8 Best Cards for Groceries

Many Americans make these two purchases at least once a week: gas and groceries. They’re such essential expenses to keep life going, so you might as well get some cash back while you’re at it.

There are plenty of credit and debit cards with grocery and gas rewards to save you cash on those costly trips. We’ve compared the best cards for grocery shopping, and we closely looked at annual fees, cashback categories and requirements.

4 best credit cards for grocery shopping

• Blue Cash Preferred® Card from American Express
• Sam's Club® Mastercard®
• Costco Anywhere Visa® Card by Citi
• U.S. Bank Cash+® Visa Signature® Card

4 best debit cards for grocery shopping

• Varo card
• Discover® Cashback Debit
• Upgrade Rewards Checking Plus
• OnePay Cash

Blue Cash Preferred® Card from American Express

8.6 Great

Go to site Terms apply, see rates & fees Read review

Easily one of the best credit cards for groceries, the Blue Cash Preferred card offers 6% cash back on up to to $6,000 in purchases at U.S. supermarkets, then 1%. You can also earn 6% back on U.S. streaming subscriptions, up to 3% on transit and gas and 1% on all other purchases. There is a 0% intro APR on purchases and balance transfers for the first 12 months, followed by 20.24% to 29.24% variable APR, and there's a $0 intro annual fee for your first year, $95 after that.

Welcome Offer	$250
Rewards	Up to 6% cash back
Annual fee	$95 after the first year intro

• Why we like it

  Easily one of the best credit cards for groceries, the Blue Cash Preferred card offers 6% cash back on up to to $6,000 in purchases at U.S. supermarkets, then 1%. You can also earn 6% back on U.S. streaming subscriptions, up to 3% on transit and gas and 1% on all other purchases. There is a 0% intro APR on purchases and balance transfers for the first 12 months, followed by 20.24% to 29.24% variable APR, and there's a $0 intro annual fee for your first year, $95 after that.

• Pros and cons

  Pros

  • $0 annual fee first year
  • Up to 6% cash back on groceries
  • 1% to 3% cash back on other categories

  Cons

  • $95 annual fee after first year

• More details

  Annual fee	$0 intro annual fee for the first year ($95 thereafter)
  Purchase APR	0% intro for the first 12 months (then 20.24% to 29.24% variable)
  Balance transfer APR	0% intro for the first 12 months (then 20.24% to 29.24% variable) Either $5 or 3% of the amount of each transfer, whichever is greater
  Welcome Offer	$250 statement credit after spending $3,000 in eligible purchases in the first 6 months
  Rewards	Up to 6% cash back

• Partner terms and conditions

  Terms apply to American Express benefits and offers.
  Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Welcome Offer	$250
Rewards	Up to 6% cash back
Annual fee	$95 after the first year intro

Go to site Terms apply, see rates & fees Read review

Sam's Club® Mastercard®

8 Great

Terms apply, see rates & fees

If you frequently shop at Sam's Club and have a Sam's Club Plus membership, this might be the grocery cashback card for you. The Sam's Club Mastercard offers up to 5% in Sam's Cash on Sam's Club purchases to earn up to $5,000 in Sam's Cash per year if you have a Plus membership. You can also get up to 5% back on gas on the first $6,000 in purchases per year, up to 3% back on dining and 1% on all other purchases. There's also no annual fee, and the Sam's Club MasterCard doubles as your membership card, so you don't have to carry both cards. The Sam's Cash you earn is automatically sent to your membership card and can only be redeemed at Sam's Club locations or SamsClub.com.

Welcome Offer	$30
Rewards	Up to 5% cash back
Annual fee	$0
Minimum credit score	670

• Why we like it

  If you frequently shop at Sam's Club and have a Sam's Club Plus membership, this might be the grocery cashback card for you. The Sam's Club Mastercard offers up to 5% in Sam's Cash on Sam's Club purchases to earn up to $5,000 in Sam's Cash per year if you have a Plus membership. You can also get up to 5% back on gas on the first $6,000 in purchases per year, up to 3% back on dining and 1% on all other purchases. There's also no annual fee, and the Sam's Club MasterCard doubles as your membership card, so you don't have to carry both cards. The Sam's Cash you earn is automatically sent to your membership card and can only be redeemed at Sam's Club locations or SamsClub.com.

