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

There's also a welcome bonus: Earn 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: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- 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, 18.99% - 29.99%
- Annual Fee: $0 intro annual fee for the first year, then $95.
Citi Custom Cash℠ Card

- Signup Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Rewards Rate: 1% to 5%
- 0% Intro APR: Get 0% on purchases and balance transfers for the first 15 months After that, your rate will be 18.99% - 28.99% variable, depending on creditworthiness.
- Annual Fee: $0
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 Visa–5% Cash Back

Rewards:
- Signup Bonus: For 3 months from account opening: Earn a total of 5% back on a maximum of $2,500 in total purchases made with the Prime Visa card that normally earn 2% and 1% back. That’s an extra 4% back in addition to the 1% back you earn on the purchases in the 1% back category and an extra 3% back in addition to the 2% back you earn on purchases in the 2% back category. After reaching the earlier of 3 months from account opening or $2,500 spend: You’ll earn 2% back for each $1 spent in the following rewards categories: gas stations; local transit and commuting; restaurants. You’ll earn 1% back for each $1 spent on all other purchases.
- Rewards Rate: 1% to 3%
- 0% Intro APR: N/A
- Annual Fee: $0
Blue Cash Everyday® Card from American Express

Rewards:
- Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- 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, 18.99% - 29.99% variable APR.
- Annual Fee: $0
American Express® Gold Card

Rewards:
- Welcome Bonus: Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Rewards Rate: 1x to 4x
- 0% Intro APR: N/A
- Annual Fee: $250
Capital One Savor Rewards Credit Card

Rewards:
- Signup Bonus: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
- 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

Rewards:
- Signup Bonus: $200 Cash Back after you spend $1,000 on purchases within 3 months from account opening
- Rewards Rate: 1% to 3%
- 0% Intro APR: 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% 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: Earn $150 Cash Back when you spend $500 within the first 90 days after account opening. Limited Time Offer: 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 $300.
Rewards:
- Signup Bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
- 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 19.74% - 28.49%.
- Annual Fee: $0
Chase Freedom Flex(SM)–5% Cash Back

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 19.99%–28.74%.
- 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.