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The Best Credit Cards for Groceries of 2023 | Up to 6% Cash Back

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In the latest inflation data, the cost of groceries is 11.8% higher than they were in December 2021. As a result, saving money at the supermarket has never been more vital. One way is to use a credit card that offers excellent cash back on groceries.

These cards give you a percentage back on what you spend, thus saving you money. Some credit cards, as you’ll see below, pay enhanced rewards for purchases at grocery stores. With that in mind, here’s our list of the best credit cards for groceries.

Best Credit Cards for Groceries

The best credit cards for grocery shopping pay at least 3% in rewards. The above Chase cards meet that standard, although for a limited time. Here are our top supermarket cards from all issuers.

Blue Cash Preferred® Card from American Express–6% Cash Back

The Blue Cash Preferred® Card from American Express is arguably the best known grocery store credit card. It pays 6% cash back on the first $6,000 in grocery purchases each year. You’ll also earn 6% back on select streaming services and 3% on gas. There is an annual fee, but the cash back should more than make up for it.

The card also offers a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Important: Superstores and warehouse clubs are not considered supermarkets. So if you buy your groceries at Costco, Target or Walmart, you won’t earn the 6% cash back.

Rewards:

6% cash back
U.S. supermarkets
6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%
6% cash back
Streaming services
6% cash back on select U.S. streaming subscriptions
3% cash back
Gas
3% cash back at U.S. gas stations
3% cash back
Transit
3% cash back on transit, such as taxis, rideshare, parking, tolls, trains and buses
1% cash back
On all other purchases
1% cash back on all other eligible purchases
  • Welcome Bonus: $250
  • Rewards Rate: 1% to 6%
  • 0% Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 18.49% - 29.49%
  • Annual Fee: $95

USALLIANCE Visa Signature Credit Card 

The USALLIANCE Visa Signature Credit Card offers 6x points on groceries and has no annual fee. That’s a terrific deal, and it even comes with Visa Signature benefits like cell phone protection and price protection. The caveat is that the 6x points on groceries and 2x points on everything else is valid until the end of 2023. The points for groceries are limited to $2,000 in spending at grocery stores per calendar month, then cardholders earn 2 points on all eligible purchases for the remainder of the calendar month. 

Rewards: 

6x points
U.S. supermarkets
6x points on eligible grocery store purchases.
3x points
On all other purchases
3x on all other eligible purchases.

  • Welcome Bonus: None
  • Rewards Rate: 2x to 6x points
  • 0% Intro APR: N/A
  • Annual Fee: $0

Amazon Prime Rewards Visa Signature Card–5% Cash Back

We shop at Whole Foods, so the Amazon Prime Rewards Visa Signature Card is an important part of our cash back strategy. You get 5% cash back at Whole Foods (no spending cap) and at Amazon. There’s also no annual fee, although Amazon Prime membership is required.

Rewards:

5% cash back
Select Categories
Earn 5% rewards at Amazon and Whole Foods Market with an eligible Prime membership
3% cash back
Select Categories
Earn 3% cash back on Amazon and Whole Foods if you don't have an Amazon Prime membership
2% cash back
Drugstores
Earn 2% rewards at drugstores
2% cash back
Dining
Earn 2% rewards at restaurants
2% cash back
Gas
Earn 2% rewards at gas stations
1% cash back
On all other purchases
Earn 1% rewards on all other purchases
  • Signup Bonus: $100
  • Rewards Rate: 1% to 3%
  • 0% Intro APR: N/A
  • Annual Fee: $0

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is the best no-fee (see Rates & Fees) Amex grocery store credit card. You earn 3% cash back on up to $6,000 a year in supermarket purchases. You can also earn a welcome bonus.

Rewards:

3% cash back
U.S. supermarkets
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% cash back
Select Categories
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% cash back
Gas
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
1% cash back
On all other purchases
1% cash back on all other eligible purchases.
  • Welcome Bonus: Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $200 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
  • Rewards Rate: 1% to 3%
  • 0% Intro APR: Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% - 29.49% variable variable APR.
  • Annual Fee: $0

American Express Gold Card

While most thing of the American Express Gold Card as a dining and travel card, it also pays 4x Memebership Rewards points on groceries. And while spending is capped, it’s much higher than the Blue Cash Preferred cap. You can earn 4x points on up to $25,000 a year in supermarket purchases.

The card also offers 60,000 bonus points after you spend $4,000 on purchases with the card in the first 6 months.

Rewards:

4x points
U.S. supermarkets
4x points at U.S. supermarkets on up to $25,000 in purchases per year.
4x points
Dining
4x points at restaurants worldwide, plus takeout and delivery in the U.S.
3x points
Airfare
3x points on flights booked directly with airlines or on amextravel.com
1x points
On all other purchases
1x points on all other eligible purchases
  • Welcome Bonus: 60,000 points
  • Rewards Rate: 1x to 4x
  • 0% Intro APR: N/A
  • Annual Fee: $250

Capital One Savor Rewards Credit Card

The Capital One Savor Rewards Credit Card pays 2% cash back at grocery stores. Add to that 4% back on dining and entertainment and a generous signup bonus, and this no annual fee card is a solid option.

The card also offers a $300 bonus after you spend $3,000 on purchases with the card in the first 3 months.