• Pros and cons

  Pros

  • $0 annual fee
  • Up to 5% back with Plus membership
  • Rewards on gas, dining and more
  • Card doubles as Sam's Club membership card

  Cons

  • Sam's Cash earned can only be used at Sam's Club
  • 5% rewards limited

• More details

  Annual fee	$0
  Purchase APR	20.9% to 28.9% variable
  Balance transfer APR	20.9% to 28.9% variable
  Welcome Offer	Get a $30 statement credit when you open a new account and make $30 in Sam's Club purchases within 30 days.
  Rewards	Up to 5% cash back

Welcome Offer	$30
Rewards	Up to 5% cash back
Annual fee	$0
Minimum credit score	670

Terms apply, see rates & fees

Costco Anywhere Visa® Card by Citi

6.8 Standard

Got a Costco membership? This might be the grocery credit card for you. The Costco Anywhere Visa Card by Citi offers up to 5% cash back on gas at Costco, up to 3% on restaurants and travel and up to 2% cash back on other purchases from Costco and Costco.com. You can also earn up to 4% at other gas stations or electric vehicle charging stations and 1% cash back on all other purchases. The Costco Anywhere card doesn't have an annual fee if you have an active Costco membership, no foreign transaction fees, travel and rental car insurance, roadside assistance and more. However, the cash back will be provided as an annual credit reward certificate once February's billing statement closes.

Welcome Offer	n/a
Rewards	Up to 5% cash back
Annual fee	$0
Minimum credit score	740

• Why we like it

  Got a Costco membership? This might be the grocery credit card for you. The Costco Anywhere Visa Card by Citi offers up to 5% cash back on gas at Costco, up to 3% on restaurants and travel and up to 2% cash back on other purchases from Costco and Costco.com. You can also earn up to 4% at other gas stations or electric vehicle charging stations and 1% cash back on all other purchases. The Costco Anywhere card doesn't have an annual fee if you have an active Costco membership, no foreign transaction fees, travel and rental car insurance, roadside assistance and more. However, the cash back will be provided as an annual credit reward certificate once February's billing statement closes.

• Pros and cons

  Pros

  • Up to 5% on gas at Costco
  • Up to 2% on Costco purchases
  • $0 annual fee with Costco membership
  • Travel and car rental insurance

  Cons

  • Requires Costco membership to apply
  • Rewards delivered annually

• More details

  Annual fee	$0
  Purchase APR	19.49% to 27.49% variable
  Balance transfer APR	19.99% variable Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum
  Welcome Offer	N/A
  Rewards	Up to 5% cash back

Welcome Offer	n/a
Rewards	Up to 5% cash back
Annual fee	$0
Minimum credit score	740

U.S. Bank Cash+® Visa Signature® Card

8.8 Great

Terms apply, see rates & fees

The U.S. Bank Cash+ Visa Signature Card is a customizable cashback card with no annual fees and 0% intro purchase and balance transfer APR for your first 15 months. Earn up to 5% cash back on your first $2,000 in purchases each quarter in two categories of your choice, which can be fast food, home utilities, department stores and more. You'll earn up to 2% cash back on one 'everyday' category of your choice, which can be either grocery stores, restaurants or gas. That doesn't even scratch the surface of the categories you can earn cash back on, either. On the downside, this card only earns 1% for grocery and gas purchases at discount superstores and wholesale clubs, which include Walmart and Target.

Welcome Offer	$200
Rewards	Up to 5% cash back
Annual fee	$0
Minimum credit score	670

• Why we like it

  The U.S. Bank Cash+ Visa Signature Card is a customizable cashback card with no annual fees and 0% intro purchase and balance transfer APR for your first 15 months. Earn up to 5% cash back on your first $2,000 in purchases each quarter in two categories of your choice, which can be fast food, home utilities, department stores and more. You'll earn up to 2% cash back on one 'everyday' category of your choice, which can be either grocery stores, restaurants or gas. That doesn't even scratch the surface of the categories you can earn cash back on, either. On the downside, this card only earns 1% for grocery and gas purchases at discount superstores and wholesale clubs, which include Walmart and Target.

