Best Credit Cards for Groceries in 2024

Do you need Credit Cards best for Groceries? If you’re looking to stretch your grocery budget even further, you might want to consider a rewards credit card that can help you earn over $100 a year on groceries. However, this article lists the best credit cards for groceries.

Best Credit Cards for Groceries

Credit Cards for Groceries Review

Grocery rewards cards accumulate cash back or points on purchases at eligible grocery stores.

Groceries can be one of the most lucrative bonus categories on the market considering food and household products are the spine of most budgets.

However, the best credit card for groceries will go even further, offering up valuable rewards for other major spending categories, including everyday staples like dining, gas, transit, and travel.

Since these versatile cards offer a surplus of value even outside the supermarket, they’re ideal for just about anyone. 

Most grocery cards earn cash back, but it’s also painless to find airline, hotel, and general travel cards that offer a grocery bonus category.

Pros & Cons of Grocery Rewards Cards


  • Annual fees are rare
  • The bigger the grocery bill, the better the rewards can be
  • Rewards earning may not be limited to groceries
  • You may get a sign-up bonus


  • Interest charges can swamp your rewards
  • Rewards aren’t always unlimited
  • Redemption options are sometimes limited
  • Discounts aren’t always as valuable as rewards

Types of Grocery Rewards Credit Cards

Best Credit Cards for Groceries

1. Flat-rate cash-back Credit Cards

These cards earn the same rewards rate on all purchases.

Examples: Capital One Quicksilver Rewards and Citi Double Cash.

2. General Cash-Back Credit Cards with Multiple Rewards Rates

You earn a different amount of rewards depending on the category of your purchases.

Some offer bonus rewards on grocery purchases—usually up to a specific annual limit—with different rewards rates on other purchases you make.

Examples: Blue Cash Preferred Card from American Express and the Capital One SavorOne Cash Rewards.

3. Credit Cards With Rotating Categories

Some credit cards change the category that earns the highest rewards.

One quarter, that category may include grocery store spending, and the cards usually publish a calendar of the quarterly rewards categories.

Keep in mind this means you may only earn bonus rewards on grocery purchases for part of the year.

Examples: Discover it Cash Back and Chase Freedom.

4. Co-branded Grocery Store Cards

These cards earn extra rewards at specific grocery stores.

Depending on the card, you may or may not be able to use the credit card elsewhere.

Examples: Amazon Rewards Visa Signature Card and Kroger REWARDS World Mastercard.

Note: Many of the top credit cards for groceries offer a welcome bonus if you can meet a minimum spending requirement within a few months.

This bonus can be worth $100 or more on its own.


Best Credit Cards for Groceries

Best Credit Cards for Groceries

1. Blue Cash Preferred Card from American Express

Another awesome grocery card is the Blue Cash Preferred Card from American Express.

With this card, you’ll earn 6% cashback on your first $6,000 at U.S. supermarkets each year (then 1%).

If you max that out, that’s a $360 benefit! In addition, you’ll get 3% cashback at U.S. gas stations and on transit, and 1% cashback on all other purchases.

While this card does charge a $95 annual fee. And if you spend a ton on groceries anyway, the fee is well worth it.

A family of four spending $1,000 a month on groceries would earn $360 back on their first $6,000 spent at U.S. supermarkets, plus another $60 on the rest of their annual grocery spending.

That’s more than $300 in rewards, even after the annual fee, on grocery shopping alone, not to mention the additional money back earned at U.S. gas stations, etc.

2. Blue Cash Everyday Card from American Express

The Blue Cash Everyday Card from American Express is a no-fee rewards card that is truly ideal for grocery spending.

With this card, you’ll earn 3% cashback on your first $6,000 at U.S. supermarkets each year (then 1%), 2% cashback at U.S. gas stations and at select U.S. department stores, and 1% cashback.

You can redeem your cashback as a statement credit, and use that to purchase more groceries – or anything else your heart desires.

Best of all, this card will never charge an annual fee.

3. Chase Freedom Card

If you’re looking for a no-fee grocery card, the Chase Freedom card is where it’s at.

