Best Credit Cards for Groceries of 2025
| Best for Groceries and Dining | Best Overall | Unlimited 3% Cash Back at Grocery Stores | |
 |  |  | |
| American Express® Gold Card | Blue Cash Preferred® Card from American Express | Capital One Savor Cash Rewards Credit Card | |
| Our Partner | Our Partner | Our Partner | |
| Grocery Rewards | 4x points at U.S. supermarkets up to $25,000 a year, 1x point thereafter | 6% at U.S. supermarkets up to $6,000 each year, 1% thereafter | 3% at grocery stores |
| Welcome Offer | bonus_miles_full | bonus_miles_full | bonus_miles_full |
| Annual Fee | annual_fees (See here for rates and fees) | annual_fees (See here for rates and fees) | annual_fees |
4x points at U.S. supermarkets up to $25,000 a year, 1x point thereafter
6% at U.S. supermarkets up to $6,000 each year, 1% thereafter
3% at grocery stores
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The best credit cards for groceries can help you save by offering cash back or points for your supermarket or wholesale club purchases. Many of these cards also offer generous reward rates on restaurants and food delivery.
Read on to discover our top picks for best credit cards for groceries.
Our Top Picks for the Best Credit Cards for Groceries
- Blue Cash Preferred® Card from American Express: Best Overall
- Chase Freedom Flex®: Best for Grocery Perks
- Discover it® Cash Back: Best for First-Year Cashback Match
- American Express® Gold Card: Best for Groceries and Dining
- Citi Custom Cash® Card: for 5% Cash Back on Groceries
Best Credit Cards for Groceries Reviews
Best Credit Card for Groceries: Blue Cash Preferred® Card from American Express
- 6% back at U.S. supermarkets on up to the first $6,000 spent in a year, 1% thereafter
- 0% intro APR on purchases and balance transfers for 12 months
- $0 intro annual fee for the first year, then $95
- The $6,000 spending cap could be too low for large families
Terms apply. Click here for rates and fees.
- Welcome Offer
- Earn a $300 statement credit after you spend $3,000 in eligible purchases on your new card within the first 6 months.
- Insurance and Protection
- Car rental loss and damage insurance, return protection, purchase protection and extended warranty*
Intro APR: 0% on purchases for 12 months and 0% on balance transfers for 12 months │ Regular APR: 18.24% - 29.24% variable│ Annual Fee: $0 intro annual fee for the first year, then $95.
Why we chose it: The Blue Cash Preferred® Card from American Express offers the highest cash back rate for grocery shopping at 6%. This card is tailor-made for families, offering cash back for spending in multiple categories.
While the $6,000 spending limit might seem low for some grocery budgets, that’s $360 in cash back if you spend that amount — in addition to what you’ll earn at the rate of 1% once you reach the cap.
This card offers plenty of rewards when it comes to other household expenses as well. To start, its 6% cash back in select streaming services is no small reward, considering the average American spends between $30 and $50 a month on popular streaming services.
The card’s transit category is rare, as well. It yields 3% on almost all types of transportation-related expenses, from rideshares to tolls and trains. Whether you live in a city with a lot of public transportation or you commute long distances, you can earn rewards.
Despite the $95 annual fee after the $0 introductory rate for the first year, the Blue Cash Preferred® Card from American Express could be the right choice for your grocery spending.
Best for Grocery Perks: Chase Freedom Flex®
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Categories often include grocery stores, among others
- 5% on travel purchased through Chase Travel℠, 3% on dining at restaurants (including takeout and eligible delivery services), 3% on drugstore purchases, and 1% on all other purchases
- No annual fee
- To earn 5% cash back in rotating categories, you must activate the bonus each quarter
- Welcome Offer
- Earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening.
- Intro APR
- 0% introductory APR for 15 months from account opening on purchases and balance transfers; after the intro period, a variable APR of 19.49% – 28.24% applies.
Why we chose it: The Chase Freedom Flex® Credit Card provides substantial cash back opportunities across various spending categories, including groceries, dining and travel, all without an annual fee.
The Chase Freedom Flex® Credit Card is designed to maximize rewards across diverse spending categories. The 5% cash back rate applies to up to $1,500 in combined purchases in rotating quarterly bonus categories (upon activation).
Additionally, the card offers 5% cash back on travel purchased through Chase Travel℠, 3% on dining at restaurants (including takeout and eligible delivery services), 3% on drugstore purchases and 1% on all other purchases. Further, it offers a 0% introductory APR for 15 months on purchases and balance transfers.
Additional benefits include cell phone protection, purchase protection and extended warranty protection enhance the card's appeal.
Best for First-Year Cashback Match: Discover it® Cash Back
- 5% cash back on everyday purchases at different places each quarter, such as grocery stores, restaurants and gas stations, up to the quarterly maximum when you activate
- No annual fee
- 0% Intro APR† for 15 months on purchases and balance transfers
- To earn 5% cash back in rotating categories, you must activate the bonus each quarter.
- Intro APR
- 0% Intro APR for 15 months on purchases and balance transfers, and 3% Intro Balance Transfer Fee until May 10, 2025. Then 18.24% to 27.24% Standard Variable APR.
