Carrying a 0% cash back credit card is necessary if you do your own grocery shopping. The advantage is that you don’t have to pay any interest fee during the introductory period. Besides, you get to earn back some of the money you spend when you use the card to pay for your grocery shopping. The following are the five top rewards cash back credit cards with good zero percent introductory period that can be used for grocery shopping.
1. Chase Freedom
Chase Freedom is a grocery shopping card that allows you to enjoy 0% APR for up to 15 months no matter if you use the card for new purchases or balance transfers. You can earn 5% cash back when you spend money in selected bonus categories that rotate every 3 months. The 5% cash back is valid on the first $1,500 you spend in the selected bonus categories. All other purchases that do not belong in the bonus categories will be rewarded with 1% cash back. The cash back rewards can be redeemed at anytime.
2. Blue Cash Preferred Card
Blue Cash Preferred Card offers a 12 months 0% APR introductory period, after which you will be assigned an APR rate that is determined by your credit score. If your total expenditure reach up to the level of $1,000 in 3 months, they will credit back $150 to your account. The card offers 6% cash back for purchases at the U.S. supermarkets for up to $6,000 per year. You earn 5% cash back on travel purchases made within 6 months. The value of the cash back reward is stated in reward dollars and you can exchange it for statement credit.
3. Blue Cash Everyday Card
Blue Cash Everyday Card has a 12 months 0% APR introductory period and the same cash back rewards just like Blue Cash Preferred Card. The difference is that you get to earn $100 cash back instead of $150 after spending a minimum of $1,000 in purchases within 3 months.
4. BankAmericard Cash Rewards Credit Card
BankAmericard Cash Rewards credit card does not charge any APR for the first 12 billing cycles on both purchases and balance transfer. The card allows you to get a $100 cash rewards bonus once you reach a minimum of $500 in expenses. You can get an additional 10% bonus if you choose to redeem the cash back in the Bank of America savings account.
5. Citi Double Cash Card
Citi Double Cash Card is a cash back rewards card that offers 18 months zero percent introductory period. It offers a 1% cash back when you swipe your card for the purchases and you will get another 1% cash back when you make the minimum repayment. It does not states any requirement on rotating bonus categories or how much you must spend in order to get the cash back.