Credit Cards That Pay The Highest Cash Back on Groceries

In the latest inflation data, the cost of groceries increased by 5.8% in 2023. As a result, saving money at the supermarket continues to be a priority. One way to save money 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 are our two favorite grocery rewards credit cards, followed by our complete list of the best cards for groceries.

Our Favorite Grocery Rewards Cash Back Cards

While we track over 40 credit cards that pay 2% or more cash back at the supermarket, we have two favorites.

The first is the Blue Cash Preferred® Card from American Express. It pays 6% cash back at U.S. supermarkets on up to $6,000 in spending annually (after that 1%). It does come with an annual fee after the first year (See Rates & Fees). If you take advantage of its other elevated rewards categories such as on streaming and U.S. gas stations, it’s well worth it in our opinion.

Our second favorite is the no-annual fee Citi Custom Cash® Card. It pays 5% cash back on the first $500 spent each month on your top eligible spend category. So you could use this for groceries. There’s no sign-up each month like other rotating category cards require. And if you happen to spend more one month in another eligible category, Citi automatically applies the 5% to that higher spending category.

You can check out our side-by-side comparison of these two cards here.

Best Credit Cards for Cash Back on Groceries

We define the “best” grocery store rewards credit cards as those that pay 2% or more cash back on groceries. This includes cards with a grocery bonus category and cards that pay a flat 2% or more on every purchase. As long-time readers know, we are focused on cold, hard cash.

Please Help: If you know of a card we should add to the list, please let us know!

  • American Express Blue Cash Preferred

    Blue Cash Preferred® Card from American Express

    Est. Annual Rewards
    on Groceries*
    $360.00

    Annual Fee

    $0 intro annual fee for the first year, then $95.

    Reward Range

    1%-6%

    Intro Offer

    Earn a $250 statement credit

    Details

    Limitations: 6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%

    Intro Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.


  • Capital One Walmart Rewards Card

    Capital One Walmart Rewards® Card

    Est. Annual Rewards
    on Groceries*
    $300.00

    Annual Fee

    $0

    Reward Range

    1% – 5% cash back

    Intro Offer

    Earn 5% cash back in Walmart stores

    Details

    Limitations: Earn 5% back on delivery or pickup purchases made through Walmart.com or the Walmart mobile app.

    Intro Offer: Earn 5% cash back in Walmart stores for the first 12 months after approval when you use your Capital One Walmart Rewards® Card with Walmart Pay.


  • Prime Visa

    Est. Annual Rewards
    on Groceries*
    $300.00

    Annual Fee

    $0

    Reward Range

    1% – 10%

    Intro Offer

    Get a $100 Amazon Gift Card

    Details

    Limitations: Earn unlimited 5% back at Amazon Fresh and Whole Foods Market.

    Intro Offer: Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members


  • Amazon Business Prime American Express Card

    Est. Annual Rewards
    on Groceries*
    $300.00

    Annual Fee

    No annual fee

    Reward Range

    1% to 5%

    Intro Offer

    Eligible Prime Members get a $125 Amazon Gift Card

    Details

    Limitations: Earn 5% at Amazon Business, AWS, Amazon.com and Whole Foods Market.

    Intro Offer: Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.


  • Citi Custom Cash

    Citi Custom Cash® Card

    Est. Annual Rewards
    on Groceries*
    $300.00

    Annual Fee

    $0

    Reward Range

    1% – 5%

    Intro Offer

    Earn $200 in cash back

    Details

    Limitations: Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent. Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code.

    Intro Offer: Earn $200 in cash back after you spend $1500 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.


  • Target Redcard

    Target Circle™ RedCard

    Est. Annual Rewards
    on Groceries*
    $300.00

    Annual Fee

    $0

    Reward Range

    Up to 5% off at Target and Target.com

    Intro Offer

    $50

    Details

    Limitations: Earn 5% off every day at Target and Target.com.

    Intro Offer: Save $50 on a future qualifying purchase over $50 when approved for a Target Circle™ Credit or Debit Card.


