--- title: Best Credit Cards for Groceries of 2026 description: The best credit cards for groceries of 2026, including the Blue Cash Preferred American Express Card and Synchrony's Instacart Mastercard. editors: - name: Jordan Chussler role: Editor, Investing and Banking url: https://money.com/author/jordan-chussler/ bio: Jordan is an investment editor who specializes in topics ranging from traditional equities, retirement savings and income investing to alternative assets and commodities, specifically focusing on gold and other precious metals. He combines his personal interests and professional experience in finance and education to help readers increase their financial literacy and make better investment choices. Jordan is a Certified Personal Finance Counselor. education: Lynn University certifications: Certified Personal Finance Counselor at_money_since: 2023 articles: 132 covers: - Credit Cards - Banking - Credit - Economy and Politics - Housing - Identity Theft - Insurance - Investing - Loans - Mortgages - Personal Finance - Professional Services - Retirement also_seen_in: - Weiss Ratings - 24/7 Wall Street - Better Investing - Yahoo Finance - Nasdaq - Investing.com - Marketbeat - MSN Money social: - https://www.linkedin.com/in/jordan-chussler-b3597811/ published: '2026-03-03T20:08:14.000Z' modified: '2026-09-18T19:49:43.000Z' section: Credit Cards tags: - Best - Credit Cards - rewards credit cards word_count: 1465 canonical: https://money.com/best-credit-cards-for-groceries/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Best Credit Cards for Groceries of 2026](https://img.money.com/2025/02/Best-Credit-Cards-2025-Groceries-mbci_q5wy3__2xmvlx.jpg?quality=85&w=1012&h=569&crop=1) 1. **Best for Groceries and Dining** ## American Express® Gold Card ### Our Partner [![](https://s3.consumersadvocate.org/prd/image/image/38732/medium_0d2a099e-8429-4eef-99b8-f9d8552ec39c.webp)](https://widget.ca-api.com/go/a85c8653461d?ap_referrer=%2Fbest-credit-cards-for-groceries%2F&pmeta=p129-c556-u24698&ptoken=219fd74dc595e91649233a80c11725dc) - *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](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0/?offerTrackingCode=51a52a22-db7e-4bc1-864b-81660776673c#FeeTable) for rates and fees) [Learn More](https://widget.ca-api.com/go/a85c8653461d?ap_referrer=%2Fbest-credit-cards-for-groceries%2F&pmeta=p129-c556-u24698&ptoken=219fd74dc595e91649233a80c11725dc) 2. **Best Overall** ## Blue Cash Preferred® Card from American Express ### Our Partner [![](https://s3.consumersadvocate.org/prd/image/image/16436/medium_59de2c6a-0043-4aef-b200-83bfcdbb3299.webp)](https://widget.ca-api.com/go/de579de4e9cb?ap_referrer=%2Fbest-credit-cards-for-groceries%2F&pmeta=p129-c556-u24698&ptoken=e9a65457bb753ffb67c82c7dac2eadc1) - *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](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/blue-cash-preferred-credit-card/25330-10-0#FeeTable_blank) for rates and fees) [Learn More](https://widget.ca-api.com/go/de579de4e9cb?ap_referrer=%2Fbest-credit-cards-for-groceries%2F&pmeta=p129-c556-u24698&ptoken=e9a65457bb753ffb67c82c7dac2eadc1) 3. **Unlimited 3% Cash Back at Grocery Stores** ## Capital One Savor Cash Rewards Credit Card ### Our Partner [![](https://s3.consumersadvocate.org/prd/image/image/26475/medium_5150da9a-bf05-44fa-97c9-c22803ca9cc6.png)](https://widget.ca-api.com/go/6d1648110cec?ap_referrer=%2Fbest-credit-cards-for-groceries%2F&pmeta=p129-c556-u24698&ptoken=83ed278dcbccadddab8e7d934bd8109c) - *Grocery Rewards*:  3% at grocery stores (excluding superstores like Walmart(R) and Target(R)) - *Welcome Offer*: bonus\_miles\_full - *Annual Fee*: annual\_fees [Learn More](https://widget.ca-api.com/go/6d1648110cec?ap_referrer=%2Fbest-credit-cards-for-groceries%2F&pmeta=p129-c556-u24698&ptoken=83ed278dcbccadddab8e7d934bd8109c) ## Best Credit Cards for Groceries - The best credit card for groceries is the Blue Cash Preferred Card from American Express due to its 6% cash back on groceries and streaming services. - The best credit cards for groceries can help you save money 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, plus additional perks. - Methodology: The Money team hundreds of credit cards, scoring issuers based on their credit cards' APRs, fees, sign-up bonuses, rewards and more. For the best credit cards for groceries, we focused on reward opportunities, sign-up bonuses and low or no fees. *Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. Our site does not include all card companies or all available card offers.