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10 Best Credit Cards for Groceries of 2022

10 Best Credit Cards for Groceries of 2022

Our pick for the credit card for groceries overall is the Blue Cash Preferred® Card from American Express. This card offers an impressive introductory rewards bonus, along with a generous cashback rewards structure for U.S. supermarket purchases and other everyday spending.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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Top credit cards for groceries of 2022

Blue Cash Preferred<sup>®</sup> Card from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

Blue Cash Everyday<sup>®</sup> Card from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

Citi<sup>®</sup> Double Cash Card – 18 month BT offer

On Citibank's Secure Website

Jump to

A grocery store credit card can help with saving money on supermarket trips if you're able to earn points or cash back on purchases. The best credit card for groceries is the one that offers the best combination of rewards, added benefits and cost.

Grocery store credit cards may be a good fit if you spend more on everyday purchases versus travel. Finding the best grocery store credit card starts with understanding your spending habits. From there, you can narrow down the list of card options to find the best fit. Below, you'll find our top picks for different types of spenders.

Compare the best credit cards for groceries of 2022

Card
Welcome Offer
Credit Needed
Annual Fee
Best overall
Blue Cash Preferred® Card from American Express
Blue Cash Preferred<sup>®</sup> Card from American Express
$300 back after you spend $3,000 in purchases on your new Card within the first 6 months.660 - 850$0 introductory annual fee for the first year, then $95 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Groceries only
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.660 - 850$0
Apply Now
On Citibank's Secure Website
No annual fee
Blue Cash Everyday® Card from American Express
Blue Cash Everyday<sup>®</sup> Card from American Express
$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.660 - 850$0 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Compare all cards

Welcome Offer

$300 back after you spend $3,000 in purchases on your new Card within the first 6 months.
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Credit Score Needed

660 - 850
660 - 850

Annual Fee

$0 introductory annual fee for the first year, then $95 See Rates & Fees.
$0
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Apply Now
On Citibank's Secure Website

Best credit card for groceries overall

Blue Cash Preferred<sup>®</sup> Card from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

$300 back after you spend $3,000 in purchases on your new Card within the first 6 months.

$0 introductory annual fee for the first year, then $95

14.74%-24.74% Variable

660 - 850

  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Our thoughts

The Blue Cash Preferred® Card from American Express is one of the best grocery store card options for people who want to earn a higher cashback rewards rate at supermarkets and don't mind paying an annual fee. The card offers 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. These rewards are easily redeemable for statement credits toward your purchases.

Averaging $500 per month in eligible U.S. supermarket purchases with this card could mean earning $360 in cash back per year, which can be redeemed as a statement credit. This card could be a suitable pick for families who spend regularly on groceries and want a simple way to save on food budgets.

For rates and fees of Blue Cash Preferred® Card from American Express, please click here.

  • One of the most rewarding cards for groceries.
  • Annual fee is waived for the first year.
  • Terms apply.
  • You'll have to pay an annual fee: $0 introductory annual fee for the first year, then $95 (but the rewards can easily make up for it)
  • 6% back rewards rate on U.S. supermarket purchases is limited to the first $6,000 you spend each year.
  • Cash back is earned as reward dollars, which are redeemable for statement credit.
  • Terms apply.


Best credit card for groceries only

Citi Custom Cash℠ Card

On Citibank's Secure Website

Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

$0

14.74% - 24.74% (Variable)

660 - 850

  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • 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. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

Our thoughts

Citi bills its Citi Custom Cash℠ Card as a 5% rotating cashback card, but we actually think it's a great candidate as a go-to card for groceries. Here's why:

  • It doesn't charge an annual fee
  • It offers 5% cash back on up to $500 ($6,000 per year) in your highest spending category each month. This includes groceries
  • It automatically enrolls you in the 5% category, sparing you the effort of having to do so yourself

This combination of factors makes it a great alternative to the Blue Cash Preferred® Card from American Express. While the Blue Cash Preferred® Card from American Express earns more cash back at U.S. supermarkets, the Citi Custom Cash℠ Card doesn't charge an annual fee — this puts it ahead of the Blue Cash Preferred® Card from American Express on supermarket purchases, once you subtract the annual fee from the earnings ($300 in earnings for the Citi Custom Cash℠ Card versus $265 in earnings for the Blue Cash Preferred® Card from American Express).

