Best credit cards for groceries of April 2025
Groceries are an essential expense, making rewards credit cards an invaluable tool for maximizing the value of these purchases. Our editors meticulously analyze the market to identify the best credit cards for groceries, encompassing cash-back, travel rewards, and other rewarding options.
While store-branded cards may offer limited discounts, a broader strategy often proves more advantageous. A grocery credit card provides the flexibility to earn rewards at top grocery stores, empowering consumers to shop where they prefer while accumulating valuable rewards. Moreover, many leading cards extend bonus rewards beyond grocery purchases, maximizing the return on everyday spending.
OUR FEATURED CARD LIST
CardRatings’ top picks for the best credit cards for groceries
Maximize your grocery budget with a best credit card for grocery shopping. Our expert-curated list features top-tier cards that offer generous rewards on grocery purchases, helping you save money on essential food expenses. From cash back to travel points, discover the best card to fit your needs and start saving today.
Why we like it
This card is hands-down one of the best cards for groceries in terms of the percentage of cash back offered. With an offering of up to 6% back on purchases made at U.S. grocery stores, it's a hard offer to beat. American Express is a CardRatings advertiser.
This card is hands-down one of the best cards for groceries in terms of the percentage of cash back offered. With an offering of up to 6% back on purchases made at U.S. grocery stores, it's a hard offer to beat. American Express is a CardRatings advertiser.
- This card offers 6% cash back on all grocery purchases at U.S. supermarkets up to $6,000 per year. That works out to a maximum of $360 in cash back on groceries alone. Who ever said grocery shopping wasn't fun?!
- Introductory 0% APR on all new purchases and balance transfers for intro_apr_duration from the date of account opening is a great offer if you have a large purchase on the horizon. After the intro period, regular RegAPR APR applies.
- The welcome bonus offer is easy to earn and could go a long way towards future grocery purchases.
- Some stores may seem like "supermarkets," but they might not actually qualify for the rebate. Wholesale clubs, superstores and alcohol retailers are typically the culprits for this confusion.
- You'll probably want to leave this card at home when you travel abroad as it charges fees on foreign transactions.
Why we like it
This card is a strong choice for frequent Costco shoppers, but it also offers valuable cash-back rewards for a wide range of purchases. Cardholders earn significant cash back on gas purchases, including those at Costco and other eligible gas and EV charging stations. A good rate of cash back is also earned at restaurants and on eligible travel purchases, including those made through Costco Travel. Purchases made at Costco and Costco.com also earn cash back. This card is available to warehouse club members with no annual fee and no foreign transaction fees.Citi is a CardRatings advertiser.
This card is a strong choice for frequent Costco shoppers, but it also offers valuable cash-back rewards for a wide range of purchases. Cardholders earn significant cash back on gas purchases, including those at Costco and other eligible gas and EV charging stations. A good rate of cash back is also earned at restaurants and on eligible travel purchases, including those made through Costco Travel. Purchases made at Costco and Costco.com also earn cash back. This card is available to warehouse club members with no annual fee and no foreign transaction fees.Citi is a CardRatings advertiser.
- No annual fee with your paid Costco membership and no foreign transaction fees.
- You earn 2% on purchases from Costco and Costco.com which is great if you like to do your grocery shopping in bulk.
- Because this card earns a robust 5% cash back rewards on gas at Costco and 4% on other eligible gas and EV charging purchases (for the first $7,000 per year) it's also great if you like to fill you car up with gas after you grocery shop.
- While it's easy to accumulate cash back, it's only redeemed once a year and is done automatically, giving the cardholder very little control.
- Costco membership is required. While the card has no annual fee, you must pay for a Costco membership to apply.
Why we like it
This card has long been a travel favorite, but now thanks to updated bonus categories such as streaming services and online grocery store purchases, it's now a top pick as an everyday card as well.