  • AAA Daily Advantage

    AAA Daily Advantage Visa Signature® Credit Card

    Est. Annual Rewards
    on Groceries*
    $300.00

    Annual Fee

    $0

    Reward Range

    1% to 5% cash back

    Intro Offer

    $100

    Details

    Intro Offer: Get a $100 statement credit after you spend $1,000 in the first 90 days of account opening.


  • Amex Gold Card

    American Express® Gold Card

    Est. Annual Rewards
    on Groceries*
    $144.00

    Annual Fee

    $250

    Reward Range

    1x-4x

    Intro Offer

    Earn 60,000 Membership Rewards® Points

    Details

    Limitations: 4x points at U.S. supermarkets on up to $25,000 in purchases per year.

    Intro Offer: Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.


  • Verizon Credit Card

    Verizon Visa® Card

    Est. Annual Rewards
    on Groceries*
    $240.00

    Annual Fee

    $0

    Reward Range

    1% – 4% cash back

    Intro Offer

    $150

    Details

    Intro Offer: Get a $150 statement credit when you open a Verizon Visa Card account and make a purchase using the card within the first 90 days.


  • Capital One SavorOne Student Cash Rewards Credit Card

    Est. Annual Rewards
    on Groceries*
    $180.00

    Annual Fee

    $0

    Reward Range

    1% to 10% cash back

    Intro Offer

    Earn $50 Cash Back

    Details

    Intro Offer: Earn $50 Cash Back when you spend $100 in the first three months


  • Blue Cash Everyday® Card from American Express

    Est. Annual Rewards
    on Groceries*
    $180.00

    Annual Fee

    $0

    Reward Range

    1%-3%

    Intro Offer

    Earn a $200 statement credit

    Details

    Limitations: 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

    Intro Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.


  • Capital One Savor Cash Rewards Credit Card

    Capital One Savor Rewards Credit Card

    Est. Annual Rewards
    on Groceries*
    $180.00

    Annual Fee

    $95

    Reward Range

    1% – 5%

    Intro Offer

    $300 cash bonus

    Details

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


  • AAA Travel Advantage

    AAA Travel Advantage Visa Signature® Credit Card

    Est. Annual Rewards
    on Groceries*
    $180.00

    Annual Fee

    $0

    Reward Range

    1% to 5% cash back

    Intro Offer

    $100

    Details

    Intro Offer: Earn a $100 statement credit when you spend $1,000 within the first 90 days of account opening.


  • Redstone Visa Signature

    Redstone Visa Signature Credit Card

    Est. Annual Rewards
    on Groceries*
    $180.00

    Annual Fee

    $0

    Reward Range

    1.5% to 5% cash back

    Intro Offer

    $150

    Details

    Intro Offer: Earn $150 in cash back rewards when you spend $3,000 within the first 90 days


  • Capital One SavorOne Cash Rewards for Good Credit

    Capital One SavorOne Cash Rewards for Good Credit

    Est. Annual Rewards
    on Groceries*
    $180.00

    Annual Fee

    $0

    Reward Range

    1% to 10%

    Intro Offer

    Earn unlimited 3% cash back

    Details

    Intro Offer: N/A


  • Amazon Visa

    Est. Annual Rewards
    on Groceries*
    $180.00

    Annual Fee

    $0

    Reward Range

    1% to 3%

    Intro Offer

    $105

    Details

    Limitations: Earn unlimited 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases

    Intro Offer: Earn up to $105 with this limited-time offer. Get a $60 Amazon Gift Card instantly upon approval and earn 3% back everywhere on up to $1,500 in spending for the first 3 months after account opening ($45 value).


  • American Heritage Cash Reward Mastercard

    American Heritage Cash Reward Mastercard®

    Est. Annual Rewards
    on Groceries*
    $180.00

    Annual Fee

    $0

    Reward Range

    1% to 3% cash back

    Intro Offer

    $150

    Details

    Intro Offer: Earn a $150 Bonus Reward when you spend $1,500 in the first 90 days.


