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10 Best Credit Cards for Groceries of 2022

10 Best Credit Cards for Groceries of 2022

The best credit card for groceries overall is the Blue Cash Preferred® Card from American Express. It offers generous cash back rewards for U.S. supermarket purchases and 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. Citi is an advertising partner.

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A grocery store credit card can help you save money with every trip to the supermarket, as these cards allow you to earn points or cash back on every purchase.

The best grocery credit cards offer at least 2% back in rewards on grocery purchases. To find the best card for you, analyze your spending habits to see what type of grocery card will benefit you most. 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
Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.660 - 850$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 cash back after you spend $1,500 on purchases in the first 6 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

Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 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
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® Card from American Express

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

Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

$95

16.99%-27.99% Variable

660 - 850

  • Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 16.99%-27.99%.
  • 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 It fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a fixed 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.
  • 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.
  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
  • $95 Annual Fee.
  • Terms Apply.

  • One of the most rewarding cards for U.S. supermarkets.
  • You'll have to pay an annual fee: $95
  • 6% back rewards rate on U.S. supermarket purchases is limited to the first $6,000 you spend each year.

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

The Blue Cash Preferred® Card from American Express is one of the best grocery store card options for people who want to earn a high cash back rewards rate at U.S. supermarkets as well as on other everyday purchases. Though it has a $95 annual fee, the rewards can easily make up for the fee.

You could earn $360 in cash back per year just on eligible U.S. supermarket purchases by spending around $500 per month. This card could be a suitable pick for families who spend regularly on groceries and want a simple way to save on food budgets.

Best credit card for groceries only

Citi Custom Cash℠ Card

On Citibank's Secure Website

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

$0

16.99% - 26.99% (Variable)

660 - 850

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 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 16.99% - 26.99%, 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.

  • $0 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

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 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.
  • It doesn't charge an annual fee.

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, which puts it ahead for supermarket purchases once you subtract the annual fee from the earnings ($300 in annual earnings for the Citi Custom Cash℠ Card versus $265 in earnings for the Blue Cash Preferred® Card from American Express).

Best credit card for groceries and no annual fee

Blue Cash Everyday® 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

16.99%-27.99% Variable

660 - 850

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 16.99% to 27.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Get $7 back each month after using your Blue Cash Everyday® Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.

  • $0 annual fee.
  • Low minimum spending requirement to qualify for the welcome offer.
  • 3% cashback rewards at U.S. supermarkets are capped at the first $6,000 in purchases.
  • Charges foreign transaction fees.

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

The Blue Cash Everyday® Card from American Express offers a high rate of cash back at U.S. supermarkets with a $0 annual fee. Not only can you use this for grocery purchases, but you'll also earn cash back at U.S. gas, U.S. online retail purchases and other purchases.

While the cashback rewards rate is less than what's offered by the Blue Cash Preferred® Card from American Express, the Blue Cash Everyday® Card from American Express does not charge an 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.

Best credit card for groceries with a flat-rate

Citi® Double Cash Card – 18 month BT offer

On Citibank's Secure Website

For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

$0

16.99% - 26.99% (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.
  • For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, 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).

  • $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 introductory APR of 0% for 18 months on Balance Transfers, followed by an APR of 16.99% - 26.99% (Variable)
  • May not be the best credit card for groceries if you're seeking a higher rewards rate.

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 a $0 annual fee.

Best credit card for groceries and points

American Express® 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 of Card Membership.

$250

18.99%-25.99% Variable

660 - 850

  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • 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.
  • Updated $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

  • Competitive welcome offer
  • One of the most rewarding cards for U.S. 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.
  • $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.

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

The American Express® Gold Card is the best grocery store card for people who'd rather earn points than cash back. This card comes with a generous welcome offer for eligible new members along with 4X points on U.S. supermarket purchases. There is a high annual fee to consider but spenders who frequently charge groceries, dining and travel could easily earn that back in valuable Membership Rewards points.

