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9 Best Credit Cards for Groceries – Rewards & Offers


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Grocery shopping is a great equalizer. Rich and poor, adventurous cooks and microwave-only eaters — pretty much everyone knows what it’s like to browse supermarket shelves. By now, most know how to play the grocery delivery game too.

It’s no surprise, then, that supermarket credit card offers are so popular up and down the income scale.

From entry-level spending aids like the Blue Cash Everyday card from American Express to prime products like the Amazon Prime Rewards Visa Signature card, there’s almost certainly a rewards-bearing card tailored to your grocery shopping habits and credit score.


Best Credit Cards for Groceries

These are among the best grocery credit cards to use for grocery store and supermarket purchases.

Unless otherwise noted, grocery purchases made at superstores like Walmart, Target, and Meijer and warehouse clubs (wholesale clubs) like Sam’s Club and Costco don’t qualify as supermarket purchases.


1. Blue Cash Preferred® Card From American Express

6% Cash Back at U.S. Supermarkets; Up to $6,000 in Annual Category Spending

American Express Blue Cash Preferred Credit Card

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The Blue Cash Preferred® card from American Express rewards grocery store purchases better than any major credit card on the market: 6% cash back on the first $6,000 in annual purchases at U.S. supermarkets. Cash back accrues as Reward Dollars that can be redeemed for statement credits.

That’s $360 in grocery store cash back, or $265 after accounting for the $95 annual fee (after the first year, when the annual fee is $0; see rates and fees page.). It’s a solid haul by any stretch — one most multiperson households can easily achieve.

Key features of this cash-back card include:

  • Welcome Offer: Earn $300 back after you spend at least $3,000 on purchases within the first six months. Cash back accrues as Reward Dollars that can be redeemed for statement credits.
  • Earning Rewards: Earn a 6% cash-back rate on purchases at U.S. supermarkets, up to the first $6,000 in eligible purchases per calendar year. Earn 6% cash back on digital media and streaming services, including Amazon Prime, Netflix, HBO, Audible, and Apple Music. Earn 3% cash back on two other bonus categories: U.S. gas station and local transportation and transit purchases, including parking, tolls, and ridesharing fares. Earn 1% cash back on all other eligible purchases, including grocery store purchases above the annual spending cap. Cash back accrues as Reward Dollars that can be redeemed for statement credits.
  • Redeeming Rewards: Redeem for statement credits starting at $25 in reward dollars. Alternatively, redeem for alternate rewards, such as gift cards and merchandise, through Amex’s rewards portal.
  • Introductory APR: Enjoy 0% APR on purchases for the first 12 months your Blue Cash Preferred Card account is open. After that, regular variable APR applies (currently 13.99% to 23.99%). See rates and fees page.
  • Key Fees: The annual fee is $0 for the first year, then $95 each year thereafter. The foreign transaction fee is 2.7%.

See our Blue Cash Preferred® card from American Express review for more information. Learn more and find out how to apply for this American Express card here.

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2. Capital One SavorOne Cash Rewards Credit Card

3% Cash Back on Supermarket Purchases

Capital One Savorone Card Art 8 17 21

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The Capital One SavorOne Cash Rewards credit card earns unlimited 3% cash back on supermarket purchases.

It’s by no means the best overall value compared with the best cash-back credit cards on the market. But with no annual fee and a solid rate of return on dining and entertainment purchases, it’s a worthy contender for folks who like to eat — whether in the comfort of their own kitchens or out on the town.

  • Early Spend Bonus: Earn $200 bonus cash when you spend $500 on purchases within three months of your account opening date.
  • Earning Rewards: Earn unlimited 3% cash back on qualifying grocery store purchases (except purchases at superstores like Walmart and Target) and purchases of dining, entertainment, and eligible streaming services. Earn unlimited 1% cash back on all other eligible purchases.
  • Redeeming Rewards: Redeem for statement credits or bank account deposits in any amount.
  • Introductory APR: Enjoy 0% APR on purchases and balance transfers for the first 15 months from your account opening date. After that, variable regular APR applies (currently 14.99% to 24.99% variable).
  • Key Fees: There is no annual fee or foreign transaction fee.
  • Other Perks: Enjoy money-saving perks such as 24/7 travel assistance services, potential savings on prior purchases through Capital One Shopping and Paribus, extended warranties on select purchased items. SavorOne comes in Visa and Mastercard varieties, and feature availability may vary by product.

Learn more about this card and find out how to apply here.

