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Everyone need♐s to eat — which is why grocery shopping is a large part of our monthly budgets. And it’s becoming even more expensive. A almost 70% of shoppers spent more on groceries this year than the year before.
Some cards ꦕoffer boosted points or cash back for grocery purchases, helping you save at the supermarket. The best grocery credit cards come with solid rewards earning rates, flexible redemptio♌ns, and added perks that keep your food costs down.
Best credit cards for groceries
- : Best for cash back rewards
- : Best for premium benefits
- : Best for earning travel rewards on groceries
- : Best for cash back with no annual fee
- Costco Anywhere Visa® Card by Citi: Best for Costco members
- Prime Visa: Best for Amazon and Whole Foods purchases
- Target REDCard: Best for Target shoppers
Blue Cash Preferred Card from American Express: Best for cash back rewards
The offers some of the highest rates on grocery purchases — making it one of the best cash back cards out there.
Rewards:
- You’ll earn 6% cash back at U.S. supermarkets up to $6,000 per year (then 1%).
- Other elevated cash back categories include select U.S. streaming subscriptions, transit, and U.S. gas stations.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.
Keep in mind there’s a spending limit for earning 6% on groceries. That’s why this card is best for those who spend around $500 or less each month at the grocery store.
This card has an introductory annual fee of $0 in the first💦 year and costs $95 annually afterward. See .
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American Express Gold Card: Best for premium benefits
The comes with an annual price tag that may be too high if you’re only looking for rewar🎶ds on grocery spending.
But, if you’re a big spender at the supermarket and are looki🐈ng for elevated points on dining and travel, you may want to consider this premium card.
Rewards
- Earn 4X Membership Rewards® points on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1X points)
- Earn 4X points at US supermarkets (on up to $25,000 in purchases per calendar year, then 1X points)
- Earn 3X points on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X points spent on prepaid hotels and other eligible purchases booked on
- Earn 1X points on all other purchases
The ⛄card also often comes with credits for food de🌜livery services and restaurants.
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Chase Sapphire Preferred Card: Best for earning travel rewards on groceries
The makes our list of best grocery cards because it offers high reward♓s on online grocery shopping.
Rewards
- You can earn 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs).
- Rewards earning doesn’t stop with food spending. You can also earn 5X points on travel through Chase Travel and 3X points on dining, including eligible delivery services and select streaming services, 2X points on other travel, and 1X on other purchases.
This card is also often considered one of the best travel rewards credit cards — and for good reason. It earns flexible tra🎶vel rewards worth 25% more when redeemed through Chase Travel.
You can often earn a lucrative sign-up bonus after spending a certain amount in🃏 the first few mಞonths of opening the card.
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Capital One SavorOne: Best for cash back with no annual fee
The offers valuable rewards for anyone who likes to eat༺.
Rewards
- You can earn unlimited 3% cash back on dining, entertainment, popular streaming subscriptions, and grocery store purchases (excluding superstores like Walmart and Target).
- You’ll also earn 10% cash back on Uber and Uber Eats purchases (through Nov. 14, 2024), 8% cash back on Capital One Entertainment purchases, 5% cash back on hotels and rental cars booked through Capital One Travel, and 1% cash back on all other purchases.
This card is a good move for anyone who doesn’t spend in one place. You may find better cash back rates elsewhere (like the Blue Cash Preferred) if you’re only looking for grocery rewards.
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Costco Anywhere Visa Card by Citi: Best for Costco members
If you’re an avid Costco member, this store card is for you. It’s 🎀designed for fr💛equent shoppers who prefer to use cash back rewards in-house with the wholesale club.
You must have a Costc꧂o membership to get the card, which starts at $60 annually, but the card has no annual fee.
Rewards
- You can earn 4% cash back on eligible gas and EV charging purchases (up to $7,000 per year, then 1%).
- You’ll also earn 3% cash back on restaurant and eligible travel purchases, 2% on all Costco purchases, and 1% on all other purchases.
This card isn’t for someone looking for fꦉlexible rewards. You only get one redemption option — an annual reward certificate redeemable for cash or merchandise at eligible Costco warehouse locations.
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Prime Visa Card: Best for Amazon and Whole Foods purchases
As one of the largest online retailers, Amazon is a fan favorite a꧒mong shoppers. If your groceryও spending includes Amazon or Whole Foods, this card is a good option.
Rewards
- Earn unlimited 5% cash back on all eligible Amazon.com or Whole Foods Market purchases, including in-store and online Amazon Fresh purchases.
- You can also earn unlimited 2% cash back on restaurants and gas stations, unlimited 2% cash back on local transit and commuting, and unlimited 1% cash back on everything else.
The card has no annual fee but does require a𒊎 Prime membership to get the card and earn cash back. Membership currently costs $14.99 per month or $139 annually.
Upoꦜn approval, new cardholders instantly receive a $150 Amazon gift card without a spending requirement.
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Target REDCard: Best for Target shoppers
If your g🌜rocery trips include 🌊a stop at Target, you should consider the Target REDCard.
The Target REDCard is different from a typical cash back card. Instead of earning a percentage of your purchase as cash back, you’ll receive a discount. It’s one of the best store credit cards if you’re a regular at Target.
Rewards
- With every eligible purchase you make at Target and Target.com, you’ll get 5% off.
- On top of that, you’ll receive a 10% discount coupon each year on your card’s anniversary.
- Outside of Target, the REDCard earns 2% in rewards on dining and gas purchases and 1% in rewards everywhere else, which you can redeem for a Target gift card.
Other perks include exclusive sales, free ꩲtwo-day shi𝓀pping on select purchases, and extended return times.
Keep in mind there are multiple versions of the Target REDCard. If you don’t qualify for the Mastercard option, Target may consider you for its closed-loop credit card, which is only accepted within Target and Target.com.
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The bottom line
A grocery credit card is a good idea if you’re heading to the supermarket or grocery shopping online a few times each month. A store-branded card may offer the best rewards and b♔enefits depen༺ding on where you shop.
If your food spending habits vary, opt for a grocery card with bonus rewards for general g🌠rocery purchases⭕.
Choosing a credit card based on grocery spending alone may not make sense for most, especially if you also spend considerable amounts in other monthly categories. You’re probably better off getting one of these rewards cards geared toward everyday spending.
Let your spending habits be your guide when researching the cards on our list to find the right grocery 𝔍card for yo♛u.
[Disclaimer]: *Eligibility a🌼nd Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit for more details. Underwritten by Amex Assurance Company
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