The Best Credit Cards for Groceries of 2024 | Up to 6% Cash Back
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In the latest inflation data, the cost of groceries increased by 5.8% in 2023. As a result, saving money at the supermarket continues to be a priority. One way to save money is to use a credit card that offers excellent cash back on groceries.
These cards give you a percentage back on what you spend, thus saving you money. Some credit cards, as you’ll see below, pay enhanced rewards for purchases at grocery stores. With that in mind, here’s our list of the best credit cards for groceries.
- Best Credit Cards for Groceries
- Blue Cash Preferred® Card from American Express–6% Cash Back
- Citi Custom Cash® Card
- Prime Visa–5% Cash Back
- Blue Cash Everyday® Card from American Express
- American Express® Gold Card
- Capital One Savor Rewards Credit Card
- Capital One SavorOne Cash Rewards Credit Card
- TD Cash Credit Card
- Chase Freedom Unlimited®
- Chase Freedom Flex(SM)–5% Cash Back
- PenFed Platinum Rewards Visa Signature® Card
- Instacart Mastercard®
- Store Brand Credit Cards
- FAQ
Best Credit Cards for Groceries
The best credit cards for grocery shopping pay at least 3% in rewards. Here are our top supermarket cards from all issuers.
Blue Cash Preferred® Card from American Express–6% Cash Back
The Blue Cash Preferred® Card from American Express is arguably the best-known grocery store credit card. It pays 6% cash back on the first $6,000 in grocery purchases each year. You’ll also earn 6% back on select streaming services and 3% on gas. There is an annual fee, but the cash back should more than make up for it.There’s also a welcome bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Important: Superstores and warehouse clubs are not considered supermarkets. So if you buy your groceries at Costco, Target, or Walmart, you won’t earn the 6% cash back.
Rewards:
- Welcome Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- 0% Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 19.24% - 29.99%
- Annual Fee: $0 intro annual fee for the first year, then $95.
*Terms Apply
Read our Blue Cash Preferred® Card from American Express Review
Citi Custom Cash® Card
The Citi Custom Cash® Card is a good choice if you want 5% cash back but don’t want to keep track of rotating categories. You simply get 5% cash back in whatever category you spend the most money in, without having to change every month. So, you can conceivably get 5% cash back on grocery store purchases all the time. There is a cap of $500 a month, though.Rewards:
- Welcome Offer: Earn $200 in cash back after you spend $1500 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: Get 0% on purchases and balance transfers for the first 15 months After that, your rate will be 19.24% - 29.24% variable, depending on creditworthiness.
- Annual Fee: $0
Read our Citi Custom Cash® Card Review
Prime Visa–5% Cash Back
We shop at Whole Foods, so the Prime Visa is an important part of our cash back strategy. You get 5% cash back at Whole Foods (no spending cap) and at Amazon. There’s also no annual fee, although Amazon Prime membership is required.Rewards:
- Welcome Offer: Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
- 0% Intro APR: N/A
- Annual Fee: $0
Read our Prime Visa Review
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express is the best no-fee (see Rates & Fees) Amex grocery store credit card. You earn 3% cash back on up to $6,000 a year in supermarket purchases. You can also earn a welcome bonus.Rewards:
- Welcome Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- 0% Intro APR: Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% - 29.99% variable APR.
- Annual Fee: $0
*Terms Apply
Read our Blue Cash Everyday® Card from American Express Review
American Express® Gold Card
While most think of the American Express® Gold Card as a dining and travel card, it also pays 4x Membership Rewards points on groceries. And while spending is capped, it’s much higher than the Blue Cash Preferred cap. You can earn 4x points on up to $25,000 a year in supermarket purchases.Rewards:
- Welcome Offer: Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- 0% Intro APR: N/A
- Annual Fee: $250
*Terms Apply
Read our American Express® Gold Card Review
Capital One Savor Rewards Credit Card
The Capital One Savor Rewards Credit Card pays 3% cash back at grocery stores. Add to that 4% back on dining and entertainment and a generous signup bonus, and this no-annual-fee card is a solid option.Rewards:
- Welcome Offer: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
- 0% Intro APR: N/A
- Annual Fee: $95
Read our Capital One Savor Rewards Credit Card Review
Capital One SavorOne Cash Rewards Credit Card
The Capital One SavorOne Cash Rewards Credit Card pays 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), dining, entertainment, and streaming services. There’s also a welcome bonus and no annual fee.Rewards:
- Welcome Offer: $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- 0% Intro APR: 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months.