• Pros and cons

  Pros

  • Customize your cash back
  • Up to 5% on two categories
  • Up to 2% on one everyday category
  • $0 annual fee

  Cons

  • Limited cash back at superstores or wholesale clubs

• More details

  Annual fee	$0
  Purchase APR	0% intro for the first first 15 billing cycles (then 18.74% to 28.74% variable)
  Balance transfer APR	0% intro for the first 15 months (then 18.74% to 28.99% variable) Balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  Welcome Offer	$200 after spending $1,000 in the first 90 days
  Rewards	Up to 5% cash back

Welcome Offer	$200
Rewards	Up to 5% cash back
Annual fee	$0
Minimum credit score	670

Terms apply, see rates & fees

Varo

9.6 Excellent

Existing and new customers get a $25 referral bonus when signing up for a Varo Bank account. T&C apply.

Go to site on Varo's secure site Read review

One of the highest cashback rates on debit cards available, Varo lets you earn up to 6% cash back on select debit card purchases, up to a total of $50 per month in cash back. Rates can vary based on the purchase, but Varo advertises cash back on over 10,000 brands, including Costco, Old Navy, Disney+, Hydro Flash and Lyft. Varo's checking account also doesn't have monthly fees that chip away your cashback earnings. But as an online bank, you won't have access to physical branches.

Fee	$0 per month
Minimum deposit to open	$0

• Why we like it

  One of the highest cashback rates on debit cards available, Varo lets you earn up to 6% cash back on select debit card purchases, up to a total of $50 per month in cash back. Rates can vary based on the purchase, but Varo advertises cash back on over 10,000 brands, including Costco, Old Navy, Disney+, Hydro Flash and Lyft. Varo's checking account also doesn't have monthly fees that chip away your cashback earnings. But as an online bank, you won't have access to physical branches.

• Pros and cons

  Pros

  • No monthly fees
  • High 6% cash back
  • Earn cash back at over 10,000 brands

  Cons

  • No physical branches
  • Doesn't support wire transfers

• More details

  Annual Percentage Yield (APY)	N/A
  Intro or bonus offer	Existing and new customers get a $25 referral bonus when signing up for a Varo Bank account. T&C apply.
  Rewards	Earn up to $50 per month in cashback rewards
  Fee	$0 per month
  Nonsufficient funds fee	$0
  ATM transaction fee	$0
  Overdraft fee	$0
  Foreign transaction fee	0%

Fee	$0 per month
Minimum deposit to open	$0

Go to site on Varo's secure site Read review

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Upgrade Rewards Checking Plus

8.6 Great

Read review

Earn up to 2% cash back on everyday expenses, up to $500 annually or around $41 per month. The 2% rate applies to utilities, subscriptions, bars, restaurants, gas stations, drug stores, convenience stores, food deliveries and more. And you also get 1% cash back on all other purchases. Activate cashback rewards by being an 'active' account member, which requires at least $1,000 of direct deposits per month.

Fee	$0 per month
Minimum deposit to open	$0

• Why we like it

  Earn up to 2% cash back on everyday expenses, up to $500 annually or around $41 per month. The 2% rate applies to utilities, subscriptions, bars, restaurants, gas stations, drug stores, convenience stores, food deliveries and more. And you also get 1% cash back on all other purchases. Activate cashback rewards by being an 'active' account member, which requires at least $1,000 of direct deposits per month.

• Pros and cons

  Pros

  • No monthly fees
  • Up to 2% on multiple categories
  • 1% on all other purchases

  Cons

  • Online only
  • Lower cap than some other cards
  • Requires direct deposit to activate rewards

• More details

  Annual Percentage Yield (APY)	N/A
  Rewards	Up to 2% cash back on everyday purchases for active accounts with monthly $1,000 direct deposit, and up to 1% cash back for other purchases
  Fee	$0 per month
  Nonsufficient funds fee	$0
  ATM transaction fee	$0
  Overdraft fee	$0
  Foreign transaction fee	3%

• Partner terms and conditions

  Rewards Checking Plus customers who set up monthly direct deposits of $1,000 or more earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants and bars - including deliveries - and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.
  
