If groceries are the major expense in your household then paying with a credit card that offers elevated rewards in return for the supermarket is a good choice. As per the latest federal consumer expenditure data, an average American household spent at least $4,942 on “food at home”. This is a considerable amount when you consider it in terms of numbers. Paying for U.S supermarket purchases with the best credit cards for groceries is a good way to earn rewards up to 5%.
Imagine saving a substantial amount of money without searching for coupon codes, yes you can do it with the best credit cards for groceries. By using these cards, users can earn bonus rewards such as cashback, airline miles, statement credit, gifts, and much more.
Table of Contents
Quick Overview – Best Credit Cards for Groceries for 2024
Blue Cash Preferred® Card from American Express – Best highest rate cashback cards for groceries
Citi Custom Cash® Card – Best no annual fee grocery reward credit card
Capital One SavorOne Cash Rewards Credit Card – Best rewards for frequent diners
American Express® Gold Card – Best for earning Membership points on groceries
Blue Cash Everyday® Card from American Express – Great card for the frequent grocery store purchases
Target RedCard™ Credit Card – Great pick for the one-stop shoppers
U.S Bank Cash+® Visa Signature®Card – Great pick for customizablecashback
Citi® Double Cash Card – Best pick forflat 2% cashback on everything
Bank of America® Customized Cash Rewards Credit Card – Great pick for less common bonus categories
Citi® Premier Card – Great for earning thankyou point on groceries
Charting theBest Credit Cards for Groceries for 2024
Card Name
Annual Fee
Best For
Credit Score Required
Blue Cash Preferred® Card from American Express
$95
Best highest rate cashback cards for groceries
Good to Excellent
Citi Custom Cash® Card
$0
Best no annual fee grocery reward credit card
Good
Capital One SavorOne Cash Rewards Credit Card
$0
Best rewards for frequent diners
Good to Excellent
American Express® Gold Card
$250
Best for earning Membership points on groceries
Good to Excellent
Blue Cash Everyday® Card from American Express
$0
Great card for the frequent grocery store purchases
Good
Target RedCard™ Credit Card
$0
Great pick for the one-stop shoppers
Fair
U.S Bank Cash+® Visa Signature® Card
$0
Great pick for customizable cashback
Good to Excellent
Citi® Double Cash Card
$0
Best pick for flat 2% cashback on everything
Good
Bank of America® Customized Cash Rewards Credit Card
$0
Great pick for less common bonus categories
Good
Citi® Premier Card
$95
Great for earning thankyou point on groceries
Good to Excellent
1. Blue Cash Preferred® Card from American Express
Annual Fee
$0 for first year and then $95
Welcome Bonus
$250
Regular APR
19.24%-29.99% ( Variable APR)
Credit Score
Good to Excellent (700-749)
With one of the top picks among the best credit cards for groceries, you can earn highest rates on U.S supermarkets, U.S gas stations, transit and much more. On the regular spending on various purchases you can quickly add bonus points in the form of rewards. The reward rates for Blue Cash Preferred® Card from American Express is up to 6% with a spending cap of at least $6,000 annually.
Reward rates of the No#1Best Credit Cards for Groceries
Get 6% cash back on super markets with purchases of upto $6,000 annually
Earn 6% cash back on the selected U.S streaming services
Earn 3% cashback on U.S gas stations, transit ( that includes taxis, parking , tolls, buses )
On all other purchases you can get 1% cash back
With one of the best credit cards for groceries, you get 0% APR on balance transfer for the duration of 12 months
With this card you receive cashback in the form of reward dollars that can be redeemed as statement credit
As a sign up bonus you can earn $250 as a statement credit after you spend $300 in the first 6 months of account opening
Pros
Cons
High cashback across a wide swath of categories
Charges annual fee
Cashback is automatic and no enrollment is required
6% cashback can be availed with a high spending cap of $6,000 annually
Offers multiple travel benefits and protections for the users
2.Citi Custom Cash® Card
Annual Fee
$0
Welcome Bonus
$200
Regular APR
19.24%-29.24% (Variable APR)
Credit Score
Fair, Good, Excellent
With a no annual fee, Citi Custom Cash® Card pays you 5% cashback on the highest spending category each month. Being in the list of best credit cards for groceries, this card can let you earn $250 as cashback if you spend $5,000 annually on grocery stores. Moreover, you can maximize cashback without the tension of selecting bonus categories each month.