* *All information about American Express has been collected independently by [money.com](https://money.com/). American Express credit card products are no longer available through money.com.* ## Our Top Picks for the Best Credit Cards for Groceries - **[Best Overall](#bluecash):** Blue Cash Preferred Card from American Express - **[Best for Groceries and Dining](#gold):** American Express Gold Card - **[Best for No Annual Fee](#cobranded):** Co-Branded Credit Cards from U.S. Bank - **[Best for Rewards](#insta):** Instacart Mastercard from Chase - **[Best Sign-Up Bonus](#savor):** Savor Rewards from Capital One *All rates and data are current as of Feb. 24, 2026.* ## Credit Repair companies can help you repair and improve your credit so you can apply for the credit card of your choice ### Bad credit can weigh you down. Find out what credit repair can offer you. [View Plans](https://money.com/pr/ucb1000a6da2?ap_referrer=%2Fbest-credit-cards-for-groceries%2F) ## Best Credit Cards for Groceries Reviews ## Best Overall: Blue Cash Preferred Card from American Express ![](https://s3.consumersadvocate.org/prd/image/image/16436/large_59de2c6a-0043-4aef-b200-83bfcdbb3299.webp) [Learn More](https://money.com/pr/pd2ab6d8a7d3?ap_referrer=%2Fbest-credit-cards-for-groceries%2F) **Why we chose it:** In addition to offering a 0% introductory APR for 12 months on both purchases and balance transfers from the date of account opening, the Blue Cash Preferred Card from American Express provides 6% cash back on groceries and streaming services. With a $95 annual fee and variable APRs ranging from 19.49% to 28.49%, the card offers strong incentives to new customers. That includes a welcome bonus of $300 after spending $3,000 within six months. For balance transfers, the Blue Cash Preferred Card charges $5 or 3%. The card also offers 3% cash back on transit and gas at U.S. stations, and 1% cash back on all other purchases. Beyond its grocery rewards, the card's perks include car rental coverage, emergency travel assistance, purchase protection (limited up to $1,000 per covered purchase, up to $50,000 per card member account per calendar year) and extended warranties (up to a maximum of $10,000, not exceeding $50,000 per card member account per calendar year). For those traveling abroad, the Blue Cash Preferred's foreign transaction fee is 2.7%. *Terms apply. Please click [here](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/blue-cash-preferred-credit-card/28810-10-0#offer-terms) for applicable rates and fees.* *All information about Blue Cash Preferred Card has been collected independently by Money.com. Blue Cash Preferred Card is no longer available through Money.com.* ## Best for Groceries and Dining: American Express® Gold Card ![](https://s3.consumersadvocate.org/prd/image/image/38730/large_b7c92169-60fa-427f-86e7-003f64e9c541.webp) [Learn More](https://money.com/pr/gbc1a3266577?ap_referrer=%2Fbest-credit-cards-for-groceries%2F) **Why we chose it:** The American Express Gold Card offers 4X Membership Rewards® points per dollar on groceries at U.S. supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Also, you may be eligible for as high as 100,000 Membership Rewards(R) Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. The American Express Gold Card also awards 5x points on prepaid hotels, 3x points on flights booked directly with airlines, 2x points on prepaid car rentals booked through [AmexTravel.com](https://amextravel.com/) or the Amex Travel App™ and 1x on all other eligible purchases. The annual fee of $325 is the highest among our best credit cards for groceries. See Pay Over Time