We value Membership Rewards points at around $0.22 per point, which means that rewards savvy cardholders can get around 6% back on U.S. supermarket purchases — a similar rate to the Blue Cash Preferred® Card from American Express, with a much higher annual cap ($25,000).

Best credit card for groceries and dining

Capital One Savor Cash Rewards Credit Card

Generic 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

17.49% - 25.49% (Variable)

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% at grocery stores (excluding superstores like Walmart® and Target®) and 1% on all other purchases 
  • 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

  • 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 cash back rewards rate.

The Capital One Savor Cash Rewards Credit Card rates as one of the best credit cards for dining and groceries if you're looking for unlimited cashback rewards. The Capital One Savor Cash Rewards Credit Card is perfect for foodies who want to earn rewards on all their food purchases since it offers a high rate of cash back on dining and groceries.

Rewards don't expire and there are multiple ways to redeem them. You also pay 0% foreign transaction fees for this card, which is a plus if you plan to spend on groceries or dining while traveling.

Best credit card for groceries at Whole Foods

Amazon Prime Rewards Visa Signature Card

  • 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.
  • Requires an Amazon Prime membership, which costs $139 per year.
  • Regular variable APR is on the higher side compared to some grocery store credit cards.

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. The card offers 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. — one of the highest rates around. There's a $0 annual fee and the unlimited rewards you can earn can be redeemed for cash or eligible Amazon purchases.

Best credit card for groceries at wholesale clubs

Costco Anywhere Visa® Card by Citi

On Citibank's Secure Website

$0

18.24% (Variable)

720 - 850

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas and EV charging purchases 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

  • 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 sign-up 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.

The Costco Anywhere Visa® Card by Citi rewards you with 2% at Costco & Costco.com. 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.

The card is an especially great option for gas purchases, offering 4% back on up to $7,000 in gas each year (at any gas station). 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.

Best credit card for groceries and bad credit

U.S. Bank Altitude Go Visa Secured Card

Generic art
Not available on ValuePenguin

No bonus

$0

28.24% variable

0 - 600

  • 4X points on dining and takeout.
  • 2X points at grocery stores, gas stations and on streaming services.
  • 1 point per $1 spent on other purchases.
  • No annual fee.

  • No annual fee
  • Easy approval
  • Helps build credit with responsible use
  • Earns rewards on everyday purchases
  • Requires security deposit
  • Credit limit is only as high as your security deposit

For those with bad credit looking for an attainable grocery credit card, the U.S. Bank Altitude Go Visa Secured Card offers cash back on groceries and everyday spending. Cardholders can earn 4X points on dining and takeout, 2X at grocery stores, gas stations and on streaming services, 1X on all other purchases.

Plus, you'll get a $15 credit for annual streaming service purchases like Netflix and Spotify. This credit card has no annual fee and is easy to be approved for for those with poor credit. Note that you'll need to put down a refundable security deposit between $300 to $5,000 to start, which will equal your initial credit line.

Best credit card for groceries with rotating categories

Chase Freedom Flex℠

On Chase's Secure Website

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$0

17.24% - 25.99% Variable

660 - 850

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% - 25.99%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

  • Strong earning rate on groceries
  • Generous sign-up bonus
  • Comes with valuable additional benefits like cell phone protection
  • Rotating bonus category is capped
  • You have to enroll in bonus categories each quarter

The Chase Freedom Flex℠ is the best credit card for groceries with rotating categories because of its strong earning rate, which includes both the potential to cover groceries purchases and automatic high rates in other everyday spending categories.

Cardholders can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. Besides this lucrative earning rate, the Chase Freedom Flex℠ does not charge an annual fee and also offers a valuable sign-up bonus.

Best credit card for groceries and online shopping

Instacart Mastercard®

On Chase's Secure Website

Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.