Rewards:

5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.
4% cash back
Streaming services
Earn unlimited 4% cash back on popular streaming services.
4% cash back
Dining
Earn unlimited 4% cash back on dining.
4% cash back
Entertainment
Earn unlimited 4% cash back on entertainment.
3% cash back
U.S. supermarkets
Earn 3% cash back at grocery stores.
1% cash back
On all other purchases
Earn 1% cash back on all other purchases.
  • Signup Bonus: $300
  • Rewards Rate: 1% to 4%
  • 0% Intro APR: Yes, on both purchases and balance transfers
  • Annual Fee: $95

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards Credit Card pays 3% cash back at grocery stores, dining, entertainment and streaming services. There’s also a welcome bonus and no annual fee.

The card also offers a $200 bonus after you spend $500 on purchases with the card in the first 3 months.

Rewards:

10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases
3% cash back
U.S. supermarkets
3% cash back at grocery stores
3% cash back
Streaming services
3% cash back on popular streaming services
3% cash back
Dining
3% cash back on dining
3% cash back
Entertainment
3% cash back on entertainment
1% cash back
On all other purchases
1% cash back on all other purchases
  • Signup Bonus: $200
  • Rewards Rate: 1% to 3%
  • 0% Intro APR: 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months.
  • Annual Fee: $0

TD Cash Visa Credit Card

The TD Cash Visa Credit Card pays 2% cash back on groceries, and 3% cash back on dining, including takeout and delivery orders. All other purchases earn 1% cash back, and there’s no annual fee.

For a limited time, you can earn 5% on Gas purchases for 6 months or up to a $6,000 spend. There’s also a 0% intro APR on balance transfers for 12 months.

Rewards:

3% cash back
Dining
3% Cash Back on dining – including takeout and delivery.
2% cash back
U.S. supermarkets
2% Cash Back at grocery stores.
1% cash back
On all other purchases
1% Cash Back on other purchases.
  • Signup Bonus: For a limited time, you can earn 5% on Gas purchases for 6 months or up to a $6,000 spend.
  • Rewards Rate: 1% – 3%
  • 0% Intro APR: 12 billing cycles after account opening
  • Annual Fee: $0

Chase Freedom Unlimited®

The Chase Freedom Unlimited® is a great cash back card. While it doesn’t offer an enhanced reward rate for grocery store purchase, it could easily serve as a single card for all purchases, including groceries.

The card also offers an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year), that’s a bonus worth up to $.

Rewards:

5% cash back
Travel
Earn 5% cash back on travel purchased through Chase Ultimate Rewards
3% cash back
Drugstores
Earn 3% on drugstore purchases
3% cash back
Dining
Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
1.5% cash back
On all other purchases
Earn 1.5% cash back on all other purchases
  • Signup Bonus: Up to $0
  • Rewards Rate: 1.5% to 5%
  • 0% Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • Annual Fee: $0

Chase Freedom Flex(SM)–5% Cash Back

The Chase Freedom Flex(SM) is one of the best all-around cash back credit cards. In terms of groceries, it offers up to 5% cash back in rotating categories that change each year (capped at $1,500 in purchases per quarter). These rotating categories may include grocery store purchases.

The card also offers a $200 bonus after you spend $500 on purchases with the card in the first 3 months.

Rewards:

5% cash back
Rotating Categories
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
5% cash back
Travel
5% cash back on travel purchased through Chase Ultimate Rewards
3% cash back
Drugstores
3% cash back on drugstore purchases
3% cash back
Dining
3% cash back on dining at restaurants, including takeout and eligible delivery services
1% cash back
On all other purchases
1% cash back on all other purchases
  • Signup Bonus: $200
  • Rewards Rate: 1% to 5%
  • 0% Intro APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • Annual Fee: $0

Store Brand Credit Cards

If you shop for groceries at specific stores, the store-branded credit cards often offer excellent rewards. I already mentioned the Amazon Prime Rewards Visa Signature above. It earns 5% cash back on purchases at Whole Foods.

Here are some other store-specific cards to consider.

Target RedCard: The Target RedCard pays 5% cashback on Target purchases in the store and online. The 5% even applies to purchases at Starbucks in Target stores. The card comes as either a credit card or a debit card. The debit card version made our list of the best prepaid cards.

Walmart Credit Card: Issued by Capital One, the Walmart card pays 5% cashback at online Walmart purchases, including grocery pickup and delivery. It pays 2% cashback on purchases at Walmart stores.

Costco Anywhere Visa Card by Citi: the Costco Anywhere Visa® Card by Citi pays 2% cash back on all purchases at Costco and Costco Online. Frankly, as a grocery store credit card, it’s mediocre. The problem is that many of the other cards listed above don’t pay the enhanced rewards on groceries purchased at Costco or other wholesale clubs. As such, it can be your best bet on Costco. On the brighter side, it pays 4% cash back on gas and 3% back on restaurants and eligible travel purchases.

FAQ

Is a grocery store credit card worth it?

If you spend a lot of money on groceries, as many families do, a card that pays extra rewards at the supermarket can be worth it. Just make sure to consider the overall value of the card, including purchases in other categories.

What is the best credit card for groceries?

The answer depends on where you buy groceries. The highest cash back for all grocery stores is the Blue Cash Preferred® Card from American Express. If you shop at Whole Foods, however, the Amazon Prime card is the best option. And for superstores and warehouses, branded cards are the best option.