  Upgrade is a financial technology company, not a bank.  Rewards Checking services provided by Cross River Bank, Member FDIC.  Upgrade Visa ® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Fee	$0 per month
Minimum deposit to open	$0

Read review

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Discover® Cashback Debit

9.6 Excellent

Go to site on Discover's secure site Read review

This account has no monthly fees or opening deposit requirements. Earn up to 1% cash back on up to $3,000 in monthly debit card purchases, which is about $30 in cashback earnings a month. It's a simple account with great earnings, and Discover also doesn't charge foreign transaction fees making it a solid card to travel with. While the 1% cash back is lower than many on this list, Discover doesn't make you jump through hoops to get that rate.

Fee	$0 per month
Minimum deposit to open	$0

• Why we like it

  This account has no monthly fees or opening deposit requirements. Earn up to 1% cash back on up to $3,000 in monthly debit card purchases, which is about $30 in cashback earnings a month. It's a simple account with great earnings, and Discover also doesn't charge foreign transaction fees making it a solid card to travel with. While the 1% cash back is lower than many on this list, Discover doesn't make you jump through hoops to get that rate.

• Pros and cons

  Pros

  • No monthly fees
  • Up to 1% cash back on all purchases
  • 0% foreign transaction fees

  Cons

  • Mostly online bank
  • Cashback rate lower than some competitors

• More details

  Annual Percentage Yield (APY)	N/A
  Rewards	Earn 1% cash back on up to $3,000 in debit card purchases each month. .
  Fee	$0 per month
  Nonsufficient funds fee	$0
  ATM transaction fee	$0
  Overdraft fee	$0
  Foreign transaction fee	0%
  Paper statement fee	$0

• Partner terms and conditions

  Earn 1% cash back on up to $3,000 in debit card purchases each month. See website for details.

Fee	$0 per month
Minimum deposit to open	$0

Go to site on Discover's secure site Read review

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OnePay Cash

9.6 Excellent

Earn 10% cash back at Walmart on your first purchase made within your first month, on up to $200 spent. Limited time offer. Earn 3% cash back at Walmart on up to $150 spent per month, with eligible deposits.

Go to site on OnePay's secure site Read review

If you're a Walmart shopper, this is an account worth checking out. The OnePay Cash account is a hybrid account, offering checking and savings. Earn up to 3% cash back for up to $150 per year at places like US Walmart locations and Walmart.com. To be eligible for cash back, you must set up a direct deposit of at least $500 per month or have a total balance of at least $5,000. The savings part of this hybrid account can also earn up to 3.75% APY if you meet those same direct deposit requirements.

APY	Up to 3.75%
Fee	$0 per month
Minimum deposit to open	$0

• Why we like it

  If you're a Walmart shopper, this is an account worth checking out. The OnePay Cash account is a hybrid account, offering checking and savings. Earn up to 3% cash back for up to $150 per year at places like US Walmart locations and Walmart.com. To be eligible for cash back, you must set up a direct deposit of at least $500 per month or have a total balance of at least $5,000. The savings part of this hybrid account can also earn up to 3.75% APY if you meet those same direct deposit requirements.

• Pros and cons

  Pros

  • No monthly fees
  • Up to 3.75% APY with direct deposit requirements
  • Up to 3% cash back at Walmart

  Cons

  • Online only
  • Requires deposit or balance requirements for cash back

• More details

  Annual Percentage Yield (APY)	3.75% on balances of $5,000 to $250,000 1.00% on balances of $0 to $4,999 1.00% on balances of $250,001+
  Intro or bonus offer	Earn 10% cash back at Walmart on your first purchase made within your first month, on up to $200 spent. Limited time offer. Earn 3% cash back at Walmart on up to $150 spent per month, with eligible deposits.
  Rewards	Earn 3% cash back at Walmart on up to $150 spent per month, with eligible deposits.
  Fee	$0 per month
  Overdraft fee	$0
  Foreign transaction fee	0%

