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The 7 best credit cards for groceries

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Amex dominates the board, offering great options for cash back and travel rewards.

If you spend a lot on groceries every month, you’ll be happy to know that the right credit card could help you save.

Several cards reward you handsomely for groceries, offering cash back, points or even discounts. These products tend to offer solid rewards for gas as well.

The best cashback rate on groceries: Blue Cash Preferred® Card from American Express

  • $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
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Compare credit cards for grocery shopping

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$250
See Rates & Fees
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
$0
24.9% variable
A no-annual-fee credit card and discounts when you shop at Target.
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.

Compare up to 4 providers

Best credit cards for groceries

Target REDcard and Amazon give the highest rewards for specific stores. However, American Express sweeps the board in groceries at general US stores. This provider offers strong rewards in this category, letting you earn cash back or Membership Rewards points.

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Best for cash back on groceries with high spending: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
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This card offers a fantastic cashback rate on groceries, but it has an annual fee. That said, you may want to get it if you can squeeze as much of the 6% cash back from your grocery spending as possible.

Assuming you use the card only for groceries, the Blue Cash Preferred® Card from American Express is a better choice than the Blue Cash Everyday® Card from American Express once you spend more than $3,167 a year, or more than $264 a month.

Best for cash back on groceries with moderate spending: Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
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Consider this card if you spend moderately on groceries. Assuming you use it only for that category, it’s the right choice if you spend less than $3,167 a year, or less than $264 a month. If you spend more than that, you might earn more rewards from the Blue Cash Preferred® Card from American Express.

Best for travel rewards overall: American Express® Gold Card

American Express® Gold Card

  • Get the American Express® Gold Card in Limited Edition Rose Gold, only available until 1/9/2019.
  • Receive 20% back as a statement credit at U.S. Restaurants within the first 3 months, up to $100 back. Offer available to new Card Members who apply by 1/9/2019.
  • Plus, earn 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth’s Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
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Though it costs a hefty $250 a year, this card is a strong choice for travel and dining. Whether the annual fee is worth it depends on if you can squeeze all you can out of the rewards. You’ll find tremendous value in the card’s grocery rewards with 4 points per dollar spent at US supermarkets — 1x points after reaching the spending cap — is a generous rate. And the high bonus-purchase limit of $25,000 per calendar year means you can earn great rewards on heavy grocery spending.

Best for shopping at Target: Target REDcard™ Credit Card

Target REDcard™ Credit Card

A no-annual-fee credit card and discounts when you shop at Target.

  • $0 annual fee.
  • Save 5% on purchases at Target stores and Target.com.
  • Early access to special events, products and promotions.
  • 10% off coupon on your card anniversary.
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Target may be your all-in-one-stop for groceries, household supplies and apparel. If that’s the case, the Target REDcard™ Credit Card is a smart choice with its 5% discount on Target purchases.

Best for travel rewards with moderate spending: Amex EveryDay® Credit Card

Amex EveryDay® Credit Card

Earn 10,000 Membership Rewards® Points after you use your new card to make $1,000 in purchases in your first 3 months.

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Consider this card if you make more than 20 purchases with your card each billing cycle and want travel rewards for your grocery spending.

To get the most value from your points, transfer them to select airline and hotel partners. If you’d rather not take the time to do this, consider one of the cashback cards above. They offer simple but strong rewards.

The Amex EveryDay® Credit Card is a good pick if you spend approximately $3,800 or less every year on groceries, or $317 a month. If you spend more than that, you may earn better rewards with Amex EveryDay® Preferred Credit Card.

Best for travel rewards with high spending: Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card

Earn 15,000 Membership Rewards points after you spend $1,000 on purchases in the first 3 months of opening your account.

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This card becomes more valuable than the once you pass $3,800 in grocery spending per year, or about $317 a month.

If you’d prefer not to do the math, stick with this rule of thumb: the closer you get to your $6,000-per-year spending cap on bonus grocery points, the more valuable this card becomes.

Best for shopping at Whole Foods: Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Earn 5% back at Amazon.com and Whole Foods Market.

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The Amazon Prime Rewards Visa Signature Card offers 5% back — an excellent rate — at Whole Foods Market. You must have an eligible Prime membership to apply.

How to compare credit cards for grocery stores

Comparing these cards 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.

  • Annual fee.
    Consider whether you want to pay an annual fee for your card. For some people, an annual fee is a dealbreaker. If this is the most important factor for you, you could narrow your options very quickly.
  • How much you spend on groceries.
    If you spend little on groceries, lean toward the no-annual-fee cards. If you spend a lot, you might get more rewards out of the annual-fee options.
  • Where you shop.
    The Target REDcard™ Credit Card is a formidable contender, but only if you use it at its designated store. Take a serious look at the card if you’re willing to do all of your grocery shopping at Target.
    If you like to shop for groceries outside of Target, one of the American Express cards will likely be a better fit.
  • Whether you want an intro APR.
    Most of Amex’s grocery cards offer decent intro APRs on purchases and balance transfers. The American Express® Gold Card doesn’t have an intro APR.
  • Welcome offer.
    Annual-fee cards tend to have more valuable welcome offers than no-annual-fee cards — though you’ll likely have to spend more to qualify. The Target REDcard™ Credit Card doesn’t have a welcome offer.

Bottom line

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.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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