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Best Credit Cards for Groceries​ in 2025

Headshot of Holly JohnsonWritten by
Holly Johnson
Headshot of Rebecca StropoliEdited by
Rebecca Stropoli
Content was accurate at the time of publication.
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Our winner

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

Blue Cash Preferred® Card from American Express

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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.

Key takeaways

  • 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.

Winner: Best credit card for groceries (and gas)

Blue Cash Preferred® Card from American Express

Blue Cash Preferred<sup>®</sup> Card from American Express Blue Cash Preferred<sup>®</sup> Card from American Express
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4.6
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Grocery rewards: Earn 6% cash back* (on up to $6,000 per year at U.S. supermarkets)

Rewards rate details:

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

Annual Fee$0 intro annual fee for the first year, then $95.
Welcome Offer$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.
Regular Purchase APR20.24%-29.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • 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 with a fixed fee. 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% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
  • 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.
  • 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.

Best for 5% cash back

Citi Custom Cash® Card*

Citi Custom Cash<sup>®</sup> Card Citi Custom Cash<sup>®</sup> Card
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4.4
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Grocery rewards: Earn 5% cash back (up to $500 if groceries is your top spending category each billing cycle)

Rewards rate details:

  • 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.
  • 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

Annual Fee$0
Welcome Offer$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.
Regular Purchase APR18.24% - 28.24% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • 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 18.24% - 28.24%, 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.
*The information related to the Citi Custom Cash® 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 Chase card for groceries

Chase Sapphire Preferred® Card

Chase Sapphire Preferred<sup>®</sup> Card Chase Sapphire Preferred<sup>®</sup> Card
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4.7
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Rates & Fees

Grocery rewards: Earn 3X points on online grocery purchases

Rewards rate details:

  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠
  • Earn 3x on dining, select streaming services and online groceries
  • Earn 2x on all other travel purchases
  • Earn 1x on all other purchases

Annual Fee$95
Welcome Offer75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Regular Purchase APR19.99% - 28.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Earns bonus rewards in numerous categories
  • Huge welcome offer
  • Flexible, transferable rewards
  • Rewards worth up to 75% 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 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.

  • Earn 75,000 bonus points after you spend $5,000 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
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC

BEST GROCERY CREDIT CARD WITH NO ANNUAL FEE

Blue Cash Everyday® Card from American Express

Blue Cash Everyday<sup>®</sup> Card from American Express Blue Cash Everyday<sup>®</sup> Card from American Express
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4.4
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Grocery rewards: Earn 3% cash back (on up to $6,000 per year on U.S. supermarket spending)*

Rewards rate details:

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

Annual Fee$0
Welcome Offer$200 statement credit
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 
Regular Purchase APR20.24%-29.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • 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, 20.24% to 29.24% 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.
  • 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.

BEST GROCERY CARD FOR LARGE GROCERY PURCHASES

American Express® Gold Card

American Express<sup>®</sup> Gold Card American Express<sup>®</sup> Gold Card
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4.3
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Grocery rewards: Earn 4x points (on up to $25,000 in purchases per year at U.S. supermarkets)

Rewards rate details:

  • 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.
  • Terms apply. 

Annual Fee$325
Welcome OfferAs 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.
Regular Purchase APRSee Pay Over Time APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • 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 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.

  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • 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 get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
  • $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. Enrollment is required to receive this benefit.
  • $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.
  • Terms Apply.

Best credit card for dining and groceries

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card Capital One Savor Cash Rewards Credit Card
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4.6
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Rates & Fees

Grocery rewards: 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)

Rewards rate details:

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

Annual Fee$0
Welcome Offer$200 Cash Back
$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Regular Purchase APR19.24% - 29.24% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Intro APR offer
  • High rewards on dining and entertainment in addition to groceries
  • Easy-to-earn sign-up bonus
  • Foreign transaction fee: None
  • 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; 19.24% - 29.24% 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

Prime Visa Prime Visa
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4.2
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Grocery rewards: Earn 5% back at Whole Foods and Amazon Fresh (with eligible Prime membership)

Rewards rate details:

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

Annual Fee$0
Welcome Offer$250 Amazon gift card
Limited-Time Offer: Get a $250 Amazon Gift Card instantly upon approval exclusively for Prime members through 7/14
Regular Purchase APR19.49% - 28.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • 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.

  • Limited-Time Offer: Get a $250 Amazon Gift Card instantly upon approval exclusively for Prime members through 7/14
  • Best Amazon Gift Card offer ever for Prime Visa
  • 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*

Costco Anywhere Visa<sup>®</sup> Card by Citi Costco Anywhere Visa<sup>®</sup> Card by Citi
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2.2
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Grocery rewards: Earn 2% cash back at Costco and Costco.com

Rewards rate details:

  • Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • Earn 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • Earn 2% cash back on all other purchases from Costco and Costco.com
  • Earn 1% cash back on all other purchases

Annual Fee$0
Welcome OfferN/A
Regular Purchase APR19.49% - 27.49% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • 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 $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.

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 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®*

Instacart Mastercard® Instacart Mastercard®
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3.7
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Grocery rewards: 5% cash back on Instacart app and Instacart.com

Rewards rate details:

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

Annual Fee$0
Welcome Offer$50 Instacart statement credit
Get a $50 Instacart credit automatically upon approval.
Regular Purchase APR18.99% - 28.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • 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.
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

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.

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