$0

17.24% - 25.99% Variable

660 - 850

  • Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
  • Earn 5% cash back on Instacart app and Instacart.com purchases
  • Earn 5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more
  • Earn 2% cash back at restaurants, gas stations and on select streaming services
  • Earn 1% cash back on all other purchases
  • No annual card fee

  • $0 annual fee
  • Excellent Instacart perks
  • Great rewards on everyday spending
  • The 5% cash back on travel only applies to purchases made over the phone

The Instacart Mastercard® from Chase is a top choice for groceries and online grocery shopping, as it offers substantial Instacart perks. If you regularly use Instacart to get your groceries delivered, there are few downsides to signing up for this card. In addition to 5% cash back on Instacart app and Instcart.com purchases, you get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Beyond your Instacart purchases, this card offers excellent cash back rates on everyday purchases as well.

Best credit card for groceries and Target

REDcard

Generic art
Not available on ValuePenguin

$40 off a future qualifying purchase over $40 when approved for a RedCard

$0

22.99% variable

See website for details

  • $0 annual fee
  • Excellent rewards rate on Target purchases
  • 5% discount applied automatically at the point of purchase
  • Valuable perks, including free two-day shipping
  • No sign-up bonus
  • High APR
  • You can only use the card at Target

For avid Target shoppers, the Target REDcard is the obvious choice as it can save you money on all your Target purchases. Cardholders enjoy a 5% back on all purchases you make in Target stores or on Target.com — the discount is applied automatically at the point of purchase, so you don't have to deal with redeeming rewards. Cardholders also receive free two-day shipping, an additional 30 days for returns and other valuable perks.

What is a grocery credit card?

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

Types of grocery credit cards

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).

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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.

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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 Chase Freedom Flex℠ 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 2022, since it covers several merchants that sell groceries, including:

  • Grocery stores (excluding Target® and Walmart®) and eBay (January–March)
  • Amazon.com and select streaming services (April–June)
  • Gas stations, car rental agencies, movie theaters, and select live entertainment (July-September)
  • TBD (October–December)
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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.

{"backgroundColor":"butter","content":"\u003C\/p\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Savor Cash Rewards Credit Card\" href=\"#Capital-One\"\u003E\u003Cstrong\u003ECapital One Savor Cash Rewards Credit Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E is the best credit card for groceries and dining since it offers an unlimited cashback bonus on dining, entertainment and grocery stores.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

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.

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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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Major grocery chains with co-branded credit cards

Store
Co-branded card?
Costco
KrogerKroger REWARDS World Mastercard®
Meijer
  • Meijer Credit Card
  • Meijer Mastercard
ShopriteShoprite Credit Card
Smith'sSmith's REWARDS World Mastercard®
Show All Rows

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.

Pros and cons of grocery credit cards

Pros

  • Earns rewards on your grocery purchases
  • Cards typically come with additional perks
  • Rewards are easy to earn

Cons

  • Cards typically earn cash back rewards rather than miles towards travel
  • Some groceries rewards categories are capped monthly or annually
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Who should get a grocery credit card?

Anyone who regularly spends money on groceries should consider getting a grocery card. If you frequent one particular grocery chain, like Kroger or Costco for example, you might also consider getting a co-branded grocery card, as they are likely to come with additional perks specific to shopping with that chain.

Families that spend a lot of money on weekly groceries can especially benefit from this type of credit card, as you'll earn rewards on the spending you were going to do anyway.

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:

1. Earning rate on groceries

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.

2. Sign-up bonus

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.

3. Points vs. cash back

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.

4. Annual fee vs. no annual fee

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.

5. Spending cap on

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.

6. Other card benefits

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.

Do online grocery purchases count towards points earning?

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%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 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 offerEarn a $350 statement credit 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$490
Annual fee$95 $0
First year value$640$490
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 maximize 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 of Card Membership. 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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Frequently asked questions

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.

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.

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.

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.

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.

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.

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.

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 Capital One Savor Cash Rewards Credit Card, U.S. Bank Altitude Go Visa Secured Card and REDcard has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

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).