This card has long been a travel favorite, but now thanks to updated bonus categories such as streaming services and online grocery store purchases, it's now a top pick as an everyday card as well.
- Chase Ultimate Rewards points are some of the most coveted rewards points out there, so when shopping for groceries with this card, you're in a way helping yourself save on a future vacation.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠.
- Make your rewards go even further by taking advantage of Chase's extensive list of travel partners.
- There is an annual fee to consider.
- Rewards earned are best used for travel, so if you're looking for something more flexible, a cash-back credit card may be a more suitable option.
Why we like it
Are grocery stores where you spend the most money each month? If so, you'll earn 5% back on those purchases as this card earns bonus rewards in your top eligible spend category each billing cycle (up to the first $500 spent, then 1%). Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
Are grocery stores where you spend the most money each month? If so, you'll earn 5% back on those purchases as this card earns bonus rewards in your top eligible spend category each billing cycle (up to the first $500 spent, then 1%). Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
- Perhaps some months you spend heavily on grocery purchases, but other months you spend most of your money elsewhere. With this credit card, you'll get rewarded for it all. As long as you're spending in an eligible spend category, you'll automatically earn 5% back on where you're spending most each billing cycle, up to the first $500 spent.
- Rewards earned with this card are automatic. There are no category enrollments to worry about, or no rewards tiers to juggle.
- This is a good card if you have a large purchase on the horizon or if you need some time to pay off an existing balance interest free as it offers intro 0% APR for intro_apr_duration and balance transfers (then RegAPR).
- If your spending is all over the place, you might have trouble maximizing the amount of rewards that can be earned with this card.
- Once you reach $500 in spending in any eligible bonus category each billing cycle, you'll only earn 1% on purchases.
Why we like it
In addition to 2% cash back earned at grocery stores and wholesale clubs, this card offers 3% cash back in a choice category (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), making it a great option for a variety of spending habits. Plus, Bank of America Preferred Rewards members can earn 25%-75% more cash back on purchases, making it a prime pick for existing Bank of America bankers.
In addition to 2% cash back earned at grocery stores and wholesale clubs, this card offers 3% cash back in a choice category (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), making it a great option for a variety of spending habits. Plus, Bank of America Preferred Rewards members can earn 25%-75% more cash back on purchases, making it a prime pick for existing Bank of America bankers.
- As a Preferred Rewards client (membership and tiers are based on a three-month average balance across your eligible Bank of America accounts) you can earn 25%-75% more cash back on each purchase depending on your tier.
- You can choose the category in which you'll earn the highest rewards so you can rest assured that you're fully optimizing the card's reward potential.
- Bank of America offers BankAmerideals® through which you select deals from an ever-changing list of retailers, restaurants and websites. Just pay for your product or service with an eligible Bank of America credit or debit card (such as this one), and earn the listed cash back directly into your linked account.
- If you aren't a Bank of America Preferred Rewards client, you could miss out on the full rewards potential offered by this card.
- You can only adjust your 3% cash-back earning category once per calendar month. If an unexpected expense comes up in a different category after you've already made your choice, you’ll only earn 1% cash back on that category.
Why we like it
This is an excellent option for anyone who doesn’t want to think about how they earn rewards, and instead, just want to earn them… no thought required. With this card you'll earn a flat 2X miles on every purchase you make. So whether you’re shopping for groceries at your local supermarket or at Target, making a travel purchase, or using your card to pay your gym membership, you’ll earn 2X miles on every dollar you spend. It’s as simple as that.
This is an excellent option for anyone who doesn’t want to think about how they earn rewards, and instead, just want to earn them… no thought required. With this card you'll earn a flat 2X miles on every purchase you make. So whether you’re shopping for groceries at your local supermarket or at Target, making a travel purchase, or using your card to pay your gym membership, you’ll earn 2X miles on every dollar you spend. It’s as simple as that.
