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If you spend a lot of money on groceries, it makes sense to use a credit card that earns bonus rewards at the supermarket to make the most of this unavoidable expense. Fortunately, there are lots of credit cards that offer bonus points, miles, or cash back at the grocery store — and some even don’t charge an annual fee.

Find the right grocery credit card for you

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Best for online grocery purchases

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Best for earning bonus points on groceries and lots of other categories

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases

Best if groceries is your highest spending category

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first 6 months of account opening

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.

One of the best picks if you like earning flexible points is the American Express® Gold Card
, which earns 4x points at U.S. supermarkets on up to $25,000 in spending per year (then 1x). That’s my go-to card for grocery spending, but if the supermarket I’m shopping at doesn’t accept Amex, I’ll use my Citi Premier® Card to earn 3x points instead. 

The Chase Sapphire Preferred® Card is a new entry on this list, because it now offers 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs) — including meal kit delivery services.

Here are our top credit card picks for earning the most rewards at grocery stores.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Compare the best grocery credit cards

American Express® Gold Card


Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® Points on all other purchases.

American Express American Express® Gold Card

American Express® Gold Card


Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® Points on all other purchases.

On American Express’s website


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® Points on all other purchases.


Annual Fee

$250

See Rates and Fees

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Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Recommended Credit

Good to Excellent


Regular APR

18.99% – 25.99% Variable

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Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

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Regular APR

18.24% – 25.24% Variable

Editor’s Rating

4.8/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Citi Citi Premier® Card


Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening


Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases

Citi Citi Premier® Card


Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening


Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases


Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases


Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening


Recommended Credit

Good to Excellent


Regular APR

18.99% – 26.99% Variable

Editor’s Rating

4.3/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Citi Citi Custom Cash℠ Card


Intro offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first 6 months of account opening


Rewards

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.

Citi Citi Custom Cash℠ Card


Intro offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first 6 months of account opening


Rewards

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.


Rewards

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.


Intro offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first 6 months of account opening


Recommended Credit

Good to Excellent


Regular APR

16.99% – 26.99% Variable


Intro APR

0% intro APR on balance transfers and purchases for 15 months

Editor’s Rating

4.7/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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American Express Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express


Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.


$0 intro for the first year, then $95

Annual Fee

American Express Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express


Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.


$0 intro for the first year, then $95

Annual Fee


$0 intro for the first year, then $95

Annual Fee

On American Express’s website


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.


Annual Fee

$0 intro for the first year, then $95


Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Recommended Credit

Good to Excellent


Regular APR

16.99% – 27.99% Variable


Intro APR

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

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Capital One Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card


Intro offer

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening


Rewards

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores. Earn 1% cash back on all other purchases.

Capital One Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card


Intro offer

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening


Rewards

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores. Earn 1% cash back on all other purchases.


Rewards

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores. Earn 1% cash back on all other purchases.


Intro offer

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening


Recommended Credit

Good to Excellent


Regular APR

17.99% – 27.99% Variable


Intro APR

0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months)

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Chase Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card


Intro offer

$100 Amazon gift card instantly upon approval


Rewards

Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. Also, earn 10% back or more on a rotating selection of Amazon products and categories.

Chase Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card


Intro offer

$100 Amazon gift card instantly upon approval


Rewards

Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. Also, earn 10% back or more on a rotating selection of Amazon products and categories.


Rewards

Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. Also, earn 10% back or more on a rotating selection of Amazon products and categories.


Intro offer

$100 Amazon gift card instantly upon approval


Regular APR

16.49% – 24.49% Variable

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American Express Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card


Intro offer

15,000 points after you spend $2,000 on purchases in the first three months of account opening


Rewards

Earn 3x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 2x Membership Rewards® Points at U.S. gas stations. Earn 1X Membership Rewards® Points on all other purchases.

American Express Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card


Intro offer

15,000 points after you spend $2,000 on purchases in the first three months of account opening


Rewards

Earn 3x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 2x Membership Rewards® Points at U.S. gas stations. Earn 1X Membership Rewards® Points on all other purchases.

