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* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
Best Credit Cards for Groceries
It’s no secret that grocery shopping is expensive. Whether you live alone or are shopping for a large family, your weekly grocery bill might end up being hundreds of dollars. What if you could offset that cost? Enter grocery credit cards.
The best grocery credit cards should offer lucrative points or cash back at supermarkets and, ideally, offer statement credits that help with dining or grocery spending. Here are our picks for the best credit cards for groceries:
- Blue Cash Preferred® Card: Best overall
- American Express® Gold Card: Best for frequent travelers
- Prime Visa: Best for Amazon Prime members who shop at Whole Foods.
- Capital One Savor Cash Rewards Credit Card: Best for unlimited earnings
- Blue Cash Everyday® Card: Best for no annual fee
Best Credit Cards for Groceries Overview
| Best Credit Cards for Groceries Overview | ||||
|---|---|---|---|---|
| Best for | Annual fee | Rewards rate | ||
| Blue Cash Preferred Card | Overall | $0 intro annual fee for the first year, then $95 (Terms apply, see rates & fees) | 6% cash back on groceries (Up to $6,000 per year in purchases at U.S. supermarkets) 6% cash back on select U.S. streaming subscriptions 3% cash back on transit (includes taxis, rideshare, parking, tolls, trains, buses, and more) 3% cash back at U.S. gas stations 1% cash back on other eligible purchases | Learn more |
| American Express Gold Card | Frequent travelers | $325 (Terms apply, see rates & fees) | 4X at restaurants worldwide (up to $50,000 in purchases each year, then 1X) 4X on groceries at U.S. supermarkets (up to $25,000 in purchases each year, then 1X) 3X on flights booked directly with an airline or at AmexTravel.com Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App 1X on other eligible purchases | Learn more |
| Savor Rewards from Capital One | Unlimited earnings | $0 | 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel 3% cash back at grocery stores 3% cash back on dining 3% cash back on entertainment 3% cash back on popular streaming services 1% cash back on all other purchases | Learn more |
| Blue Cash Everyday Card | No annual fee | No Annual Fee (Terms apply, see rates & fees) | 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 (up to $6,000 per year in purchases, then 1%) 3% cash back at U.S. gas stations (up to $6,000 per year in purchases, then 1%) 1% cash back on other eligible purchases | Learn more |
Best Credit Cards for Groceries
Best overall: Blue Cash Preferred® Card
American Express is an Advertising Partner
Blue Cash Preferred® Card from American Express
(4.08) Our Review
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 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 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 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 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Pros
- Industry-leading 6% cash back rate for U.S. supermarket spending (up to the first $6,000 per year) and select U.S. streaming subscriptions
- Monthly statement credits for The Disney+ Bundle that could potentially save you hundreds of dollars per year
- 0% intro APR for purchases and balance transfers during the first 12 months of account opening (See "Key Facts" and rates & fees for details)
Cons
- Charges a $95 annual fee every year after the $0 introductory annual fee the first year
- This card's foreign transaction fee clocks in at 2.7%
- Blue Cash reward dollars are limited to cash back redemptions
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6x
Supermarkets
-
6x
Streaming Services
-
3x
Transit
-
3x
Gas Stations
-
1x
All Other Eligible Purchases
Card details
The Blue Cash Preferred Card from American Express is the most well-rounded option among grocery credit cards. Although it has an annual fee of $95 (after a $0 introductory annual fee), it can be more than offset by a Disney bundle credit. Cardholders get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or stream.espn.com U.S. websites. Subject to auto-renewal.
The 6% cash back on groceries is only valid at U.S. supermarkets and has a spending cap of $6,000 per year on eligible purchases. This comes out to around $500 per month in grocery spending, so you likely won’t earn the full 6% back on every purchase you make throughout the year. Still, if you maximize this category, you’ll earn $360 in cash back, plus your earnings from streaming, transit, gas stations (on eligible purchases), and other purchases.
Note that cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can also redeem your earnings on Amazon.com at checkout.
Pros and cons
Pros:
- High earning rates on grocery purchases
- Disney+ bundle credit
- Introductory APR offer
Cons:
- Charges foreign transaction fees
- Cap on bonus cash back on grocery purchases
- Annual fee after the first year cuts into earnings
Who should apply
If you tend to spend around $500 per month on grocery purchases, and already subscribe to a Disney Bundle, you can more than justify the annual fee on the Blue Cash Preferred card.
Learn more about the Blue Cash Preferred Card including how to apply.
Best for frequent travelers: American Express® Gold Card
American Express is an Advertising Partner
American Express® Gold Card
(4.48) Our Review
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 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. Find out your offer. Terms apply.
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Book two nights or more with The Hotel Collection through AmexTravel.com and receive a $100* credit towards eligible charges at over 1,300 upscale hotels worldwide.§ *Eligible charges vary by property.
- Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Book two nights or more with The Hotel Collection through AmexTravel.com and receive a $100* credit towards eligible charges at over 1,300 upscale hotels worldwide.§ *Eligible charges vary by property.
- Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Pros
- For a pure combination of spending on dining, groceries, and airfare, the American Express Gold card is unmatched
- Although the annual fee seems high, you can actually come out ahead by using available monthly statement credits
- Earns valuable American Express Membership rewards points and card membership includes the highly regarded American Express customer service
Cons
- The annual fee of $325, despite the statement credits that can offset it, is steep for some
- Bonus categories are limited to just three
- Car rental CDW coverage is secondary to your own auto insurance
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4x
Supermarkets
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4x
Dining Out / Food Delivery
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3x
Airfare
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1x-5x
Hotels
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1x-2x
Car Rentals
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1x-2x
Cruises
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1x
All Other Eligible Purchases
Card details
The American Express Gold Card is the only rewards credit card on the list, and also the only one with such a high annual fee. Still, it’s a worthy contender, especially for high spenders. The opportunity to earn four points per dollar spent at U.S. supermarkets on up to $25,000 in spending each year is unmatched. That means you can earn four points per dollar on a little over $2,000 spent on groceries each month.
- $10 in Uber Cash each month when you add your Gold Card to your Uber account (up to $120 annually) to use on orders and rides in the U.S. when you select an American Express Card for your transaction.
- Up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations (Up to $84 annually). Enrollment required.
- Up to $50 in statement credits semi-annually after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases (up to $100 annually) Enrollment required.
- Up to a total of $10 in monthly statement credits when you pay with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (up to $120 annually). Enrollment required.
- Up to $100 annual credit for a minimum two-night stay with The Hotel Collection through AmexTravel.com
Pros and cons
Pros:
- Fantastic earning potential
- Suite of statement credits for foodies
- No foreign transaction fees
Cons:
- High annual fee
- Some statement credits are difficult to use
- Low earning potential on non-bonus category purchases
Who should apply
Anyone who can take advantage of all statement credits without going out of their way should seriously consider applying for the Amex Gold card. The earning potential and statement credits makes it a very lucrative card for the right traveler.
Learn more about the American Express Gold Card including how to apply.
Best for bonus categories: Prime Visa
The information collected about the Chase Amazon Prime Visa has been independently collected and has not been reviewed or approved by the issuer.
Amazon Prime Visa
(4.13) Our Review
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Offers extended warranty and purchase protection – great benefits for a shopping card
- Earn 10% back or more on a rotating selection of products and categories at Amazon.com
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Offers extended warranty and purchase protection – great benefits for a shopping card
- Earn 10% back or more on a rotating selection of products and categories at Amazon.com
Pros
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Offers extended warranty and purchase protection – great benefits for a shopping card
- No Foreign Transaction Fees
Cons
- This card is pure cash back – you don't earn transferable points.
- This wouldn't be an ideal card for someone without a Prime membership
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5x
Amazon / Whole Foods
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2x
Gas Stations
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2x
Dining Out / Food Delivery
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2x
Transit
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1x-5x
Airfare
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1x-5x
Hotels
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1x-5x
Car Rentals
-
1x
Everything Else
Card details
You might not think of Amazon when you’re working on your monthly grocery budget. However, the Amazon Prime Visa is actually a fantastic grocery credit card thanks to the 5% cash back on Amazon Fresh and Whole Foods purchases. If you have an Amazon Visa without a Prime membership, you’ll earn a lower 3% cash back. However, if you’re loyal enough to these brands to apply for a credit card, an Amazon Prime membership is a worthy investment.
The card is issued by Chase, so you’ll earn 5% cash back on Chase Travel℠ purchases. Purchases at gas stations, local transit and commuting, and restaurants earn 2% cash back. It’s a Visa Signature card, so it comes with some built-in benefits like auto rental coverage and baggage delay insurance. The cost of groceries is high, especially at Whole Foods, so the opportunity for 5% cash back shouldn’t be missed.
Pros and cons
Pros:
- Solid earning potential on Amazon and Whole Foods
- No annual fee outside Prime membership
- Visa Signature benefits
Cons:
- Low earning potential at other grocery stores
- Must have Prime membership to get full benefits
Who should apply
If you already have an Amazon Prime membership and frequently order items from Amazon, it makes a lot of sense to apply for the Prime Visa. It’s an added bonus if you regularly shop at Whole Foods.
Learn more about the Prime Visa including how to apply.
