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Published: Aug 21, 2023 24 min read

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Best for Online and Delivery Groceries
Highest Cash Back for GroceriesBest with No Annual FeeBest for Groceries and Dining
 Chase Sapphire Preferred® Credit Card Logo
Blue Cash Preferred® Card from American Express Logo
Capital One SavorOne Credit Card Logo
American Express® Gold Credit Card Logo
Chase Sapphire Preferred® CardBlue Cash Preferred® Card from American ExpressCapital One SavorOne Cash Rewards Credit CardAmerican Express® Gold Card
Our PartnerOur PartnerOur PartnerOur Partner
Grocery Rewards3x points on online grocery shopping

6% at U.S. supermarkets up to $6,000 each year, 1% thereafter

3% at grocery stores

4x points at U.S. supermarkets up to $25,000 a year, 1x point thereafter

Welcome Offerbonus_miles_full bonus_miles_fullbonus_miles_full bonus_miles_full
Annual Feeannual_fees annual_fees (See here for rates and fees)annual_fees annual_fees (See here for rates and fees)
Best for Online and Delivery Groceries
Chase Sapphire Preferred® Card
Our Partner
Learn More
Grocery Rewards
3x points on online grocery shopping
Welcome Offer
bonus_miles_full
Annual Fee
annual_fees
Highest Cash Back for Groceries
Blue Cash Preferred® Card from American Express
Our Partner
Learn More
Grocery Rewards

6% at U.S. supermarkets up to $6,000 each year, 1% thereafter

Welcome Offer
bonus_miles_full
Annual Fee
annual_fees (See here for rates and fees)
Best with No Annual Fee
Capital One SavorOne Cash Rewards Credit Card
Our Partner
Learn More
Grocery Rewards

3% at grocery stores

Welcome Offer
bonus_miles_full
Annual Fee
annual_fees
Best for Groceries and Dining
American Express® Gold Card
Our Partner
Learn More
Grocery Rewards

4x points at U.S. supermarkets up to $25,000 a year, 1x point thereafter

Welcome Offer
bonus_miles_full
Annual Fee
annual_fees (See here for rates and fees)

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As food prices continue to increase, anything that can reduce that cost is welcome. The best credit cards for groceries could do just that by providing cash back and points for grocery shopping, as well as complimentary services and memberships that could make your life easier.

Read on to see our picks for the best grocery shopping cards and how you can pick the right one for you.

Our Top Picks for the Best Credit Cards for Groceries

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Best Credit Cards for Groceries Reviews

Courtesy of American Express
Pros
  • 6% back at U.S. supermarkets on up to the first $6,000 spent in a year, 1% thereafter
  • 6% back on select U.S. streaming services
  • 3% back at U.S. gas stations and transit
  • Car rental loss and damage insurance*
Cons
  • annual_fees
  • The $6,000 spending cap could be too low for large families

Terms apply. Click here for rates and fees.

HIGHLIGHTS
Welcome offer:
bonus_miles_full
Insurance and protection:
Car rental loss and damage insurance, return protection, purchase protection and extended warranty*

Intro APR: intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration │ Regular APR: reg_apr,reg_apr_typeAnnual Fee: annual_fees

Why we chose it: The Blue Cash Preferred® Card from American Express offers the highest cash back rate for grocery shopping out there.

The Blue Cash Preferred® Card from American Express is tailor-made for families, offering cash back on multiple categories in which larger households typically spend much of their money:

  • 6% back at U.S. supermarkets up to the first $6,000 spent, 1% thereafter
  • 6% back on select U.S. streaming services
  • 3% back on transit (including taxis/rideshares, buses, trains, parking and more) and at U.S. gas stations
  • 1% back on other qualifying purchases
  • Terms apply

While the $6,000 spending limit might seem low for some people, 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, this card can reward you for it.

The Blue Cash Preferred® from American Express has an introductory annual fee of $0 for the first year, but there is a $95 annual fee after that. Despite this, this card could be the right choice for a household that can take full advantage of its high grocery rewards.

Keep in mind, however, that the U.S. supermarkets category doesn’t include wholesale clubs or superstores, so if you do most of your shopping there, you might want to consider some of the other cards in our list, such as the Sam’s Club® Mastercard®, Costco Anywhere Visa® Credit Card by Citi or U.S. Bank Shopper Cash Rewards® Visa Signature® Card.

