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January 1, 2023
*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated January 1, 2023 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
This card offers one of the highest cash back rates on U.S. supermarket purchases, earns cash back on other useful categories such as U.S. gas stations and transit as well and comes with a valuable welcome offer.
If you have a large family to feed or simply prefer to cook at home, you most likely spend a large amount on groceries each month. By using the right credit card, you can earn cash back or points on those purchases — which can help offset your monthly grocery bill.
When choosing a grocery credit card, the goal is to earn the highest rewards rate on grocery purchases without paying high annual fees. If the card also lets you earn rewards in other popular spending categories, such as gas, dining out and travel, that’s an added bonus.
Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, these are our top picks for the best grocery rewards credit cards.
The Blue Cash Preferred® Card from American Express is our top overall pick, since it offers one of the highest cash back rates currently available at U.S. supermarkets.
Cardholders 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.
Cash back is earned in the form of Rewards Dollars, which can be redeemed for statement credits.
The Blue Cash Preferred® Card from American Express also lets cardholders earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
To see the rates and fees for Blue Cash Preferred® Card from American Express, please click here.
If you spend a large amount on groceries each month, the Blue Cash Preferred® Card from American Express may be a good fit. Just know that the cash back rate at U.S. supermarkets is limited to the first $6,000 in purchases each year, and once you reach that amount, those purchases will only earn 1% cash back.
That said, if you max out the spend cap, you’ll earn $360 at the end of the year on those purchases alone. However, once you factor in the $0 intro annual fee for the first year, then $95 annual fee, that amount essentially drops to $265.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
The Blue Cash Preferred® Card from American Express is our top overall pick, since it offers one of the highest cash back rates currently available at U.S. supermarkets.
Cardholders 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.
Cash back is earned in the form of Rewards Dollars, which can be redeemed for statement credits.
The Blue Cash Preferred® Card from American Express also lets cardholders earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
To see the rates and fees for Blue Cash Preferred® Card from American Express, please click here.
If you spend a large amount on groceries each month, the Blue Cash Preferred® Card from American Express may be a good fit. Just know that the cash back rate at U.S. supermarkets is limited to the first $6,000 in purchases each year, and once you reach that amount, those purchases will only earn 1% cash back.
That said, if you max out the spend cap, you’ll earn $360 at the end of the year on those purchases alone. However, once you factor in the $0 intro annual fee for the first year, then $95 annual fee, that amount essentially drops to $265.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
The Discover it® Cash Back card offers a generous cash back rate in popular spending categories — such as groceries — that rotate quarterly.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
Here is Discover’s 5% cash back calendar for 2023:
In addition, for new card members only, there’s Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. For example, if you make $1,500 in purchases in the 5% bonus category each quarter, you’ll earn $300 cash back in one year. Once you factor in the cash back match sign-up bonus, that amount will jump to $600 in the first year of card membership.
You can redeem your cash back rewards as direct deposits, statement credits, gift cards, instant e-certificates or charitable donations. You can also use cash back to pay for merchandise at Amazon.com and Paypal.
The Discover it® Cash Back lets you earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically This is a great rate for people who want to maximize their spending in bonus categories. Remember to activate the bonus categories each quarter so you don’t miss out on the higher rate.
The Discover it® Cash Back is also a good option for people who want a balance transfer card that offers rewards. The 0% Intro APR for 15 months on balance transfers lets you transfer high-interest credit card debt to your Discover it® Cash Back without incurring interest charges for more than a year, after which a 16.24% - 27.24% Variable APR applies. In addition, the 0% Intro APR for 15 months on purchases lets you pay off a large purchase over time without being charged interest, then a 16.24% - 27.24% Variable APR applies.
The Discover it® Cash Back card offers a generous cash back rate in popular spending categories — such as groceries — that rotate quarterly.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
Here is Discover’s 5% cash back calendar for 2023:
In addition, for new card members only, there’s Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. For example, if you make $1,500 in purchases in the 5% bonus category each quarter, you’ll earn $300 cash back in one year. Once you factor in the cash back match sign-up bonus, that amount will jump to $600 in the first year of card membership.
