2024 Guide: Aldi Credit Card Acceptance – Visa, Amex, Discover & Apple Pay

Discover if Aldi accepts credit cards in 2024, with our comprehensive guide on Aldi's payment options, including Visa, American Express, and Apple Pay. Can you use a credit card at Aldi now? Plus, learn about any potential credit card fees for your next efficient grocery shopping experience.

Does Aldi Take Credit Cards In 2022? (Types Of Cards + Faqs)

Founded 10 July 1946




(split in two parts in 1960, renamed to Aldi Nord and Aldi Süd in 1962)




Theo Albrecht

, Germany (Aldi Nord)


, Germany (Aldi Süd)

Number of locations






Convenience shop
Revenue Increase


121.1 billion (2021)



Trader Joe’s

(Aldi Nord)



Using credit cards in everyday shopping situations wasn’t always the norm, but retailers got with the program really quickly when they realized the sales potential.

Credit cards can now be used almost anywhere and cash is less common than ever.

It might leave you wondering, “Does Aldi accept credit card?” Perhaps you’ve heard that they don’t, or that you can only pay in cash. Let’s take a closer look at the question.

Does Aldi Take Credit Cards In 2022? (Types Of Cards + FAQs)

Aldi to Accept Credit Cards by 2022

Aldi accepts credit cards from all major banks, such as Visa, MasterCard and Discover. Aldi accepted credit cards initially, but they started accepting them in 2016. They have expanded the types of payments that are accepted to tap-and go and contactless since then.

  • Let’s dive deeper into the subject. We will break down which cards are available and what fees Aldi may charge for credit card use. Finally, let us see if we can receive cash back. For more details, continue reading.
  • Aldi accepts what kind of credit cards?

  • Aldi’s website explains that “we accept many forms of payment, including cash and most debit cards. Visa, MasterCard and Discover are all accepted. Electronic Benefits Transfers (EBT) is also available. Link cards and SNAP can be used for contactless payments such as Apple Pay or Google Pay.
  • As you can see, the four major types of credit cards out there, Visa, MasterCard, Discover and American Express are all accepted at Aldi.

    If you keep reading, you will see that many of the perks and extras associated with using those cards work in conjunction with shopping at Aldi, as well.

    Does Aldi Take Credit Cards In 2022? (Types Of Cards + FAQs)

    Aldi will charge you a small fee to activate your credit card.

    As far as my research tells me, no, Aldi does not charge a fee to use credit cards at their stores.

    Yes, retailers do pass some fees on to the customers but this would not be in line with Aldi’s business model which is pass on the savings. ).

    You should contact your credit card company if you notice a charge on your credit cards bill.

    Aldi has Tap-AndGo Credit Cards.

    Aldi has POS terminals that are equipped with NFC technology. This means they can receive both Apple Pay (and Google Pay) via smartphones and credit cards.

    This is a very simple procedure. After the cashier has given you your total, take your tap-and go credit card out. Or better, keep it close at hand. The NFC symbol looks almost like a collection of parentheticals facing in the same direction. )))).

  • NFC-equipped cards will be detected by the reader. You’re ready to go if it’s approved!
  • Does Aldi Take Credit Cards In 2022? (Types Of Cards + FAQs)

    Do you have the option to use credit cards through Apple Pay or GooglePay at Aldi

    Apple Pay and Google Pay allow you to leave your wallet behind at home, and it doesn’t require that you pay twice as much.

    You can pay in-store with your card by using your Apple/Google Wallet credit card information.

    Similar to tap-and go credit cards, hold your phone near NFC symbol until the transaction is approved.

    Aldi Cashback – Can you get cash with your Aldi Credit Card?

    Many people wonder whether cashback is offered by individual shops when they use the Discover Cash Back credit card.

    Aldi actually participates in Discover card’s cash-back program. They have the same rules as debit card cashback. No more than $100 per transaction is allowed. Customers can get only $10-20, $40, $100, or 100 (no multiples).

    Does Aldi Take Credit Cards In 2022? (Types Of Cards + FAQs)

    Aldi Does The AMEX Preferred Work With The AMEXBlue Cash?

    Aldi purchase are eligible for the American Express Blue Cash Preferred Program. This program that reimburses customers with six percent of the totals they made at supermarkets does not recognize Aldi (as it should).

    Redditors on the r/CreditCards forum confirmed that 6 percent of their Aldi Aldi spend totals were returned by their BCPs.

    Aldi instacart allows you to use credit cards. accepts credit cards. It is easy to simply enter your credit cards information on the website or app and select that card for checkout.

    Does Aldi Take Credit Cards In 2022? (Types Of Cards + FAQs)

    When Did Aldi Start Accepting Credit Cards?

  • Aldi has only accepted credit cards since March 2016, although it might seem hard to believe!
  • Aldi US was the only store that accepted checks and cash before then.

    Aldi did not make a formal statement about why it only accepted certain types of payments until 2016, but bloggers believe that it may have something to do the widespread acceptance of cash in Germany where Aldi’s headquarters is.

  • Jason Hart, Aldi US CEO, stated that he cares about making customers shopping easier and more enjoyable. He added, “We want to be able make our customers’ shopping experience simpler and better…and giving them the option of using their credit card will help us achieve this.”
  • Another reason could be that they realized that credit cards were not generating enough revenue and it was affecting their key target market: the middle class and wealthy.

    If you are looking to learn more, you can see our related posts on whether or not Aldi takes Apple Pay, if Aldi does cash back, if Aldi takes EBT, and if Aldi takes checks.

  • Conclusion
  • Aldi accepts the four major credit cards on the market, including Visa, MasterCard, Discover and American Express, and even better, many of the card perks associated with shopping at a grocery store can be applied to Aldi purchases.

  • If you’re looking to maximize the returns on shopping you have to do anyway, it makes sense to use your credit cards when checking out at Aldi!
  • .Does Aldi Take Credit Cards In 2022? (Types Of Cards + Faqs)

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