  • No annual fee
  • Automatically enrolls you in your highest spend category
  • One of the highest earning cards for dedicated grocery purchases
  • Low earning rate on your other purchases
  • 5% category is capped at $500 in purchases per month ($6,000 per year)
  • Limited on other benefits


Best credit card for groceries and no annual fee

Blue Cash Everyday<sup>®</sup> Card from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$0

14.74%-24.74% Variable

660 - 850

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Our thoughts

The Blue Cash Everyday® Card from American Express could be a good fit if you're looking for the best card for groceries with a $0 annual fee. This card offers cash back on U.S. supermarkets, as well as U.S. gas, department store purchases and other purchases. The cashback rewards rate is less than what's offered by the Blue Cash Preferred® Card from American Express: only 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations. 1% cash back on other purchases. Terms apply. But again, there's $0 annual fee to detract from cash back earned. Plus, like the Blue Cash Preferred® Card from American Express, rewards can easily be redeemed for statement credits.

For rates and fees of Blue Cash Everyday® Card from American Express, please click here.

  • $0 annual fee.
  • Low minimum spending requirement to qualify for the welcome offer.
  • Terms apply.
  • 3% cashback rewards at U.S. supermarkets is capped at the first $6,000 in purchases.
  • Cash back is earned as reward dollars, which are redeemable for statement credit.
  • Terms apply.


Best credit card for groceries with a flat-rate

Citi<sup>®</sup> Double Cash Card – 18 month BT offer

On Citibank's Secure Website

$0

14.74% - 24.74% (Variable)

660 - 850

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Enjoy an introductory APR of 0% for 18 months on Balance Transfers, then the APR is 14.74% - 24.74% (Variable).

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Our thoughts

The Citi® Double Cash Card – 18 month BT offer is the best grocery card option for people who value simplicity. This card has a straightforward cashback rewards structure, with no tiers or caps to worry about: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back can be redeemed as a statement credit, direct deposit, check or be converted to Citi ThankYou points. And there's $0 annual fee.

  • $0 annual fee.
  • Earn the same rate of cash back on every purchase.
  • Cashback rewards are unlimited, with no tiers or caps.
  • Flexible redemption options for using cashback rewards.
  • Get an intro APR of 0% for 18 months on Balance Transfers, followed by an APR of 14.74% - 24.74% (Variable)
  • No introductory cashback rewards bonus.
  • May not be the best credit card for groceries if you're seeking a higher rewards rate.


Best credit card for groceries and points

American Express<sup>®</sup> Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

$250

See Pay Over Time APR

660 - 850

  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and 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.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Our thoughts

The American Express® Gold Card is one of the best grocery store cards for people who'd rather earn points versus cash back. This card comes with a generous welcome offer for eligible new members along with an above-average rewards rate on U.S. supermarket purchases: Earn 4X Membership Points on Restaurants worldwide, including takeout and delivery. Additionally, earn Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. There is a higher annual fee to consider but frequent spenders who charge groceries, dining and travel could easily earn that back in valuable Membership Rewards points.

For rates and fees of American Express® Gold Card, please click here.

  • Competitive welcome offer
  • One of the most rewarding cards for supermarkets, considering the high value of Membership Rewards points.
  • Suitable for everyday spenders and travel spenders.
  • Redeem Membership Rewards points for statement credits, travel, gift cards and more.
  • Terms apply.
  • $250 annual fee is higher compared to what other grocery store cards charge.
  • Some points redemption options may yield more value than others.
  • Terms apply.


Best credit card for groceries and dining

Capital One® Savor® Cash Rewards Credit Card

Generic card art
Not available on ValuePenguin

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening

$95

16.24% - 24.24% variable APR

660 - 850

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining, entertainment and popular streaming services, 3% cash back at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023.
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more

Our thoughts

The Capital One® Savor® Cash Rewards Credit Card rates as one of the best credit cards for groceries if you're looking for unlimited cashback rewards. This card lets you Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. With unlimited rewards on both dining and groceries, the Capital One® Savor® Cash Rewards Credit Card is perfect for foodies who want to earn the most cash back on those purchases. Rewards don't expire and there are multiple ways to redeem them. You also pay 0% foreign transaction fee for this card, which is a plus if you plan to purchase groceries or dining while traveling.