- Simplicity is a beautiful thing when it comes to a rewards program. The Venture card gives you unlimited 2X miles for every dollar spent on every purchase, and 5X miles for every dollar spent on hotels, vacation rentals and rental cars booked through Capital One Travel.
- In addition to travel, miles can also be redeemed for various travel expenses, such as hotel stays, vehicle rentals and theme park tickets. Miles can also be turned into cash and merchandise credit.
- There are no foreign transaction fees.
- If you do choose to redeem your miles for cash, the value likely won't be as strong as redeeming for travel or merchandise.
- The current partner airlines with the Venture card are not the most common or frequently used for rewards travel so transferring miles may not provide as much value as other card programs.
Why we like it
This card allows you to maximize your rewards on healthy and delicious groceries at Whole Foods Market. Combine the rewards-power you have at Whole Foods with the bonus rewards you can earn on Amazon.com (with an eligible Prime membership), and you can quickly rack up significant savings on your everyday essentials, including those groceries from Whole Foods.
This card allows you to maximize your rewards on healthy and delicious groceries at Whole Foods Market. Combine the rewards-power you have at Whole Foods with the bonus rewards you can earn on Amazon.com (with an eligible Prime membership), and you can quickly rack up significant savings on your everyday essentials, including those groceries from Whole Foods.
- This card offers significant rewards on purchases made at Amazon.com, Amazon Fresh, and Whole Foods Market. You'll earn a generous percentage back on every purchase from these retailers, all which offer groceries.
- While this is a branded card, it still offers valuable rewards on everyday spending. You'll earn a generous percentage back at gas stations, restaurants, and on local transit and commuting, including rideshares. Plus, you earn a smaller percentage back on all other purchases. This makes it a versatile cash-back rewards card for nearly any purchase you make.
- The welcome bonus isn't a bad offer, but it is fairly restrictive. There are other cards out there with more flexible rewards and welcome offers if that's important to you.
Why we like it
The CardName is good choice for rewards on both U.S. supermarket purchases and dining, but while most of the best cards for groceries offer cash back, this card gives cardholders Membership Rewards points that can be redeemed for travel, gifts or statement credits. Points can also be transferred to other loyalty programs such as Marriott Bonvoy and Delta SkyMiles for added flexibility. The Gold Card comes with more perks than we can possibly name here. A dining credit, Uber Cash and car rental insurance are just a few of the cardholder benefits. Enrollment required for select benefits.
The CardName is good choice for rewards on both U.S. supermarket purchases and dining, but while most of the best cards for groceries offer cash back, this card gives cardholders Membership Rewards points that can be redeemed for travel, gifts or statement credits. Points can also be transferred to other loyalty programs such as Marriott Bonvoy and Delta SkyMiles for added flexibility. The Gold Card comes with more perks than we can possibly name here. A dining credit, Uber Cash and car rental insurance are just a few of the cardholder benefits. Enrollment required for select benefits.
- If you like racking up rewards in a hurry, this card fits the bill thanks to its extensive rewards categories and high earning rates.
- You can earn up to $10 in statement credits monthly when you pay with your card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (enrollment required).
- This card also comes with up to $120 Uber cash annually; just add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. (when you select an American Express Card for your transaction). Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
- There are no foreign transaction fees, which can result in big savings if you travel overseas frequently for business or pleasure.
- The annual fee is hefty. It can be offset by the rewards you earn but not if American Express is not your go-to card.
- Unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.
- The overall rewards earning with the Gold card is good, however the travel rewards earning being higher only on specific travel purchases made through American Express can be a bit of a barrier compared to other travel rewards cards that offer higher points earning on most travel purchases.
Why we like it
Fuel your foodie lifestyle and your grocery budget with this rewarding card. Earn valuable rewards at eligible grocery stores, turning your everyday shopping trips into opportunities to save. Combined with a great bonus opportunity and top-tier rewards on dining out, this no-annual-fee card is perfect for those who love to explore new restaurants and stock their kitchens with delicious ingredients.