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3. Capital One SavorOne Student Cash Rewards Credit Card

3% Cash Back on Eligible Grocery Store Purchases

Capital One Savorone Student Card Art 8 18 21

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Like its “parent” card, the Capital One SavorOne Student Cash Rewards Credit Card earns unlimited 3% cash back on eligible grocery store purchases, excluding purchases at superstores like Walmart and Target.

This makes it the perfect card for two- or four-year degree students living on their own or with roommates and managing their own grocery bills as part of their newfound independence. It’s also great first credit card in general, thanks to Capital One’s commitment to consider cardholders for higher credit lines after as few as 6 months of responsible use.

  • Early Spend Bonus: There’s currently no bonus for new cardholders.
  • Earning Rewards: Earn unlimited 3% cash back on qualifying grocery store purchases (except purchases at superstores like Walmart and Target). Purchases of dining, entertainment, and eligible streaming services also earn unlimited 3% cash back. All other eligible purchases earn unlimited 1% cash back.
  • Redeeming Rewards: Redeem for statement credits or bank account deposits in any amount.
  • Introductory APR: There’s no intro APR offer on this card.
  • Key Fees: There is no annual fee or foreign transaction fee.
  • Other Perks: Use your card responsibly and make timely payments for at least 6 months to be considered for a credit line increase.

Learn more about this card and find out how to apply here.

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4. Amazon Prime Rewards Visa Signature Card

5% Cash Back on Grocery Purchases at Whole Foods and Amazon’s Website

Amazon Prime Rewards Credit Card

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The Amazon Prime Rewards Visa Signature Card is the obvious choice for Amazon Prime members who do most or all their grocery shopping through Amazon Fresh, Amazon Prime Pantry, or Whole Foods Market. All Amazon-ecosystem purchases, including both perishable and nonperishable groceries, earn 5% cash back.

It’s easy to redeem your Amazon cash-back rewards in any amount for purchase credits at checkout, making this a truly seamless grocery rewards credit card for Amazon fans.

Key features of the card include:

  • Sign-Up Bonus: Get a $100 Amazon gift card immediately upon approval. Exclusions apply; see terms for details.
  • Earning Rewards: Earn unlimited 5% cash back on eligible purchases at Whole Foods Market locations and amazon.com, including Amazon Fresh and Amazon Prime Pantry. Earn unlimited 2% cash back on purchases made at restaurants, gas stations, and drugstores. Earn unlimited 1% cash back on all other eligible purchases.
  • Redeeming Rewards: Redeem accumulated cash back in any amount for statement credits, deposits to linked bank accounts, or credits against Amazon purchases at checkout.
  • Introductory APR: None.
  • Key Fees: There is no annual fee for the card itself, but cardholders must be Amazon Prime members in good standing to earn 5% cash back on Amazon.com and Whole Foods purchases. Prime membership costs $119 per year, subject to change. There is no foreign transaction fee.
  • Other Perks: Enjoy a host of travel insurance perks, including lost luggage reimbursement, baggage delay insurance, and travel accident insurance. Other perks include extended warranties on select items with existing manufacturers’ warranties and complimentary car rental insurance when you pay for the rental in full with your card.

See our Amazon Prime Rewards Visa Signature card review for more information. Learn more and find out how to apply for this card here.

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5. Chase Freedom Unlimited®

5% Cash Back on Eligible Grocery Store Purchases (Up to $12,000 Spent) in the First Year

Chase Freedom Unlimited Credit Card

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Chase Freedom Unlimited doesn’t have a permanent special grocery rewards tier for supermarket purchases.

However, the second part of its very generous sign-up bonus promises 5% cash back on up to $12,000 in eligible grocery spending during the first year, excluding grocery purchases at Target and Walmart. That’s up to $600 in bonus cash back on eligible grocery purchases.

The rest of Freedom Unlimited’s rewards program is nothing to sneeze at either, thanks to bonus earnings on eligible Chase Travel purchases, qualifying Lyft purchases (limited time only), restaurant purchases (including takeout and eligible delivery), and drugstore purchases, plus unlimited 1.5% cash back on all other eligible purchases.

You can redeem your accumulated rewards for virtually anything, in any amount, at the Chase Ultimate Rewards® portal. Point transfers to more generous Chase cards or partner travel programs, or simply straight cash back, are the best ways to go.

