7 Best Credit Cards for Groceries – Rewards & Offers


Grocery shopping is a great equalizer. Rich and poor, adventurous cooks and microwave-only eaters — pretty much everyone knows what it’s like to browse supermarket shelves. By now, most know how to play the grocery delivery game too.

So it’s no surprise that supermarket credit card offers are so popular up and down the income scale.

From entry-level spending aids like the Blue Cash Everyday Card from American Express to prime products like the Amazon Prime Rewards Visa Signature Card, there’s almost certainly a rewards card tailored to your grocery shopping habits and credit score.


Best Credit Cards for Groceries

These are among the best grocery credit cards to use for grocery store and supermarket purchases. Each one does at least one thing really well, whether it’s delivering unlimited cash back at impressive rates or offering unique value-adds users can’t find anywhere else.

Just be aware that unless otherwise noted, these credit cards exclude grocery purchases made at superstores like Walmart, Target, and Meijer and warehouse clubs (wholesale clubs) like Sam’s Club and Costco from their supermarket rewards categories.

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The Blue Cash Preferred® card from American Express rewards grocery store purchases better than any major credit card on the market: 6% cash back on the first $6,000 in annual purchases.

That’s $360 in grocery store cash back, or $265 after accounting for the $95 annual fee, though you don’t pay the annual fee the first year (see rates and fees).

Cash back accrues as Reward Dollars you can redeem for statement credits starting at $25 in Reward Dollars.

It’s a solid haul by any stretch — one most multiperson households can easily achieve.

Pros

  • Well above-average return on U.S. supermarket spending
  • Multiple additional 6% and 3% bonus cash-back categories
  • Above-average purchase APR promotion

Cons

  • Has an annual fee after the first year
  • Has a foreign transaction fee

For rates and fees of the Blue Cash Preferred® Card From American Express, see the rates and fees page.

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The Capital One SavorOne Cash Rewards credit card earns unlimited 3% cash back on supermarket purchases.

With no cap on rewards in this category, SavorOne is ideal if you have a big annual grocery budget — above $6,000. And with multiple bonus cash-back categories, it’s a strong everyday spending credit card too.

Pros

  • Above-average early spend bonus
  • Multiple bonus cash-back categories (up to 10% back on select purchases)
  • No annual fee

Cons

  • Low baseline cash-back rate
  • High regular APR

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Like its parent card, the Capital One SavorOne Student Cash Rewards Credit Card earns unlimited 3% cash back on eligible grocery store purchases, excluding purchases at superstores like Walmart and Target.

That makes it the perfect card for two- or four-year degree students living on their own or with roommates and managing their own grocery bills as part of their newfound independence. It’s also great first credit card in general thanks to Capital One’s commitment to consider cardholders for higher credit lines after as few as six months of responsible use.

Pros

  • Up to 10% back on eligible purchases
  • Multiple 3% cash-back categories
  • No annual fee

Cons

  • No 0% intro APR offer
  • Low baseline cash-back rate
  • High regular APR

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The Amazon Prime Rewards Visa Signature Card is the obvious choice for Amazon Prime members who do most or all their grocery shopping through Amazon Fresh, Amazon Prime Pantry, or Whole Foods Market. All Amazon-ecosystem purchases, including both perishable and nonperishable groceries, earn 5% cash back.

It’s easy to redeem your Amazon cash-back rewards in any amount for purchase credits at checkout, making this a truly seamless grocery rewards credit card for Amazon fans.

Pros

  • Multiple 2% cash-back categories
  • No foreign transaction fee
  • Up to 10% bonus rewards on eligible Amazon purchases

Cons

  • Requires Prime membership ($139 per year)
  • Low baseline cash-back rate
  • No 0% intro APR offer

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The American Express® Gold card earns 4 Membership Rewards points per $1 spent on the first $25,000 in U.S. supermarket purchases each year. That’s up to 100,000 bonus points on annual supermarket spending, worth up to $0.01 per point at redemption — a 4% return on spending.

Above the annual spending cap, you earn 1 point per $1 spent on U.S. supermarket purchases. But unless you have a huge grocery budget, you don’t need to worry about running over.

Pros

  • 4x points on eligible U.S. restaurant purchases
  • 3x points on eligible airfare purchases
  • Above-average welcome offer with longer-than-average qualifying period

Cons

  • High annual fee
  • Low baseline rewards rate

For specific rates and fees of the American Express® Gold card, see its rates and fees page.

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Delivering 3% cash back on the first $6,000 in purchases made at U.S. supermarkets and U.S. gas stations each year and 1% cash back on U.S. supermarket and U.S. gas station purchases thereafter, it’s ideal for moderate spenders who don’t need outsize grocery-shopping firepower. That’s still $180 in bonus cash back on top of the baseline cash rate.

Pros

  • Multiple 3% cash-back categories
  • Above-average welcome offer
  • No annual fee
  • 0% intro APR on purchases

Cons

  • Low baseline cash-back rate
  • No 0% intro balance transfer APR

For rates and fees of the Blue Cash Everyday® Card from American Express, see the rates and fees page.

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Citi Double Cash® Card

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Earn up to 2% cash back on all eligible purchases (including groceries) when you pay your monthly balance in full. Plus, enjoy a long intro balance transfer APR.