Reward rates of the No#2Best Credit Cards for Groceries
As a signup bonus you can earn $200 with a spending limit of at least $1,500 in the first 6 months of card Membership
Being one of the best credit cards for groceries, it offers 0% APR on purchases and balance transfers for the duration of 15 months. Afterwards, the variable APR will be applicable
This card can let you earn 5% cash back on purchases on the top eligible categories on each billing cycle
Get 1% cashback on all the other purchases
The good aspect of the card is that there are no rotating categories to keep tabs on and the cashback is automatically activated once you spend on the eligible categories
Pros
Cons
No sign up required to get bonus rewards
Charges high balance transfer and foreign transaction fee
Offers introductory APR on balance transfers and purchases
Few everyday reward categories are ignored
Cashback categories are unique in comparison with the other cards
Do you feel yourself stuck in the constant loop of paying high-interest charges on your existing debt? If yes 0% APR credit cards are the viable solution. These cards are the best way to lessen your interest charges for a tenure of 15-18 months depending on the type of card you have opt for.
3.Capital One SavorOne Cash Rewards Credit Card
Annual Fee
$0
Welcome Bonus
$200
Regular APR
19.99%-29.99% (Variable APR)
Credit Score
Good to Excellent (690-850
The Capital One SavorOne Cash Rewards Credit Card is a perfect fit for all those who spend a considerable amount on money on grocery stores ( excluding Walmart, and Target) , restaurants and entertainment. With $0 annual fee, it’s a win-win situation to earn 3% cashback on a wide range of categories.
Reward rates of the No#3Best Credit Cards for Groceries
With this card you can earn sign up bonus of $200 on purchases of $5,000 in the first 3 months of account opening
With one of the best credit cards for groceries, earn 3% cash back on grocery stores, dining, entertainment and the popular streaming services
Earn 1% cashback on all other purchases
Get 10% cashback on Uber & Uber Eats in addition with the complimentary UberOne Membership
Earn a a total of 8% cashback on Capital one Entertainment purchases
Being one of the best credit cards for groceries , it also offers 0% introductory APR on purchases and balance transfer for a period of 15 months
Get unlimited 5% cash back on travel and car rentals that are booked through Capital one Travel
Pros
Cons
Increased cashback on dining and entertainment purchases
Not all credit cards are good for purchases outside the U.S. The best ones are those that charge no foreign transaction fee on transactions. Capital One SavorOne Cash Rewards Credit Card being a viable option for groceries is also the top pick for the no foreign transaction fee credit card.
4. American Express® Gold Card
Annual Fee
$250
Welcome Bonus
Earn 60,000 Membership Points
Regular APR
Variable APR
Credit Score
Good to Excellent (690-850)
The annual fees of the card may seem heavy on the pocket at first sight but you can leverage this card to get the best possible benefits from this card. Being a solid option in the list of best credit cards for groceries, you can get greater cashback on grocery stores, restaurants and travel . The rewards on the U.S supermarket are estimated through the fact that if you spend $5,000 in U.S super market annually you get $200 in reward.
Reward rates of the No#4Best Credit Cards for Groceries
As a signup bonus you can earn 60,000 Membership Rewards® with a spending limit of at least $6,000in the first 6 months of the Card Membership
Earn 4 x Membership Rewards® points at U.S supermarkets with purchases of up to $25,000 in each year
Earn 4 x Membership Rewards® points at restaurants that includes delivery and take out
Although it’s in the list of best credit cards for groceries, you can earn 3x Membership Rewards® points on flights that are booked through amextravel.com
Get $120 Uber Cash on Gold that can be redeemed as $10 each month for Uber Eats and Uber rides
Get $120 Dining Credit to satisfy your sweet tooth at The Cheesecake Factory, Goldbelly , Milk Bar, Wine.com and other selected Shake Shack Locations.
With this card you get $100 as experience credit with minimum two night stay at the Hotel collection through the American Express Travel.
