Our pick for the best grocery rewards: Blue Cash Preferred® Card from American Express

Up to 6%
Cash back
- Industry-leading cash back on everyday purchases
- Large welcome offer for a cashback card
- Intro APR on purchases
★★★★★
Annual Fee | $0 |
---|---|
Purchase APR | 0% intro for the first 15 months (then 13.99% to 23.99% variable) |
Balance transfer APR | N/A |
Welcome offer | 20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe |
Rewards | 20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases |
★★★★★
Annual Fee | $95 |
---|---|
Purchase APR | 0% intro for the first 12 months (then 13.99% to 23.99% variable) |
Balance transfer APR | N/A |
Welcome offer | $250 after spending $1,000 in the first 3 months |
Rewards | 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases |
Annual Fee | $0 |
---|---|
Purchase APR | 15.24% variable |
Balance transfer APR | 15.24% variable |
Welcome offer | N/A |
Rewards | 4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases |
★★★★★
Annual Fee | $250 |
---|---|
Purchase APR | See pay over time APR |
Balance transfer APR | See pay over time APR |
Welcome offer | 60,000 points after spending $4,000 in the first 3 months |
Rewards | 3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points) |
Annual Fee | $95 |
---|---|
Purchase APR | 0% intro for the first 12 months (then 12.99% to 22.99% variable) |
Balance transfer APR | N/A |
Welcome offer | 15,000 points after spending $1,000 in the first 3 months |
Rewards |
3x points at US supermarkets on up to $6,000 annually (then 1x), 2x points at US gas stations and 1x points on all other purchases
|
Annual Fee | $0 |
---|---|
Purchase APR | 13.99% to 23.99% variable |
Balance transfer APR | 0% intro for the first 12 months (then 13.99% to 23.99% variable) |
Welcome offer | $200 after spending $500 in the first 90 days |
Rewards | 5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases |
Annual Fee | $0 |
---|---|
Purchase APR | 22.9% variable |
Balance transfer APR | N/A |
Welcome offer | N/A |
Rewards | 5% discount at Target stores and Target online |
Annual Fee | $0 |
---|---|
Purchase APR | 14.24% to 22.24% variable |
Balance transfer APR | 14.24% to 22.24% variable |
Welcome offer | $100 Amazon Gift Card instantly upon approval |
Rewards | 5% back at Amazon.com, Whole Foods Market and Zappos, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases |
When comparing the best credit cards for groceries, we looked at a number of features across eligible cards, including which grocery stores were eligible, points or cash back earned per dollar spent, limitations on cashback percentages, annual fees, introductory APRs and other reward perks a consumer might consider.
The cards that stood out above the rest in one or several of these categories, or fulfilled a certain niche, earned a spot on our list.
The American Express® Gold Card has grown into a stellar choice for US supermarket purchases, with Membership Rewards points that can be highly valuable when transferred to travel partners. More generally, Amex continues its dominance in the grocery space, offering cards with excellent rewards on everyday purchases.
The Blue Cash Preferred® Card from American Express and Blue Cash Everyday® Card from American Express have lost their intro APRs on balance transfers. This may not be a deal breaker — especially as the cards still have purchase intro APRs — but the changes still weaken these products. Note that at this time, the cards don’t allow balance transfers at all for new applicants.
Choosing the right card can get confusing — especially with so many products from one provider. Here are a few factors to consider that might help you pick the winner.
The best credit card should meet your financial needs and have the following perks:
This kind of credit card is useful if you have several credit cards for different purposes. But if you want a simple credit card to use on all purchases, consider the following alternatives:
The two most important factors to consider may be each card’s annual fee and how much you spend on groceries. If you’re thinking about an American Express card, consider which type of rewards you want: cash back or membership rewards points. Points can be more valuable, but cash back is simpler.
For excellent options for rewards cards, check out our cashback credit card finder.
Here are our picks for the best store cards of the year.
Our picks for the best no-annual-fee cards.
Dashers can get instant access to earnings, plus 2% cash back at gas stations with this prepaid card.
Current Revolut users can get a free prepaid card for their kids between the ages of 12 and 17.
Earn up to 2.5% back in rewards and get free shipping.
Get up to 5% back in rewards cash and free shipping.
Get 2% back in rewards when you shop for office supplies.
Send unlimited messages to your therapist for $260 a month with this app.
Air Canada anticipates launching the new credit card and also joining Chase’s lineup of travel partners in 2021.
Use your Chase Ultimate points to donate to charities or to pay for your groceries.