Best for unlimited earnings: Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card
(4.13) Our Review
- No annual fee
- Earn 3% cash rewards on popular categories
- No foreign transaction fee
- No annual fee
- Earn 3% cash rewards on popular categories
- No foreign transaction fee
Pros
- No annual fee
- Earns 3% back on dining and at grocery stores
- Excellent Intro 0% APR offers
Cons
- Only earns 1% cash back on non-bonus categories
- Does not come with any fancy benefits like airport lounge access
- Must book via Capital One Travel to get 5% cash back on hotels, vacation rentals, and rental cars
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3x
Dining Out / Food Delivery
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3x
Streaming Services
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3x
Entertainment (Concerts / Shows / Movies)
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3x
Supermarkets
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1x-5x
Car Rentals
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1x-5x
Hotels
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1x
Everything Else
Card details
The Capital One Savor Cash Rewards credit card is my personal favorite card on this list and one that I’m eager to apply for. Here’s why — you can earn an unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services.
There’s no foreign transaction fees, which means you can earn 3% cash back on grocery purchases abroad. That alone makes this card stand out from the competition for fellow digital nomads or frequent travelers. Most cash back cards limit bonus cash back to U.S. grocery stores, which is very frustrating if you spend extended time abroad.
With no annual fee, it’s affordable to keep in your wallet and provides a decent number of benefits.
Pros and cons
Pros:
- Unlimited earning potential
- Low APR period
- No foreign transaction fees
Cons:
- Requires excellent credit
- Limited additional cardholder benefits
Who should apply
Anyone who frequently travels abroad and wants to earn rewards on international grocery purchases should consider the Savor Rewards card.
Learn more about the Capital One Savor Cash Rewards Credit Card including how to apply.
Best for no annual fee: Blue Cash Everyday® Card
American Express is an Advertising Partner
Blue Cash Everyday® Card from American Express
(4.38) Our Review
You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Terms Apply.
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category 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 and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category 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 and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Pros
- No annual fee and with the provided statement credit offered, you can actually come out ahead.
- Generous cash back earning (in the form of "Reward Dollars") on three everyday spending categories: 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases of up to $6,000 per calendar year in purchases in each category (then 1%), and 1% cash back on other eligible purchases.
- Access to Amex Offers, providing the opportunity to earn even more cash back.
Cons
- Cash back is earned as "Reward Dollars" for a statement credit and can't be converted to Amex Membership Rewards points.
- There is a limit of $6,000 in spending per year in each eligible 3% cash back bonus category. All other purchases after this earn only 1% cash back.
- This cash-back credit card carries a 2.7 percent foreign transaction (Rates and Fees).
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3x
Gas Stations
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3x
Supermarkets
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3x
Online Retail Shopping
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1x
All Other Eligible Purchases
Card details
If you prefer a card without an annual fee, Blue Cash Everyday from American Express could be a solid option. Even without an annual fee, cardholders can take advantage of the following statement credits:
- Receive $7 back monthly (up to $84 each year) each month on an eligible auto-renewing subscription to the Disney+ Bundle
- Get up to $15 in statement credits back per month (up to $180 each year) on a Home Chef subscription
You’ll earn 3% cash back on eligible grocery purchases at U.S. supermarkets, U.S. online retail purchases, and eligible purchases at gas stations, up to $6,000 spent each year in each category. Then, you’ll earn 1% cash back. Like the Blue Cash Preferred, all cash back earnings are in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Pros and cons
Pros:
- Disney Bundle and Home Chef statement credits
- No annual fee
- Lucrative cash back
Cons:
- Charges foreign transaction fees
- Spending caps on bonus cash back
Who should apply
If you aren’t a heavy spender, the Blue Cash Everyday could be the perfect cash back card for your grocery purchases. It has unique bonus categories and allows you to earn cash rewards on both supermarket spending and online shopping, which is pretty rare.
Learn more about the Blue Cash Everyday card including how to apply.
How To Choose A Credit Card for Grocery Purchases
To decide which card is best for grocery purchases, you’ll need to look at your shopping habits. For example, if you are feeding a large family and spend hundreds of dollars per week at the store, you’ll want to avoid cards that have spending caps on bonus rewards for grocery purchases (or a very high limit). This means you’ll likely need a card with an annual fee.
Keep in mind as well that, in general, groceries sold in a separate section of a warehouse club or a store like Walmart are not going to be eligible for the bonus category which is for spending at supermarkets – not groceries themselves.
On the other hand, if you live alone somewhere affordable, you might not spend a ton each month on groceries. In that case, you’ll be better off with a card with a low annual fee that provides additional benefits outside the grocery store. As with any financial product, you’ll need to carefully weigh the benefits against the associated costs and fees before applying for a new card.
Bottom Line
There’s no one-size-fits-all solution for the perfect grocery credit card, but the five cards on this list are a fantastic first place to start. Whether you’re an avid Whole Foods shopper or you are feeding a family, these cards will give you the best yield on your grocery purchases.
Rates and Fees for the Blue Cash Preferred® Card from American Express
Rates and Fees for the American Express® Gold Card
Rates and fees for the Blue Cash Everyday® Card from American Express
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