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8 Best Cards for Groceries

Get more from your grocery runs with these top cards that put rewards in your pocket.

Bethany Hickey's headshot

By

Bethany Hickey

Edited by

Holly Jennings

Updated

Fact checked

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

4 best debit cards for grocery shopping

OnePay Cash

9.6 Excellent

For a limited time, earn 10% cash back at Walmart on your first purchase made within your first month, on up to $200 spent. T&Cs apply.
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on OnePay's secure site
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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 3.35%
Fee $0 per month

Discover® Cashback Debit

9.6 Excellent

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on Discover's secure site
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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

Blue Cash Preferred® Card from American Express

8.6 Great

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Terms apply, see rates & fees
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 19.99% to 28.99% 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

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

Varo

9.6 Excellent

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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

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

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

Upgrade Rewards Checking Plus

8.6 Great

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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

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.

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

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

Bethany's expertise
Bethany has written 491 Finder guides across topics including:
  • Personal finance
  • Banking
  • Auto loans
  • Insurance
  • Cryptocurrency and NFTs

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