The Blue Cash Preferred® Card from American Express offers one of the highest rewards rates on U.S. supermarket purchases, as well as generous rewards for select U.S. streaming subscriptions, purchases at U.S. gas stations and transit.
| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
|---|---|---|---|---|---|
Blue Cash Preferred® Card from American Express
|
Winner
|
$0 intro annual fee for the first year, then $95. | 1% - 6% cash back
| $250 statement credit
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
| |
Citi Custom Cash® Card*
|
5% cash back
|
$0 | 1% - 5% cash back
| $200 cash back
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.
| |
Chase Sapphire Preferred® Card
 Apply Now
on Chase's secure site Rates & Fees |
Best Chase card for groceries
|
$95 | 1X - 5X points
| 75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
|
Apply Now
on Chase's secure site Rates & Fees |
Blue Cash Everyday® Card from American Express
|
No annual fee
|
$0 | 1% - 3% cash back
| $200 statement credit
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
| |
American Express® Gold Card
|
Large grocery purchases
|
$325 | 1X - 4X points
| As high as 100,000 points
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
| |
Capital One Savor Cash Rewards Credit Card
|
Groceries and dining
|
$0 | 1% - 8% cash back
| $200 Cash Back
$200 Cash Back after you spend $500 on purchases within 3 months from account opening
| |
Prime Visa
Apply Now
on Chase's secure site Rates & Fees |
Whole Foods and Amazon
|
$0 | 1% - 5% cash back
| $150 Amazon gift card
Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
|
Apply Now
on Chase's secure site Rates & Fees |
Costco Anywhere Visa® Card by Citi*
|
Costco
|
$0 | 1% - 5% cash back
| N/A | |
Instacart Mastercard®*
|
Instacart shoppers
|
$0 | 1% - 5% cash back
| $50 Instacart statement credit
Get a $50 Instacart credit automatically upon approval.
|
We selected the best grocery cards through a review of cards available on LendingTree and from top issuers. The following factors influenced our top card picks:
Useful benefits, such as cellphone protection and extended warranty protection, influenced our choices as well.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Grocery rewards: Earn 6% cash back* (on up to $6,000 per year at U.S. supermarkets)
Rewards rate details:
The Blue Cash Preferred® Card from American Express is our top pick as the best credit card for gas and groceries, and for good reason. This card offers an incredible rewards rate at U.S. supermarkets and U.S. gas stations, which cardholders can use to maximize cash back* earned on these everyday purchases.
The card also offers an elevated rewards rate for select U.S. streaming services and transit, as well as an intro APR on purchases. If you max out the $6,000 spend cap at U.S. supermarkets each year, you’ll get a generous $360 in cash back* rewards on eligible spending.
You can also earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. There is a $0 intro annual fee for the first year, then $95. An annual credit for the Disney streaming bundle is also included with this offer (enrollment required).
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Grocery rewards: Earn 5% cash back (up to $500 if groceries is your top spending category each billing cycle)
Rewards rate details:
This Citi Custom Cash® Card can make sense if you spend a lot on groceries but also change your top spending categories frequently.
The card automatically applies its elevated cash back rate to your highest spending category each billing cycle, unlike other cards that require you to manually enroll in bonus spending categories. So even if you don’t spend the most on groceries every month, you can still earn more cash back in other categories such as restaurants, gas stations, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.
New cardmembers can also 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. The card comes with an intro APR offer for purchases and balance transfers.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Grocery rewards: Earn 3X points on online grocery purchases
Rewards rate details:
The Chase Sapphire Preferred® Card is one of the top travel credit cards available today, yet it offers bonus rewards in a range of unique categories including travel through Chase as well as other travel, dining, online grocery purchases (excluding Target, Walmart and wholesale clubs) and select streaming services. The online grocery purchases category can be useful for consumers who order their household groceries online for delivery or pickup, especially as there are no caps on spending or bonus rewards.