Pros
Cons
Greater reward-earning possibilities
High variable APR for pay over time feature
Points can be transferred to multiple partners
Fewer options to carry a balance
Add up to 5 authorized users with no additional fee
For airline credit cards rewards are the best way to maximize your earnings. As frequent travelers spend a considerable amount of money on travel purchases so its easy to gain rewards and achieve a certain spending limit. American Express Gold card is the top pick among the best airline credit cards to win rewards as it offers multiple statement credit.
5. Blue Cash Everyday® Card from American Express
Annual Fee
$0
Welcome Bonus
$200
Regular APR
19.24%-29.99% (Variable APR)
Credit Score
Good to Excellent (700-749)
With no annual fee, the Blue Cash Everyday® Card from American Express offers great value for the users. If you spend a lot on grocers and gas stations, this card deserves a special place in your wallet. Being one of the good options in the list of best credit cards for groceries, it also offers introductory APR to keep your interest charges low. Although the cashback on the other purchases is low but you leverage the card for grocery story purchases.
Reward rates of the No#5Best Credit Cards for Groceries
As an introductory bonus you get $200 as statement credit after purchases of up to $2,000 in the first 6 months of the account opening
With one of the viable options in the list of best credit cards for groceries, you can enjoy 0% APR on purchases and balance transfers within the duration of 15 months
Get 3% cash back on U.S super markets with purchases of upto $6,000 each year
Get 3% cash back on online retail purchases with a spending limit of $6,000 annually
Get 3% cash back on gas stations if you spend $6,000 on purchases each year
If you spend a total of $9.99 per month on eligible subscription purchases then you can earn $7 per month back in statement credit
Get up to $15 back each month when you buy Home Chef meal kit subscription
Pros
Cons
Greater reward-earning possibilities at U.S super markets, gas stations, online retail purchases
Elevated earnings on U.S supermarkets, gas stations, online retail purchases and more
Offers introductory APR on balance transfers and purchases
Rewards outside the bonus categories is just with a 1% cashback
Generous welcome bonus
6.Target RedCard™ Credit Card
Annual Fee
$0
Welcome Bonus
Not Applicable
Regular APR
28.15% (Variable APR)
Credit Score
Good to Excellent (700-749)
The Target RedCard™ Credit Card is geared towards individuals who shop frequently at Target. If you are the one pay off the balance each month then you can get 5% discount on the Target purchases. With no annual fee, this card deserves a special place in your wallet.
Reward rates of the No#6Best Credit Cards for Groceries
Being in the list of the best credit cards for groceries, it offer flat 5% on purchases at target in store and online
With this card get additional 30 days for the exchange or return of items
Get free two-day shipping on the eligible items that are purchased through Trget.com
Pros
Cons
Get greater discount on all the Target purchases
Charges high late payment fees
Offers free two-day shipping on Target.com
Relatively high APR
Extended returns of up to 30 days on instore and online goods
7. U.S Bank Cash+® Visa Signature® Card
Annual Fee
$0
Welcome Bonus
$200
Regular APR
19.74%-29.74% (Variable APR)
Credit Score
Good to Excellent (700-749)
The U.S Bank Cash+® Visa Signature® Card is one of the favorable options in the list of best credit cards for groceries to earn a flat rate 2% cashback on grocery stores. In the list of 12 categories, you can choose two categories each quarter to earn 5% cashback. For instance, if you spend a total of $5,000 on grocery stores you can earn a reward of $100 on purchases.
Reward rates of the No#7Best Credit Cards for Groceries
With a signup bonus of $200 you just need to spend $1,000 in the first 3 months of account opening
Get 5% cash back on combined purchases of upto $2,000 each quarter on the two chosen categories
Earn 5% cash back on travel, hotel, car reservations that are booked directly through the Rewards Center
Get 2% cash back on grocery stores, EV charging station, gas stations, restaurants, and more
With one of the best credit cards for groceries, you get 0% introductory APR on balance transfers for the first 18 billing cycles
On all other eligible purchases, you will be able to get 1% cashback
Pros
Cons
High reward rates for multiple categories
Complicated rewards
Multiple bonus categories to get rewards
Relatively high variable APR
Charges no annual fee
8.Citi® Double Cash Card
Annual Fee
$0
Welcome Bonus
Not Applicable
Regular APR
19.24%-29.24% (Variable APR)
Credit Score
Good to Excellent (630-850)
The Citi® Double Cash Card is a solid option to gain 2% cash back on every purchase only if you make minimum monthly payments on time. For all those who want to transfer balances across the globe, this card offers 0% intro APR on balance transfers for a complete 18 months. The good aspect of the card that compelled it on the list of best credit cards for groceries is its 2% cashback with no spending limit.
