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You shouldn't be buying groceries with credit cards anyway.

Why, pray tell?

There is a grocery store about a mile from my house that doesn't take credit cards. I drive past it on my way to the other grocery store that does take credit cards. I don't write checks, and I don't feel like counting my pennies to see if I am carrying enough cash that day to buy everything on my list.

I'm not sure why a debit card won't do the job. The idea is that CREDIT should be for things that are not regular expenses. Most utulities have a surcharge for using credit cards. Often, the best price to be had on gasoline is a cash price. If you want to pay a bit more for using a credit card, especially if there are no true low margin supermarkets around, by all means, use the credit card. (BTW, Walmart is NOT the lowest price supermarket in any competitive area I've seen.)

I would also make an exception for those people who are on long trips and/or want to track their expenses better.