Courtesy of American Express
Pros
  • 4x points at U.S. supermarkets up to $25,000 a year (1x thereafter)
  • 4x points at restaurants worldwide
  • Automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S. each month when you add the Gold Card to your Uber account
Cons
  • $250 annual fee is high compared to other cards
  • 4x supermarket category excludes superstores and wholesale clubs

Terms apply. Click here for rates and fees.

HIGHLIGHTS
Welcome offer:
bonus_miles_full
Insurance and protection:
Car rental loss and damage insurance, baggage insurance plan, extended warranty, purchase protection and trip delay insurance*

Intro APR: intro_apr_rate,intro_apr_duration Regular APR: reg_apr,reg_apr_typeAnnual Fee: annual_fees

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.

The American Express® Gold Card is pretty well known for its rewards, especially those pertaining to food and travel. For example:

  • 4x points at U.S. supermarkets up to the first $25,000 spent, 1x point thereafter
  • 4x points at worldwide restaurants, and U.S. delivery and takeout
  • 3x points on flights booked directly with airlines or through AmexTravel.com
  • 1x points on all other qualifying purchases
  • Terms apply

Cardholders get 4x points at U.S. supermarkets. While that’s equal or even lower than some cash back cards in the category, points are significantly more flexible than cash back, and can be more easily transferred to hotel or airline partners.

Also, the $25,000 spending limit is over three times higher than, say, the limit on the Blue Cash Preferred® Card from American Express. If you actually reach that cap, you’d have accrued 100,000 points, which could be worth up to $10,000 depending on how you redeem them.

On top of this, the card also offers 4x points for dining out on those nights when you just don’t want to cook. 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 those whose travel plans revolve around food.

While the $250 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.

Courtesy of Capital One
Pros
  • 3% back on groceries, excluding superstores like Walmart® and Target®
  • 3% back on dining
  • No annual or foreign transaction fees
  • No spending caps
Cons
  • 3% grocery category excludes superstores
HIGHLIGHTS
Early spend bonus:
bonus_miles_full
Insurance and protection:
Extended warranty and travel accident insurance

Intro APR: intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_durationRegular APR: reg_apr,reg_apr_typeAnnual Fee: annual_fees

Why we chose it: Among cards with no annual fee, it’s hard to compete with Capital One’s offering when it comes to food and entertainment.

The rewards rate the Capital One SavorOne Cash Rewards Credit Card offers is truly top notch, especially for a card without an annual fee. Not only does it offer high cash back on a great night out, but also on nights in, nights abroad and more:

  • 8% on purchases on Capital One Entertainment
  • 5% on hotel and rental cars booked through Capital One Travel (terms apply)
  • 3% on dining and grocery stores, excluding superstores like Target® and Walmart®
  • 3% on entertainment, such as concerts, sporting events and movie theaters
  • 3% on select streaming subscriptions
  • 1% on all other qualifying purchases

With this card, you can get unlimited 3% cash back at grocery stores, as well as eligible streaming services — so, if your plans most often involve cozy dinners at home while watching Netflix, the SavorOne will reward you for both. For nights out, same thing: 3% at restaurants and entertainment for the whole date night combo.

It also offers solid travel rewards, including travel accident insurance, making it a versatile card that could cover most of your bases.

Courtesy of Sam's Club
Pros
  • 5% on gas on the first $6,000 spent each year, 1% thereafter
  • Sam's Club Plus members can earn up to 3% in Sam's Cash on store purchases
  • No annual fee
Cons
  • Only 1% back on all other purchases, including grocery shopping outside of Sam's Club
  • Not a lot of insurance coverage
HIGHLIGHTS
Annual fee:
$0 but must be a Sam's Club member
Insurance and protection:
Standard fraud protection

Why we chose it: The Sam’s Club® Mastercard® offers higher cash back than its wholesale competitors both in the store and out.

As far as wholesale clubs go, this credit card from Sam’s goes further than its competition, offering high cash back in a variety of categories:

  • 5% back on gas and EV stations up to the first $6,000, 1% thereafter
  • 3% back on dining
  • 3% back for Plus members on Sam's Club purchases (1% for Club members)
  • 1% on other qualifying purchases

Wholesale clubs are typically excluded from grocery-related rewards on most credit cards so, if you do most of your shopping in bulk, it’s a good idea to consider a card issued by one of the stores itself. Of these,. the Sam’s Club® Mastercard® offers the most rewards — 5% on gas, the highest among all cards we’ve reviewed, and up to 3% on Sam’s Club purchases. (That’s 1% for regular members and 3% for Plus members.)

Unfortunately, the card doesn’t offer any insurance policies or travel-related perks. But when it comes to buying groceries in bulk, it might be the best possible card.

