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In the latest inflation data, the cost of groceries is 3.7% higher than in July 2022. 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. 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 makeup 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
3% cash back on transit, such as taxis, rideshare, parking, tolls, trains and buses
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 Bonus: 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.
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.
Signup Bonus: 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
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 are 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:
2x points
On all other eligible purchases
2x on all other eligible purchases.
6x points
U.S. supermarkets
6x points on eligible grocery store purchases.
Welcome Bonus: None
0% Intro APR: N/A
Annual Fee: $0
Amazon Prime Visa–5% Cash Back
We shop at Whole Foods, so the Amazon 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 all other purchases anywhere Visa is accepted.
2% cash back
Dining
Earn 2% rewards at Earn unlimited 2% back at restaurants, whether you dine in or take out.
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 Fresh online or in-store at any Amazon Fresh locations with an eligible Prime membership.
5% cash back
Select Categories
Earn unlimited 5% back at Whole Foods Market online or in-store at any Whole Foods Market locations with an eligible Prime membership.
5% cash back
Select Categories
Earn unlimited 5% back on your Amazon.com purchases 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.
Signup Bonus: As a Prime member, get a $100 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application.
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 Bonus: 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
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 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.
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.
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.
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.
Signup Bonus: 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
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
U.S. 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
Travel
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. 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
Signup Bonus: $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
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.
For a limited time, you can earn 5% on grocery store purchases for 6 months or up to a $6,000 spend. There’s also a 0% intro APR on balance transfers for for first 12 billing cycles after account opening. After that 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness 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.
5% cash back
Gas
Limited Time Offer: Earn 5% Cash Back on gas purchases for 6 months or up to $6,000 in spend.
Signup Bonus: Bonus Cash Back: Earn $150 Cash Back when you spend $500 within 90 days after account opening
0% Intro APR: for first 12 billing cycles after account opening. After that 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness billing cycles after account opening
Annual Fee: None
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 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:
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
Earn 5% cash back on travel purchased through Chase Ultimate 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.
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
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
Signup Bonus: $$200
0% Intro APR: 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
Platinum Rewards Visa Signature® Card
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
Signup Bonus: 15,000 Bonus Points when you spend $1,500 in first 90 days
0% APR: Get 0% APR on balance transfers for months.
Annual Fee: No Annual Fee
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
1% cash back on all other eligible purchases
2% cash back
Streaming services
2% cash back on select streaming services
2% cash back
Dining
2% cash back at restaurants
2% cash back
Gas
2% cash back on gas
5% cash back
Select Categories
5% cash back on Instacart.com and Instacart app purchases
5% cash back
Travel
5% cash back on travel purchases through the Chase Travel Center
Signup Bonus: Get a $100 Instacart credit and a free year of Instacart upon approval
0% APR: None
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.
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.
Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.
