BEST FOR CUSTOMIZABLE REWARDS

Apply now
On Citi's secure site
Rewards rate
  • 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • 1% Earn unlimited 1% cash back on all other purchases.
Intro offer
$200 
Annual fee
$0
Regular APR
16.24% - 26.24% (Variable)
Recommended credit
Good to Excellent (670 - 850)
Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with CardMatch™
Rewards rate
  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% 6% Cash Back on select U.S. streaming subscriptions.
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases
Intro offer
$350 
Annual fee
$95
Regular APR
16.24%-26.24% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Capital One's secure site
Rewards rate
  • 8% Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.
Intro offer
$200 
Annual fee
$0
Regular APR
16.49% - 26.49% (Variable)
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Bank of America's secure site
Rewards rate
  • 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 1% Earn unlimited 1% on all other purchases.
Intro offer
$200 
Annual fee
$0
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Recommended credit
Good to Excellent (670 - 850)

BEST FOR ONLINE GROCERY PURCHASES

Apply now
On Chase's secure site
Rewards rate
  • 5x 5x on travel purchased through Chase Ultimate Rewards®
  • 3x 3x on dining.
  • 2x 2x on all other travel purchases, plus more.
Intro offer
60,000 points 
Annual fee
$95
Regular APR
17.49% - 24.49% Variable
Recommended credit
Good to Excellent (670 - 850)

BEST FOR BACKUP GROCERY REWARDS

Apply now
On Chase's secure site
Rewards rate
  • 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1% Unlimited 1% cash back on all other purchases.
Intro offer
$200 
Annual fee
$0
Regular APR
16.49% - 25.24% Variable
Recommended credit
Good to Excellent (670 - 850)

BEST FOR TRAVEL REWARDS ON GROCERIES

Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with CardMatch™
Rewards rate
  • 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
  • 4X Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
Intro offer
60,000 points 
Annual fee
$250
Regular APR
18.24%-25.24% Variable
Recommended credit
Good to Excellent (670 - 850)

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Compare Bankrate’s top grocery rewards cards

Card name Best for Rewards highlights Bankrate review score
Citi Custom Cash℠ Card Customizable rewards 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Unlimited 1% cash back on all other purchases. 4.4 / 5 (Read full card review)
Blue Cash Preferred® Card from American Express Everyday value 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%)

6% cash back on select U.S. streaming subscriptions

3% cash back on transit

3% cash back at U.S. gas stations

4.0 / 5 (Read full card review)
Capital One SavorOne Cash Rewards Credit Card No-annual-fee food + entertainment rewards 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®) plus 1% cash back on all other purchases 4.4 / 5 (Read full card review)
Bank of America® Customized Cash Rewards credit card Wholesale clubs 3% in choice category (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)

2% cash back at grocery stores and wholesale clubs

4.1 / 5 (Read full card review)
Chase Sapphire Preferred® Card Online grocery purchases 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more 4.6 / 5 (Read full card review)
Chase Freedom Flex℠ Backup grocery rewards 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 percent) and on Chase Ultimate Rewards travel purchases 4.3 / 5 (Read full card review)
American Express® Gold Card Dining and travel rewards 4X Membership Rewards® points per dollar at U.S. supermarkets (on up to $25,000 purchases per calendar year, then 1X) and restaurants 4.3 / 5 (Read full card review)

A closer look at our top-rated grocery rewards cards

Citi Custom Cash℠ Card: Best for customizable rewards

  • What we love about the Custom Cash Card: It’s one of the only rewards cards that adapts to fit your spending habits: You’ll earn 5 percent back in your top eligible spending category each billing cycle (on up to $500 in spending each billing cycle, then 1 percent). Grocery store purchases are just one of many eligible everyday bonus categories, and 5 percent back is one of the best rates you can get on this spending without paying an annual fee.
  • Who this card is good for: Cash back fans looking for a supplemental rewards card. The Custom Cash card only you to earn rewards in one high-earning category each billing cycle, so to get the best value, it’s best to combine it with a flat-rate rewards card or a card that offers bonus rewards in other categories that fit your spending habits.
  • Alternatives: If you only want to carry one credit card in your wallet, a general-purpose rewards card with multiple bonus categories may offer better value. The Blue Cash Preferred® Card from American Express comes with an annual fee, but the cost can easily be offset thanks to the card’s high rewards rates in key everyday categories including U.S. supermarkets, select streaming services, U.S. gas stations and transit.

