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Best Credit Cards for Groceries in 2024

Updated on:

We receive commissions from our advertising partners. These commissions do not influence our recommendations. Click here to learn more.

Blue Cash Preferred<sup>®</sup> Card from American Express

Blue Cash Preferred^® Card from American Express

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.

The best credit cards for groceries earn up to 6% cash back at supermarkets, plus valuable rewards in a range of other everyday categories.
Many cards in this niche have generous welcome offers worth $200 or more, which members can earn by meeting a minimum spending requirement.
To find the best grocery credit card for your needs, you’ll want to compare options based on their rewards rates, included benefits and annual fees.

9 best grocery credit cards

(Winner) best credit card for groceries overall: Blue Cash Preferred^® Card from American Express
Best 5% cash back card for groceries: Citi Custom Cash^® Card
Best Chase grocery card: Chase Sapphire Preferred^® Card
Best credit card for groceries with no annual fee: Blue Cash Everyday^® Card from American Express (see rates & fees)
Best grocery card for large purchases: American Express^® Gold Card
Best credit card for dining and groceries: Capital One Savor Cash Rewards Credit Card
Best grocery credit card for Whole Foods and Amazon: Prime Visa
Best grocery credit card for Costco: Costco Anywhere Visa^® Card by Citi
Best credit card for Instacart shoppers: Instacart Mastercard®

Find your perfect card in 30 seconds. Check your approval odds so you can shop smarter.

Winner: Best credit card for groceries (and gas)

Blue Cash Preferred^® Card from American Express*

LendingTree's Review

4.6

LendingTree's Review

4.6

Learn More

Grocery rewards: 6% cash back* (on up to $6,000 per year at U.S. supermarkets)

Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.

Exceptional rewards rate at U.S. supermarkets
Great rate on select U.S. subscriptions and at U.S. gas stations, as well as for transit
Welcome offer
Intro APR on purchases and balance transfers

Bonus rewards at U.S. supermarkets capped at the first $6,000 in spending per year
Annual fee applies after the first year
Foreign transaction fees apply

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).

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

*The information related to the Blue Cash Preferred^® Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for 5% cash back

Citi Custom Cash^® Card

LendingTree's Review

4.4

LendingTree's Review

4.4

Apply Now

on Citibank's secure site

Rates & Fees

Grocery rewards: 5% (up to $500 if groceries is your top spending category each billing cycle)

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. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.

Elevated cash back rate in your top category each billing cycle
Intro APR on purchases and balance transfers
$0 annual fee

Elevated earning rate only applies to $500 in spending per billing cycle
Other spending earns just 1% back
Mediocre benefits
Foreign transaction fees apply

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.

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.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
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. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash® Card account per person.

Best Chase card for groceries

Chase Sapphire Preferred^® Card

LendingTree's Review

4.7

Chase Sapphire Preferred<sup>®</sup> Card

LendingTree's Review

4.7

Apply Now

on Chase's secure site

Grocery rewards: 3X points on online grocery purchases

Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Earns bonus rewards in numerous categories
Huge welcome offer
Flexible, transferable rewards
Rewards worth 25% more when redeemed for travel through Chase
No foreign transaction fees

$95 annual fee
High APR applies
Bonus rewards are for online grocery purchases only (excluding Target, Walmart and wholesale clubs)

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 welcome offer: Earn 60,000 bonus points after you spend $4,000 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 25% more travel through Chase. Points also transfer 1:1 to a range of different airline and hotel partners.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
Member FDIC

BEST GROCERY CREDIT CARD WITH NO ANNUAL FEE

Blue Cash Everyday^® Card from American Express*

LendingTree's Review

4.4

Blue Cash Everyday<sup>®</sup> Card from American Express

LendingTree's Review

4.4

Learn More

on American Express's secure site

Grocery rewards: 3% (on up to $6,000 per year on U.S. supermarket spending)*

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.

Rewards at U.S. supermarkets and U.S. gas stations, plus online shopping at U.S. retailers
Intro APR on purchases and balance transfers
Welcome offer
$0 annual fee

Bonus rewards have spending caps
Mediocre benefits
Foreign transaction fees apply

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).