You can redeem your cash back rewards as direct deposits, statement credits, gift cards, instant e-certificates or charitable donations. You can also use cash back to pay for merchandise at Amazon.com and Paypal.
The Discover it® Cash Back lets you earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically This is a great rate for people who want to maximize their spending in bonus categories. Remember to activate the bonus categories each quarter so you don’t miss out on the higher rate.
The Discover it® Cash Back is also a good option for people who want a balance transfer card that offers rewards. The 0% Intro APR for 15 months on balance transfers lets you transfer high-interest credit card debt to your Discover it® Cash Back without incurring interest charges for more than a year, after which a 16.24% - 27.24% Variable APR applies. In addition, the 0% Intro APR for 15 months on purchases lets you pay off a large purchase over time without being charged interest, then a 16.24% - 27.24% Variable APR applies.
Citi is an advertising partner.
The Citi Custom Cash℠ Card offers an elevated cash back rate on your highest eligible spending category each month, including grocery stores.
You can 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.
If you max out your 5% cash back on grocery stores each month, you’ll earn $25. If you do that each month for a year, you’ll earn $300 in cash back rewards.
This card also has a sign-up bonus: 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.
With the Citi Custom Cash℠ Card sign-up bonus and maxed out rewards rate, you can earn at least $500 in cash back your first year.
Plus, there’s a $0 annual fee, so you can keep your total earnings.
This card is best for people who spend a lot on groceries, but also see their top spending categories change frequently.
Unlike cards like the Discover it® Cash Back that requires you to activate bonus categories every quarter, the Citi Custom Cash℠ Card automatically applies its elevated cash back rate to your highest spending category.
So even if it isn’t groceries one month, you can still earn more cash back on other categories, which include:
This card also makes a solid choice for balance transfers. You’ll have a 0% intro APR for 15 months on balance transfers, and after that it goes to a 18.24% - 28.24% (Variable) APR. The balance transfer fee is 5% of each balance transfer; $5 minimum.
Citi is an advertising partner.
The Citi Custom Cash℠ Card offers an elevated cash back rate on your highest eligible spending category each month, including grocery stores.
You can 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.
If you max out your 5% cash back on grocery stores each month, you’ll earn $25. If you do that each month for a year, you’ll earn $300 in cash back rewards.
This card also has a sign-up bonus: 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.
With the Citi Custom Cash℠ Card sign-up bonus and maxed out rewards rate, you can earn at least $500 in cash back your first year.
Plus, there’s a $0 annual fee, so you can keep your total earnings.
This card is best for people who spend a lot on groceries, but also see their top spending categories change frequently.
Unlike cards like the Discover it® Cash Back that requires you to activate bonus categories every quarter, the Citi Custom Cash℠ Card automatically applies its elevated cash back rate to your highest spending category.
So even if it isn’t groceries one month, you can still earn more cash back on other categories, which include:
This card also makes a solid choice for balance transfers. You’ll have a 0% intro APR for 15 months on balance transfers, and after that it goes to a 18.24% - 28.24% (Variable) APR. The balance transfer fee is 5% of each balance transfer; $5 minimum.
For those who want to earn cash back at U.S. supermarkets without paying an annual fee, the Blue Cash Everyday® Card from American Express could be a good fit.
Cardholders earn 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.
In addition, the $0 annual fee card lets members earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Cash back, which is earned in the form of Rewards Dollars, can be redeemed for statement credits.
The Blue Cash Everyday® Card from American Express comes with an intro APR of 0% on purchases for 15 months on purchases, then a 18.49%-29.49% variable APR will apply.
To see the rates and fees for Blue Cash Everyday® Card from American Express, please click here.
In addition to offering a generous cash back rate on grocery purchases, the Blue Cash Everyday® Card from American Express also has a decent cash back rate for gas and U.S. department store purchases.