Read our full Citi Custom Cash℠ Card review.

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Blue Cash Preferred® Card from American Express: Best for everyday value

  • What we love about the Blue Cash Preferred: From U.S. supermarket and select streaming service purchases to gas and transit, this card gives you plenty of chances to earn high cash back rewards on your routine spending. U.S. supermarket purchases earn 6 percent cash back (on up to $6,000 in purchases each year, then 1 percent)—perhaps the highest cash back rate available in this category. Spending $500 per month in that category alone will earn you $360 cash back per year—enough to cover the card’s annual fee three times over.
  • Who this card is good for: Big grocery spenders who can also take advantage of the card’s other everyday bonus categories to justify the annual fee. If you only used the card at U.S. supermarkets, you’d need to spend about $300 a month to both cover the annual fee and get better value than you would with a card that earned 3 percent back but charged no annual fee.
  • Alternatives: If you spend modestly at U.S. supermarkets and want to avoid a card with an annual fee, the Blue Cash Everyday® Card from American Express is worth a look. It offers 3 percent cash back at U.S. supermarkets (up to $6,000 per year, then 1 percent) and also rewards the same 3 percent cash back on your spending at U.S. gas stations and U.S. online retail purchases (also up to $6,000 per year on each category, then 1 percent). This card may be a better fit for people who spend an average of less than $300 a month on groceries since there is no annual fee to worry about.

Read our full Blue Cash Preferred® Card from American Express review.

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Capital One SavorOne Cash Rewards Credit Card: Best for food + entertainment

  • What we love about the SavorOne Cash Rewards card: You can earn unlimited 3 percent cash back in a number of food and entertainment categories—including both grocery store and restaurant purchases—with no spending caps and no annual fee. Many other rewards cards offer bonus rewards in just one popular food category (grocery stores or dining, not both) and typically reduce your cash back rate after you’ve reached a spending cap.
  • Who this card is good for: People who want to stick with one card that earns rewards on grocery shopping, dining, entertainment and more while avoiding an annual fee.
  • Alternatives: The U.S. Bank Cash+® Visa Signature® Card gives you the freedom to pick two categories in which you’ll earn 5 percent cash back (on up to $2,000 in combined purchases each quarter, then 1 percent), including everyday expenses like fast food, home utilities, department stores and more. Plus, you can still earn unlimited 2 percent back in an everyday category of your choice, with grocery stores and restaurants included as options— perfect for those times you spend more in a category like fast food than you do on groceries.

Read our full Capital One SavorOne Cash Rewards Credit Card review.

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Bank of America® Customized Cash Rewards credit card: Best for wholesale clubs

  • What we love about the Customized Cash Rewards card: This card offers more flexibility than traditional rewards credit cards. You can not only choose the bonus category that fits you best from a long list of popular categories but also swap your choice category once per calendar month if you realize that you’re going to spend more in another eligible category.
  • Who this card is good for: Since you can earn 2 percent cash back at both wholesale clubs and grocery stores (on up to $2,500 in purchases made in combined choice category/grocery store/wholesale club categories quarterly , then 1 percent), this card is a solid option if you frequent both. Most rewards cards exclude wholesale clubs from their grocery store bonus category, so this card may offer unique value for household shoppers.
  • Alternatives: Big spenders may get better value out of a flat-rate card like the Wells Fargo Active Cash® Card. It’s a low-maintenance rewards card that earns unlimited 2 percent cash rewards on purchases. There are no spending caps and no categories to track, making it a more convenient option if you’re looking for a simple way to earn rewards.

Read our full Bank of America® Customized Cash Rewards credit card review.

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Chase Sapphire Preferred® Card: Best for online grocery purchases

  • What we love about the Sapphire Preferred® Card: This versatile card makes it easy to quickly rack up travel rewards thanks to its solid rewards rate on a variety of everyday purchases, including dining, select online grocery purchases and select streaming services. This flexibility could make the card a terrific fit if you do most of your grocery shopping online and want to stockpile rewards for your next big trip.
  • Who this card is good for: Frequent travelers who want to earn rewards on more than just travel purchases. The card’s bonus rewards rate on online groceries and dining should make it easier to quickly rack up points than it would be with one of the many travel cards that only reward airfare and hotel bookings. Plus, your points are worth 25 percent more when you redeem points through the Chase Ultimate Rewards portal.
  • Alternatives: Depending on your spending habits, the Blue Cash Preferred® Card from American Express may be a better fit. For the same ongoing $95 annual fee, you get double the rewards rate at U.S. supermarkets—an impressive 6 percent cash back on up to $6,000 in purchases per year, then 1 percent back (versus the Sapphire Preferred card’s 3X points on select online grocery store purchases). Plus, your rewards rate applies to all U.S. supermarket spending, not just online groceries.