  • SavorOne Student

    Capital One SavorOne Cash Rewards Credit Card

    Est. Annual Rewards
    on Groceries*
    $180.00

    Annual Fee

    $0

    Reward Range

    1% -10%

    Intro Offer

    $200 Cash Back

    Details

    Limitations: 3% cash back at grocery stores excluding superstores like Walmart® and Target®

    Intro Offer: $200 Cash Back after you spend $500 on purchases within 3 months from account opening


  • PNC Cash Rewards® Visa® Credit Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    1% – 4%

    Intro Offer

    $200

    Details

    Limitations: 2% cash back on grocery store purchases for the first $8,000 in combined purchases in these categories annually.

    Intro Offer: Earn a $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card.


  • Bank of America® Customized Cash Rewards Credit Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    1% – 5.25%

    Intro Offer

    $200

    Details

    Limitations: Earn 2% cash back at grocery stores and wholesale clubs

    Intro Offer: Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening


  • Bank of America® Customized Cash Rewards Secured Credit Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    1% – 3% cash back

    Intro Offer

    N/a

    Details

    Limitations: Earn 2% cash back at grocery stores and wholesale clubs


  • Bank of America Customized Cash Rewards Credit Card for Students

    Bank of America® Customized Cash Rewards Credit Card for Students

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    1% – 3% cash back

    Intro Offer

    $200 cash rewards bonus

    Details

    Limitations: Earn 2% cash back at grocery stores and wholesale clubs

    Intro Offer: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.


  • DoorDash Rewards Mastercard®

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    1% – 4%

    Intro Offer

    With the DoorDash Rewards Mastercard

    Details

    Limitations: 2% cash back on grocery stores online or in-store

    Intro Offer: With the DoorDash Rewards Mastercard get a FREE year of DashPass ($96 value).


  • Truist Wealth

    Truist Wealth Credit Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0 the first year, $450 thereafter

    Reward Range

    1% to 3% cash back

    Intro Offer

    None

    Details

  • U.S. Bank Cash+ Visa Signature

    U.S. Bank Cash+® Visa Signature® Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    1% – 5%

    Intro Offer

    $200 bonus

    Details

    Limitations: 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants

    Intro Offer: $200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.


  • Truist Enjoy Cash Credit Card

    Truist Enjoy Cash Secured credit card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $19

    Reward Range

    1% to 3% cash back

    Intro Offer

    None

    Details

  • Citi-costco-anywhere-visa-credit-card

    Costco Anywhere Visa® Card by Citi

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    1%-4%

    Intro Offer

    N/A

    Details

    Limitations: Unlimited 2% on all other purchases from Costco and Costco.com.


  • Truist Enjoy Cash Credit Card

    Truist Enjoy Cash Credit Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    1% to 3% cash back

    Intro Offer

    None

    Details

    Limitations: Earn 2% cash back on groceries and utilities (up to the combined $1,000 monthly spend cap)


  • Citi Double Cash

    Citi® Double Cash Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    1% to 2%

    Intro Offer

    Earn $200 cash back

    Details

    Intro Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.


  • Revenued Business Card Visa® Commercial Card

    Est. Annual Rewards
    on Groceries*
    $180.00

    Annual Fee

    $0

    Reward Range

    3%

    Intro Offer

    $500

    Details

    Intro Offer: Receive $500 after spending $5,000 in your first 90 days.


  • Wells Fargo Signify Business Cash

    Wells Fargo Signify Business Cash(SM) Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    2% cash back

    Intro Offer

    $500

    Details

    Intro Offer: Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.


  • Bread Cashback™ American Express® Credit Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    2% Cash Back

    Intro Offer

    None

    Details

  • Chase Ink Business Premier

    Ink Business Premier® Credit Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $195

    Reward Range

    2%-5%

    Intro Offer

    Earn $1,000 bonus cash back

    Details

    Intro Offer: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.


