The 7 best credit cards for groceries | finder.com
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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.

Our pick for the best cashback rate on groceries

Blue Cash Preferred® Card from American Express

  • Earn a $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.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • 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.
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Compare credit cards for grocery shopping

Name Product Filter values Rewards Purchase APR Annual Fee
6% at US supermarkets on up to $6,000 per year, then 1%. 3% at US gas stations and select US department stores and 1% on all other purchases
15.24% to 26.24% variable
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
15.24% to 26.24% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
17.24% to 25.99% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees

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.

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 cashback earned per dollar spent, limitations on cashback percentages, annual fees, introductory APRs and other reward perks a consumer might weigh when looking at earning while grocery shopping. The cards that stood above the others in one or several of these categories or fulfilled a certain niche earned a spot on our list.

Jump to …

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

Blue Cash Preferred® Card from American Express

  • Earn a $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.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • 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.
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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

  • Earn a $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 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • 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.
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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

  • Earn 35,000 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.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No foreign transaction fees.
  • Annual fee is $250.
  • Terms apply.
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Though it costs a hefty $250 a year (see Rates & Fees ), 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

  • $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 15,000 Membership Rewards® Points after you use your new card to make $1,000 in purchases in your first 3 months.

See Rates & Fees
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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.

See Rates & Fees
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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

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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