One Travel credit
- Earn an extra $200 cash bonus after spending $500 within 3 months of opening your account
Key Benefits
The card has no annual fee and provides a 0% introductory APR for 12 months, followed by a variable rate ranging from 18.99% to 28.99%. It’s a practical choice for families aiming to build rewards with minimal financial risk.
Real-Life Comparison
Assume your household spends around $1,200 a month on groceries, including $150–$200 on wine and craft beer, which still qualify as grocery purchases if bought in-store.
A 6% grocery card typically limits rewards to $500 in spending per month and comes with a $95 annual fee.
By contrast, the Capital One Savor card earns unlimited 3% cash back with no annual fee—resulting in about $83 more in net rewards for the same spending. Families spending closer to $1,500 per month could see over $600 a year in rewards.
Bonus Perks
Alongside grocery rewards, the card also gives you 3% back on dining, adding extra value for family meals out.
“Capital One Savor’s unlimited 3% cash back makes everyday spending more rewarding for families who shop and dine often.”
Author’s Summary: The Capital One Savor card offers strong value for families spending heavily on groceries and dining, balancing steady rewards, flexibility, and no annual cost.