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Does Aldi accept credit cards?

Use credit cards and a few other payment methods at this grocer.


Fact checked
Years ago, Aldi didn’t accept credit cards — perhaps to save on processing fees. However, the company changed its policy in March 2016. It now accepts all major credit cards at its stores.

Credit cards accepted at Aldi

At this time, Aldi accepts the four major credit card providers below.

American Express

Our pick for rewards at Aldi

Citi® Double Cash Card

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Compare credit cards for rewards at Aldi

Want a side-by-side look at some of your reward card options? Select your credit score below and click “Show Cards” to start comparing.

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.

Compare up to 4 providers

Credit cards that earn more at grocery stores

Grocery credit cards are particularly good options at Aldi. Also consider a flat-rate cashback card if you want consistent rewards on every purchase. For more grocery card options, check out our full grocery credit card comparisons.

Amex EveryDay® Preferred Credit Card — $95 annual fee

Amex EveryDay® Preferred Credit Card
Try this card if you want travel rewards. You’ll earn an accelerated rewards rate on groceries from US supermarkets, and earn more Membership Rewards points if you use your card 30 or more times each billing period.

Membership Rewards points can be valuable, as you can transfer them to a variety of frequent-flyer programs.

If you’d like a no-annual-fee option, consider the Amex EveryDay® Preferred Credit Card.

Blue Cash Preferred® Card from American Express — $95 annual fee (see rates & fees)

Blue Cash Preferred® Card from American Express
Apply now
With a stellar rewards rate on eligible groceries and strong rewards on eligible gas, this is one of the best cards for everyday purchases.
For a no-annual-fee option, try the Blue Cash Everyday® Card from American Express (see rates & fees).

Citi® Double Cash Card — no annual fee

Citi® Double Cash Card
Apply now
If you don’t want to keep track of multiple reward tiers, the Citi® Double Cash Card could be the perfect alternative. You’ll earn solid, consistent cash back as long as you pay off your purchases.

Payment options at Aldi

  • Cash
  • Credit cards
  • Most debit cards
  • Electronic Benefits Transfer (EBT) and Link cards
  • Mobile payments such as Apple Pay and Google Pay

Bottom line

You can absolutely use your credit card at Aldi stores. That’s good news to many consumers who flock to the grocer for its low prices and high-quality products.

Grocery credit cards are good choices at Aldi, as are flat-rate cashback cards. If you’d like more options, compare the top-rated cashback cards currently on the market.

Frequently asked questions

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