Fuel your foodie lifestyle and your grocery budget with this rewarding card. Earn valuable rewards at eligible grocery stores, turning your everyday shopping trips into opportunities to save. Combined with a great bonus opportunity and top-tier rewards on dining out, this no-annual-fee card is perfect for those who love to explore new restaurants and stock their kitchens with delicious ingredients.
- The cash-back rewards can add up fairly quickly without too much effort. The rewards won't expire for the life of the account, and there is no cap on how much you can earn.
- This is a great option for foodies of all types. Whether you prefer to dine out or cook most of your meals at home, you'll enjoy the same great rewards, all for no annual fee.
- This is an excellent no-annual-fee card for people whose spending is largely on food, whether dining out or shopping at eligible grocery stores. If that isn't you, you'll want to search for a cash-back card with higher earn rates in other categories.
Why we like it
This card rewards you once when you make a purchase and again when you pay your bill. There's no annual fee, and you get a flat cash-back reward so there is no need to worry about your Walmart or Target purchases not counting as groceries. If you need to transfer a balance, you're sure to appreciate the 0% intro APR for balance_transfer_duration_months (then RegAPR.
This card rewards you once when you make a purchase and again when you pay your bill. There's no annual fee, and you get a flat cash-back reward so there is no need to worry about your Walmart or Target purchases not counting as groceries. If you need to transfer a balance, you're sure to appreciate the 0% intro APR for balance_transfer_duration_months (then RegAPR.
- This card offers a 0% introductory interest rate for a full balance_transfer_duration_months (then RegAPR.
- No annual fee is always a nice perk when it comes to rewards credit cards.
- Earning rewards is easy with this card. You get 1% when you make the purchase and another 1% when you pay for them on time.
- This card doesn't offer an introductory interest rate for purchases.
- To qualify for the bonus cash-back rewards, you need to make at least the minimum payment, on time each month. This encourages healthy credit card practices though, so it's not too strong of a con in our minds.
Why we like it
In addition to a strong rewards rate on gas purchases, this card also rewards cardholders handsomely for other travel purchases, as well as in some popular everyday spend categories.
In addition to a strong rewards rate on gas purchases, this card also rewards cardholders handsomely for other travel purchases, as well as in some popular everyday spend categories.
- This card also awards triple points for purchases at supermarkets, making it a great card for earning rewards on groceries.
- You can think of the bonus as covering at least six years of annual fees if you redeem for gift cards through thankyou.com. And that's without considering the other rewards you can earn with regular use.
- You can earn bonus rewards in multiple everyday categories, so it's easier to rack up the points.
- This card has an annual fee that might get expensive if you don't earn the bonus or rewards.
- The ThankYou® Points program isn't as well-known as some other travel rewards currency programs out there, but it can still be worthwhile for certain travelers.
Why we like it
The CardName is geared towards credit card users with a limited credit history and/or fair credit. It earns unlimited, flat 1.5% cash back on every purchase made, including grocery purchases.
The CardName is geared towards credit card users with a limited credit history and/or fair credit. It earns unlimited, flat 1.5% cash back on every purchase made, including grocery purchases.
- We like things nice and simple. This card offers a flat 1.5% cash-back rate on every purchase. No caps, no categories, no expiration.
- There are no foreign transaction fees charged with this card.
- The 1.5% flat cash-back rate is only fair. Many other cards offer a higher base rate or offer specialty categories with significantly higher cash back rates. This is a good offer though for people with fair credit scores.
- The annual fee is modest, but still, it's something to consider.