for APR, but there is no foreign transaction fee. Perks include baggage delay and loss coverage, emergency travel assistance, car rental coverage and purchase protection and extended warranty coverage. Additionally, the American Express Gold Card provides customers with up to $120 in Uber Cash in $10 monthly credits when you add your Gold Card to the Uber app, which can be used for rides within the U.S. or Uber Eats orders, as well as up to $7 in monthly statement credits when using the card at U.S. Dunkin' locations (enrollment required). *Terms apply. Please click [here](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/gold-card/28810-10-0#FeeTable) for applicable rates and fees.* *All information about American Express Gold Card has been collected independently by Money.com. American Express Gold Card is no longer available through Money.com.* ## Best for No Annual Fee: Co-Branded Credit Cards from U.S. Bank ![](https://s3.consumersadvocate.org/prd/image/image/37462/large_287630fd-8aee-4b6f-9368-0ce210bcd0e3.webp) [Learn More](https://money.com/pr/g1eb20b5a668?ap_referrer=%2Fbest-credit-cards-for-groceries%2F&url=) **Why we chose it:** The [co-branded credit cards from U.S. Bank](https://money.com/pr/n50bc8670e49?data-trk-company=us-bank-co-branded-credit-cards&data-trk-imp=true&data-trk-pcu-type=direct_link&data-trk-pcu-uuid=n50bc8670e49&encoded_id=), which are partnered with numerous grocery stores, do not charge an annual fee. Customers can use the cards for up to 5% cash back on groceries at Kroger, Dillons Food Stores, Fred Meyer, Fry's, Harris Teeter, King Soopers, Mariano's, QFC and Ralphs, and 1% on all other purchases. U.S. Bank's cards' variable APRs range from 17.49% to 30.49%. Customers can earn a $100 statement credit when they spend $500 within the first 90 days of opening an account. The cards also provide purchase protection and fuel discounts, and there is an introductory balance transfer fee of just 3%. *Terms apply. Please click [here](https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC60680.html) for applicable rates and fees.* ## Best for Rewards: Instacart Mastercard from Chase ![](https://s3.consumersadvocate.org/prd/image/image/37465/large_6feef8d2-0b43-4ba5-b0d6-f1246ba5896d.webp) [Learn More](https://money.com/pr/bd3cedf42409?ap_referrer=%2Fbest-credit-cards-for-groceries%2F&url=) **Why we chose it:** The [Instacart Mastercard from Chase](https://money.com/pr/e1acab429ee4?data-trk-company=instacart-mastercard-review&data-trk-imp=true&data-trk-pcu-type=direct_link&data-trk-pcu-uuid=e1acab429ee4&encoded_id=) offers 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually. Additionally, the card features 5% cash back on Chase Travel purchases, including flights and hotels and more; 2% cash back at restaurants — including orders on Instacart powered by Uber Eats — gas stations and on select streaming services; and 1% on all other purchases. Instacart Mastercard's variable APRs range from 18.24% to 27.74%. Cardholders receive a $50 Instacart credit that is auto­mat­i­cal­ly provided upon approval. There is a 5% balance transfer fee but no foreign transaction fee and no annual fee. Perks include free Instacart Express, baggage delay insurance, lost luggage reimbursement, roadside assistance, travel accident insurance, purchase protection, extended warranty coverage and auto rental coverage. *Terms apply. Please click [here](https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC60680.html) for applicable rates and fees.