Rewards Rate

Unlimited 2% when you pay in full

Credit Needed

Good – Excellent

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The Citi Double Cash® card earns 2% cash back on all eligible purchases, including purchases at the supermarket. If you’re not interested in carrying a separate card solely for supermarket transactions, this is as good a choice as any — the best flat-rate cash-back card for grocery shopping, in fact.

Just be sure to pay your entire balance in full each month, as you only earn the full 2% cash-back allowance when you zero-out your statement.

Pros

  • No limits on 2% cash back when you pay in full
  • No annual fee
  • Long 0% intro APR balance transfer promotion

Cons

  • No intro purchase APR
  • Has a 3% foreign transaction fee
  • No sign-up bonus

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Methodology: How We Choose the Best Grocery Credit Cards

We use several important factors to assess supermarket credit cards and present the very best to our readers.

These include factors related to the credit cards’ rewards and return on spending, value-added benefits, cost, versatility, and overall usability.

Supermarket Rewards

When it comes to this all-important category, we’re looking at the type of rewards earned by supermarket spending, the rate at which that spending earns rewards, and the overall value of those rewards. The best cards earn supermarket rewards at high rates via a versatile loyalty currency — preferably cash back or high-value travel rewards.

Caps & Restrictions on Supermarket Rewards

Unrestricted is better, but we recognize that credit card issuers have to cut their losses. Still, we try to avoid credit cards with tight caps on grocery store reward earnings or other restrictions that limit user value.

Other Rewards

Most grocery store credit cards earn bonus points or cash back on other purchases as well. We prefer cards with multiple nongrocery bonus categories — the higher the earning rate, the better.

Welcome Offer (Sign-Up Bonus)

Most of the credit cards on this list have generous sign-up bonuses (also known as welcome offers or early spend bonuses) for new cardholders. These offers come and go, so their presence isn’t required, but the more generous offers tend to get higher billing.

0% APR Offer

Some of the cards on this list also have nice 0% APR introductory offers for purchases or balance transfers. If you’re planning a big purchase — perhaps an unusually large trip to the grocery store — or need to pay down high-interest credit card debt, these offers can save you a ton of interest.

Annual Fee

No credit card user likes paying an annual fee. That said, sometimes, you have to spend money to make money. And some of the most generous supermarket credit cards charge annual fees.

We prefer credit cards without annual fees, though, so we’ve done our best to weed out the substandard ones.

Grocery Store Credit Card FAQs

Still have questions about the best credit cards to use at the supermarket? Find answers to some of the most common queries about this credit card category.

Do Rotating-Category Credit Cards Earn Rewards at the Supermarket?

It’s worth calling out the sometimes-supermarket credit cards that didn’t make this list. It’s not that they’re never worth using at the grocery store. Rather, they only perform from time to time.

Take the Chase Freedom Flex Credit Card, for instance. Freedom reliably earns 5% cash back on grocery store purchases for one quarter per year, up to $1,500 in quarterly category spending. The catch: Grocery store earnings drop to just 1% the other nine months of the year, supplanted by another favored category.

Cards like Chase Freedom Flex are fine for cardholders who can adjust their spending as the opportunity arises. Those who sideline their primary grocery card during Chase Freedom’s bonanza quarter can earn impressive average rates of return on grocery store spending throughout the year. But it’s also understandable if you don’t want to juggle two supermarket credit cards.

Do the Best Grocery Credit Cards Charge an Annual Fee?

Not all of them. In fact, the majority of the cards on this list don’t charge annual fees. It’s possible to earn an impressive rate of return on supermarket spending without paying annually for the privilege.

Of course, annual-fee cards tend to be more generous overall. If you like luxe travel and shopping perks, you’ll probably find yourself gravitating toward these premium products.

Do Supermarket Credit Cards Work at Walmart & Target?

If the card has a Visa, Mastercard, or American Express logo, it should physically work at superstores like Walmart and Target. 

The catch is that it probably won’t earn bonus points or cash-back dollars. That’s because most supermarket credit cards specifically exclude superstore grocery purchases from bonus eligibility. You might still earn base rewards — typically no more than 1 point per $1 spent — but nothing more.

Can You Link Your Supermarket Credit Card & Store Loyalty Account?

Usually not. You still have to scan your physical store loyalty card or give your phone number at the register to take advantage of member-only pricing or rewards.

The good news is your store loyalty membership status won’t impact your supermarket credit card earnings. You can double dip on store discounts and credit card rewards, also known as stacking.

Final Word

There’s something for everyone on this list. If you’re feeling overwhelmed, take a step back and consider what you’re really looking for in your supermarket credit card.

Ask yourself:

  • Whether you’d prefer to avoid paying an annual fee
  • Which other spending categories you’d like to earn rewards in
  • Your annual grocery budget — some cards cap rewards at specific annual spending thresholds
  • Whether you want a sign-up bonus or 0% APR introductory promotion
  • How loyal you are to specific supermarket chains, like Whole Foods

Answer each of these questions and you should be left with just a few options. Consider each in turn and choose the one with the best mix of features and rewards for your needs.



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