  • Unlimited bonus on grocery and restaurant purchases.
  • Generous introductory cash back rewards offer.
  • Cardmembers get access to exclusive dining events and experiences.
  • Redeem rewards your way, at your own pace, with no expiration dates.
  • $95 annual fee.
  • Other grocery store credit cards may offer a higher cashback rewards rate.


Best credit card for groceries at Whole Foods

Amazon Prime Rewards Visa Signature Card

Our thoughts

If you're a regular Whole Foods shopper, the Amazon Prime Rewards Visa Signature Card is a great card to have for earning a percentage of those purchases back. This card also awards 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases.. There's a $0 annual fee and the unlimited rewards you can earn can be redeemed for cash or eligible Amazon purchases.

  • Earn 5% back at Whole Foods Market and Amazon.
  • $0 annual fee.
  • Take advantage of exclusive offers to earn 10% back or more on select Amazon purchases.
  • Enjoy Visa Signature perks, including travel and purchase protections.
  • Lacks an impressive introductory rewards offer.
  • Requires an Amazon Prime membership, which costs $119 per year.
  • Regular variable APR is on the higher side compared to some grocery store credit cards.


Best credit card for groceries at wholesale clubs

Costco Anywhere Visa<sup>®</sup> Card by Citi

On Citibank's Secure Website

$0

15.99% (Variable)

720 - 850

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.99%. Citi Flex Plan offers are made available at Citi's discretion.

Earn cash back at Costco and on other purchases with $0 annual fee or foreign transaction fees.

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Our thoughts

The Costco Anywhere Visa® Card by Citi rewards you with 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases. If you're already a Costco member or you're thinking of joining, this card could be a no-brainer if you're looking for a grocery store rewards option. There's a $0 annual fee as long as you have a paid Costco membership and grocery rewards are unlimited, which is perfect if you prefer to buy in bulk.

  • Earn 2% back at Costco and Costco.com, including grocery purchases.
  • Rewards are unlimited, with a $0 annual fee if you have a paid Costco membership.
  • You can only get this card if you're a Costco member.
  • There's no introductory rewards bonus.
  • Cash back is provided only once per year in the form of an annual certificate, which is redeemable for cash or Costco merchandise.
  • You forfeit all your cash back if you cancel your Costco membership before your certificate arrives.


Best credit card for groceries and bad credit

Discover it<sup>®</sup> Secured Credit Card

Generic card art
Not available on ValuePenguin

Discover will match all the cash back you’ve earned at the end of your first year.

See terms

See terms

540 - 669

  • No credit score required to apply.*
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.*
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Build credit while earning rewards on groceries and other purchases.

Our thoughts

Secured credit cards can help with establishing or building credit and some, including the Discover it® Secured Credit Card, offer rewards on purchases. The card lets you earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically. This card does require a security deposit but you can choose how much to deposit, up to the credit limit for which you're approved. As you use the card to make purchases and pay them back, you can earn rewards while also building positive credit history over time.

  • Earn cash back on your purchases while you build credit.
  • Security deposits are refundable and you can choose the amount.
  • Discover automatically matches all the cash back you earn during your first year of card membership.
  • Enjoy free access to your FICO® Credit Score.
  • There's no introductory rewards offer.
  • Your initial credit limit may be low, depending on what you're approved for.


Best credit card for groceries with rotating categories

Discover it<sup>®</sup> Cash Back

Generic card art
Not available on ValuePenguin

Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

See terms

See terms

660 - 850

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Our thoughts

If you're comfortable with rotating cashback bonus categories, the Discover it® Cash Back could be a good fit. This card offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. The bonus applies in specific categories, which in the past have included grocery stores, Amazon, department stores and gas stations. You may enjoy this card if your spending patterns fluctuate throughout the year.

  • Discover offers a cashback match for all the cash back you earn your first year.
  • Use the Freeze It® switch to turn your card on or off if it's lost or stolen.
  • If you forget to activate the quarterly bonus you won't be eligible to earn the 5% cash back rewards rate.
  • Bonus cash back is limited to $1,500 in purchases per quarter.
  • You only earn 1% cash back on purchases outside the bonus categories.

What is a grocery credit card?

Simply defined, a grocery credit card is a card that offers benefits or rewards on your grocery purchases.