- Annual Fee
- $0
Why we chose it: The Discover it® Cash Back Card stands out as one of the best grocery store cards for its rotating 5% cash back categories, which often include groceries and no annual fee.
The Discover it® Cash Back Card is designed for individuals seeking to maximize rewards across various spending categories. With 5% cash back on rotating categories like grocery stores, restaurants and gas stations — up to the quarterly maximum when you activate — and unlimited 1% cash back on all other purchases, cardholders can earn significant rewards.
The Cashback Match™ feature effectively doubles your cash back at the end of your first year. Additionally, the card offers a 0% Intro APR for 15 months on purchases and balance transfers, followed by a standard variable APR, to save money on interest if you need to transfer a balance or make a large purchase.
Best for Groceries and Dining: American Express® Gold Card
- 4X Membership Rewards® points at U.S. supermarkets up to $50,000 a year (1X thereafter)
- 4X points per dollar spent at restaurants worldwide on the first $50,000 spent per calendar year, then 1X points thereafter
- Monthly $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S.
- $325 annual fee is high compared to other grocery cards
- 4X supermarket category excludes superstores and wholesale clubs
Terms apply. Click here for rates and fees.
- Welcome offer:
- Earn 90,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first 6 months of card membership.
- Insurance and protection:
- Car rental loss and damage insurance, baggage insurance plan, extended warranty, purchase protection and trip delay insurance*
Intro APR: N/A│ Regular APR: See Pay Over Time APR│ Annual Fee: $325
Why we chose it: With 4X points on both U.S. supermarkets and restaurants worldwide, the American Express® Gold Card is one of the best cards in the market, especially for foodies. Amex Gold’s 4X points at U.S. supermarkets is one of the highest reward rates for grocery store purchases.
Also, the $50,000 spending limit is six times higher than the cap on other grocery store cards like the Blue Cash Preferred® Card from American Express. If you actually reach that cap on the Gold card, you’d have accrued 200,000 points, which could be worth up to $20,000 depending on how you redeem them.
The card also offers 4X points for dining out. This benefit applies to restaurants worldwide, and, since the card also offers 3X points when booking your flights directly with airlines or through AmexTravel.com, it’s a great choice for travelers whose plans revolve around food.
While the $325 annual fee is pretty high, the American Express® Gold Card is a versatile option that yields high rewards and offers great benefits on almost anything food- and travel-related.
Best for 5% Cash Back on Groceries: Citi Custom Cash® Card
- 5% cash back on your top eligible spend category each billing cycle, up to the first $500 spent; 1% cash back thereafter. Eligible categories include grocery stores
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness
- No annual fee
- The 5% cash back rate applies only to the first $500 spent in your top category per billing cycle; subsequent purchases in that category earn 1% cash back
- Welcome Offer:
- Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Why we chose it: If groceries are your highest spending category, the Citi Custom Cash® Card awards 5% cash back up to $500 in purchases per month, with no annual fee. Cash back is awarded in the form of ThankYou points, and you’ll earn 5 points for each dollar spent in your most used category.
The Citi Custom Cash card also offers a 0% introductory APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness. If you need to transfer a balance from a higher APR card or make a large purchase, you could save some money on interest while grocery shopping.
Credit Cards for Groceries FAQs
What stores are considered grocery stores for credit cards?
Aside from the specific code for grocery stores/supermarkets, what issuers consider a grocery store can vary greatly. Some issuers include bakeries and specialty markets, while others don't. In most cases, however, both superstores and wholesale clubs are explicitly excluded.
Is it better to use credit or debit for groceries?
How We Chose the Best Credit Cards for Groceries
The best credit cards for grocery store rewards offer opportunities to earn extras on groceries and supermarket purchases. Along with sign-up bonuses and promos and low or no fees, the best cards for groceries can help lower your monthly bill.
| Grocery Rewards | Sign-Up Bonus | Fees | Other Perks |
| 40% | 30% | 20% | 10% |
- Grocery Rewards: Rewards that fit typical student spending patterns (e.g., dining, streaming) or small budgets.
- Sign-Up Bonus: Value of new cardholder bonuses including welcome offers.
- Fees: Preference for cards with lower fees than usually associated with cards for building credit.
- Other Perks: Purchase insurances (purchase protection, return protection warranties) or other extra card benefits.
Read our full methodology here.
Summary of Money's Best Credit Cards for Groceries
- Blue Cash Preferred® Card from American Express: Best Overall
- Chase Freedom Flex®: Best for Grocery Perks
- Discover it® Cash Back: Best for First-Year Cashback Match
- American Express® Gold Card: Best for Groceries and Dining
- Citi Custom Cash® Card: for 5% Cash Back on Groceries
To see rates and fees for the Blue Cash Preferred® Card from American Express, please visit this link. Terms apply.
To see rates and fees for the American Express® Gold Card, please visit this link. Terms apply.
To see rates and fees for the Blue Cash Everyday® Card from American Express, please visit this link. Terms apply.
* Insurance disclosures for American Express Cards on this page:
Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
Extended Warranty, Purchase Protection, Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.