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Best Credit Cards for Grocery Shopping

 Grocery shopping is a significant expense for most households. Using the right credit card can help you earn rewards, cashback, and other benefits on these essential purchases. In this article, we’ll explore the best credit cards for grocery shopping, detailing their features, benefits, and why they stand out.


  1. Blue Cash Preferred® Card from American Express

    • Rewards Rate: 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations, and on transit.
    • Sign-Up Bonus: Earn a $300 statement credit after spending $3,000 in the first 6 months.
    • Annual Fee: $95 (waived first year)
    • Why It's Great: Offers one of the highest cash back rates for grocery shopping, plus additional rewards on streaming, gas, and transit.

  2. Blue Cash Everyday® Card from American Express

    • Rewards Rate: 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 2% at U.S. gas stations and select U.S. department stores, 1% on other purchases.
    • Sign-Up Bonus: Earn $200 statement credit after spending $2,000 in the first 6 months.
    • Annual Fee: $0
    • Why It's Great: No annual fee and solid cash back rates on groceries, gas, and department store purchases.

  3. Chase Freedom Flex℠

    • Rewards Rate: 5% cash back on rotating categories each quarter (up to $1,500 in combined purchases, then 1%), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores, 1% on all other purchases.
    • Sign-Up Bonus: Earn $200 bonus after spending $500 in the first 3 months.
    • Annual Fee: $0
    • Why It's Great: Offers versatile cash back on various categories, including groceries when they are part of the rotating categories.

  4. American Express® Gold Card

    • Rewards Rate: 4x Membership Rewards® points at U.S. supermarkets (up to $25,000 per year in purchases, then 1x), 4x points at restaurants, 3x points on flights booked directly with airlines.
    • Sign-Up Bonus: Earn 60,000 Membership Rewards® points after spending $4,000 in the first 6 months.
    • Annual Fee: $250
    • Why It's Great: Excellent rewards rate at U.S. supermarkets and restaurants, plus valuable Membership Rewards® points.

  5. Bank of America® Customized Cash Rewards Credit Card

    • Rewards Rate: 3% cash back in a category of your choice (including online shopping), 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter), 1% on all other purchases.
    • Sign-Up Bonus: Earn $200 online cash rewards bonus after spending $1,000 in the first 90 days.
    • Annual Fee: $0
    • Why It's Great: Flexible rewards categories with solid cash back rates on groceries and other purchases.

  6. Capital One® SavorOne® Cash Rewards Credit Card

    • Rewards Rate: 3% cash back on dining and entertainment, 3% at grocery stores, 1% on all other purchases.
    • Sign-Up Bonus: Earn $200 cash bonus after spending $500 in the first 3 months.
    • Annual Fee: $0
    • Why It's Great: No annual fee and consistent cash back on groceries, dining, and entertainment.

  7. Citi® Double Cash Card

    • Rewards Rate: Earn 2% cash back on all purchases—1% when you buy and 1% when you pay your bill.
    • Sign-Up Bonus: None
    • Annual Fee: $0
    • Why It's Great: Simple and straightforward cash back on all purchases, making it great for consistent rewards.

  8. Wells Fargo Propel American Express® Card

    • Rewards Rate: 3x points on eating out and ordering in, gas stations, rideshares, transit, travel, flights, hotels, homestays, car rentals, and popular streaming services, 1x points on other purchases.
    • Sign-Up Bonus: Earn 20,000 bonus points after spending $1,000 in the first 3 months.
    • Annual Fee: $0
    • Why It's Great: Broad range of categories with high rewards rates, including groceries if purchased at qualifying locations.

  9. Amazon Prime Rewards Visa Signature Card

    • Rewards Rate: 5% cash back at Amazon.com and Whole Foods Market, 2% at restaurants, gas stations, and drugstores, 1% on all other purchases.
    • Sign-Up Bonus: $100 Amazon gift card upon approval.
    • Annual Fee: $0 with an Amazon Prime membership
    • Why It's Great: High cash back rate at Whole Foods Market, making it ideal for frequent Amazon and Whole Foods shoppers.

  10. U.S. Bank Altitude® Go Visa Signature® Card

    • Rewards Rate: 4x points on dining, takeout, and restaurant delivery, 2x points at grocery stores, grocery delivery, gas stations, and on streaming services, 1x points on all other purchases.
    • Sign-Up Bonus: Earn 20,000 bonus points after spending $1,000 in the first 90 days.
    • Annual Fee: $0
    • Why It's Great: Excellent rewards on dining and groceries, plus no annual fee.


Selecting the best credit card for grocery shopping depends on your spending habits and what additional benefits you value. Cards offering high cash back rates or points on grocery purchases can help you save money and earn rewards on everyday expenses. Evaluate your options and choose the card that best suits your needs to maximize your benefits.

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