The cards on our list of best grocery cards list fall into a few categories:

Cashback grocery credit cards

Cashback grocery credit cards let you earn cash back on groceries. These cards are best for cardholders who yearn for simple, valuable rewards.

The Blue Cash Preferred® Card from American Express is one of the best grocery cash back credit cards, because it offers 6% cash back on up to $6,000 in U.S. supermarket purchases each year (redeemable as a statement credit).

Points and miles cards

Points and miles cards for groceries offer bonus rewards on your grocery purchases that you can redeem for travel. These cards are a good option for frequent travelers, as you can potentially squeeze more rewards (and travel) out of your purchases with the card than you could with a simple cashback card.

The American Express® Gold Card is one of the best points cards for travel purchases. We estimate its points are worth around 2 cents on average when redeemed for travel, which means you're getting around an 8% return on your U.S. supermarket purchases.

Rotating category grocery credit cards

Rotating category cards, like the Chase Freedom Flex℠ and Discover it® Cash Back, offer bonus rewards on quarterly categories that you have to opt into. The categories sometimes include grocery categories, which means, for a quarter of the year, the card can be your go-to for grocery purchases.

The Discover it® Cash Back offers 5% cash back on rotating quarterly categories that you have to opt into for up to $1,500 in purchases each quarter. It's a particularly rewarding card for groceries in 2021, since it covers many different merchants that sell groceries, including:

  • Grocery stores (January–March)
  • Wholesale clubs (April–June)
  • Amazon.com, Walmart.com and Target.com (October–December)

Grocery and dining cards

For foodies, a credit card that offers bonus rewards on both restaurants and groceries is a must-have. Some of these cards offer additional perks, like special dining experiences.

The Capital One® Savor® Cash Rewards Credit Card is the best credit card for groceries and dining since it offers an unlimited cashback bonus on dining, entertainment and grocery stores.

Gas and grocery credit cards

Gas is another major item in most people's budgets, so it can make sense to have a card that offers a bonus on both gas and groceries.

We rate the Blue Cash Preferred® Card from American Express as the best credit card for gas and groceries, since it offers one of the highest rates of cash back in these categories.

Store-branded cards

Not all of these cards offer rewards on purchases with the brand that can't be beat by other cards (see the Amazon Prime Rewards Visa Signature Card above for an example). If you shop frequently with a particular chain, it might make sense to sign-up for a co-branded store card.

"The best grocery credit card is the one that best fits your spending habits, so don't let a big sign-up bonus distract you from doing your homework. Make sure to consider where you shop most often, how much you spend on groceries compared to other expenses and whether you plan to use the grocery card as your primary credit card. The answers to these questions will help lead you to the right card for you."

Matt Schulz, chief credit analyst at ValuePenguin

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Largest grocery chains

Store
Co-branded card?
AlbertsonsN/A
AldiN/A
Costco
Dearborn MarketN/A
Food LionN/A
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Supermarket vs. grocery store: What's the difference?

You may notice that some of the cards on this page specify "supermarkets" rather than "groceries" in their earning rates. That's because not just any grocery purchase will qualify for the card's bonus earnings. You must make your purchase from a merchant that falls under the supermarket category to earn the bonus. You should keep an eye on your credit card statement (or call your issuer) to make sure your favorite grocery store falls under the right MCC code.

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Should I buy groceries with a credit card?

Before you use a credit card for any purchase, you should consider whether you have the funds and the discipline to pay it off in time. That said, credit cards can be a convenient and rewarding way to cover ongoing purchases that constitute a large part of most people's budgets. You can get up to 6% cash back on $6,000 worth of purchases with some of the picks on this page, or up to $360 in bonus cash back — that's enough to get free groceries on a round of shopping.

How to pick the best credit card for groceries

Choosing the best credit card for grocery shopping ultimately comes down to what you need from a card. You'll need to consider things like how often you spend on groceries, what you typically spend monthly or yearly at supermarkets, which supermarket brands you frequent most and what you're willing to pay in terms of an annual fee.

As you compare grocery rewards credit cards, consider the following key criteria:

When choosing the best grocery store credit card, consider how rewards work in terms of:

  • Rewards rate per $1 spent
  • Whether rewards are capped or unlimited
  • Reward tiers
  • Rotating bonus categories

If you want to keep things as simple as possible, then a card that offers flat-rate, unlimited cashback rewards might be the best fit. But the trade-off may be earning a lower rewards rate compared to a card that offers tiered rewards or rotating bonus categories. Do the math to see how much you could earn in rewards with different types of cards, based on what you typically spend on groceries each year.

