Best Credit Cards for Groceries
Households with large grocery bills can significantly reduce costs by paying with a credit card that offers elevated supermarket rewards. A family spending $100 per week could earn more than $150 annually with a 3% cash-back card. These savings show up at checkout without any extra effort, and some cards also reward grocery delivery purchases.
Groceries are one of the largest recurring expenses for most American households. Unlike travel or luxury spending, grocery shopping happens every single week. That makes grocery rewards credit cards one of the smartest tools for lowering everyday costs, especially when inflation keeps food prices high. The right card can turn routine supermarket runs into meaningful cash back, points, or miles that add real value to your budget.
In this guide, we break down the best credit cards for groceries, explain why each card made the list, and help you choose the one that fits your household’s spending habits.
How We Chose the Best Credit Cards for Groceries
Not all grocery credit cards are created equal. To make this list useful for American consumers, we focused on cards that offer:
- High rewards rates at U.S. supermarkets
- Reasonable annual fees (or strong value to justify them)
- Introductory welcome offers
- Broad acceptance at major grocery chains
- Long-term value beyond the first year
Every card below provides real savings for grocery shoppers in the United States.
Quick Comparison: Best Credit Cards for Groceries
| Credit Card | Rating | Annual Fee | Rewards Rate (Groceries) | Intro Offer |
|---|---|---|---|---|
| Blue Cash Preferred® (Amex) | ⭐⭐⭐⭐⭐ | $95 | High cash back at U.S. supermarkets | Welcome cash bonus |
| Blue Cash Everyday® (Amex) | ⭐⭐⭐⭐☆ | $0 | Solid cash back at U.S. supermarkets | Intro cash bonus |
| Prime Visa | ⭐⭐⭐⭐☆ | $0 | Elevated rewards at Amazon & Whole Foods | Amazon gift card |
| Capital One Savor Cash | ⭐⭐⭐⭐⭐ | $95 | Strong cash back on food purchases | Cash bonus |
| Citi Double Cash® | ⭐⭐⭐⭐☆ | $0 | Flat-rate cash back everywhere | No-frills bonus |
| American Express® Gold Card | ⭐⭐⭐⭐⭐ | $250 | High points on groceries | Large points bonus |
| Citi Strata Premier® | ⭐⭐⭐⭐☆ | $95 | Points on groceries & travel | Intro points offer |
1. Blue Cash Preferred® Card from American Express
Why This Card Made the List
This is one of the most powerful grocery credit cards available to American consumers. The elevated cash back rate at U.S. supermarkets can easily outweigh the annual fee for families with moderate to high grocery spending.
Key Grocery Benefits
- Exceptional cash back rate on groceries
- Applies to major U.S. supermarket chains
- Cash rewards are simple and flexible
Best For
Families and households spending heavily on groceries every month.
2. Blue Cash Everyday® Card from American Express
Why This Card Made the List
It delivers strong grocery rewards without an annual fee, making it ideal for budget-conscious shoppers.
Key Grocery Benefits
- No annual fee
- Solid supermarket rewards
- Easy cash-back redemption
Best For
Everyday grocery shoppers who want rewards without paying a fee.
3. Prime Visa
Why This Card Made the List
Whole Foods is a major grocery destination for many American families, and this card maximizes rewards there.
Key Grocery Benefits
- High rewards at Whole Foods
- No annual fee
- Instant value for Amazon Prime members
Best For
Amazon Prime members who shop at Whole Foods regularly.
4. Capital One Savor Cash Rewards Credit Card
Why This Card Made the List
This card excels for households that spend heavily on food both at home and away.
Key Grocery Benefits
- Strong grocery and dining rewards
- No rotating categories
- Straightforward cash back
Best For
Food-focused spenders who want simplicity and high rewards.
5. Citi Double Cash® Card
Why This Card Made the List
While it does not specialize in groceries, its flat-rate rewards make it a dependable option.
Key Grocery Benefits
- Same rewards rate everywhere
- No category tracking
- No annual fee
Best For
People who prefer simplicity over maximizing grocery-specific rewards.
6. American Express® Gold Card
Why This Card Made the List
Despite its high annual fee, the grocery rewards rate is among the best available.
Key Grocery Benefits
- Excellent supermarket rewards
- Points can be redeemed for travel or statement credits
- Premium card perks
Best For
High spenders who want maximum rewards and premium benefits.
7. Citi Strata Premier® Card
Why This Card Made the List
It blends grocery rewards with travel flexibility.
Key Grocery Benefits
- Strong grocery earning rate
- Points can be transferred or redeemed flexibly
- Balanced rewards structure
Best For
Shoppers who want grocery rewards plus travel value.
Grocery Spending Strategies to Maximize Rewards
To get the most out of grocery credit cards:
- Use one primary grocery card for all supermarket purchases
- Pay attention to spending caps
- Pair grocery cards with flat-rate cards
- Use grocery delivery services when eligible for rewards
- Pay balances in full every month
Common Mistakes to Avoid
- Paying interest that wipes out rewards
- Shopping at stores that do not code as supermarkets
- Ignoring annual fee break-even points
- Overcomplicating card usage
FAQs About Grocery Credit Cards
Final Thoughts
The best credit cards for groceries turn everyday shopping into real savings. Whether you prefer straightforward cash back or flexible reward points, there is a grocery credit card that fits your lifestyle. By choosing the right card and using it consistently, American families can reduce grocery costs year after year—without changing how they shop.