  • Capital One Spark Cash Plus

    Capital One Spark Cash Plus

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $150

    Reward Range

    2% to 5%

    Intro Offer

    $1,200 Cash Back

    Details

    Intro Offer: $1,200 Cash Back once you spend $30,000 in the first 3 months


  • TD Double Up(SM) Credit Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    1% – 2%

    Intro Offer

    Earn $150 Cash Back

    Details

    Intro Offer: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening.


  • Fidelity® Rewards Visa Signature® Credit Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    2% cash back

    Intro Offer

    None

    Details

  • Synchrony Premier World Mastercard®

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    2%

    Intro Offer

    None

    Details

  • Wells Fargo Active Cash

    Wells Fargo Active Cash® Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    2%

    Intro Offer

    Earn a $200 cash rewards bonus

    Details

    Intro Offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months


  • SoFi Credit Card

    SoFi Unlimited 2% Credit Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    2% – 3%

    Intro Offer

    N/a

    Details

    Intro Offer: Earn up to $200 when you fund an Invest account as well as a Checking and Savings account after getting approved for the SoFi Credit Card. See Terms.*


  • Evergreen by FNBO Business Edition Credit Card

    Evergreen® by FNBO Business Edition® Credit Card

    Est. Annual Rewards
    on Groceries*
    $120.00

    Annual Fee

    $0

    Reward Range

    2% cash back

    Intro Offer

    $200

    Details

    Intro Offer: Earn a $200 cash bonus (20,000 points equivalent) when you spend $3,000 within the first 3 billing cycles after account is opened.


*The estimated annual cash back rewards on groceries assume the cardholder spends $500 a month at grocery stores. Remember that some cards have spending caps on elevated rewards, and some are limited to or exclude select grocery stores. Some points and miles cards may offer a higher travel value than cash value.

Details on Grocery Store Rewards Cards

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.

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:

1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases
3% cash back
Gas
3% cash back at U.S. gas stations
3% cash back
Transit
Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
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
  • Welcome Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • 0% Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 19.24% - 29.99%
  • Annual Fee: $0 intro annual fee for the first year, then $95.

*Terms Apply

Read our Blue Cash Preferred® Card from American Express Review

App StatusDateCredit ScoreBureauCredit Limit
Approved01/19/2023
825
Not Provided
$6,000
Approved05/04/2023
738
Experian
$20,000
Approved05/04/2023
748
TransUnion
$20,000
Approved05/04/2023
755
Equifax
$20,000


Citi Custom Cash® Card

The Citi Custom Cash® Card is a good choice if you want 5% cash back but don’t want to keep track of rotating categories. You simply get 5% cash back in whatever category you spend the most money in, without having to change every month. So, you can conceivably get 5% cash back on grocery store purchases all the time. There is a cap of $500 a month, though.

Rewards:

1% cash back
On all other eligible purchases
Earn unlimited 1% cash back on all other purchases.
5% cash back
Select Categories
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • Welcome Offer: Earn $200 in cash back after you spend $1500 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.
  • 0% Intro APR: Get 0% on purchases and balance transfers for the first 15 months After that, your rate will be 19.24% - 29.24% variable, depending on creditworthiness.
  • Annual Fee: $0

Read our Citi Custom Cash® Card Review

App StatusDateCredit ScoreBureauCredit Limit
Approved02/06/2023
748
Experian
$3,800
Approved02/06/2023
759
TransUnion
$3,800
Approved02/06/2023
761
Equifax
$3,800
Approved10/04/2023
784
Experian
$5,300
Approved10/04/2023
801
TransUnion
$5,300
Approved10/04/2023
811
Equifax
$5,300
Approved09/13/2023
800
Not Provided
$11,600
Approved10/24/2023
720
Equifax
$8,000
Approved07/17/2023
790
Equifax
$3,000
Approved01/17/2023
800
TransUnion
$5,300
Denied05/12/2023
800
Not Provided
---
Denied05/19/2024
762
Not Provided
---


Prime Visa–5% Cash Back

We shop at Whole Foods, so the Prime Visa 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:

1% cash back
On all other eligible purchases
Earn unlimited 1% back on all other purchases.
2% cash back
Dining
Earn unlimited 2% back at restaurants.
2% cash back
Gas
Earn unlimited 2% back at gas stations.
2% cash back
Transit
Earn unlimited 2% back on local transit and commuting (including rideshare).
5% cash back
Select Categories
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market with an eligible Prime membership.
5% cash back
Travel
Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership.
10% cash back
Select Categories
Eligible Prime cardmembers earn 10% back or more on a rotating selection of items and categories on Amazon.com.
  • Welcome Offer: Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • 0% Intro APR: N/A
  • Annual Fee: $0

Read our Prime Visa Review

App StatusDateCredit ScoreBureauCredit Limit
Approved05/17/2023
686
Not Provided
---
Approved07/08/2023
782
Equifax
$18,000
Approved07/08/2023
799
TransUnion
$18,000
Approved07/08/2023
806
Experian
$18,000
Approved06/27/2023
736
Experian
$2,000
Approved06/27/2023
771
Equifax
$2,000
Approved05/25/2023
820
Not Provided
$28,000
Approved05/25/2023
837
Not Provided
$28,000
Approved05/25/2023
844
Not Provided
$28,000
Approved06/01/2023
660
Experian
$3,000
Approved06/01/2023
677
TransUnion
$3,000
Approved06/01/2023
680
Equifax
$3,000
Approved06/14/2023
730
Not Provided
$5,000
Approved07/11/2023
739
Experian
$20,000
Approved05/21/2023
704
Experian
$500
Approved04/03/2023
751
Experian
$17,300
Approved11/24/2023
760
Not Provided
$15,000
Approved07/18/2023
758
Experian
$6,000
Approved10/11/2023
811
Equifax
$5,000
Approved10/11/2023
814
TransUnion
$5,000
Approved10/11/2023
817
Experian
$5,000
Approved05/01/2023
771
Experian
$21,300
Approved06/12/2023
741
Experian
$6,900
Approved06/12/2023
751
TransUnion
$6,900
Approved06/12/2023
759
Equifax
$6,900
Approved04/23/2023
681
Not Provided
$3,500


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:

1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases.
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%.
  • Welcome Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • 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, 19.24% - 29.99% variable APR.
  • Annual Fee: $0

*Terms Apply

Read our Blue Cash Everyday® Card from American Express Review

App StatusDateCredit ScoreBureauCredit Limit
Approved02/01/2023
727
Experian
$2,000
Approved09/24/2023
730
Experian
$2,000
Approved09/24/2023
735
Equifax
$2,000
Approved09/24/2023
790
TransUnion
$2,000
Approved05/21/2023
665
Experian
$5,000
Approved07/20/2023
770
Equifax
$6,000
Approved07/20/2023
772
Experian
$6,000
Approved07/20/2023
780
TransUnion
$6,000
Approved06/15/2023
730
Not Provided
$10,000


American Express® Gold Card

While most think of the American Express® Gold Card as a dining and travel card, it also pays 4x Membership 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.

Rewards:

1x points
On all other eligible purchases
1x points on all other eligible purchases
3x points
Airfare
3x points on flights booked directly with airlines or on amextravel.com
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.
  • Welcome Offer: Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • 0% Intro APR: N/A
  • Annual Fee: $250

*Terms Apply

Read our American Express® Gold Card Review

App StatusDateCredit ScoreBureauCredit Limit
Approved06/13/2023
699
TransUnion
$1,750
Approved02/03/2024
688
Equifax
---
Approved02/03/2024
690
Experian
---
Approved02/03/2024
731
TransUnion
---
Approved02/27/2023
700
Experian
---


Capital One Savor Rewards Credit Card

The Capital One Savor Rewards Credit Card pays 3% 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.