The card offers a generous sign-up bonus: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Also note that Chase Ultimate Rewards® points can be redeemed for cash back, gift cards, merchandise or up to 75% more on travel through Chase. Points also transfer 1:1 to a range of different airline and hotel partners.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Grocery rewards: Earn 3% cash back (on up to $6,000 per year on U.S. supermarket spending)*
Rewards rate details:
With the Blue Cash Everyday® Card from American Express, you’ll pay a $0 annual fee and earn a solid cash back* rate on up to $6,000 spent at U.S. supermarkets per year. The supermarket category includes stores that offer a wide variety of food and household products. Meanwhile, you can earn the same elevated rewards rate for U.S. online retail purchases, and for up to $6,000 spent at U.S. gas stations each year.
This card also has a generous welcome offer and an intro APR that applies to both purchases and balance transfers. Annual credits for eligible Disney streaming bundle and Home Chef meal kit purchases also apply (enrollment required).
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Grocery rewards: Earn 4x points (on up to $25,000 in purchases per year at U.S. supermarkets)
Rewards rate details:
The American Express® Gold Card is ideal if you spend a lot at U.S. supermarkets each year, and on dining in general. But because the card has a $325 annual fee, it’s best if you spend enough at U.S. supermarkets and restaurants worldwide each year to justify the cost. You should also note the other benefits that help make up for the annual fee, including a dining credit worth up to $120 per year (up to $10 monthly, enrollment required).
If you maximize your earning potential at U.S. supermarkets by spending $25,000 on those purchases each year, you’ll net 100,000 Membership Rewards points, which are worth $1,000 in airfare booked through the American Express travel portal.
Note that rewards earned with this card are incredibly flexible but best used for travel. These points can be redeemed for statement credits, gift cards, merchandise, travel through AmexTravel.com or point transfer to Amex airline and hotel partners.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Grocery rewards: 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)
Rewards rate details:
The Capital One Savor Cash Rewards Credit Card is a good choice for people who want to earn a high cash back rewards rate on dining and entertainment, as well as groceries. Unfortunately, Target and Walmart are excluded from that high cash back rate — but the card is still valuable for frequent grocery shoppers.
The card has a $0 annual fee and lets you earn $200 cash back after you spend $500 on purchases within 3 months from account opening. Cardholders can also qualify for an intro APR offer that applies to purchases and balance transfers (a balance transfer fee applies).
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Grocery rewards: Earn 5% back at Whole Foods and Amazon Fresh (with eligible Prime membership)
Rewards rate details:
The Prime Visa has no annual fee and offers a generous cash back rate on grocery purchases at Amazon and Whole Foods. However, the card requires an Amazon Prime membership, which runs $139 per year or $69 a year for college students. Rewards earned with this card are fairly flexible. You can redeem cash back toward Amazon purchases with no minimum amount required for redemption. Other options include transfers to a bank account, gift cards, travel or merchandise.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Grocery rewards: Earn 2% cash back at Costco and Costco.com
Rewards rate details:
If you’re a Costco member, the Costco Anywhere Visa® Card by Citi is an excellent choice — it offers a solid cash back rate on those purchases, as well as on eligible gas and EV charging purchases, restaurants and travel.
Just keep in mind that a Costco membership is required, and that’ll set you back a minimum of $65 per year. You should also know that rewards are given out only once per year, when your February statement closes. Additionally, the rewards certificate you earn can be redeemed only for Costco purchases or cash back at physical Costco stores.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Grocery rewards: 5% cash back on Instacart app and Instacart.com
Rewards rate details:
The Instacart Mastercard® doesn’t charge an annual fee, and it offers a high cash back rate on Instacart purchases. Other categories that earn bonus rewards with this card include travel purchases through Chase, restaurants, gas stations and select streaming services.
The card also offers benefits including purchase protection against damage or theft, World Elite concierge services, extended warranties, baggage delay insurance, lost luggage reimbursement and travel accident insurance.
Users can redeem their rewards for flexible options such as statement credits for Instacart orders, cash back or travel.
A grocery credit card is a type of rewards card that lets you earn an elevated rewards rate on eligible grocery store purchases. Cards in this niche typically offer anywhere from 2% to 6% back on grocery purchases, as well as bonus rewards in other popular spending categories, such as gas and dining.