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, 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.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

*The information related to the Blue Cash Everyday^® Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

BEST GROCERY CARD FOR LARGE GROCERY PURCHASES

American Express^® Gold Card*

LendingTree's Review

4.3

LendingTree's Review

4.3

Learn More

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

Earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per calendar year in purchases, then 1X), Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point on all other eligible purchases. Terms Apply

Lucrative rewards on U.S. supermarket spending and dining worldwide
Elevated rewards rate on airfare booked with airlines or AmexTravel.com
Earns American Express Membership Rewards points
Comes with generous welcome offer
No foreign transaction fees

$325 annual fee applies
Annual credits can be difficult to maximize
Can’t carry a balance on some purchases

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 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) and up to $120 per year in Uber Cash for U.S. eats and rides (given out in monthly increments of $10, 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.

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

*The information related to the American Express^® Gold Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card for dining and groceries

Capital One Savor Cash Rewards Credit Card

LendingTree's Review

4.6

Capital One Savor Cash Rewards Credit Card

LendingTree's Review

4.6

Apply Now

on Capital One's secure site

Rates & Fees

Grocery rewards: 3%

3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases

$0 annual fee
Intro APR offer
High rewards on dining and entertainment in addition to groceries
Easy-to-earn sign-up bonus
No foreign transaction fees

Excludes Walmart and Target from grocery category
Geared for cardholders with good / excellent credit

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).

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
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
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
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

BEST GROCERY CREDIT CARD FOR WHOLE FOODS AND AMAZON

Prime Visa

LendingTree's Review

4.2

LendingTree's Review

4.2

Apply Now

on Chase's secure site

Grocery rewards: 5% at Whole Foods and Amazon Fresh (with eligible Prime membership)

Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases

Very generous cash back rewards on Amazon.com, Amazon Fresh and Whole Foods Market purchases
$0 annual fee
Rewards are flexible
No foreign transaction fees

Amazon Prime membership required
Earns only 1% back on spending beyond the special categories

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.

Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
Earn unlimited 1% back on all other purchases
No annual credit card fee
No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
Member FDIC

Best credit card for Costco groceries

Costco Anywhere Visa^® Card by Citi*

LendingTree's Review

2.2

Costco Anywhere Visa<sup>®</sup> Card by Citi

LendingTree's Review

2.2

Learn More

Grocery rewards: 2% at Costco and Costco.com

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases.

Earns cash back on Costco purchases
Also racks up generous rewards on gas, EV charging, restaurants and eligible travel
$0 annual fee

Costco membership required
No welcome offer
Rewards are given out only once per year
Rewards are good only for Costco merchandise or cash back

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 $60 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.

Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

*The information related to the Costco Anywhere Visa^® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card for Instacart shoppers

Instacart Mastercard®*

LendingTree's Review

3.7

LendingTree's Review

3.7

Learn More

Grocery rewards: 5%

Earn 5% cash back on Instacart app, Instacart.com and Chase Travel purchases, 2% cash back at restaurants, gas stations and on select streaming services and 1% cash back on all other purchases.

Earns bonus cash back on grocery purchases made through Instacart
$0 annual fee
Offers a variety of benefits and protections
Rewards can be redeemed for Instacart purchases, cash back or travel

Doesn’t earn bonus rewards on grocery purchases made outside of Instacart
Earns only 1% back on non-bonus spending
No intro APR

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.

Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
Earn 5% cash back on Instacart app and Instacart.com purchases
Earn 5% cash back on Chase Travel℠ purchases, including flights, hotels, and more
Earn 2% cash back at restaurants, gas stations and on select streaming services
Earn 1% cash back on all other purchases
No annual card fee

*The information related to the Instacart Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Compare grocery credit cards