All information about the Sam’s Club® Mastercard® has been collected independently by Money.com.

Courtesy of Citi
Pros
  • 4% on eligible gas and EV charging on the first $7,000 spend each year, 1% thereafter
  • 3% on restaurants and eligible travel
  • Worldwide rental car insurance
Cons
  • 2% on purchases at Costco Wholesale is lower than many competitors'
HIGHLIGHTS
Insurance and protection:
Purchase protection, worldwide rental car insurance and extended warranty

Why we chose it: The Costco Anywhere Visa® Card by Citi offers a well-rounded array of rewards, including travel benefits, that its competitors lack.

If you’re a Costco fan, you might need a way to get rewarded for those huge grocery hauls. Since most credit cards exclude wholesale clubs from their grocery store categories, the co-branded Costco card is a good option, and it doesn’t just reward Costco purchases:

  • 4% back on gas and EV charging worldwide up to the first $7,000 spent, 1% thereafter
  • 3% back on restaurants and qualifying travel purchases
  • 2% back on Costco purchases
  • 1% back on all other qualifying purchases

While 2% isn’t as high as the 3% Sam’s Club offers its Plus members, it might be worth it if Costco is your preferred wholesaler. In addition, offers top-notch rates cash back on gas and now EV charging, as well as on travel.

Also, Costco doesn’t accept anything other than VISA, which makes finding cards to reward you on purchases a little bit harder. You won’t be able to use just any card at Costco, but you’ll be able to use the Costco Anywhere Visa® Card by Citi anywhere.

All information about the Costco Anywhere Visa® Card by Citi has been collected independently by Money.com.

Courtesy of Chase
Pros
  • 3x points on online grocery purchases (excluding Walmart®, Target®, and wholesale clubs)
  • Complimentary DashPass subscription for at least 12 months if activated before December 31st, 2024
  • Complimentary six-month subscription to InstaCart+ when activated by July 31, 2024
  • Excellent travel benefits
Cons
  • Lower grocery rewards than more specialized cards
HIGHLIGHTS
New cardmember offer:
bonus_miles_full
Insurance and protection:
Trip cancellation/interruption insurance, auto rental collision damage waiver, baggage delay insurance, trip delay reimbursement, purchase protection and extended warranty

Intro APR: balance_transfer_intro_apr,balance_transfer_intro_durationRegular APR: reg_apr,reg_apr_typeAnnual Fee: annual_fees

Why we chose it: The Chase Sapphire Preferred® Card offers 3x points on online grocery shopping and offers some additional perks on delivery services.

Widely regarded as one of the best travel cards in the market, the Chase Sapphire Preferred® Card also has some perks when it comes to grocery shopping:

  • 5x points on travel purchases through Chase Ultimate Rewards®, excluding hotel purchases leading up to the $50 hotel credit (2x on other travel purchases)
  • 3x points on dining, including delivery and takeout
  • 3x points on online grocery purchases (excluding Walmart®, Target® and wholesale clubs)
  • 3x points on select streaming services
  • 1x points on all other qualifying purchases

In addition to its online grocery shopping rewards, the Chase Sapphire Preferred® Card offers a complimentary DoorDash DashPass subscription for at least the first 12 months if activated before December 31st, 2024. DoorDash not only delivers from restaurants, but also grocery stores, making this a huge perk if your favorite or nearby stores don’t offer delivery. It also offers a complimentary six months of InstaCart+when activated by July 31, 2024. (Keep in mind that, after those six months, it’ll renew automatically and charge the fee to your card.)

And, of course, the Chase Sapphire Preferred® Card offers a myriad of rewards, insurance benefits and statement credits. You can also redeem all the points you accrue at a higher 1.25x value on Chase Ultimate Rewards®.

Courtesy of U.S. Bank
Pros
  • 6% back on two retailers of your choice (including superstores such as Walmart and Target) up to the first $1,500 spent combined each quarter
  • 3% back on a category of your choice (including wholesale clubs) up to the first $1,500 spent each quarter
  • 1.5% unlimited cash back on all other qualifying purchases
Cons
  • $1,500 spending cap could be low for some households
  • $95 annual fee after the first year
HIGHLIGHTS
Annual fee:
$0 for the first year, $95 thereafter
Insurance and protection:
Extended warranty, purchase security and return protection

Why we chose it: The U.S. Bank Shopper Cash Rewards® Visa Signature® Card offers high cash back on two of the most excluded store types in grocery shopping rewards: wholesale clubs and superstores, provided you choose that category each quarter.