The supermarket category includes supermarkets located within the U.S. that offer a wide variety of food and household products, such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. Note, however, that superstores, convenience stores, warehouse clubs and specialty stores do not qualify for this category.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
For those who want to earn cash back at U.S. supermarkets without paying an annual fee, the Blue Cash Everyday® Card from American Express could be a good fit.
Cardholders earn 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.
In addition, the $0 annual fee card lets members earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Cash back, which is earned in the form of Rewards Dollars, can be redeemed for statement credits.
The Blue Cash Everyday® Card from American Express comes with an intro APR of 0% on purchases for 15 months on purchases, then a 18.49%-29.49% variable APR will apply.
To see the rates and fees for Blue Cash Everyday® Card from American Express, please click here.
In addition to offering a generous cash back rate on grocery purchases, the Blue Cash Everyday® Card from American Express also has a decent cash back rate for gas and U.S. department store purchases.
The supermarket category includes supermarkets located within the U.S. that offer a wide variety of food and household products, such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. Note, however, that superstores, convenience stores, warehouse clubs and specialty stores do not qualify for this category.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
If you regularly buy groceries from Whole Foods or Amazon, you should look at the Amazon Prime Rewards Visa Signature Card. Cardholders earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants and gas stations and 1% back on all other purchases.
You can redeem rewards for Amazon purchases, gift cards, statement credits, direct deposits and more.
Along with rewards on every purchase, Amazon Prime Rewards Visa Signature Card holders get a $100 Amazon Gift Card instantly upon approval.
Although the Amazon Prime Rewards Visa Signature Card comes with a $0 annual fee, it does require Amazon Prime membership — which runs $139 per year or $69 a year for college students.
How much do you need to spend to recoup the cost of Prime? As long as you’re earning 5% cash back, spending $2,780 will earn you $139 in rewards. To recoup the lower cost of Prime Student, spending $1,380 on eligible purchases will get you there.
One of the best things about earning rewards with this card issued by Chase — besides the generous rate — is that there’s no limit to how much you can earn. There are cash back cards offering competitive rates on various spending categories, but there is often a cap before the cash back drops to a lower rate. Plus, you can use the card anywhere Visa is accepted.
You can redeem rewards toward Amazon purchases with no minimum amount required for redemption. Or you can redeem your rewards for cash — starting at 2,000 points, which is equal to $20 — as a statement credit or a bank account deposit.
If you regularly buy groceries from Whole Foods or Amazon, you should look at the Amazon Prime Rewards Visa Signature Card. Cardholders earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants and gas stations and 1% back on all other purchases.
You can redeem rewards for Amazon purchases, gift cards, statement credits, direct deposits and more.
Along with rewards on every purchase, Amazon Prime Rewards Visa Signature Card holders get a $100 Amazon Gift Card instantly upon approval.
Although the Amazon Prime Rewards Visa Signature Card comes with a $0 annual fee, it does require Amazon Prime membership — which runs $139 per year or $69 a year for college students.
How much do you need to spend to recoup the cost of Prime? As long as you’re earning 5% cash back, spending $2,780 will earn you $139 in rewards. To recoup the lower cost of Prime Student, spending $1,380 on eligible purchases will get you there.
One of the best things about earning rewards with this card issued by Chase — besides the generous rate — is that there’s no limit to how much you can earn. There are cash back cards offering competitive rates on various spending categories, but there is often a cap before the cash back drops to a lower rate. Plus, you can use the card anywhere Visa is accepted.
You can redeem rewards toward Amazon purchases with no minimum amount required for redemption. Or you can redeem your rewards for cash — starting at 2,000 points, which is equal to $20 — as a statement credit or a bank account deposit.
If you prefer purchasing food and other household items in bulk from Costco, the Costco Anywhere Visa® Card by Citi would be a smart choice. Cardholders earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.
The Costco Anywhere Visa® Card by Citi comes with a $0 annual fee — keep in mind, however, that you’ll be responsible for paying an annual Costco membership fee of $60 (for the Gold Star membership) or $120 (for Executive membership).