Why we like it
This card is sure to satisfy your hunger for savings, especially if you rely on grocery delivery services like Instacart. Earn valuable rewards on every Instacart order, turning your grocery deliveries into opportunities to save. Plus, the card offers bonus rewards in other popular spending categories, like restaurants and gas stations, making it a rewarding choice beyond just grocery delivery. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
This card is sure to satisfy your hunger for savings, especially if you rely on grocery delivery services like Instacart. Earn valuable rewards on every Instacart order, turning your grocery deliveries into opportunities to save. Plus, the card offers bonus rewards in other popular spending categories, like restaurants and gas stations, making it a rewarding choice beyond just grocery delivery. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
- Receive an entire year of free delivery when you are approved for the account plus a $100 credit for you to spend on Instacart purchases.
- Share the benefits that are associated with this card with another person of your choosing, at no extra cost.
- There's no annual fee, however, if you aren't a regular Instacart user you'll likely fare better with a more generic cash-back credit card.
Why we like it
Stocking up on breakroom snacks, coffee, and other office essentials at Costco can already save a businesses money, and using the right rewards card can boost those savings even further. If Costco is your go-to for business supplies, leveraging a rewards card designed for these purchases is a smart way to double dip on your savings. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
Stocking up on breakroom snacks, coffee, and other office essentials at Costco can already save a businesses money, and using the right rewards card can boost those savings even further. If Costco is your go-to for business supplies, leveraging a rewards card designed for these purchases is a smart way to double dip on your savings. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
- Cardholders not only earn bonus rewards on Costco purchases, but in other categories that might be popular with business owners as well.
- This card doesn't charge foreign transaction fees, or an annual fee with a paid Costco membership.
- Rewards are only distributed once annually, once your February billing statement closes. This isn't idea for cardholders who wish to cash in on rewards at their leisure.
Compare the best grocery credit cards by perks and features
Want to see how our picks for the best credit cards for groceries stack up against each other? Our comparison tool makes it easy to compare up to threetwo cards at a time. Simply select the cards you’re interested in and we’ll automatically display their key perks and features side-by-side. With a quick glance, you can easily identify the card that best suits your needs and preferences.
Select up to 23 cards to compare side-by-side:
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Compare the best credit cards for groceries by user ratings
By analyzing real-world user experiences, we have developed a robust rating system that reflects the performance and value of various credit cards based on consumer insights. This chart allows you to easily compare these ratings side-by-side, enabling informed decision-making based on the feedback of actual cardholders.
How did each of our winning cards rate according to you?
CardRatings commissioned Slice MR in November 2024 to survey 1,666 cardholders nationwide. Responses were given on a scale of 1-10 and respondents’ ratings were then averaged under broad topics.
How did each of our winning cards rate according to you?
CardRatings commissioned Slice MR in November 2024 to survey 1,666 cardholders nationwide. Responses were given on a scale of 1-10 and respondents’ ratings were then averaged under broad topics.
COST EFFECTIVENESS
REWARDS SATISFACTION
CUSTOMER SERVICE
WEBSITE/APP USABILITY
LIKELIHOOD OF CONTINUING TO USE
RECOMMEND TO A FRIEND/COLLEAGUE
Survey results by card
Select a card below to see the results for each card.
Survey methodology: CardRatings commissioned Slice MR in November 2024 to survey 1,666 cardholders nationwide. CardRatings’ website analytics from Jan. 1, 2024-Oct. 31, 2024 were used to determine a selection of the most popular cards. Responses to 10 questions were given on a scale of 1-10. For nine of these questions, respondents’ scores were averaged under broad topics. The overall rating represents an average of respondents’ responses to their overall rating of each card. “Cardholder favorite” cards are those scored in the top 10 overall.
Ask CardRatings’ experts
Can credit cards save consumers money on grocery purchases?
My personal strategy involves using cash back cards to earn a percentage back on food spending, then redeeming rewards for statement credits to my account. If utilized this way, then yes, rewards cards can help consumers save. However, the key to ending up ahead with rewards is paying your statement balance in full each month and never paying a dime in interest.
Credit cards can be an overlooked way to save on groceries. I find it's best to select a card that offers multiple points for every dollar spent at the grocery store that you can redeem for cash. Just pay attention to the details, because not all options include warehouse clubs.