* ## Best Sign-Up Bonus: Savor Rewards from Capital One ![](https://s3.consumersadvocate.org/prd/image/image/26482/large_5930a021-2291-4126-a515-89e8bd217374.png) [Learn More](https://money.com/pr/m72a8757e3d2?ap_referrer=%2Fbest-credit-cards-for-groceries%2F) **Why we chose it:** New customers can earn up to a $250 cash bonus when they spend $500 within the first three months of opening an account with Savor Rewards from Capital One. The Savor Rewards card does not charge an annual fee and provides unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. Cardholders are also eligible for unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services, as well as 1% cash back on all other purchases. The card also offers a 0% introductory APR for the first 12 months that an account is open. After that, variable APRs range from 18.49% to 28.49%. There is no annual fee or foreign transaction fee, but Capital One charges a 3% balance transfer fee for each transferred balance within the first 15 months of account opening. After the initial promotional period, a fee of 4% applies to subsequent balance transfers. Perks include extended warranty coverage, travel accident insurance and 50% off all handcrafted beverages at any Capital One Café location nationwide. *Terms apply. Please visit the card's website for applicable rates and fees.* ## Find a Credit Repair company that works for you ### 🥇 Most Affordable Credit Help Company! ![View Plans](https://s3.consumersadvocate.org/prd/image/image/28241/medium_ae18ab6b-f004-4597-a78c-b5057ebf3778.png) Our Partner [View Plans](https://money.com/go/ad9969a09325?bidid=4112362536&pmeta=p129-c527-u25367&ptid=670546448&ptoken=a10ca2fcc00ed39af316909801a825c4) ### Take Steps Toward Improving Your Credit with a Trusted Legal Team ![View Plans](https://s3.consumersadvocate.org/prd/image/image/541/medium_AEPRGHMZaPsbrAuaWpZtkFWwSMTooS.png) Our Partner [View Plans](https://money.com/go/f94bb5804495?bidid=4112362532&pmeta=p129-c527-u25367&ptid=670546448&ptoken=cde3172aef38ebf92e324167a4a16a7e) ### Offers a single, low-cost credit repair package ![View Plans](https://s3.consumersadvocate.org/prd/image/image/1992/medium_Sky_Blue_Credit_Repair_Logo.png) Our Partner [View Plans](https://money.com/go/e65a6deed907?bidid=4112362533&pmeta=p129-c527-u25367&ptid=670546448&ptoken=560309b15c7cefd9970ff904c9ca93f5) ### All plans include unlimited disputes to all three credit bureaus ![View Plans](https://s3.consumersadvocate.org/prd/image/image/544/medium_AzCOfmOSdIObukHTtkAFkkVcednFPx.png) Our Partner [View Plans](https://money.com/go/f2d779e1d8f0?bidid=4112362538&pmeta=p129-c527-u25367&ptid=670546448&ptoken=c37d208754c1c528563298716a835c9f) ### Even the most basic packages include financial management tools ![View Plans](https://s3.consumersadvocate.org/prd/image/image/29349/medium_5f909068-0d8c-41f9-91b3-62c42c6b942c.webp) Our Partner [View Plans](https://money.com/go/8a530a50d8b6?bidid=4112362540&pmeta=p129-c527-u25367&ptid=670546448&ptoken=af9327ef164d24baea1367284eeec084) ## Credit Cards for Groceries FAQs ### What stores are considered grocery stores for credit cards? Grocery stores and supermarkets have a specific merchant category code (MCC) that includes dedicated grocery stores and supermarkets. It 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? 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 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 RewardsSign-Up BonusFeesOther 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](https://money.com/best-credit-cards/methodology/). ## Summary of Money's Best Credit Cards for Groceries - **[Best Overall](#bluecash):** Blue Cash Preferred Card from American Express - **[Best for Groceries and Dining](#gold):** American Express Gold Card - **[Best for No Annual Fee](#cobranded):** Co-Branded Credit Cards from U.S. Bank - **[Best for Rewards](#insta):** Instacart Mastercard from Chase - **[Best Sign-Up Bonus](#savor):** Savor Rewards from Capital One *To see rates and fees for the Blue Cash Preferred® Card from American Express, please [visit this link](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/blue-cash-preferred-credit-card/25330-10-0#FeeTable_blank). Terms apply.* *To see rates and fees for the American Express® Gold Card, please [visit this link](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/28810-10-0#FeeTable). Terms apply.* *To see rates and fees for the Blue Cash Everyday® Card from American Express, please [visit this link](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/blue-cash-everyday-credit-card/25330-10-0#FeeTable). 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.