- Annual Fee: $0
Read our Capital One SavorOne Cash Rewards Credit Card Review
TD Cash Credit Card
The TD Cash Credit Card pays 2% cash back on groceries, and 3% cash back on dining, including takeout and delivery orders when you open your card. After that, you choose whatever categories you want to earn 3% and 2% cash back. All other purchases earn 1% cash back, and there’s no annual fee.For a limited time, you can earn 5% on grocery store purchases for 6 months or up to a $6,000 spend. There’s also a 0% intro APR on balance transfers for for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness months.
Rewards:
- Welcome Offer: Earn $200 Cash Back when you spend $500 within the first 90 days after account opening.
- 0% Intro APR: get 0% APR on Balance Transfers for for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness billing cycles after account opening
- Annual Fee: None
Read our Review
Chase Freedom Unlimited®
The Chase Freedom Unlimited® is a great cash back card. While it doesn’t offer an enhanced reward rate for grocery store purchases, it could easily serve as a single card for all purchases, including groceries.The card also offers an excellent welcome bonus.
Rewards:
- Welcome Offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
- 0% Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- Annual Fee: $0
Read our Chase Freedom Unlimited® Review
Chase Freedom Flex(SM)–5% Cash Back
The Chase Freedom Flex(SM) is one of the best all-around cash back credit cards. In terms of groceries, it offers up to 5% cash back in rotating categories that change each quarter (capped at $1,500 in purchases). These rotating categories may include grocery store purchases. The card also offers a signup bonus.Rewards:
- Welcome Offer: Earn a $200 bonus
- 0% Intro APR: 0% Intro APR for 15 months months from account opening on purchases and balance transfers, then a variable APR of 20.49%–29.24%.
- Annual Fee: $0
Read our Chase Freedom Flex(SM) Review
PenFed Platinum Rewards Visa Signature® Card
PenFed Platinum Rewards Visa Signature® Card offers 3x points at supermarkets, and unlike many other cards, it includes Walmart and Target purchases. There’s a lot to like about this card: a small welcome bonus, great rewards, 0% on balance transfers, and no annual fee.Rewards:
- Welcome Offer: 15,000 Bonus Points when you spend $1,500 in first 90 days
- 0% APR: Get 0% APR on balance transfers for 12 months.
- Annual Fee: No Annual Fee
Read our PenFed Platinum Rewards Visa Signature® Card Review
Instacart Mastercard®
Instacart Mastercard® gets you a free year of Instacart (subject to automatic renewal), a $100 Instacart credit, plus 5% cash back on Instacart purchases. If you use Instacart to make your life easier, this card is a great deal.Rewards:
- Welcome Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
- 0% APR: None
- Annual Fee: $0
Store Brand Credit Cards
If you shop for groceries at specific stores, the store-branded credit cards often offer excellent rewards. I already mentioned the Amazon Prime Rewards Visa Signature above. It earns 5% cash back on purchases at Whole Foods.
Here are some other store-specific cards to consider.
Target RedCard: The Target RedCard pays 5% cashback on Target purchases in the store and online. The 5% even applies to purchases at Starbucks in Target stores. The card comes as either a credit card or a debit card. The debit card version made our list of the best prepaid cards.
Costco Anywhere Visa Card by Citi: the Costco Anywhere Visa® Card by Citi pays 2% cash back on all purchases at Costco and Costco Online. Frankly, as a grocery store credit card, it’s mediocre. The problem is that many of the other cards listed above don’t pay the enhanced rewards on groceries purchased at Costco or other wholesale clubs. As such, it can be your best bet on Costco. On the brighter side, it pays 4% cash back on gas and 3% back on restaurants and eligible travel purchases.
FAQ
Is a grocery store credit card worth it?
If you spend a lot of money on groceries, as many families do, a card that pays extra rewards at the supermarket can be worth it. Just make sure to consider the overall value of the card, including purchases in other categories.
What is the best credit card for groceries?
The answer depends on where you buy groceries. The highest cash back for all grocery stores is the Blue Cash Preferred® Card from American Express. If you shop at Whole Foods, however, the Amazon Prime card is the best option. For superstores and warehouses, branded cards are the best option.