  • Sign-Up Bonus: Earn $200 bonus cash when you spend at least $500 on eligible purchases during the first three months your account is open. Also, earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year, excluding grocery purchases at Target or Walmart.
  • Earning Rewards: Chase Travel purchases earn 5% cash back, drugstore and dining purchases (including takeout and eligible delivery) earn 3% cash back, and Lyft purchases earn 5% cash back through March 2022. All other eligible purchases earn 1.5% cash back.
  • Redeeming Rewards: Redeem for statement credits, bank account deposits, gift cards, purchases with third-party retailers like Amazon, and purchases made through the Chase Travel portal.
  • Introductory APR: Enjoy 0% introductory purchase APR for 15 months after account opening. After that, variable regular APR applies.
  • Regular APR: Once the introductory promotion ends, variable regular APR applies, currently 14.99% to 24.74% APR.
  • Key Fees: There’s no annual fee. Cash advances cost the greater of $10 or 5%. Foreign transactions cost 3% of the total transaction amount.
  • Other Perks: Enjoy a free DoorDash DashPass subscription for three months from account opening (then 50% off for the next nine months). Activation is required to earn the DoorDash benefit.

See our Chase Freedom Unlimited Card review for more information. Find out how to apply for this card here.

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6. Chase Freedom Flex℠ Card

5% Cash Back on Eligible Grocery Store Purchases (Up to $12,000 Spent) in the First Year

Chase Freedom Flex Card Art 1 28 21

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Chase Freedom Flex has the same great first-year grocery store benefit as Chase Freedom Unlimited: 5% cash back on the first $12,000 in eligible purchases, excluding purchases made at Target and Walmart.

Otherwise, its rewards program is similar, with two big exceptions: quarterly rotating bonus cash back categories that offer 5% cash back on up to $1,500 in combined category purchases, and a cash back baseline of 1% instead of 1.5%.

Like Freedom Unlimited, Freedom Flex allows redemptions for statement credits, gift cards, direct purchases with partner retailers, and more. Bear in mind that you have to manually activate your 5% rotating categories by the middle of the last month of each quarter to earn retroactive cash back for the period.

  • Sign-Up Bonus: When you make $500 in qualifying purchases within three months of opening your account, you get $200. Plus, earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year. This benefit does not include grocery purchases at Target or Walmart.
  • Earning Rewards: Earn 5% cash back on purchases in quarterly rotating categories, up to $1,500 combined spending across all categories. Earn unlimited 5% cash back on qualifying Lyft purchases through March 2022 and 5% cash back on Chase Travel purchases indefinitely. Drugstore and dining purchases (including takeout and delivery) earn 3% cash back. Earn unlimited 1% cash back on quarterly category purchases above the $1,500 limit and on all other purchases.
  • Redeeming Rewards: Redeem for statement credits, bank account deposits, gift cards, travel, general merchandise, and other purchases at the Ultimate Rewards portal.
  • Introductory APR: Enjoy 0% APR on purchases for 15 months. Thereafter, variable regular APR applies.
  • Regular APR: Once the introductory promotion ends, variable regular APR applies, currently 14.99% to 24.74% APR.
  • Key Fees: There’s no annual fee. The foreign transaction fee is a flat 3%.
  • Other Perks: Enjoy a complimentary subscription to DoorDash’s DashPass service for three months from account opening, then 50% off for the next nine months. Activation is required to earn this benefit.

See our Chase Freedom Flex Card review for more information. Learn more about this card and find out how to apply here.

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7. American Express® Gold Card

4x Points at U.S. Supermarkets; Up to $25,000 in Annual Category Purchases

Amex Gold Card Art 2 4 21

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The American Express® Gold card earns 4 Membership Rewards points per $1 spent on the first $25,000 in U.S. supermarket purchases each year. That’s up to 100,000 bonus points, worth up to $0.01 per point at redemption — a 4% return on spending.

Above the annual spending cap, you earn 1 point per $1 spent on U.S. supermarket purchases. Most frugal families don’t need to worry about running over.

  • Welcome Offer: Earn 60,000 Membership Rewards points after spending $4,000 in purchases on your card within the first six months of card membership.
  • Earning Rewards: Earn 4 points per $1 spent on restaurant purchases (including takeout and delivery) and 4 points per $1 spent on U.S. supermarket purchases, up to $25,000 in annual supermarket spending. Earn 4 points per $1 spent on Uber Eats purchases as well. Earn 3 points per $1 spent on airfare purchased directly with the airline and at amextravel.com and 1 point per $1 spent on all other eligible purchases.
  • Redeeming Rewards: There are multiple redemption options for this grocery rewards card, including travel bookings, gift cards, Uber rides, general merchandise, and statement credits at the American Express membership rewards portal. Redemption minimums begin at 1,000 points. Most value points between $0.005 and $0.01 apiece.
  • Introductory APR: None. For specific rates and fees of the American Express® Gold card, see its rates and fees page.
  • Key Fees: The annual fee is $250. There is no foreign transaction fee.
  • Other Perks: Other perks include $10 in dining credits per month (up to $120 per year) with select participating chains and apps, including Seamless, and up to $10 in Uber Cash per month (up to $120 per year) when you add your Gold Card as a payment method in the app. Enrollment is required to enjoy these benefits.