While most cards explicitly exclude wholesale clubs and superstores, this card gives you a chance to choose this type of store and gives even higher rewards than many competitors.

Here’s the breakdown:

  • 6% back on two retailers of your choice up to the first $1,500 spent each quarter, 1.5% thereafter
  • 5.5% back on hotel and car reservations booked and paid directly through U.S. Bank’s Rewards Travel Center
  • 3% back on a category of your choice up to the first $1,500 spent each quarter, 1.5% thereafter
  • 1.5% on all other qualifying purchases

This card stands out for including Walmart® and Target®, hugely popular stores that are typically excluded from cards’ rewards programs. So, if that’s where you do most of your grocery shopping, with the 6% earning rate on the first $1,500 spent each quarter, you could stand to earn up to $90 in cash back.

In the other category of your choice, in which you can earn 3% on your first $1,500 each quarter, you can choose wholesale clubs, earning you more than even some co-branded cards. This could earn you $45 in cash back before hitting the limit.

Despite the low spending limit, the 1.5% you’ll earn after is also higher than most cards, on which earning typically goes down to 1%. This unlimited 1.5% base rate is pretty high for a card with this level of versatility and with a comparatively low annual fee of $95.

All information about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Money.com.

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Other credit cards for groceries we considered

Blue Cash Everyday® Card from American Express

Courtesy of American Express
Pros
  • 3% back at U.S. supermarkets up to the first $6,000 spent each year (1% thereafter)
  • 3% back on online retail purchases in the U.S. on up to $6,000 per year in purchases (1% thereafter)
  • 3% at U.S. gas stations on up to $6,000 per year in purchases (then 1%)
  • annual_fees annual fee
Cons
  • 2.7% foreign transaction fee
  • Spending cap on groceries is too low

Terms apply. Click here for rates and fees.

The Blue Cash Everyday® Card from American Express is an excellent no-annual-fee card, with various bonus categories, including 3% at U.S. supermarkets and U.S. gas stations on up to $6,000 per year on each category (1% after that). Unfortunately, its low spending cap (in relation to the amount earned) kept it off our top list.

BJ’s One™ Mastercard®

Courtesy of Capital One
Pros
  • 3% back on eligible purchases at BJ's Wholesale Club
  • 1.5% unlimited cash back on all other purchases
  • $0.10 off per gallon at BJ's Gas®
Cons
  • No additional bonus categories

If you shop at BJ’s, this card will most definitely appeal to you. Its high 3% cash back is among the highest you can get for any wholesale club. The unlimited 1.5% outside the store is pretty good too. And if you have more premium The Club+ Membership and qualify for the BJ’s One+™ Mastercard®, the rewards are even higher (5% at BJ’s, 2% on all other qualifying purchases). However, with a little over 200 locations in 16 states, BJ's Wholesale Club's reach is more limited than other wholesalers that did make our list.

All information about the BJ’s One™ Mastercard® has been collected independently by Money.com.

Citi Premier® Card

Courtesy of Citi
Pros
  • 3x points at supermarkets
  • 3x points on air travel, hotels, gas and dining
  • $100 off a single hotel stay of $500 once each year
Cons
  • $95 annual fee

The Citi Premier® Card covers a wide variety of categories, especially when it comes to travel. However, those rewards aren’t high enough to justify its $95 annual fee, especially when compared to other offerings in the same price range.

All information about the Citi Premier® Card has been collected independently by Money.com.

Prime Visa

Courtesy of Chase
Pros
  • Unlimited 5% at Amazon (including Amazon Fresh groceries) and Whole Foods
  • Unlimited 5% on travel through Chase Ultimate Rewards®
  • Unlimited 2% on dining, gas and eligible transit
  • Ample insurance coverage
Cons
  • No grocery rewards outside Amazon or Whole Foods
  • Needs a Prime membership

If you’re an Amazon Prime member, the Prime Visa is an excellent card to have, with one of the highest cash back rates available as well as an array of insurance policies that rivals that of premium cards. If you do most of your grocery shopping at Whole Foods Market, the choice is simple: no other card will reward you nearly as much as this one. Having said that, its grocery rewards are limited to Amazon and Whole Foods, which kept it off our top picks.