Credit Cards	Our Ratings	Welcome Offer	Rewards Rate	Regular APR
Blue Cash Preferred^® Card from American Express* Learn More	4.6 Winner	Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.	Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.	18.49%-29.49% Variable	Learn More
Citi Custom Cash^® Card Apply Now on Citibank's secure site Rates & Fees	4.4 5% 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.	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. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.	18.49% - 28.49% (Variable)	Apply Now on Citibank's secure site Rates & Fees
Chase Sapphire Preferred^® Card Apply Now on Chase's secure site	4.7 Best Chase card for groceries	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	20.74% - 27.74% Variable	Apply Now on Chase's secure site
Blue Cash Everyday^® Card from American Express* Learn More on American Express's secure site	4.4 No annual fee	Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.	3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.	18.49%-29.49% Variable	Learn More on American Express's secure site
American Express^® Gold Card* Learn More	4.3 Large grocery purchases	Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.	Earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per calendar year in purchases, then 1X), Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point on all other eligible purchases. Terms Apply	See Pay Over Time APR	Learn More
Capital One Savor Cash Rewards Credit Card Apply Now on Capital One's secure site Rates & Fees	4.6 Groceries and dining	$200 Cash Back after you spend $500 on purchases within 3 months from account opening	3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases	19.49% - 29.49% (Variable)	Apply Now on Capital One's secure site Rates & Fees
Prime Visa Apply Now on Chase's secure site	4.2 Whole Foods and Amazon	Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members	Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases	19.74% – 28.49% Variable	Apply Now on Chase's secure site
Costco Anywhere Visa^® Card by Citi* Learn More	2.2 Costco	N/A	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases.	19.74% - 27.74% (Variable)	Learn More
Instacart Mastercard®* Learn More	3.7 Instacart shoppers	Get a $50 Instacart credit automatically upon approval.	Earn 5% cash back on Instacart app, Instacart.com and Chase Travel purchases, 2% cash back at restaurants, gas stations and on select streaming services and 1% cash back on all other purchases.	19.74% - 28.49% Variable	Learn More

*The information for the Blue Cash Preferred^® Card from American Express, Blue Cash Everyday^® Card from American Express, American Express^® Gold Card, Costco Anywhere Visa^® Card by Citi and Instacart Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

Methodology

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:

Cash back rates: We looked for cards likely to save you the most on groceries.
Redemption options: How easy are the rewards to redeem, and how valuable are the redemption options?
Annual fee: If the card charges an annual fee, do the rewards outweigh it?
Sign-up bonuses: Does the card offer a large sign-up bonus?
Introductory and regular APRs: Does the card offer a 0% intro APR to help finance a big purchase or pay off a transferred balance? Is its regular APR reasonable?

Useful benefits, such as cellphone protection and extended warranty protection, influenced our choices as well.

What is a grocery credit card?

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.

Example: The Blue Cash Preferred^® Card from American Express lets you earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.*

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.

Grocery rewards card pros and cons

Offer elevated rewards rate on grocery purchases
May also offer bonus rewards in everyday spending categories, such as dining and gas
Many cards offer sign-up bonuses or welcome offers
Many grocery cards come with no annual fee
May offer an intro APR on purchases and balance transfers

May limit what types of purchases qualify as eligible grocery purchases
Many offer only 1% back on general spending
Grocery credit cards typically don’t have many consumer protections or travel perks
Some grocery rewards cards cap your earning potential on bonus rewards
Often require good or excellent credit
Interest rates can be high over the long term

What purchases earn grocery rewards?

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:

American Express credit cards specifically offer grocery rewards on U.S. supermarket purchases, but not on grocery purchases made overseas.
The Instacart Mastercard®, on the other hand, offers grocery rewards only on purchases made through Instacart.
The Costco Anywhere Visa^® Card by Citi lets you earn grocery rewards only on purchases made in Costco warehouse stores or on Costco.com.

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:

Items that are returned
Cash advances
Balance transfers
Travelers checks
Gift cards (in some cases)
Reloading of prepaid cards
Person-to-person transactions
Purchases covered with rewards at the point of sale

How to choose the best credit card for 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.

Frequently asked questions

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.

*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

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 Blue Cash Preferred^® Card from American Express, Blue Cash Everyday^® Card from American Express, American Express^® Gold Card, Costco Anywhere Visa^® Card by Citi and Instacart Mastercard® has been 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.

Holly Johnson

Holly Johnson is a personal finance writer who has been covering credit cards, loan products, debt, and budgeting for nine years. The founder of ClubThrifty.com, Johnson is also the author of “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love,” which is available on Amazon.

11 Best Rewards Credit Cards in December 2024

Best Cash Back Credit Cards in December 2024

Best Credit Cards for Groceries in 2024

Our winner

Blue Cash Preferred^® Card from American Express

Our winner

Blue Cash Preferred^® Card from American Express

Key takeaways

9 best grocery credit cards

Winner: Best credit card for groceries (and gas)

Blue Cash Preferred^® Card from American Express*