• Partner terms and conditions

  OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
  10% cash back at Walmart: Only available to customers who initiate their account application through certain channels from 3/21/25 - 9/30/25. Cash back earned as OnePay Points. See terms at onepay.com/10percent.
  3% cash back at Walmart: Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the OnePay Rewards Terms. Only applies to OnePay Cash accounts that have either (i) received Direct Deposit totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ as of the last day of the previous month. This reward applies to purchases at U.S. Walmart locations and on Walmart.com only and may not be combined with other OnePay Cash promotions for cash back at Walmart.
  Early Pay: Get paid up to 2 days early. Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.
  3.75% APY on Savings with eligible deposits: 3.75% annual percentage yield (APY) applies to the Savings balance of OnePay Cash accounts that have either (i) received $500+ of Direct Deposit in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.75% APY is also earned on Pay Autosave balances without deposit or balance requirements. 3.75% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 12/20/2024, but may change at any time before or after account opening.
  ATM: Only applies to OnePay Cash accounts that have either (i) received Direct Deposit totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other ATM transactions the OnePay ATM Fee will apply and third-party ATM fees may be incurred.
  Overdraft Protection: Available to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. You must be 18 or older to receive Overdraft Protection. When on, Savings Backup will be used before Overdraft Protection.
  Overdraft balance is due right away. Transactions eligible for Overdraft Protection are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details.

APY	Up to 3.75%
Fee	$0 per month
Minimum deposit to open	$0

Go to site on OnePay's secure site Read review

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Methodology: How we chose the best cashback cards for groceries

We compared dozens of cashback credit cards and debit cards that offer cashback rewards on everyday categories, such as groceries, gas and household purchases. To be considered for our list, cards must meet the minimum requirements:

• Annual fee under $100
• No strict membership requirements
• Cashback rewards offered on at least one of these categories:
  • Groceries
  • Gas
  • Superstores or wholesale clubs
  • Online grocery purchases

How to choose the best cards for groceries

Here are a few factors to consider that might help you pick the winner for your grocery trips.

• Cost. Consider the card’s annual fee, monthly fees and APR. There are also many cards with generous 0% APR intro periods.
• Debit or credit? Struggle to pay back credit cards on time? Prefer to use your earned cash? A cashback debit card might be the right move for you. But if borrowing is a non-issue for you, credit cards typically offer higher cashback rates than rewards debit cards.
• Where you shop. Some cards offer rewards at all grocery stores, while others specify where you can earn those tasty rewards, such as the Sam’s Club MasterCard offering rewards at its own store.
• Maximum earnings. Commonly, cashback cards limit how much you earn on purchases. If you’re a big spender, you may want something with higher thresholds or unlimited rewards.
• Welcome offer. Some cards offer bonus cash as a welcome offer, like the Blue Cash Everyday Card, which offers up to $200 back if you spend at least $2,000 in purchases within the first six months of card ownership.
• Credit building. If you’re looking to build credit history, consider a credit card. Debit cards don’t build credit history, since they don’t involve using credit.

Alternatives to cards for grocery shopping

If you want a simple credit card or debit card to use on all purchases, not just gas and groceries, check these out:

• Flat cashback cards. There are several cashback credit cards that earn unlimited cash back on everything you buy.
• Rotating category cards. Some cards let you earn a massive 5% cash back on select categories that rotate each quarter, like the Chase Freedom Flex card or the Discover It credit card.
• Cashback prepaid cards. Most prepaid cards don’t earn cash back, but there are a few out there. One example is the Walmart MoneyCard, offering up to 3% at Walmart.com, up to 2% at Walmart fuel stations and 1% in-store.

Bottom line

Cashback rewards can be great for everyday savings, especially when it comes to grocery shopping, since it’s something we all tend to do every week. Other household expenses, like gas or streaming services, tend to be common cashback categories for reward cards as well, taking a few dollars off everyday purchases to give our wallets some slack.

Compare more credit cards or more checking accounts.

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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