Best Grocery Credit Cards of 2021

Best Grocery Credit Cards of 2021

We researched credit cards to determine which ones offer the best benefits when you shop for groceries. We compared cards based upon the rewards earned for grocery shopping, the value of all the benefits and bonuses and how easy it is to use the card.

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.

Citi is an advertising partner.

Groceries are expensive and can put a big dent in anyone's budget, especially families. To aid consumers, we set out to find the best credit card for groceries of 2021. Some of the cards on our list can save you as much as 6% on a trip to the supermarket. We've outlined several top cards so that you can choose the right credit card for you.

Recommended Cards

Credit Needed
Annual Fee
Blue Cash Everyday® Card from American ExpressExcellent/Good$0 See Rates & Fees
Citi® Double Cash Card – 18 month BT offerExcellent/Good$0
Discover it® Secured Credit CardLimited/Bad/PoorSee terms
Blue Cash Preferred® Card from American ExpressExcellent/Good$0 introductory annual fee for the first year, then $95 (See Rates & Fees)
American Express® Gold CardExcellent/Good$250 (See Rates & Fees)
Discover it® Cash BackExcellent/GoodSee terms

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Best Credit Card for Supermarkets With No Annual Fee

Blue Cash Everyday® Card from American Express

$0

13.99%-23.99% Variable

Excellent/Good

  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • 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

Whether you're part of a large family or living solo, the Blue Cash Everyday® Card from American Express is one of the most rewarding cards because it awards users with 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 and at select U.S. department stores. 1% cash back on other purchases. On top of great ongoing rewards, the Blue Cash Everyday® Card from American Express offers a decent welcome offer. Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months. We've seen bigger bonuses on other cards, but the Blue Cash Everyday® Card from American Express offers enough benefits to still be considered among our favorite cards.

Estimated Annual Savings at Supermarkets: $119

Pros:

  • Annual Fee: $0 See Rates & Fees.
  • High cash back rate at U.S. gas stations and at select U.S. department stores.

Cons:

  • Welcome bonus could be more lucrative.
  • You can get a higher cash back rate if you're willing to pay an annual fee.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click See Rates & Fees.

Runner-Up Option

Citi® Double Cash Card – 18 month BT offer

  • On Citibank's Secure Website

$0

13.99% – 23.99% (Variable)

Excellent/Good

  • 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 Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Our Thoughts

The Citi® Double Cash Card – 18 month BT offer has two great things going for it: It offers a high 2% effective cash back rate on all purchases, and it's easy to use. As a grocery shopper, this means you'll Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. While this isn't the best cash back rate for groceries, we believe this card's simplicity makes it a great card for most. The card is also great for high spenders since there's no maximum cap on the cash back you can earn. If you're someone who doesn't want to have to think about what card to use on certain purchases, you'll get the most out of the Citi® Double Cash Card – 18 month BT offer.

Estimated Annual Savings on Groceries: $79

Pros:

  • Annual Fee - $0
  • A high effective Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • No caps on the amount you can spend and no rotating categories.

Cons:

  • No sign-up bonus while other cards offer at least $150.
  • 3% foreign transaction fees mean rewards earned abroad are effectively negated.

Best Credit Card for Groceries for Bad Credit

Discover it® Secured Credit Card

Our Thoughts

The Discover it® Secured Credit Card is one of a limited number of cards that offers rewards to people with bad credit. The Discover it® Secured Credit Card offers 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. Compared to cards geared toward people with excellent credit, this 1% on groceries is a decent offer, but it's among the best rewards rates on groceries for people with bad credit. While the card does require a security deposit, it's 100% refundable.

Estimated Annual Savings on Groceries: $40

Pros:

  • One of the few cards for people with bad credit that earns rewards.
  • 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. Just a dollar-for-dollar match.

Cons:

  • Requires a refundable security deposit.

Best Credit Card for Supermarkets (w/ Annual Fees)

Blue Cash Preferred® Card from American Express

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

13.99%-23.99% Variable

Excellent/Good

  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 introductory annual fee for one year, then $95.
  • 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.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • 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 a step up from the Blue Cash Everyday® Card from American Express, but in return for 6% cash back at U.S. supermarkets (up to $6,000 per year) you'll have to pay a $0 introductory annual fee for the first year, then $95 annual fee (See Rates & Fees). Assuming you're spending $6,000 per year at U.S. supermarkets, the Blue Cash Preferred® Card from American Express could get you as much as $360 in cash back rewards every year.

Estimated Annual Savings at Supermarkets: $238

Pros:

  • A welcome offer with a low spending requirement.
  • One of the highest cash back rates for U.S. supermarket spending.

Cons:

  • $0 introductory annual fee for the first year, then $95 annual fee.
  • The high cash back rate is limited to U.S. supermarkets, meaning it has little value to frequent international travelers.

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

Runner-Up Option

American Express® Gold Card

$250

See Pay Over Time APR

Excellent/Good

  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • 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 on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: 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.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Our Thoughts

The American Express® Gold Card does two things very well: It offers a highly competitive 4% rewards rate on restaurants worldwide and at U.S. supermarkets. The latter is capped at $25,000 per year, but assuming you manage to hit the cap, we estimate that the rewards you earn would be worth approximately $1,000. Due to its high rewards rate and generous cap at U.S. supermarkets, we recommend this card to everyone who spends thousands of dollars at supermarkets every month, like chefs and caterers. While the card packs a $250 annual fee, it offers worthwhile rewards and even some unique perks like an annual $120 dining credit and an annual up to $120 in Uber Cash.

Estimated Annual Savings at Supermarkets: $158

Pros:

  • A high rewards rate at U.S. supermarkets (on up to $25,000 per year, then 1%)
  • $120 annual dining credit.
  • Up to $120 annual Uber Cash for Uber rides or Uber Eats. Your American Express® Gold Card needs to be added to your Uber app in order to receive this monthly Uber Cash benefit.
  • None foreign transaction fees.

Cons:

  • $250 annual fee (See Rates & Fees).
  • Weak welcome bonus relative to the card's annual fee.

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

Best Credit Card for Groceries with Rotating Categories

Discover it® Cash Back

Our Thoughts

The Discover it® Cash Back functions similar to the Chase Freedom Flex℠ (listed below) in that it has quarterly categories where users can earn 5% cash back at different places each quarter each time they activate (up to the quarterly maximum). Purchases outside of the bonus categories earn just 1% back. Much like Chase has done on the Chase Freedom Flex℠, Discover has historically offered grocery stores and wholesale clubs as part of the 5% cashback bonus calendar. For 2021, the categories include grocery stores, Walgreens and CVS (January-March), gas stations, select streaming services and wholesale clubs (April-June), restaurants and PayPal (July-September), Amazon.com, Target.com and Walmart.com (October-December).

The better card between these two will ultimately depend on whether you want a fixed sign-up bonus through the Chase Freedom Flex℠ or a year one cash back match that varies with your spending like the Discover it® Cash Back offers.

Estimated Annual Savings on Groceries: $79 (assumes 5% cash back for one quarter and 1% for three quarters)

Pros:

  • Earn a $200 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • Use your rewards for Amazon purchases.

Cons:

  • There's no telling which categories will be featured as cash back bonus categories next year.

The information related to the Discover it® Secured Credit Card and the Discover it® Cash Back has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

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).