Rewards:

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases.
3% cash back
U.S. supermarkets
Earn 3% cash back at grocery stores. (Excludes superstores like Walmart® and Target®.)
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.
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.
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases.
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.
  • Welcome Offer: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
  • 0% Intro APR: N/A
  • Annual Fee: $95

Read our Capital One Savor Rewards Credit Card Review

App StatusDateCredit ScoreBureauCredit Limit
Approved09/22/2022
630
TransUnion
$3,000
Denied08/20/2022
634
Not Provided
---


Capital One SavorOne Cash Rewards Credit Card

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

Rewards:

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Supermarkets
3% cash back at grocery stores excluding superstores like Walmart® and Target®
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
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases
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
  • Welcome Offer: $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • 0% Intro APR: 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months.
  • Annual Fee: $0

Read our Capital One SavorOne Cash Rewards Credit Card Review

App StatusDateCredit ScoreBureauCredit Limit
Approved04/06/2023
740
Not Provided
$1,000
Approved09/13/2023
720
TransUnion
$10,000
Approved09/13/2023
740
Equifax
$10,000
Approved09/13/2023
780
Not Provided
$10,000
Approved12/05/2023
760
Not Provided
$10,000
Approved02/01/2023
661
Experian
$5,000
Approved02/01/2023
729
TransUnion
$5,000
Approved05/11/2023
815
Not Provided
$10,000
Approved06/08/2023
620
Not Provided
$5,000
Approved04/04/2023
700
Not Provided
$1,000
Approved08/14/2023
734
Experian
$1,000
Approved08/14/2023
738
Not Provided
$1,000
Approved02/02/2023
795
Not Provided
$15,000
Approved02/02/2023
803
Not Provided
$15,000
Approved09/05/2023
820
Experian
$40,000
Approved04/12/2023
768
Equifax
$20,000
Approved04/12/2023
768
TransUnion
$20,000
Approved04/12/2023
772
Experian
$20,000
Approved02/12/2023
657
TransUnion
$1,000
Approved08/10/2023
672
Not Provided
---
Approved08/10/2023
803
Experian
---
Denied06/16/2023
700
Not Provided
---
Denied10/25/2023
776
Not Provided
---
Denied10/25/2023
778
Not Provided
---
Denied03/08/2023
811
TransUnion
---
Denied03/26/2024
736
Experian
---
Denied06/17/2023
797
Not Provided
---
Denied08/05/2023
710
Not Provided
---
Denied12/02/2023
771
TransUnion
---
Denied12/02/2023
804
Experian
---


TD Cash Credit Card

The TD Cash Credit Card pays 2% cash back on groceries, and 3% cash back on dining, including takeout and delivery orders when you open your card. After that, you choose whatever categories you want to earn 3% and 2% cash back. All other purchases earn 1% cash back, and there’s no annual fee.

There’s also a 0% intro APR on balance transfers for 15 months months.

Rewards:

1% cash back
On all other eligible purchases
1% Cash Back on other purchases.
2% cash back
Select Categories
Choose your top two Spend Categories to earn unlimited 3% and 2% Cash Back.
3% cash back
Select Categories
Choose your top two Spend Categories to earn unlimited 3% and 2% Cash Back.
  • Welcome Offer: Earn $150 Cash Back when you spend $1,000 within the first 90 days after account opening
  • 0% Intro APR: get 0% APR on Balance Transfers for 15 months billing cycles after account opening
  • Annual Fee: None

Read our Review

App StatusDateCredit ScoreBureauCredit Limit
Approved01/27/2023
770
Experian
$6,000


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 purchases, it could easily serve as a single card for all purchases, including groceries.

The card also offers an excellent welcome bonus.

Rewards:

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
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
5% cash back
Travel
5% cash back on all travel purchased through Chase Travel(SM)
  • Welcome Offer: 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 Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
  • 0% Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Annual Fee: $0

Read our Chase Freedom Unlimited® Review

App StatusDateCredit ScoreBureauCredit Limit
Approved03/20/2023
785
Experian
$5,000
Approved07/18/2023
765
Experian
$12,500
Approved07/18/2023
773
TransUnion
$12,500
Approved07/18/2023
785
Equifax
$12,500
Approved09/06/2023
754
Experian
$9,000
Approved09/08/2023
740
Equifax
$15,000
Denied09/05/2023
738
Experian
---
Denied09/05/2023
740
Equifax
---
Denied09/05/2023
750
TransUnion
---


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 quarter (capped at $1,500 in purchases). These rotating categories may include grocery store purchases. The card also offers a signup bonus.