With this card, you’ll earn one point per dollar spent on all purchases, and 5 points per dollar on your first $1,500 spent in categories that rotate every quarter.

Best of all, in past years you, could get 5x bonus categories that included grocery spending.

With the average American family of four spending roughly $700 to $1,000 a month on groceries, you could easily end up hitting the quarterly $1,500 cap on bonus spending in just two months.

That’s a cool 7,500 in points, worth $75. It may not be a lot, but it’s free money!

4. Bank of America Cash Rewards Card

The Bank of America Cash Rewards Credit Card is another card with easy-to-earn rewards on grocery spending, a healthy signup bonus, and no annual fee.

By signing up, you’ll earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.

You can redeem your cashback in the form of statement credits, and there is no need to keep track of rotating bonus categories.

5. Citi Custom Cash Card

The Citi Custom Cash Card delivers a lot of value for a $0 annual fee: 5% back automatically in your qualified top spending category on up to $500 spent per billing cycle.

The list of eligible 5% categories is assorted and includes biggies like restaurants, grocery stores, and more.

Unlike with its competitors, there’s no activation schedule or bonus calendar to keep track of.

6. U.S. Bank Shopper Cash Rewards Visa Signature Card

The U.S. Bank Shopper Cash Rewards Visa Signature Card is tailor-made for clients who spend a lot of money at retailers that don’t fit into the bonus categories offered by other credit cards.

The card also delivers a higher-than-usual rate on spending outside its bonus categories. The downside: There’s an annual fee.

7. Instacart Mastercard

You’ll acquire high rewards on Instacart grocery delivery and extra cashback in some other common spending categories.

The bonus suggestion makes it even more enticing to have your groceries brought to you rather than driving to the store.

8. Citi Double Cash Card

Year after year, the Citi Double Cash Card has been a top pick among flat-rate cash-back cards.

You gain 2% cash back on every purchase, 1% when you buy something, and 1% when you pay it off.

There’s no 0% intro period for purchases and no bonus categories, but the high rewards rate more than makes up for the absence of bells and whistles.

9. Capital One SavorOne Cash Rewards Credit Card

Love the nightlife but dead-set against paying an annual charge? Think about the Capital One SavorOne Cash Rewards Credit Card.

It delivers a lower cash-back rate on dining and entertainment than the regular Savor card, but the rewards are nevertheless quite good.

The sign-up bonus is lower than on the annual fee version, too, but it’s still solid.

10. U.S. Bank Cash+ Visa Signature Card

If you don’t mind putting some work into your rewards, see the U.S. Bank Cash+ Visa Signature Card. It may be the most customizable cashback card available.

You pick which categories make the most cash back, you get two 5% categories and a 2% category, and you can change those options every quarter.

Moreover, there’s a good bonus suggestion for new cardholders, too.

11. American Express Gold Card

The American Express Gold Card can secure you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants, and on certain flights booked through

Other benefits include hundreds of dollars a year in available dining and travel credits and a solid welcome offer for fresh cardholders.

There’s an annual charge, though, and a pretty substantial one, so it’s not for smaller spenders.


What Can You Expect from Grocery Rewards Credit Cards?

Grocery Rewards

Here’s what you need to know about grocery rewards credit cards.

1. Rewards earning: All the grocery cards surveyed earn at least two points per dollar or 2% cashback on grocery store purchases.

A quarter of the cards surveyed earn at least five points per dollar or 5% cashback on grocery store purchases.

2. Rewards redemption: You can redeem rewards flexibly with cashback or other options using all the grocery cards surveyed.

3. Sign-up bonus value: You can earn a sign-up bonus of at least $50 with more than 80% of grocery credit cards.

4. Annual fee: Nearly 60% of grocery cards charge no annual fee. All but one of the grocery cards surveyed have an annual fee of $100 or less.

5. APR: All but one of the grocery cards surveyed have a minimum APR of between 15% and 18.99%.

In summary, while not everyone is interested in credit card rewards, everyone has to buy food. And if you’re spending a bundle at the grocery store each month anyway, why not earn some cashback in the process?

The best cash-back cards for grocery stores make the process easy, offer a ton of rewards, and don’t charge fees or make you jump through a bunch of hoops.

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