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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
Blue Cash Preferred® 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.|
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|
|No annual fee||
Blue Cash Everyday® 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.|
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Best credit card for groceries overall
Blue Cash Preferred® 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.
- 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.
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
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.
- 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.
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
$200 statement credit after you spend $2,000 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.
- 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.
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
For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
- 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).
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
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 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.
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
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- 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
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
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
- 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
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
- 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.
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℠
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
- 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.
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
Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
- 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
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
$40 off a future qualifying purchase over $40 when approved for a RedCard
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).
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 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)
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.
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
Major grocery chains with co-branded credit cards
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.
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
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.
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:
- 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)
- Add in the value of the welcome offers (as long as you think you can meet the spending threshold)
- Subtract the cards' annual fees to determine the first year value
- 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):
|Earning rate||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.||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 offer||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|
|First year value||$640||$490|
|Other notable benefits|
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.
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
- Best overall: Blue Cash Preferred® Card from American Express
- Best for a dedicated grocery card: Citi Custom Cash℠ Card
- Best for no-annual-fee: Blue Cash Everyday® Card from American Express
- Best for a flat-rate: Citi® Double Cash Card – 18 month BT offer
- Best for points: American Express® Gold Card
- Best for dining: Capital One Savor Cash Rewards Credit Card
- Best for Whole Foods: Amazon Prime Rewards Visa Signature Card
- Best for wholesale clubs: Costco Anywhere Visa® Card by Citi
- Best bad credit: U.S. Bank Altitude Go Visa Secured Card
- Best for rotating categories: Discover it® Cash Back
- Best for online shopping: Instacart Mastercard®
- Best for Target: Target REDcard
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.
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.