On American Express’s website


Rewards

Earn 3x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 2x Membership Rewards® Points at U.S. gas stations. Earn 1X Membership Rewards® Points on all other purchases.


Intro offer

15,000 points after you spend $2,000 on purchases in the first three months of account opening


Recommended Credit

Excellent


Regular APR

14.49% – 24.49% Variable


Intro APR

0% intro APR on purchases for 12 months from the date of account opening

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The best grocery credit card reviews

Amex Gold card

The American Express® Gold Card is an excellent all-around choice for foodies, offering 4x points on up to $25,000 in combined annual purchases (then 1x) at U.S. supermarkets. It also earns 4x points at restaurants, 3x points on airfare booked with the airline or through Amex Travel, and 1 point per dollar on all other eligible purchases.

In addition, cardholders receive up to $120 per year in dining credits** (up to $10 per month) with participating restaurants and food delivery services, and up to $120 per year (up to $10 per month) in Uber Cash credits**. The card charges a $250 annual fee, but if you take advantage of these credits and other perks, you can more than offset the yearly cost.

Review: American Express Gold card review

Chase Sapphire Preferred card

The pandemic has shifted consumer grocery shopping habits, with many now preferring to order groceries online for curbside pickup or delivery. As part of a recent refresh, the Chase Sapphire Preferred® Card now offers 3x points for online grocery purchases.

You’ll earn bonus points when you use your card to pay for grocery pickup and delivery orders that are placed online with grocery stores, specialty food stores, meal kit delivery services, or delivery service merchants that classify as grocery store merchants (excluding membership and subscription fees).

Purchases from Target, Walmart, and wholesale clubs, liquor stores, and merchants that specialize in only a few grocery items do not qualify. Pharmacy purchases (even from those located in supermarkets), gift cards, gift boxes, and gift baskets aren’t eligible, either.

Review: Chase Sapphire Preferred card review

Citi Premier card

The Citi Premier® Card might not be the first card that comes to mind for groceries, but if you’re looking for an all-purpose card that earns bonus rewards in lots of categories — including the supermarket — it’s an excellent choice.

Along with a welcome bonus of 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening, you’ll earn 3x points at supermarkets, gas stations, restaurants, hotels, and on airfare, and 1 point per dollar on all other eligible purchases. Citi ThankYou points are often underrated, but they’re incredibly versatile — you can transfer them to airline and hotel partners, use them to book travel through the Citi ThankYou portal, or redeem them for gift cards, cash back, merchandise, and more.

Review: Citi Premier credit card review

Citi Custom Cash card

The Citi Custom Cash℠ Card is unique in that it automatically earns 5x points (5% back) in your highest eligible category each billing cycle, on up to $500 in spending (then 1x). Qualifying categories include grocery stores (as well as restaurants, gas stations, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment).

There’s no annual fee, and the card offers a solid welcome bonus: $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first 6 months of account opening. It’s a good choice if your spending habits change from time to time, or if you prefer a hands-off approach and don’t want to keep tabs on activating or tracking bonus categories.

Review: Citi Custom Cash card review

Amex Blue Cash Preferred card

If you prefer earning cash back on your grocery spending, the Blue Cash Preferred® Card from American Express can’t be beat. It earns 6% cash back at US supermarkets on up to $6,000 in purchases each year (then 1%) — so by maximizing this category alone by spending, on average, $500 a month on groceries, you can earn $360 in cash back each year.

The card also offers 6% back on select US streaming services, 3% on transit, 3% at US gas stations, and 1% on all other purchases. There’s an annual fee of $0 intro for the first year, then $95, but if you spend a lot in the card’s bonus categories, you can make up for the cost easily (cash back is received in the form of Reward Dollars that can be redeemed as statement credits).

Review: Amex Blue Cash Preferred card review

Capital One SavorOne card

If you like earning cash back without paying an annual fee, the Capital One SavorOne Cash Rewards Credit Card is an easy choice — especially since there are no caps or geographic restrictions on what you can earn. Cardholders earn an unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on groceries, dining, entertainment, and streaming services, and 1% back on everything else.

