Buy Now, Pay Later Food: Grocery Stores, Delivery Services, etc Listed

Food is essential to life, but sometimes when you’re waiting for a paycheck to process in the bank, you may worry that you don’t have enough money to cover tonight’s dinner.

However, there are many grocery stores and online retailers that offer a “buy now, pay later” food option, so you don’t have to worry about missing a meal.

These “buy now, pay later” food plans usually have a short online application and require fair or better credit. Many are in the form of store credit cards, meaning your purchases will accrue interest.

Some credit card applications will result in a “hard pull” of your credit score, which can damage your score, particularly if you’ve had several hard pulls in close succession. Consider your credit score and history before applying to avoid damaging your score.

A majority of “buy now, pay later” options also offer additional benefits such as cash back. While these benefits are attractive, making sure you can make your payments on time is vital to participate in a “buy now, pay later” plan successfully.

Below, we list the stores that offer buy now, pay later groceries.

Grocery Stores

Costco

• Buy now, pay later option: Costco Anywhere Visa Card^[1]
• Credit required: No set requirement; multiple factors considered regarding approval^[2]
• Additional info: 2% cash back on all purchases from Costco or Costco.com, 4% cash back on eligible gas purchases up to $7,000, 3% cash back on restaurants and eligible travel purchases, and 1% cash back on all other purchases; note that you need a Costco membership to get avoid annual fees with the Costco credit card.^[1]
• Delivery: Yes, in most metropolitan areas with a $35 order minimum^[3]
• Apply

Kroger

• Buy now, pay later option: Kroger REWARDS World Elite Mastercard^[4]
• Credit required: Yes — fair credit or better^[5]
• Additional info: 5% cash back on mobile wallet purchases up to $3000, 2% cash back on purchases in Kroger stores, 1% cash back outside of its stores; additional $0.55 per gallon off at Kroger fuel centers when using fuel points for the 1st year^[4]
• Delivery: Available in most areas through Instacart^[6]
• Apply

Sam’s Club

• Buy now, pay later option: Sam’s Club Mastercard^[7]
• Credit required: No set requirement; multiple factors considered regarding approval^[8]
• Additional info: You earn 5% back on gas up to $6,000, 3% on dining, and 1% on other purchases. You can also use your credit card as your membership card when shopping.^[7]
• Delivery: Yes, in partnership with Instacart^[9]
• Apply

Target

• Buy now, pay later option: Target RedCard^[10]
• Credit required: No set requirement; multiple factors are considered for approval.^[11]
• Additional info: Save 5% shopping at Target; cash withdrawal option up to $40 at checkout; free 2-day shipping on hundreds of items purchased on Target.com^[10]
• Delivery: Yes, through Shipt^[12]
• Apply

Walmart

• Buy now, pay later option: Walmart Rewards Card and Capital One Walmart Rewards Mastercard^[13]
• Credit required: No set requirement^[14]
• Additional info: Earn 1% to 5% cash back on purchases, including pickup and delivery from Walmart.^[13]
• Delivery: Yes, though availability and restrictions vary by store^[15]
• Apply

Whole Foods

• Buy now, pay later option: Amazon Prime Rewards Visa Signature Card^[16]
• Credit required: Yes — fair^[17]
• Additional info: You’ll earn 5% cash back at Amazon and 10% cash back at Whole Foods with eligible Prime membership, plus 1% to 2% cash back elsewhere.^[16]
• Delivery: Yes, for Amazon Prime members in some areas^[18]
• Apply

Online Food Retailers

Amazon Fresh

• Buy now, pay later option: Amazon Prime Rewards Visa Signature Card or Amazon.com Store Card^[16][19]
• Credit required: Yes — fair credit or better for the Visa Signature card and poor or better for the Amazon.com Store Card^[17]
• Additional info: Offers 1% to 5% back on purchases and 0% APR promotions for cardholders^[16][19]
• Delivery: Yes, in some areas^[20]
• Apply

Gourmet Food and Gift Baskets

Figi’s

• Buy now, pay later option: Figi’s Gallery Credit Plan^[21]
• Credit required: There is a credit check, but no specific requirement for credit score.^[22][23]
• Additional info: Three deferred monthly payments with no interest^[21]
• Delivery: Yes, within five to seven business days^[24]
• Apply

Fingerhut

• Buy now, pay later option: Fingerhut Fetti Credit Account and FreshStart Installment Loan^[25]
• Credit required: Requires a credit check, but those who don’t qualify for an Advantage account will be considered for a FreshStart account.^[25]
• Additional info: No cash back available and your APR will be non-variable^[25]
• Delivery: Shipping available; costs vary depending on what you spend^[26]
• Apply

Suggested article: Websites like Fingerhut

Home Shopping Network (HSN)

• Buy now, pay later option: FlexPay^[27]
• Credit required: No specific requirement; multiple factors considered for approval^[28]
• Additional info: Pay over time with a monthly installment plan and 0% interest^[29]
• Delivery: Standard, express, super express, and motor freight options available^[30]
• Apply

QVC

• Buy now, pay later options: QCard^[31]
• Credit required: No specific requirement; multiple factors considered for approval^[28]
• Additional info: Perks include QVC credit, six-installment easy pay for all purchases, and additional deals at HSN and Zulily^[31]
• Delivery: Available to all 50 states, plus Guam, the U.S. Virgin Islands, Puerto Rico, and other territories^[32]
• Apply

The Swiss Colony

• Buy now, pay later option: Swiss Colony Credit^[33]
• Credit required: Works with customers who have no credit history^[34]
• Additional info: No annual or third-party fees^[34]
• Delivery: Available at a cost; charges vary depending on your order total and location^[35]
• Apply

The Tender Filet

• Buy now, pay later option: Tender Filet Credit by The Swiss Colony^[36]
• Credit required: Works with customers who have no credit history^[37]
• Additional info: No annual or third-party fees^[37]
• Delivery: Shipping available (including insulated cooler shipping); costs vary depending on your order total and shipping address(es)^[38]
• Apply

The Wisconsin Cheeseman

• Buy now, pay later option: Wisconsin Cheeseman Credit^[39]
• Credit required: Works with customers who have no credit history^[40]
• Additional info: No annual fee^[41]
• Delivery: Shipping available; costs vary depending on your order total and location^[42]
• Apply

Looking for more ways to get affordable food? See our list of stores that take EBT.