See our American Express® Gold card review for more information. Learn more and find out how to apply for this card here.

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8. Blue Cash Everyday® Card from American Express

3% Cash Back on Supermarket Purchases; Up to $6,000 in Annual Category Purchases

american express blue cash card

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The no-annual-fee alternative to the Blue Cash Everyday® card is nearly as generous as its fee-bearing parent.

Get 3% cash back on the first $6,000 in purchases made at U.S. supermarkets each year and 1% cash back on supermarket purchases thereafter. That’s $180 in bonus cash back in addition to baseline cash. Cash back accrues as Reward Dollars that can be redeemed for statement credits.

Key features of this card include:

  • Welcome Offer: Earn $200 back after you spend at least $2,000 on purchases within the first 6 months of opening your account. Cash back accrues as Reward Dollars that can be redeemed for statement credits.
  • Earning Rewards: Earn 3% cash back on eligible U.S. supermarket purchases, up to $6,000 in total supermarket spending per year. Earn 2% cash back at U.S. gas stations and select U.S. department stores. Earn 1% cash back on all other eligible purchases, including supermarket purchases above the annual spending cap. Cash back accrues as Reward Dollars that can be redeemed for statement credits.
  • Redeeming Rewards: Redeem accumulated cash back for statement credits on your Blue Cash Everyday account.
  • Introductory APR: Enjoy 0% intro APR on purchases and balance transfers for 15 months from your account opening date, then regular variable APR applies (currently 13.99% to 23.99%). See rates and fees page.
  • Key Fees: There is no annual fee. Foreign transactions cost 2.7% of the transaction amount. Balance transfers cost $5 or 3% of the amount of each transfer, whichever is greater.

See our Blue Cash Everyday® card from American Express review for more information. Learn more and find out how to apply for this card here.

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9. Citi Double Cash® Card

2% Cash Back on All Eligible Purchases, Including Supermarket Purchases

Citi Double Cash Card Art 12 4 19

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The Citi Double Cash® card earns 2% cash back on all eligible purchases, including purchases at the supermarket. If you’re not interested in carrying a separate card solely for supermarket transactions, this is as good a choice as any.

Just be sure to pay your entire balance in full each month, as you only earn the full 2% cash-back allowance when you zero out your statement.

  • Sign-Up Bonus: There is currently no sign-up bonus. Check with Citi for the latest offer details.
  • Earning Rewards: Earn unlimited 1% cash back on all eligible purchases at the point of sale and another unlimited 1% cash back when you pay down your balances (provided you make the minimum payment). Eligible purchases include grocery store purchases.
  • Redeeming Rewards: Redeem for statement credits and other forms of cash back, subject to redemption minimums.
  • Introductory APR: Enjoy 0% APR on balance transfers for 18 months from your account opening date. After that, regular variable APR applies.
  • Key Fees: There is no annual fee. The foreign transaction fee is 3%.

See our Citi Double Cash® Card review for more information. Learn more and find out how to apply for this card here.

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Final Word

Each of these supermarket credit cards rewards grocery store purchases consistently — month after month, quarter after quarter, year after year. And that consistency is vital to their value.

It’s worth calling out the sometime-supermarket credit cards that didn’t make this list. It’s not that they’re never worth using at the grocery store. Rather, they only perform from time to time.

Take the Chase Freedom Flex Credit Card, for instance. Freedom reliably earns 5% cash back on grocery store purchases for one quarter per year, up to $1,500 in quarterly category spending. The catch: Grocery store earnings drop to just 1% the other nine months of the year, supplanted by another favored category.

Cards like Chase Freedom Flex are fine for cardholders who can adjust their spending as the opportunity arises. Those who sideline their primary grocery card during Chase Freedom’s bonanza quarter can earn impressive average rates of return on grocery store spending throughout the year. But not everyone wants (or has the means) to juggle two supermarket credit cards.

For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this rates and fees page.

For rates and fees of the Blue Cash Preferred® Card from American Express, please visit this rates and fees page.

For rates and fees of the American Express® Gold Card, please visit this rates and fees page.

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