Credit cards that earn rewards can save you money on grocery purchases by earning you a percentage back on your spending. My wife and I use a credit card that earns 6% cash back at the supermarket, which is like getting a 6% discount every time we shop.
How can consumers maximize savings with grocery credit cards?
Look into grocery store credit cards that offer a higher rewards rate on food spending and in other bonus categories, and prioritize cards that don't charge an annual fee. To actually end up ahead with rewards, you'll need to pay your credit card statement balance in full each month with no exceptions.
The easiest way I've found to boost savings is to use a grocery rewards card that offers rotating incentives at stores where I know I'll save money. Sometimes, my family can receive up to 6% cash back in statement credits.
To maximize savings, look for a grocery credit card with a rewards structure that matches how you spend. Some of the best grocery credit cards also offer high rewards in other everyday categories too, like gas and dining spending.
Our CardFinder tool is also a great way to find the right card for you!
Tired of searching for the right credit card? CardFinder makes it quick and easy. Simply tell us your preferences and we’ll do the heavy lifting. Our three-step process saves you time and effort, so you can spend less time searching and more time enjoying the rewards. Get started today!
Frequently asked questions about grocery credit cards
How do grocery rewards work?
All grocery rewards credit cards automatically reward users for their purchases, but how they do that can vary by card. For instance, some rewards cards offer flat rate cash back for every purchase, regardless of whether you’re shopping at a grocery store or somewhere else. Others offer extra rewards for purchases at supermarkets. The best credit cards for groceries offer as much as 6% cash back when you shop at eligible stores.
This cash back accumulates in your account and then can be redeemed as a statement credit, for merchandise or gift cards, or as a direct payment. A few cards offer miles or points instead of cash back which can be redeemed for travel, merchandise or experiences.
Does Walmart do cash back on credit cards?
Walmart and Target typically are not considered grocery stores by credit card issuers. Some companies, such as American Express and Capital One, specifically state on their websites that superstores are excluded from grocery rewards. However, you may need to read the fine print or contact customer services to confirm whether this is the case for other issuers. If you shop primarily at one of these big box stores, the best card for groceries in your case may be an all-purpose cash-back card that offers the same rewards for all purchases, regardless of where you shop. Learn more in our article, "Which credit cards earn cash back at Walmart and Target."
How to save on grocery bill
Grocery shopping is unavoidable, so maximize your spending with rewards credit cards. Look for cards offering bonus rewards at supermarkets and combine them with coupons and savings apps. Pay your balance in full each month to avoid negating rewards with interest charges.
Consider your preferred grocery stores and choose a card that aligns with your shopping habits. Utilize the card with the highest rewards for each purchase. Determine your preferred reward type (cash back, travel, etc.) and choose a card that aligns with your goals. If pursuing a signup bonus, meet the spending requirement within the introductory period.
Are there grocery credit cards with no annual fee?
Yes, there are several excellent grocery credit cards with no annual fee, many of which are featured above.
What credit card is best for groceries?
For groceries, the best credit card offers strong rewards (cash back or points) specifically on supermarket purchases. Look for cards with high grocery rewards rates, ideally no annual fee, and potentially a sign-up bonus. Some cards also offer extra rewards on other categories like gas or dining. Consider how much you spend on groceries, your other spending, and how you prefer to redeem rewards. Paying your balance in full monthly is crucial to avoid interest. Check the list above for specific card details to find the best fit for you.
Can you get cash back with a credit card at a grocery store?
Can you buy groceries online with a credit card?
Yes, you can typically buy groceries online using a credit card with most major grocery delivery services and online stores.
Does buying groceries with a credit card build credit?
Meet the editorial team
Rating methodology: CardRatings’ experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.
To see the rates and fees for the American Express cards mentioned in this post, please visit the following links: card_name (See Rates and Fees); CardName (See Rates and Fees);
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
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