The card offers a decent welcome bonus: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening, and it doesn’t add foreign transaction fees, so it’s a good choice if you’re traveling abroad.

Review: Capital One SavorOne credit card review

Amazon Prime Rewards Visa Signature card

Amazon Prime members can take the sting out of their Whole Foods grocery bill when they use the Amazon Prime Rewards Visa Signature Card
. With a Prime membership, cardholders earn 5% back on Whole Foods and Amazon purchases (including Amazon Fresh), 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

If you don’t have a Prime Membership, the card earns 3% back instead of 5%. There’s no annual fee and no foreign transaction fees, so this card is a good pick if you spend a lot at Whole Foods and Amazon. If you shop at other supermarkets, though, you’ll likely do better with a card that earns a bonus at all grocery stores.

Review: Amazon Prime Rewards Visa Signature credit card review 

Amex EveryDay Preferred credit card

Of all the Amex cards in my wallet, I’ve had the Amex EveryDay® Preferred Credit Card
the longest. Before I opened the Amex Gold Card, this was my primary card for grocery spending because it earns 3x points at U.S. supermarkets on up to $6,000 in spending per year (then 1x). It also earns 2x points at U.S. gas stations, and 1 point per dollar on all other eligible purchases.

The card has a trick up its sleeve, too. If you make at least 30 purchases on the card in a billing cycle, you’ll get a 50% bonus on all the points you’ve earned, effectively bumping the rate to 4.5x points at U.S. supermarkets (up to spending limits). The Amex EveryDay® Preferred Credit Card also comes with a much more manageable annual fee of $95 compared to the Amex Gold Card.

Grocery credit card frequently asked questions (FAQ)

Opening a credit card specifically for grocery purchases is definitely worth it for those who spend a lot at the supermarkets, especially with food prices climbing nowadays. Families with large grocery bills in particular can do quite well by earning rewards for these purchases.

It’s an even better deal if you choose a card that also earns bonus rewards in other everyday categories. For example, families that spend a lot on gas and dining out as well as groceries can maximize these expenses with the Citi Premier® Card, which earns 3x points supermarkets, restaurants, and gas stations (as well as air travel and hotels).

Hands down, the Blue Cash Preferred® Card from American Express is the best cash back grocery credit card if you make your purchases in the US. No other card can match its 6% cash back at US supermarkets on up to $6,000 in purchases each year (then 1%).

However, if you tend to spend more than $6,000 on groceries each year (or have grocery expenses overseas), choosing another cash-back card (or adding a second card) could make sense. In that case, a card like the Capital One SavorOne Cash Rewards Credit Card, which earns an uncapped 3% cash back at the grocery store, would be a solid choice.

Each bank has a slightly different definition of what counts as a grocery store purchase when it comes to earning bonus rewards. Be aware that most credit card networks do not consider superstores like Walmart or Target, or warehouse clubs like Costco, as part of the grocery category, so you won’t earn extra points or cash back on those purchases.

There are other restrictions to keep in mind. For example, American Express only awards bonus points or cash back at “US supermarkets” and not retailers abroad. It defines supermarkets as a retailer that offers a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products, and pet supplies. This does not include superstores, convenience stores, warehouse clubs, or meal-kit delivery services.

Meanwhile, Chase’s definition includes supermarkets, merchants that offer a full-service grocery line of merchandise including a deli and bakery, and smaller grocery stores. Larger stores that sell a wide variety of goods and groceries, like warehouse clubs, discount stores, drugstores, and merchants that specialize in only a few grocery items aren’t included, but delivery service merchants (like Instacart) are included if they classify as a grocery store merchant.

If you regularly spend big on grocery and gas purchases you can apply for a credit card with high rewards rates in both spending categories. You can pick from some of the best cards like the Blue Cash Preferred® Card from American Express, Citi Premier® Card, U.S. Bank Altitude® Connect Visa Signature® Card, and the Costco Anywhere Visa® Card by Citi (if you’re a Costco member). 

You can also check out Insider’s list of the best credit cards for gas purchases



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