Rewards:

1% cash back
On all other eligible purchases
1% cash back on all other purchases
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
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
  • Welcome Offer: Earn 10% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year. *Offer varies by location.
  • 0% Intro APR: 0% Intro APR for 15 months months from account opening on purchases and balance transfers, then a variable APR of 20.49%–29.24%.
  • Annual Fee: $0

Read our Chase Freedom Flex(SM) Review

App StatusDateCredit ScoreBureauCredit Limit
Approved04/02/2023
741
TransUnion
$14,000
Approved04/02/2023
748
Experian
$14,000
Approved08/02/2023
800
Not Provided
$19,000
Approved06/05/2022
746
Experian
---
Approved06/05/2022
748
TransUnion
---
Approved10/24/2023
800
Not Provided
$8,600
Approved09/03/2023
795
Experian
$22,500
Approved09/03/2023
847
TransUnion
$22,500
Approved06/02/2023
789
TransUnion
$12,000
Approved06/02/2023
791
Experian
$12,000


PenFed Platinum Rewards Visa Signature® Card

PenFed Platinum Rewards Visa Signature® Card offers 3x points at supermarkets, and unlike many other cards, it includes Walmart and Target purchases. There’s a lot to like about this card: a small welcome bonus, great rewards, 0% on balance transfers, and no annual fee.

Rewards:

1x points
On all other eligible purchases
1x Points on all other purchases
3x points
U.S. supermarkets
3x Points at the supermarket (including most Target and Walmart locations)
3x points
Streaming services
3x Points on TV, radio, cable, streaming services
3x points
Dining
3x Points at restaurants
5x points
Gas
5x points on gas paid at the pump and EV charging stations
  • Welcome Offer: 15,000 Bonus Points when you spend $1,500 in first 90 days
  • 0% APR: Get 0% APR on balance transfers for 12 months.
  • Annual Fee: No Annual Fee

Read our PenFed Platinum Rewards Visa Signature® Card Review

App StatusDateCredit ScoreBureauCredit Limit
Approved07/11/2023
697
Not Provided
$7,500


Instacart Mastercard® 

Instacart Mastercard® gets you a free year of Instacart (subject to automatic renewal), a $100 Instacart credit, plus 5% cash back on Instacart purchases. If you use Instacart to make your life easier, this card is a great deal.

Rewards:  

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases
2% cash back
Streaming services
Earn 2% cash back on select streaming services
2% cash back
Dining
Earn 2% cash back at restaurants
2% cash back
Gas
Earn 2% cash back at gas stations
5% cash back
Select Categories
Earn 5% cash back on Instacart.com and Instacart app purchases on over 750 retailers delivering from more than 70,000 stores across 5,500 cities
5% cash back
Travel
Earn 5% cash back on travel purchased over the phone through the Chase Travel Center, including flights, hotels and more
  • Welcome Offer:  Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
  • 0% APR: None
  • Annual Fee:  $0
App StatusDateCredit ScoreBureauCredit Limit
Approved02/08/2023
694
Experian
$12,000
Approved08/31/2023
710
TransUnion
$3,000


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.

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. For superstores and warehouses, branded cards are the best option.

4 Comments

  1. I would also consider the ease of settling a complaint with the credit card company along with there values. I have had problems with having to jump through to many hoops to settle a dispute. I also, don’t want to support a company that supports fighting against what I value is importance to me.
    I also noticed that Discover CC wasn’t on the list, is there a reason for this?

    1. Discover doesn’t offer a card that pays 2% or more on groceries, other than quarterly rotating categories that may 3 months of the year.

  2. Consider adding the debit card from Target, called the “Red Card”. It provides 5% cash back savings on purchases at Target, including groceries.

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