Does Aldi accept credit cards?

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	✅
Visa	✅
Mastercard	✅
Discover	✅

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.

Read less

Read more

Apply now
Read review

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.

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

Read reviewTry 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.

• See benefits

  Welcome offer	15,000 Membership Rewards points after you make $1,000 in purchases within the first three months of card membership.
  Rewards	3x points at US supermarkets on up to $6,000 per year in purchases, then 1x. 2x points at US gas stations. 1x points on other purchases.
  Intro APR	0% intro APR for 12 months on purchases. After that, a 12.99% to 22.99% variable APR applies.
  Points boost	Earn 50% extra points when you use your card at least 30 times for purchases in a billing period.

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

Apply now

Read reviewWith 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).

• See benefits

  Welcome offer	$250 back after you make $1,000 in purchases within the first three months of account opening.
  Rewards	6% cash back at US supermarkets on up to $6,000 per year in purchases, then 1%. 6% on select US streaming services. 3% on transit purchases. 3% cash back at US gas stations. 1% cash back on other purchases.
  Intro APR	0% intro APR for 12 months on purchases. A variable APR of 13.99% to 23.99% applies after that.

Citi® Double Cash Card — no annual fee

Apply now

Read reviewIf 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.

• See benefits

  Rewards	1% cash back on purchases and another 1% as you pay for them.
  Intro APR	0% intro APR for 18 months on balance transfers completed within the first 4 months of card membership. A variable APR of 13.99% to 23.99% applies after.

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

Where else is my credit card accepted?

Check out our in-depth guides on credit card acceptance:

• Where are my credit cards accepted?
• Which credit cards does Costco accept?

• What credit cards does Sam’s Club accept?
• Does Walmart accept American Express?

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

• How many states does Aldi operate in?

  You’ll find Aldi in 35 states, according to the company.

• What is a flat-rate cashback card?

  You’ll earn the same rewards rate on every purchase. For example, you might earn 1.5% cash back on all purchases, regardless of category. To learn more, check out our guide to cashback card types.

• Do I need a membership to shop at Aldi?

  No. You can shop at Aldi without a membership.

Images: Shutterstock

• See rates and fees for Blue Cash Everyday® Card from American Express
• See rates and fees for Blue Cash Preferred® Card from American Express