The amount you can earn at the higher rates is often limited to a specific amount each year.
Depending on the credit card, you may be able to redeem rewards for grocery and gas purchases, cash back, checks, statement credits, travel and more. While some grocery credit cards don’t charge annual fees, there are some merchants — such as Amazon and Costco — that require a membership fee.
The types of purchases that qualify for a higher earning rate on groceries will depend on the rewards credit card you sign up for. For example:
With all this in mind, you’ll want to read over the fine print and terms and conditions for cards you’re considering before you apply. For the most part, though, grocery rewards can be earned on food and household purchases made at eligible standalone stores.
Types of purchases and transactions that typically don’t qualify for elevated rewards on groceries:
As you compare the best grocery store cards, you’ll want to think about where you shop the most and how much you actually spend on food each year. You’ll also want to consider some other factors, such as earning rate and annual fee, before you send in a card application.
Earning rate on grocery purchases
How much you can earn on grocery purchases is the top consideration to keep in mind when picking the best grocery credit card. Ideally, you’ll select a card that offers the highest possible rewards rate on groceries and other food spending, but at the type of stores you frequent most often. That may include U.S. supermarkets only, or perhaps you do the bulk of your grocery shopping through Instacart. Whatever type of grocery spending is more common for you, make sure you know and understand any spending or rewards caps that apply to grocery purchases.
Earning rate on other purchases
You should also remember to look over the other earning categories each card offers, particularly if you want to use just one cash back credit card for all your spending. While earning bonus rewards at grocery stores is always nice, the best credit card for groceries may also offer bonus points at restaurants or gas stations, or on select streaming services. Even if you don’t spend a lot on your credit card each month, the bonus rewards you earn in other categories can still add up over time.
Annual fee
While most top grocery store cards don’t charge an annual fee, some do charge a fee in exchange for a higher rewards rate. Make sure you do the math to know if a card with an annual fee would leave you with a larger rewards haul at the end of the year.
APR on purchases
Some of the best grocery store cards offer 0% APR on purchases, balance transfers or both for a limited time. This makes them a useful tool if you need to consolidate and pay down other debts, or if you want to pay down new purchases interest-free for a while. In either case, to avoid paying interest charges, you’ll want to pay off your balance completely before the intro offer ends.
→ Learn more: What Does 0% APR mean?
Other benefits
Finally, check for other cardholder perks you may be interested in. These could include consumer protections such as purchase protection, extended warranties or travel insurance perks.
The best grocery store cards earn anywhere from 2% to 6% cash back on eligible purchases at supermarkets and grocery stores, as well as rewards on other purchases. However, some of these cards limit the type of stores that qualify for an elevated rewards rate. For example, some offer bonus rewards at U.S. supermarkets only, whereas others offer more cash back on select online grocery purchases but not in-store spending.
If you frequently shop for groceries at superstores such as Walmart or Target, you should know that your card might not categorize such spending as grocery store or supermarket purchases. This means your purchases won’t be eligible for an elevated rate on grocery shopping.
Also be aware that bonus rewards rates may apply only to a certain amount of spending at grocery stores each year. In fact, our top grocery rewards credit card — the Blue Cash Preferred® Card from American Express — earns 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Which categories count as grocery purchases depends on the card you have. If you want to earn an elevated rewards rate on Instacart purchases, for example, you can do so with the Instacart Mastercard® or even the Chase Sapphire Preferred® Card, as it offers a higher rewards rate on online grocery purchases.
Almost all major grocery store brands accept major credit cards American Express, Discover, Mastercard and Visa — but you should still check with your preferred stores for their accepted payment methods before you choose a card.
In some cases, you may find that stores accept only certain types of credit cards for payments. For example, Costco warehouse stores accept only Visa credit cards, along with debit cards, Costco gift cards, cash, eligible mobile wallets and several other options.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Citi Custom Cash® Card, Costco Anywhere Visa® Card by Citi and Instacart Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
