Cash back credit cards offer a great way to earn points that you can use to redeem for free groceries once you reach a certain number of points. You’re spending money on groceries anyway, regardless of how you pay for them. These types of cards offer a great way to make your money work for you.  If you’re disciplined enough to pay off your entire balance every month without incurring interest, you should use your credit card for every purchase you make, including groceries. With a good cashback credit card, you’ll essentially be paying less for your groceries at the end of the day.