A sign-up bonus could make one grocery store credit card more tempting than another — but first consider how much you have to spend to qualify for it. If a card would require you to spend more than you normally would to get the bonus and you're not able to pay those purchases off right away, the interest you might pay could outweigh the value of any additional rewards you earn.

Whether it makes more sense to choose a grocery store credit card that offers points or cash back depends on how you prefer to redeem rewards. For example, if you're hoping to earn rewards toward travel then you might lean toward a card that earns points on grocery stores and other purchases. However, cash back could be more attractive if you normally apply rewards as a statement credit.

Paying an annual fee for a grocery store credit card may be justifiable if you're earning a substantial amount of rewards each year or the card comes with some tantalizing extras, such as premium travel benefits. A simple way to determine if an annual fee is worth it is to estimate what you could earn in rewards annually and add that to the value of other card benefits. If the combined value of rewards and benefits doesn't exceed the annual fee, you may be better off shopping for a different card.

As mentioned, some grocery store credit cards place a cap on rewards. Once you reach a certain spending threshold, your rewards rate for grocery purchases decreases. This isn't necessarily a bad thing if your usual grocery spending is under the cap, or right at it. But if you anticipate spending more than the cap allows, you may be able to earn more back with a card that offers a lower, but unlimited, rewards rate instead.

If you're shopping for the best grocery store credit card options, take time to weigh any other benefits a card might offer. For example, some grocery store cards offer items like travel protections, dining benefits and entertainment benefits. The more "extras" a card comes with, the more its value increases, assuming that you're taking advantage of those added benefits.

What about online shopping during the pandemic?

If you’ve switched to delivery services like Instacart, or you’re ordering through a store's website for curbside delivery, you may be wondering if your online purchases count as "groceries." Many cards, in fact, do count these purchases as groceries, but you should check your statement, or call your issuer to confirm.

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How to compare credit cards for groceries

To compare credit cards for groceries, you should try to estimate how rewarding each card will be for you. Do the following calculations:

  1. Estimate how much you're likely to spend in each card's earning categories and multiply this by the earning category multiplier (as an example, for the Blue Cash Preferred® Card from American Express: 6% cash back * $6,000 = $360)
  2. Add in the value of the welcome offers (as long as you think you can meet the spending threshold)
  3. Subtract the cards' annual fees to determine the first year value
  4. Don't forget to compare other benefits on the cards, like purchase protection and travel insurance

As you can see from this sample comparison, the annual fee on the Blue Cash Preferred® Card from American Express may be well worth it (especially since it's waived in the first year):

Blue Cash Preferred<sup>®</sup> Card from American Express
Blue Cash Preferred® Card from American Express
Blue Cash Everyday<sup>®</sup> Card from American Express
Blue Cash Everyday® Card from American Express
Earning rate6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations. 1% cash back on other purchases. Terms apply.
Rewards earned ($6,000 U.S. supermarket purchases, $2,000 U.S. gas station purchases, $7,000 general purchases )$490$290
Welcome offer$300 back after you spend $3,000 in purchases on your new Card within the first 6 months.Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Value of rewards$640$390
Annual fee$0 introductory annual fee for the first year, then $95 See rates and fees$0 See rates and fees
First year value$640$390
Other notable benefits
  • Car rental insurance
  • Return protection
  • Terms apply
  • Car rental insurance
  • Terms apply
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website

Note that the value of the cards will drop in the second year after you've earned the welcome bonus, so you should also consider how rewarding the cards will be in the long run.