* *Money.com may receive a commission from card issuers. Some or all of the card offers that appear on Money.com are from advertisers and may impact how and where card products appear on the site. Money.com does not include all card companies or all available card offers.* ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/best-credit-cards-for-groceries/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Credit Cards", "item": "https://money.com/credit-cards/" }, { "@type": "ListItem", "position": 3, "name": "Rewards Credit Cards", "item": "https://money.com/rewards-credit-cards/" }, { "@type": "ListItem", "position": 4, "name": "Best Credit Cards for Groceries of 2026" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/best-credit-cards-for-groceries/#webpage", "url": "https://money.com/best-credit-cards-for-groceries/", "name": "Best Credit Cards for Groceries of 2026", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2026-03-03T20:08:14.000Z", "mainEntity": { "@id": "https://money.com/best-credit-cards-for-groceries/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/best-credit-cards-for-groceries/#breadcrumb" }, "dateModified": "2026-09-18T19:49:43.000Z" }, { "@type": "Article", "headline": "Best Credit Cards for Groceries of 2026", "articleSection": "Credit Cards", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2025/02/Best-Credit-Cards-2025-Groceries-mbci_q5wy3__2xmvlx.jpg?quality=85", "width": 2400, "height": 1700 } ], "author": { "@type": "Organization", "name": "Money", "url": "https://money.com/", "@id": "https://money.com/#organization" }, "publisher": "https://money.com/#organization", "datePublished": "2026-03-03T20:08:14.000Z", "description": "The best credit cards for groceries of 2026, including the Blue Cash Preferred American Express Card and Synchrony's Instacart Mastercard.", "abstract": "The best credit cards for groceries of 2026, including the Blue Cash Preferred American Express Card and Synchrony's Instacart Mastercard.", "@id": "https://money.com/best-credit-cards-for-groceries/", "inLanguage": "en-US", "dateModified": "2026-09-18T19:49:43.000Z", "editor": [ { "@type": "Person", "name": "Jordan Chussler", "url": "https://money.com/author/jordan-chussler/", "@id": "https://money.com/author/jordan-chussler/#author", "description": "Jordan is an investment editor who specializes in topics ranging from traditional equities, retirement savings and income investing to alternative assets and commodities, specifically focusing on gold and other precious metals. He combines his personal interests and professional experience in finance and education to help readers increase their financial literacy and make better investment choices. Jordan is a Certified Personal Finance Counselor.", "image": "https://img.money.com/2023/07/jordan.png?w=350&h=430&crop=1", "email": "jordan.chussler@money.com", "jobTitle": "Editor, Investing and Banking", "hasCredential": [ { "@type": "EducationalOccupationalCredential", "credentialCategory": "certification", "name": "Certified Personal Finance Counselor" } ], "alumniOf": "Lynn University", "subjectOf": [ { "@type": "WebPage", "url": "https://weissratings.com", "name": "Weiss Ratings" }, { "@type": "WebPage", "url": "https://247wallst.com/", "name": "24/7 Wall Street" }, { "@type": "WebPage", "url": "https://betterinvesting.org", "name": "Better Investing" }, { "@type": "WebPage", "url": "https://finance.yahoo.com/", "name": "Yahoo Finance" }, { "@type": "WebPage", "url": "https://nasdaq.com", "name": "Nasdaq" }, { "@type": "WebPage", "url": "https://investing.com", "name": "Investing.com" }, { "@type": "WebPage", "url": "https://www.marketbeat.com/", "name": "Marketbeat" }, { "@type": "WebPage", "url": "https://www.msn.com/en-us/money", "name": "MSN Money" } ], "sameAs": [ "https://www.linkedin.com/in/jordan-chussler-b3597811/" ], "worksFor": { "@id": "https://money.com/#organization" } } ], "wordCount": 1465, "keywords": [ "Best", "Credit Cards", "rewards credit cards" ], "about": [ { "@type": "Thing", "name": "Credit card", "sameAs": [ "https://en.wikipedia.org/wiki/Credit_card" ] } ] } ] } ```