The Best Grocery Credit Cards of 2021 | Up to 6% Rewards

Some credit cards pay enhanced rewards on purchases at supermarkets. These cards can pay up to 6% cash back at the grocery store, although some also cap the amount that earns this increased reward. Here are all the details in our list of the best credit cards for groceries.

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The U.S. Department of Agriculture reports that the average family spends 9.5% of their disposable income on food. Much of this is spent at the grocery store, making a cash back card that pays extra rewards for these purchases all the more valuable. Here are the best grocery store credit cards, along with some tips on how to pick your best option.

Summary of the Best Gas Rewards Credit Cards

Blue Cash Preferred® Card from American Express

Our Rating: 4.5

Annual Fee

$0 introductory annual fee for one year, then $95

Rewards Rate

1%-6%

Welcome Bonus

$300

Est. Credit Required

Good to Excellent 670 – 850

0% on Purchases

12 Months

0% on Transfers

N/A

The Blue Cash Preferred® Card from American Express offers up to 6% cash back and a sizable welcome bonus. It does come with an annual fee after the first year, but offers a 0% introductory APR on purchases.

Capital One SavorOne Cash Rewards Credit Card

Our Rating: 4.3

Annual Fee

$0

Rewards Rate

1-3%

Signup Bonus

$200

Est. Credit Required

Good to Excellent 670 – 850

0% on Purchases

15 Months

0% on Transfers

N/A

The Capital One SavorOne Cash Rewards Credit Card offers a good mix of cash back rewards, particularly on dining and groceries, and a signup bonus. Its 0% intro APR also makes the card ideal for large purchases. There is no annual fee.

Chase Freedom Flex

Our Rating: 4.7

Annual Fee

$0

Rewards Rate

1-5%

Signup Bonus

$200

Est. Credit Required

Good to Excellent 670 – 850

0% on Purchases

N/A

0% on Transfers

N/A

The Chase Freedom Flex offers an excellent signup bonus and ongoing cash back rewards as high as 5%. It does this without charging an annual fee and offers a 0% intro APR.

American Express Gold Card

Our Rating: 4.8

Annual Fee

$250

Rewards Rate

1x-4x

Welcome Bonus

60,000 Points

Est. Credit Required

Good to Excellent 670 – 850

0% on Purchases

N/A

0% on Transfers

N/A

The American Express Gold Card pays up to 4x rewards at restaurants and U.S. supermarkets (subject to a spending cap), offers a hefty welcome bonus, and several credits. It does, however, come with a hefty annual fee.

Capital One Savor Cash Rewards Credit Card

Our Rating: 4.1

Annual Fee

$95

Rewards Rate

1-4%

Signup Bonus

$300

Est. Credit Required

Good to Excellent 670 – 850

0% on Purchases

N/A

0% on Transfers

N/A

The Capital One Savor Cash Rewards Credit Card excels in cash back on dining and groceries. Add to that a rich signup bonus, and it more than makes up for the annual fee.

Chase Freedom Unlimited

Our Rating: 4.9

Annual Fee

$0

Rewards Rate

1.5-5.0%

Signup Bonus

$200

Est. Credit Required

Good to Excellent 670 – 850

0% on Purchases

15 Months

0% on Transfers

N/A

The Chase Freedom Unlimited is one of our tap rated cards due to its signup bonus and excellent cash back rewards. Redeem rewards for cash or Chase Ultimate Rewards points, all with no annual fee.

Amazon Prime Rewards Visa Signature Card

Our Rating: 4.8

Annual Fee

$0

Rewards Rate

1-5%

Welcome Bonus

N/A

Est. Credit Required

Good to Excellent 670 – 850

0% on Purchases

N/A

0% on Transfers

N/A

The Amazon Prime Rewards Visa Signature Card is THE card for Amazon Prime and Whole Foods shopping. It charges no annual fee (although Prime membership required for elevated rewards), and offers 2% cash back restaurants, gas stations and drugstores.

Blue Cash Everyday Card from American Express

Our Rating: 4.4

Annual Fee

$0

Rewards Rate

1-3%

Welcome Bonus

$200

Est. Credit Required

Good to Excellent 670 – 850

0% on Purchases

15 Months

0% on Transfers

N/A

The Blue Cash Everyday Card from American Express offers excellent cash back rewards, particularly at U.S. supermarkets, all without charging an annual fee.

When it comes to saving money at the grocery store, your first thought is probably a coupon. While coupons are a great way to cut your grocery bill, you can also save by using a cash back credit card. 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.

Details on the 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.

Chase Freedom Flex

The Chase Freedom Flex 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). Typically at least one of these quarters includes groceries. While it doesn’t apply all year, the other cash back rewards and signup bonus more than make up for it.

Chase Sapphire Preferred Card

Most don’t think of the Chase Sapphire Preferred Card as a grocery rewards credit card. And it’s not, most of the time. It’s focus is on travel and dining. But from now until April 30, 2021, you get a 25% point bonus when you use points to pay for purchases in several categories including, you guessed it, groceries. Chase calls it ‘Pay Yourself Back,’ and it’s intended to address the fact that aren’t traveling much at the moment.

Blue Cash Preferred® Card from American Express

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. As you can see, you’ll also earn 6% back on select streaming and 3% on gas. There is an annual fee, but the cash back should more than make up for it.

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. If that’s you, check out some of the cards below.

Amazon Prime Rewards Visa Signature Card

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.

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.

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.

Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash 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.

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.

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 Card 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.