Your rewards can only be redeemed for merchandise or cash back at Costco warehouses located in the U.S. (including Puerto Rico); note that they are only distributed once per year (after your February billing statement closes), and must be redeemed by Dec. 31 of the year in which they were issued.
While the Costco Anywhere Visa® Card by Citi offers solid rewards for Costco and Costco.com purchases, where it also shines is its generous cashback rate for gas purchases. It also offers a competitive cashback rate for dining and travel, making it a very well-rounded card.
Be aware that certain gas purchases are considered nonqualifying purchases and will only earn 1% cash back instead of 4%, according to the card’s terms and conditions — this includes gas purchased at superstores, supermarkets, convenience stores, warehouse clubs other than Costco, and fuel used for nonautomobile purchases.
The Costco Anywhere Visa® Card by Citi also serves as your Costco membership ID.
Note that rewards will be forfeited if you cancel your credit card or end your Costco membership. Compared with other cards that let you redeem rewards throughout the year, this might be a turn-off to potential cardholders.
If you prefer purchasing food and other household items in bulk from Costco, the Costco Anywhere Visa® Card by Citi would be a smart choice. Cardholders earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.
The Costco Anywhere Visa® Card by Citi comes with a $0 annual fee — keep in mind, however, that you’ll be responsible for paying an annual Costco membership fee of $60 (for the Gold Star membership) or $120 (for Executive membership).
Your rewards can only be redeemed for merchandise or cash back at Costco warehouses located in the U.S. (including Puerto Rico); note that they are only distributed once per year (after your February billing statement closes), and must be redeemed by Dec. 31 of the year in which they were issued.
While the Costco Anywhere Visa® Card by Citi offers solid rewards for Costco and Costco.com purchases, where it also shines is its generous cashback rate for gas purchases. It also offers a competitive cashback rate for dining and travel, making it a very well-rounded card.
Be aware that certain gas purchases are considered nonqualifying purchases and will only earn 1% cash back instead of 4%, according to the card’s terms and conditions — this includes gas purchased at superstores, supermarkets, convenience stores, warehouse clubs other than Costco, and fuel used for nonautomobile purchases.
The Costco Anywhere Visa® Card by Citi also serves as your Costco membership ID.
Note that rewards will be forfeited if you cancel your credit card or end your Costco membership. Compared with other cards that let you redeem rewards throughout the year, this might be a turn-off to potential cardholders.
The Instacart Mastercard® helps you earn cash back on your Instacart purchases.
You can earn 5% cash back on Instacart app and Instacart.com purchases, and on travel purchased through the Chase Travel Center. Earn 2% cash back at restaurants, gas stations and on select streaming services. Earn 1% cash back on all other purchases.
The card also comes with a sign-up bonus that’s valuable for Instacart fanatics: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
With a $0 annual fee, this is a great addition to any Instacart user’s wallet.
This card is best for people who regularly use Instacart to get their groceries delivered — but it’s probably not the best card to use for other purposes, like dining or travel.
Although it offers a high cash back rate on travel, it doesn’t offer any travel insurances or other protections. It also offers a decent cash back on restaurants, but other dining credit cards offer higher cash back rates in that category.
The Instacart Mastercard® helps you earn cash back on your Instacart purchases.
You can earn 5% cash back on Instacart app and Instacart.com purchases, and on travel purchased through the Chase Travel Center. Earn 2% cash back at restaurants, gas stations and on select streaming services. Earn 1% cash back on all other purchases.
The card also comes with a sign-up bonus that’s valuable for Instacart fanatics: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
With a $0 annual fee, this is a great addition to any Instacart user’s wallet.
This card is best for people who regularly use Instacart to get their groceries delivered — but it’s probably not the best card to use for other purposes, like dining or travel.
