Shopping for groceries can be a significant expense for many households. Using a credit card that offers rewards or cashback for grocery purchases can help offset that cost and earn extra rewards.
This article will discuss the top credit cards for grocery shopping, including their rewards programs, fees, and other features to help you find the best card for your needs.
Whether you’re looking for a card with a high cashback rate on grocery purchases, a welcome bonus, or a card with no annual fee, this article will provide you with the information you need to make an informed decision.
Best Overall: American Express® Gold Card (my favorite)
Best No Annual Fee: Citi Custom Cash℠ Card
1. American Express® Gold Card
4x points at U.S. Supermarkets (on up to $25,000 per year , then 1x)
The American Express® Gold Card is one of my favorite cards because it earns:
- 4x Membership Rewards® points at restaurants worldwide, including takeout and delivery in the U.S.,
- 4x Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x).
- 3x points on flights booked directly with airlines or on amextravel.com
Plus, card members get nice credits when you enroll your Gold Card to offset the annual fee:
- $120 Uber Cash: 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.
- $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations.
2. Blue Cash Preferred® Card from American Express
6% Cash Back at U.S. Supermarkets on up to $6,000 Per Year (then 1%)
- Earn a $250 Bonus as a Statement Credit After $3,000 in Eligible Purchases in the First 6 Months
- 6% Cash Back at U.S. Supermarkets (up to $6,000 per year; 1% thereafter) and on Select U.S. Streaming
- 3% Cash Back on Transit, Ridesharing, Parking, and at U.S. Gas Stations
- $0 Intro Annual Fee for the First Year, then $95. (Rates and Fees)
The Blue Cash Preferred® Card from American Express offers an outstanding 6% cash back rewards for purchases at U.S. supermarkets (up to $6,000 per year; 1% thereafter) and on U.S. streaming services, making it perfect for anyone who wants to maximize earnings from everyday expenses.
Plus, the card offers 3% cash back on transit, rideshare, parking, and U.S. gas stations.
The card has a $0 intro annual fee for the first year (then $95 thereafter), but earns 3% cash back at U.S. gas stations and on transit, including rideshare, taxis, buses, trains, and parking.
3. Citi Custom Cash℠ Card
5% cash back in Your Top Eligible Spend Category
- Earn $200 Cash Back After Spending $1,500 in the First Six Months
- 5% Cash Back on Purchases in Your Top Eligible Spend Category Each Billing Cycle up to $500 (1% after that)
- 0% Intro APR for 15 Months on Purchases and Balance Transfers ($5 or 5% fee). After that, a variable APR of 18.24% – 28.24% applies.
- No Annual Fee
The Citi Custom Cash℠ Card is a no-annual-fee card that earns 5% cash back in your top spending category each billing cycle.
Eligible 5% cash back categories include restaurants, gas stations, grocery stores, select travel, home improvement stores, drug stores, select transit, select streaming, fitness clubs, and live entertainment.
This allows you to turn the Custom Cash into your 5% cash back card for gas stations, restaurants, grocery stores, or several other categories.
4. Citi Premier® Card
3x Points at Supermarkets
- Earn 60,000 Points After Spending $4,000 in the First 3 Months
- 3x Points at Restaurants, Supermarkets, Gas Stations, Flights, and Hotels
- $100 Off a Single $500 Hotel Stay Per Year
- Extended Warranty and Purchase Protections
- $95 Annual Fee
The Citi Premier® Card is the best card for earning points because it offers 3x points at restaurants, supermarkets, gas stations, airlines, and hotels.
The Premier card also comes with no foreign transaction fees, purchase protection, and an extended warranty for items purchased, adding an additional 24 months to the manufacturer’s warranty.
5. Capital One SavorOne Cash Rewards Credit Card
Unlimited 3% Cash Back at Grocery Stores
- Earn $200 Bonus Cash after Spending $500 in the First 3 Months
- 8% Cash Back at Vivid Seats
- 3% Cash Back on Dining, Entertainment, Streaming, and Grocery Stores
- No Annual Fee
The Capital One SavorOne is a no-annual-fee card that earns 3% cash back in four popular categories: dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).
The SavorOne also has nice perks such as no foreign transaction fees and extended warranty protection.
6. Chase Sapphire Preferred
3x Points on Online Grocery Purchases (excluding Target, Walmart and Wholesale Clubs)
- Earn 60,000 Ultimate Rewards Bonus Points for Spending $4,000 in the First 3 Months
- 5x Points on Travel Booked Via Chase
- 3x Points on Dining and Eligible Delivery Services
- 3x Points on Select Streaming and Online Grocery (excluding Walmart, Target, and Wholesale Clubs)
- 2x Points on Travel
- 10% Anniversary Points Boost
- Trip Delay and Trip Cancellation Insurance
- Primary Rental Car Insurance
- $95 Annual Fee
The Chase Sapphire Preferred® Card is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses.
For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal and 3x points on dining, online groceries, and streaming services.
The Chase Sapphire Preferred offers a 10% anniversary points bonus, 12-month DoorDash DashPass subscription, and a $50 anniversary hotel statement credit.
Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans.
7. Capital One Venture X Rewards Credit Card
2x Miles on Everyday Purchases
The Capital One Venture X Rewards Credit Card is a premium travel rewards card that’s perfect for travelers who want outstanding travel perks like annual travel credits, worldwide airport lounge access, and travel and purchase protections.
The Venture X earns 2x miles on all purchases helping you maximize every dollar of your spending. Plus, you can earn 10x miles on hotels and rental cars, and 5x miles on flights booked through Capital One.
The card has a $395 annual fee, it is completely offset by an easy-to-use $300 annual travel credit for bookings via Capital One Travel and 10,000 points (worth at least $100) each account anniversary.
Plus you get airport lounge access at Priority Pass, Capital One, and Plaza Premium Lounges, Hertz President’s Circle elite status, Global Entry or TSA PreCheck credit, rental car insurance, trip and luggage insurance, cell phone insurance, and purchase protection.
8. Blue Cash Everyday® Card from American Express
3% Cash-Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- Earn a $200 Statement Credit After Spending $2,000 in the First 6 Months.
- 3% Cash Back at U.S. Supermarkets, U.S. Online Retail Purchases, & U.S. Gas Stations (each on up to $6,000 per year in purchases, 1% thereafter)
- 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.
- No Annual Fee (Rates and Fees)
The Blue Cash Everyday® Card from American Express is good no-annual fee credit card option that earns 3% cash back at U.S. supermarkets, U.S. online retail purchases, & U.S. gas stations (each on up to $6,000 per year in purchases, 1% thereafter).
The Blue Cash also offers $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, including Disney+, Hulu, and ESPN+. (Enrollment required.)
Plus, a $180 annual credit for Home Chef purchases in the form of a monthly $15 statement credit
9. Citi® Double Cash Card - 18 month BT offer
2% Cash Back on All Eligible Purchases
The Citi® Double Cash Card – 18 month BT offer boasts a strong 2% rewards rate on purchases, where you get 1% back when you buy and 1% when you pay.
This zero-annual-fee card offers a solid earning potential as long as you pay your balance on time, and it provides a simple way to rack up points with no bonus categories to track.
You can also boost your rewards by also holding the Citi Premier® Card (review), which allows you to transfer points to airline and hotel programs. This combination effectively allows you to earn 2 airline miles per dollar on all spending with the Citi Double Cash.
For rates and fees of the American Express® Gold Card, please click here.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