Reward rates of the No#8Best Credit Cards for Groceries
With this card you earn flat rate 2% cash back on every purchase along with an additional 1% as payoff for those purchases
To earn cashback, you have to make minimum monthly payments due on the card
The introductory balance transfer fee of 3% is applicable for the first 4 months then the regular 5% fee will be charged from the card
With this card, you get 0% introductory APR on balance transfers for the duration of 18 months and then a variable APR of 19.24-29.24% will be charged as per your credit worthiness
Pros
Cons
Earn flat 2% cashback on all the purchases
Charges balance transfer and foreign transaction fee
No cashback spending cap and there is no particular limit on the earning of cash backs
Are you tired of paying high-interest charges on balance transfers on your present credit card? If yes, try the best balance transfer credit card that offers 0% introductory APR period on balance transfers. These cards have a long introductory APR period ranging from 21 months to 15 months.
9. Bank of America® Customized Cash Rewards Credit Card
Annual Fee
$0
Welcome Bonus
$200
Regular APR
18.24%-28.24% (Variable APR)
Credit Score
Good to Excellent (700-750)
This card offers great rewards even for moderate spenders. In the list of the best credit cards for groceries, it outshines with 3% cash back on the chosen category . Moreover for all the Bank of America loyalist this card offers 25-75% more cashback earnings.
Reward rates of the No#9Best Credit Cards for Groceries
With one of the best credit cards for groceries, you can earn sign up bonus of $200 with purchases of upto $1000 in the first 3 months of account opening
Earn 3% cash back on the chosen category of your choice
Get 2% on grocery stores and wholesale clubs with combined quarterly purchases of $2,500
Get unlimited 1% cash back on all other purchases
This card offers 0% introductory APR on purchases and balance transfers for 15 billing cycles and then variable APR is applicable
Since Bank of America is highly considerate towards the customers, therefore they broaden the categories based on customer feedback. 3% cash back on gas stations, online shopping and streaming services are added after the customer feedback
Pros
Cons
Decent reward-earning potential
Charges high balance transfer and foreign transaction fee
Offers to option to change bonus cashback category on monthly basis
Bonus rewards have quarterly spending caps
Bank of America rewards clients earn 25-75% more cash back
10. Citi® Premier Card
Annual Fee
$95
Welcome Bonus
60,000 points
Regular APR
21.24%-29.24% (Variable APR)
Credit Score
Good to Excellent (700-749)
With this card, you get the chance to earn greater points on U.S supermarket purchases , gas stations and travel. Although Citi® Premier Card has a high variable APR still it offers multiple perks to a wide user base. If you are looking for a card to carry a balance than this card is not a favorable option.
Reward rates of the No#10Best Credit Cards for Groceries
As welcome bonus you get 60,000 points after you spend a total of $4,000 on purchases within the first 3 months of account opening. For a limited time you can earn 10 Thankyou Points on each dollar you spend on hotel, car rental that is booked on Citi Travel portal.
Earn 3 points on each dollar you spend at restaurants, super markets and more
Earn 3 points on each dollar you spend on travel, gas stations and hotels
On all other purchases you get 1 point on each dollar You spend on all other purchases
The 60,000 Thank You Points are redeemable as $600 in gift cards for travel rewards
Pros
Cons
Flexible travel reward redemption options
No introductory APR offer
Charges no foreign transaction fee
No travel and purchase protections
Add unauthorized users with no extra cost
Frequently Asked Questions
Should I purchase items at grocery store through credit card?
Yes ,using the best credit cards for groceries is a convenient way to have a smooth , secure opportunity to earn greater rewards. With the potential to get a cash back upto 6% you can potentially save a huge chunk of money each year.
What American Express credit card is best for groceries?
Blue Cash Preferred® Card from American Express is of the best cash back cards for groceries and U.S supermarkets. With this card you can get 6% cashback with a spending limit of $6,000 per year.
Which card is best for Amazon purchases?
Amazon Prime Visa is a special card that offer greater rewards specially for Amazon and wholesales.