Although it offers a high cash back rate on travel, it doesn’t offer any travel insurances or other protections. It also offers a decent cash back on restaurants, but other dining credit cards offer higher cash back rates in that category.
| Credit Card | Welcome Offer | Rewards Rate | Annual Fee | Intro Purchase APR | Regular APR | Intro Balance Transfer Rate | Regular Balance Transfer Rate | Balance Transfer Fee | Foreign Exchange Fee | Recommended Credit | Card Review |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Blue Cash Preferred® Card from American Express
|
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. | 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. | $0 intro annual fee for the first year, then $95 | 0% on purchases for 12 months | 18.49%-29.49% Variable | 0% on balance transfers for 12 months | 18.49%-29.49% Variable | Either $5 or 3% of the amount of each transfer, whichever is greater. | N/A | Excellent/Good | Blue Cash Preferred® Card from American Express Review |
|
Discover it® Cash Back
|
Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. | 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically | $0 | 0% Intro APR for 15 months | 16.24% - 27.24% Variable APR | 0% Intro APR for 15 months | 16.24% - 27.24% Variable APR | 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* | N/A | Excellent/Good | Discover it® Cash Back Review |
|
Citi Custom Cash℠ Card
|
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. | $0 | 0% intro APR for 15 months on purchases | 18.24% - 28.24% (Variable) | 0% intro APR for 15 months on balance transfers | 18.24% - 28.24% (Variable) | 5% of each balance transfer; $5 minimum. | N/A | Excellent/Good | Citi Custom Cash℠ Card Review |
|
Blue Cash Everyday® Card from American Express
|
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. | $0 | 0% on purchases for 15 months | 18.49%-29.49% Variable | 0% on balance transfers for 15 months | 18.49%-29.49% Variable | Either $5 or 3% of the amount of each transfer, whichever is greater. | N/A | Excellent/Good | Blue Cash Everyday® Card from American Express Review |
|
Amazon Prime Rewards Visa Signature Card
|
Get a $100 Amazon Gift Card instantly upon approval. | 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants and gas stations and 1% back on all other purchases. | $0 | N/A | 17.99% to 25.99% variable | N/A | 17.99% to 25.99% variable | N/A | N/A | N/A | Amazon Prime Rewards Visa Signature Card Review |
|
Costco Anywhere Visa® Card by Citi
|
N/A | 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases | $0 | N/A | 19.49% (Variable) | N/A | 19.49% (Variable) | Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum | N/A | Excellent | Costco Anywhere Visa® Card by Citi Review |
|
Instacart Mastercard®
|
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, and on travel purchased through the Chase Travel Center. Earn 2% cash back at restaurants, gas stations and on select streaming services. Earn 1% cash back on all other purchases. | $0 | N/A | 19.24% - 27.99% Variable | N/A | 19.24% - 27.99% Variable | Either $5 or 5% of the amount of each transfer, whichever is greater. | N/A | Excellent/Good | Instacart Mastercard® Review |
While each of the cards in this post allow you to earn rewards on grocery purchases, the right one for you comes down to where you spend the most. For example, if you want to earn the highest amount of cash back on U.S. supermarket purchases, the Blue Cash Preferred® Card from American Express could be the best choice. But if you frequently buy groceries and gas from Costco, the Costco Anywhere Visa® Card by Citi may be a better fit, or if you’re a Whole Foods enthusiast, it may be worth trying out the Amazon Prime Rewards Visa Signature Card.
To see the rates and fees for Blue Cash Preferred® Card from American Express, please click here.
To see the rates and fees for Blue Cash Everyday® Card from American Express, please click here.
While your earning rate will vary depending on your specific credit card and the stores where you do your grocery shopping, the credit cards on this list offer from 2% to 6% cash back on eligible purchases.
If you often buy groceries at superstores such as Walmart or Target, you should know your card might not categorize such spending as grocery store or supermarket purchases, and thus your purchases won’t be eligible for an elevated rate on grocery shopping.
Whether or not Instacart shopping and similar purchases qualify for earning an elevated rate on grocery shopping will depend on your issuer. To be sure, contact customer service by calling the number on the back of your credit card.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
