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Best Grocery Credit Cards of 2019

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

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 2019. 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 NeededAnnual Fee
Blue Cash Everyday® Card from American ExpressGood/Excellent$0 (See Rates & Fees)
Citi® Double Cash CardGood/Excellent$0
Discover it® SecuredPoor/New/Rebuilding$0
Blue Cash Preferred® Card from American ExpressGood/Excellent$95 (See Rates & Fees)
American Express® Gold CardGood/Excellent$250 (See Rates & Fees)
Discover it® Cash BackGood/Excellent$0
Chase Freedom®Good/Excellent$0

Best Credit Card for Supermarkets With No Annual Fee

On American Express' Secure Website

Blue Cash Everyday® Card from American Express

On American Express' Secure Website
Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Earn a $150 statement credit 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% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • Earn a $150 statement credit 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% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
Annual Fee
$0
Regular APR
15.24%-26.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good, Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

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—compared to the industry average of 1% to 1.5%. The 3% cash back is limited to the first $6,000 in purchases every year, but you'll still earn a solid 1% afterward. On top of great ongoing rewards, the Blue Cash Everyday® Card from American Express offers a decent $150 bonus if you're able to spend $1,000 within the first three 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:

  • No annual fee (See Rates & Fees).
  • High cash back rate of 2% 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 here.

Runner-Up Option

On Citi's Secure Website

Citi® Double Cash Card

On Citi's Secure Website
  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.*
  • Balance Transfers do not earn cash back
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.*
  • Balance Transfers do not earn cash back
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Annual Fee
$0*
Regular APR
15.74% - 25.74%* (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Our Thoughts

The Citi® Double Cash Card 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 get 1% back when you check out at the register and another 1% back as you pay for your 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.

Estimated Annual Savings on Groceries: $79

Pros:

  • No annual fee.
  • A high effective 2% cash back rate on every purchase (1% when you buy and another 1% when you pay).
  • No caps on the amount you can spend and no rotating categories.

Cons:

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

Best Credit Card for Groceries for Bad Credit

On Discover's Secure Website

Discover it® Secured

On Discover's Secure Website
INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Annual Fee
$0
Regular APR
25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Our Thoughts

The Discover it® Secured is one of a limited number of cards that offers rewards to people with bad credit. The Discover it® Secured offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% back on all other spending, including grocery stores. 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:

  • No annual fee.
  • One of the few cards for people with bad credit that earns rewards.
  • Discover matches all the cash back you've earned at the end of year one.

Cons:

  • Requires a refundable security deposit.
  • The card has a high ongoing APR.

Best Credit Card for Supermarkets (w/ Annual Fees)

On American Express' Secure Website

Blue Cash Preferred® Card from American Express

On American Express' Secure Website
Earn a $250 statement credit after you spend $1,000 in purchases on your new Card
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%
  • $95 annual fee.
  • Terms Apply.
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%
  • $95 annual fee.
  • Terms Apply.
Annual Fee
$95
Regular APR
15.24%-26.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good, Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

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 $95 annual fee (See Rates & Fees). The math on whether you spend enough to justify paying the annual fee gets a bit messy, so we recommend using our personalized comparison tool to see which card is best for you. 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 bonus with a low spending requirement.
  • One of the highest cash back rates for U.S. supermarket spending.

Cons:

  • $95 annual fee.
  • The 6% 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

On American Express' Secure Website

American Express® Gold Card

On American Express' Secure Website
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • 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.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • 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.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Annual Fee
$250
Regular APR
See Rates & Fees
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good, Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

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 a $120 dining credit.

Estimated Annual Savings at Supermarkets: $158

Pros:

  • A high 4% rewards rate at U.S. supermarkets (on up to $25,000 per year, then 1%)
  • $120 annual dining credit.
  • No 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

On Discover's Secure Website

Discover it® Cash Back

On Discover's Secure Website
Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Annual Fee
$0
Regular APR
14.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Our Thoughts

The Discover it® Cash Back functions similar to the Chase Freedom® (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®, Discover has historically offered grocery stores and wholesale clubs as part of the 5% cashback bonus calendar. For 2019, the categories include grocery stores (January-March), gas stations, Uber & Lyft (April-June), restaurants and PayPal (July-September), Amazon.com, Target, 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® 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:

  • No annual fee.
  • Discover will match all the cash back you've earned at the end of your first year.
  • Use your rewards for Amazon purchases.

Cons:

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

Runner-Up Option

On Chase's Secure Website

Chase Freedom®

On Chase's Secure Website
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
Annual Fee
$0
Regular APR
17.24% - 25.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Our Thoughts

The Chase Freedom® offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. In the past, some of these bonus categories have included grocery stores. While the cap is pretty low at $1,500, maximizing your spend in the bonus categories equates to $75 in rewards each quarter. Of course, the downside is that "grocery stores" isn't a bonus category every quarter, meaning you'll be earning just 1% cash back during some quarters. Keep in mind that sometimes the bonus category will be "wholesale clubs," which means you can earn 5% cash back at places like Sam's Club and Costco.

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

Pros:

  • No annual fee.
  • Doubles up as a great card for everyday spending.
  • Cash back rewards don't expire, so you can take your time accumulating rewards.

Cons:

  • The cash back calendar won't always feature grocery stores.
  • 5% cash back is limited to $1,500 each quarter.

Compare the Best Credit Cards for Groceries

If you're still not sure which credit card is best for your grocery expenses, use our card comparison tool below. The tool allows you to enter your own monthly expenses, and it will then calculate an estimate on the amount of rewards each card can get you over a two-year period.

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{"cardCategory":"rewards","cardIds":"9,251,1040,8,13,65,35","initialResultsLimit":5,"endpoint":"https:\/\/creditcards.valuepenguin.com\/api\/creditcards\/models\/rewards","onCurrent":"true"}
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.

Comments and Questions

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).