In the latest inflation data, the cost of groceries rose 1.1% in just one month. Prices are expected to rise by as much as 3.5% in 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.
Chase Freedom Flex–5% Cash Back

The card also offers a $200 bonus after you spend $500 on purchases with the card in the first 3 months.
- Signup Bonus: $200
- Rewards Rate: 1% to 5%
- 0% Intro APR: Yes, on purchases
- Annual Fee: $0
Blue Cash Preferred® Card from American Express–6% Cash Back

The card also offers a $300 statement credit after you spend $3,000 on purchases with the card in 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.
- Welcome Bonus: $300
- Rewards Rate: 1% to 6%
- 0% Intro APR: Yes, on purchases
- Annual Fee: $0 introductory annual fee for the first year, then $95
Amazon Prime Rewards Visa Signature Card–5% Cash Back

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

- Welcome Bonus: $200
- Rewards Rate: 1% to 3%
- 0% Intro APR: Yes, on purchases
- 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.
- 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.
- Signup Bonus: $300
- Rewards Rate: 1% to 4%
- 0% Intro APR: Yes, on both purchases and balance transfers
- Annual Fee: $95
TD Cash Credit Card

This card offers a $150 bonus after spending $500 within your first 3 months. There’s also a 0% intro APR on balance transfers for 12 months.
- Signup Bonus: $150
- Rewards Rate: 1% – 3%
- 0% Intro APR: 12 months
- Annual Fee: $0
Chase Freedom Unlimited

The card also offers a $300 bonus after you spend $ on purchases with the card in the first months.
- Signup Bonus: $300
- Rewards Rate: 1.5% to 5%
- 0% Intro APR: Yes, on purchases
- 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.