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 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:
- 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

Rewards:
- 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

Rewards:
- Signup Bonus: $100
- Rewards Rate: 1% to 3%
- 0% Intro APR: N/A
- Annual Fee: $0
Blue Cash Everyday® Card from American Express

Rewards:
- 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

The card also offers 60,000 bonus points after you spend $4,000 on purchases with the card in the first 6 months.
Rewards:
- 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 card also offers a $300 bonus after you spend $3,000 on purchases with the card in the first 3 months.
Rewards:
- 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 card also offers a $200 bonus after you spend $500 on purchases with the card in the first 3 months.
Rewards:
- 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

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