Does Aldi Take Credit Cards? (2022 Guide)

Does Aldi take credit cards? Aldi is a German-based international grocery store chain. It has over 10,000 stores in more than 20 countries. In the United States, Aldi operates nearly 1,700 stores in 36 states.

Aldi's business model is built around offering a limited selection of high-quality, low-priced items. The company does this by working directly with manufacturers, eliminating middlemen, and keeping operating costs low. This allows Aldi to sell its products at significantly lower prices than traditional grocery stores.

Aldi also offers a unique shopping experience. Its stores are smaller than most supermarkets and do not have many of the frills that other stores offer, such as expansive produce sections or delis. This allows Aldi to keep its prices low and pass the savings on to customers.

does aldi take credit cards

Does Aldi take Credit Cards?

For many shoppers, convenience is key. And when it comes to payment methods, credit cards are about as convenient as it gets. Luckily for shoppers, Aldi accepts all four major credit cards: Visa, MasterCard, Discover, and American Express.

While Aldi did not always accept credit cards, they began to do so in 2016 and have continued to expand the forms of payment accepted since, to include tap-and-go and contactless payment. This is great news for shoppers who prefer the convenience of using credit cards, as well as those who don't like to carry around large amounts of cash.

So next time you're planning a trip to Aldi, be sure to bring along your credit card and take advantage of their convenient payment options.

What type of Credit Cards does Aldi take?

The answer is that Aldi accepts most major credit cards, including Visa, Mastercard, Discover, and American Express. You can also use Electronic Benefits Transfer (EBT), Link cards, SNAP, and contactless pay methods like Apple Pay and Google Pay. This means that you can use just about any type of credit card when shopping at Aldi.

One perk of using a credit card at Aldi is that you can often earn rewards points or cash back on your purchases. If you have a rewards credit card, this can be a great way to save money on your grocery bill.

You can also take advantage of special financing offers that are sometimes available when using a credit card at Aldi. For example, you may be able to find an introductory APR offer or a promotional financing offer with no interest for a certain period of time. Be sure to read the fine print on these

Is it true that the American Express Blue Cash Preferred works at Aldi?

The American Express Blue Cash Preferred program applies to Aldi purchases. This program, which reimburses users with six percent of their totals back based on their supermarket purchases, recognizes Aldi as a supermarket. Multiple Redditors confirmed on the r/CreditCards subreddit that their BCP cards gave them six percent of their Aldi purchase totals back.

Therefore, shoppers who use the Blue Cash Preferred card at Aldi can receive six percent of their purchase totals back in the form of a rebate. This makes the Blue Cash Preferred card an attractive option for those who frequently shop at Aldi.

Can you use credit cards to shop at Aldi Instacart?

One of the unique features of Aldi is that they do not accept credit cards, instead of requiring customers to use cash or debit cards. However, customers can now shop at Aldi via Instacart, and they can absolutely use credit cards to pay for their orders. Simply load your credit card information into the app or desktop website and then choose that card when checking out.

This is a great option for those who prefer the convenience of shopping online and paying with a credit card. Plus, it's still cheaper than shopping at most other grocery stores.

Is there a charge to use a Credit Card at Aldi?

The short answer to this question is no, Aldi does not charge a fee for using credit cards.

Part of the reason Aldi is able to keep prices low is by not passing on credit card fees to customers. Most retailers have to pay a fee every time a customer uses a credit card. These fees can add up, so some retailers choose to pass the cost onto the customer in the form of a “credit card surcharge”.

Aldi has decided not to do this, which helps to keep prices low for all customers. If you see a fee on your credit card bill after shopping at Aldi, you should call your credit card company to inquire about it. It is likely that the fee is not from Aldi, but from another retailer where you used your card.

Is it possible to use your credit cards through Apple or Google Pay at Aldi?

Aldi is one of the many retailers that now accept Apple Pay and Google Pay. If you have your credit card information loaded onto your Apple or Google Wallet, you can use your mobile device to pay for your purchases at the register. Just like with tap-and-go credit cards, you simply hold your phone up to the NFC symbol and wait for the transaction to go through.

This is a convenient way to pay, especially if you forget your wallet at home. Aldi is just one of many retailers that are now accepting these types of payments, so be sure to take advantage of this feature the next time you shop.

Is it possible to get cash back with your credit card at Aldi?

The company also offers a credit card, which allows users to earn cash back on their purchases. Under the terms of the program, cardholders can earn up to $100 cash back per transaction, and they can choose to receive their rewards in the form of $10, $20, $40, or $100 denominations.

Some shoppers may be wondering if they can get cash back on their credit card purchases at Aldi stores. The answer is yes - Aldi does participate in the Discover card's cash back program.

However, there are some limitations to keep in mind. First, shoppers can only receive up to $100 cash back per transaction. Second, the available denominations for cash back rewards are limited to $10, $20, $40, or $100 - so shoppers cannot receive multiples of five as a reward.

When did Aldi start taking credit cards?

Aldi US shops started accepting credit cards in March of this year. They previously only accepted cash and debit cards, but never cheques.

While Aldi has never made a formal statement as to why the chain only accepted certain forms of payment until 2016, some bloggers have guessed that it has something to do with the prevalence of cash transactions in Germany, which is where Aldi is based internationally.

Aldi US’s CEO Jason Hart commented at the time of the payment upgrade, stating, “We care about being able to make life easier for our shoppers. We know that accepting credit cards is something our shoppers have been asking for, and we’re happy to provide this additional convenience.” So there you have it – Aldi began accepting credit cards in order to provide greater convenience for their customers. And who can argue with that?


There are many benefits to using credit cards when shopping at Aldi. Perhaps most importantly, using a credit card can help you maximize the returns on your grocery shopping. With many of the major credit cards on the market, you can take advantage of rewards programs and other perks that can be applied to your Aldi purchases.

In addition, using a credit card can also help you build up your credit score, which can save you money in the long run. Therefore, if you’re looking to get the most out of your grocery shopping, it makes sense to use a credit card when checking out at Aldi.

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author: patrick algrim
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Patrick Algrim is a Certified Professional Resume Writer (CPRW), NCDA Certified Career Counselor (CCC), and general career expert. Patrick has completed the NACE Coaching Certification Program (CCP). And has been published as a career expert on Forbes, Glassdoor, American Express, Reader's Digest, LiveCareer, Zety, Yahoo,, SparkHire,,, FairyGodBoss,, St. Edwards University, NC State University,, Thrive Global,, Work It Daily, Workology, Career Guide, MyPerfectResume, College Career Life, The HR Digest, WorkWise, Career Cast, Elite Staffing, Women in HR, All About Careers, Upstart HR, The Street, Monster, The Ladders, Introvert Whisperer, and many more. Find him on LinkedIn.

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