How to make the most of a credit card for groceries

If you're using a grocery store credit card, or plan to, there are some do's and don'ts to keep in mind. As you use your card to buy groceries or make other purchases at supermarkets, here are a few helpful tips to remember:

  • Choose the right card. This review has highlighted the best grocery store credit card options but it's important to pick the card that works best for you, based on how you spend.
  • Be aware of spending caps. Some grocery store credit cards offer unlimited rewards, while others cap rewards once you reach a set spending limit. If you have a card with a spending cap, you may consider pairing it with another card that offers unlimited grocery rewards to maximize points or cash back.
  • Pay in full. Paying off grocery store purchases or other purchases month to month can help you avoid interest charges which could otherwise eat away at any rewards you're earning.
  • Look beyond grocery rewards. When choosing a rewards card for grocery spending, consider what other benefits it may offer. For example, you may be interested in travel perks or entertainment benefits, so be sure to consider what else you get with a particular card.
  • Redeem wisely. If you want to save money on grocery spending, the easiest way to do that may be redeeming cash back or points earned with your card as a statement credit. But consider how much redemption value you'll get applying points or cash back.

Unlock free travel with your grocery shopping

If you're interested in leveraging your grocery store trips to enjoy free travel, keeping an eye out for bonus offers is one way to do it.

For example, the American Express® Gold Card could help you bank extra points toward travel. Right now, this card offers 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. You can earn 4X points per $1 on the first $25,000 in grocery purchases each year. If you qualify for the bonus and max out the rewards rate for groceries, you could earn 60,000 Membership Rewards Points. If you're using those points to book flights through Amex Travel they'd be worth $750.

When looking for ways to use grocery shopping to earn travel rewards, pay attention to timing. Some bonus offers are only temporary, which means you'll need to act fast to take advantage of them to earn additional rewards toward travel.

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FAQs about grocery credit cards

What is the best credit card for groceries?

Again, there's no single answer to this question. The best credit card for groceries is the one that allows you to earn the type of rewards you prefer, redeem them how you want to and pay an annual fee that you're comfortable with. It's also important to consider other card features, such as travel benefits and the regular purchase APR, when choosing a grocery store credit card.

Why use a grocery credit card?

Using a grocery store credit card to earn cash back or points could save you money if you're applying those rewards as a statement credit or redeeming them for cash. Whether you spend a little or a lot on groceries each month, being able to earn back some of what you spend is effectively like getting a discount on those purchases.

Does Costco fall under the grocery category?

When applying rewards, credit card companies can use merchant category codes (MCCs) to distinguish grocery stores from other types of retailers. Costco is a wholesale club, which is coded differently from grocery stores. So technically, you wouldn't earn grocery rewards if you shop at Costco using a grocery store credit card, though you would still get 2% back if you used a Costco Anywhere Visa.

Does Walmart fall under the grocery category?

Determining whether Walmart is a grocery store can be a bit trickier, depending on the card issuer. While Walmart superstores may be coded as grocery stores for MCC purposes, credit card issuers may choose to code them differently as they don't exclusively sell groceries. If you're unsure of how a particular card codes Walmart grocery purchases, check the terms and conditions or contact the card issuer for clarification.

Can I pay for groceries with a credit card?

Yes. Generally, you can pay for groceries with a credit card if you're shopping at a location that accepts credit. You can also link a grocery store credit card to a mobile wallet or payment app, such as Google Pay or Apple Pay, to make purchases in-store or online.

Which method of payment is recommended for purchasing groceries?

The method of payment you choose for purchasing groceries can depend on how you prefer to spend and budget your money. If you use the cash envelope budget method, for example, you may choose to pay cash only. Using a credit card is also an option if you'd like to earn rewards on grocery purchases, something you typically don't get with a debit card. If you're using a grocery store credit card, however, keep in mind that carrying a balance month to month can increase the cost of those purchases if you're paying interest.

What credit card does Costco accept?

Costco only accepts Visa credit cards in-store (which means American Express, Discover and Mastercards are not an option). However, you can use Mastercard and Discover at Costco.com.

What credit card does Walmart accept?

Walmart accepts a wide variety of payment methods, including American Express, Discover, Mastercard and Discover.

Recap of the best credit card for groceries of 2022

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

For rates and fees of Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of Blue Cash Everyday® Card from American Express, please click here.

For rates and fees of American Express® Gold Card, please click here.

The information related to the Capital One® Savor® Cash Rewards Credit Card, Amazon Prime Rewards Visa Signature Card, Discover it® Secured Credit Card, Discover it® Cash Back, Kroger REWARDS World Mastercard®, Capital One® Walmart Rewards® Card, Amazon Prime Rewards Visa Signature Card, Harris Teeter REWARDS World Mastercard®, Meijer Credit Card, Smith's REWARDS World Mastercard® and Shoprite Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).