Instacart Mastercard®

Courtesy of Chase
Pros
  • 5% on Instacart app and Instacart.com purchases
  • Free year of Instacart+ and a $100 Instacart credit upon card approval. (Membership auto-renews. Terms apply.)
  • 2% at restaurants, gas stations and on select streaming services
  • Auto rental collision damage waiver and more
Cons
  • No rewards on grocery store purchases
  • No complimentary Instacart+ membership after the first year

If you frequently use Instacart to deliver groceries right to your door, the Instacart Mastercard® can help you save some money by giving you 5% cash back on eligible purchases. However, there are no rewards for grocery spending outside the app, and the Instacart+ membership is a one-time thing.

Best Credit Cards for Groceries Guide

For many families, the grocery bill is one of their largest expenses. In fact, approximately 30.6% of income in low-income households goes toward groceries, according to the USDA. Having a credit card that can help lower that cost, even if by a small amount, could be of huge help.

However, there are some factors to consider when choosing the card that will deliver on that. Read on to learn more.

What is a credit card for groceries?

A grocery credit card offers high rewards when buying groceries, sometimes specified as supermarkets, wholesale clubs or other types of grocery stores, depending on the merchant category code (MCC) that the store uses.

How do credit cards for groceries work?

Credit cards that offer higher rewards for groceries work just like any other credit card. Their main difference is that they offer a higher reward rate on grocery purchases, whether online or in-store, and at different types of stores.

How to choose a credit card for groceries

Choosing a credit card for groceries can be a bit more complicated than a card that has a groceries bonus category. There are more factors that come into play, especially when considering your own lifestyle and spending habits.

Where you shop

When it comes to grocery rewards, where you shop is, arguably, the most important factor to consider. Many cards are very specific regarding this; some exclude superstores such as Walmart and Target, as well as wholesale clubs like Sam’s and Costco.

Supermarkets. Dedicated supermarkets or grocery stores are the most common type of store that will qualify for grocery rewards. It will normally offer the highest rate as well, from 3% to 6% cash back among grocery-inclined cards.

Superstores. Superstores such as Target® and Walmart are a great one-stop shop for many, especially for families trying to make a more efficient use of their time. However, these stores are usually excluded from grocery categories. If those are the stores where you prefer to shop, find a card that explicitly rewards or includes them, a co-branded card or a card with a high base rate, such as 2% on all purchases, to take advantage of all your shopping.

Wholesale clubs. Wholesale clubs, such as Sam’s and Costco Wholesale, are also frequently excluded from grocery rewards. If you have a big family or a small business and mostly shop at wholesale clubs, you might want a co-branded credit card from the store itself, or dig deeper to see which cards offer high rewards at these types of stores.

How much you spend

The card you choose will also depend largely on your personal finances and how much you actually spend on groceries. Many cards will cap their high reward rate at a certain amount — if you have a large household of four or more people, these caps could impact your rewards. These could vary, but some frequent caps could be $500 a month, $1,500 per quarter or $6,000 a year.

Also, consider if getting a dedicated grocery-shopping card is worth it in your particular situation. If you eat out far more than what you cook, one of our best credit cards for restaurants could make more sense. The same goes for other expenses that could be higher on a monthly or yearly basis. The best credit cards, however, could reward you for all of it.

Rewards

The main differentiator between cards aimed at grocery shopping is, simply put, the rate and type of rewards. Some cards will give you cash back, some will give you points you can then redeem for cash, statement credits or gift cards. Keep in mind, however, that the value of one point can vary depending on the credit card issuer.

Consider other benefits, as well, such as complimentary memberships to delivery services and adjacent spending categories such as dining, drugstores or gas stations.

Credit Cards for Groceries FAQ

What stores are considered grocery stores for credit cards?

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Grocery stores and supermarkets have their own specific merchant category code (MCC) and are named just that. It includes dedicated grocery stores and supermarkets, and excludes superstores, wholesale clubs and more specific stores such as bakeries or meat lockers.

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?

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Using one or the other depends on personal preference or particular financial situation. However, using one of the best card for groceries could earn rewards and save some money in the long run.

How We Chose the Best Credit Cards for Groceries

Rewards

The rate of rewards given on groceries was the main factor considered in this list, whether it be points or cash back rewards.

Bonus rewards

Other than grocery rewards, we looked at other categories in which the cards delivered high cash back or points, especially if they were related to food, such as dining or delivery services.

Other benefits

Rewards don’t just come in the form of points, but can be statement credits, complimentary memberships and, very important, insurance coverage. We took those into account, especially when two cards were similar when it came to their grocery shopping benefits.

Fees

Rewards are only good if you actually have net gain from them, so we looked at annual fees to determine if they were worth the price.

Summary of Money's Best Credit Cards for Groceries of 2023

 

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.