Read our full Chase Sapphire Preferred® Card review.

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Chase Freedom Flex℠: Best for backup grocery rewards

  • What we love about the Chase Freedom Flex: The Freedom Flex has both high-earning fixed- and rotating-bonus categories that cover travel and everyday purchases. The card’s rotating cash back calendar typically features a great mix of popular and niche categories, including grocery stores, wholesale clubs, gas stations, Amazon.com purchases and more. This unique combination of year-round and seasonal categories gives users a variety of ways to quickly earn cash back.
  • Who this card is good for: Rewards strategists. Since many of the Freedom Flex card’s most rewarding categories only earn at a high rate for three months out of the year, you’ll need to track spending and plan out purchases in advance to maximize your rewards. The card’s rewards program also makes it great for pairing with a no-annual-fee rewards card that earns consistently in one of your key spending categories. For example, if you already have a card that offers bonus rewards on groceries and it has a spending limit, the Freedom Flex could give you three more months to earn rewards in that category without worrying about exceeding your spending limit.
  • Alternatives: If you don’t want to activate and track so many rewards categories or worry about spending limits, the Wells Fargo Active Cash® Card is a solid choice. It earns a flat rate on purchases, which will appeal to people who don’t want to jump through so many hoops to earn rewards.

Read our full Chase Freedom Flex℠ review.

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American Express® Gold Card: Best for travel rewards on groceries

  • What we love about the Amex Gold Card: Its high rewards rate at both U.S. supermarkets and restaurants, combined with annual dining credits and enhanced travel benefits, make the Amex Gold a powerful mid-level travel card for foodies and household shoppers. If you can take advantage of all the card has to offer, it could be well worth the $250 annual fee.
  • Who this card is good for: Big spenders who want to turn their food, dining and airfare purchases into travel rewards. As part of the American Express Membership Rewards program, the Amex Gold offers a variety of redemption options best suited to frequent travelers, including booking trips directly with Amex or transferring to partner loyalty programs, the latter of which could increase the value of your points.
  • Alternatives: If you’re just looking for a way to earn rewards on dining and grocery purchases, you don’t need to pay a  $250 annual fee. For example, the Capital One Savor Cash Rewards Credit Card doesn’t come with perks like dining credits, but it still packs a punch. For a $95 annual fee, you earn bonus rewards in a variety of categories, including an unlimited 4 percent cash back on dining and entertainment purchases and 3 percent cash back at grocery stores.

Read our full American Express® Gold Card review.

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How do grocery reward credit cards work?

Grocery rewards cards earn cash back or points on purchases made at eligible grocery stores. But the best grocery cards go even further, offering up valuable rewards for other major spending categories, including everyday staples like:

  • Dining
  • Gas
  • Transit
  • Travel
  • Select streaming services
  • Online purchases
  • Home improvement stores

General-purpose grocery cards earn bonus rewards for purchases made at retail stores with a merchant category code that classifies them as grocery stores and supermarkets. That includes favorites like Safeway, Albertsons, Kroger, Publix and many other local grocery stores.

Unfortunately, not every store that sells groceries is considered a grocery store. Most card issuers exclude superstores like Walmart and Target as well as wholesale clubs like Costco, Sam’s Club and BJ’s from their grocery store bonus category. To earn elevated rewards at these chains, you’ll need to sign up for a co-branded store credit card or a card that specifically lists these stores as eligible for bonus rewards, as most general-purpose rewards credit cards will only earn 1 point or 1 percent back at these stores.

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Bankrate insight
You’ll need to have good or excellent credit to qualify for most grocery rewards cards. If you have fair credit and want to earn cash back for your grocery purchases, take a look at cards from retailers like Amazon, Walmart and Target. Many retail credit cards are open to people with lower credit scores and can be worthwhile as long as you can pay your balances in full and avoid the typically high interest rates.

How much could you save with a grocery credit card?

According to data released by the Bureau of Labor Statistics, the average annual cost of household groceries increased in 2020 to $4,942. That averages out to $411.83 a month spent on groceries—a big chunk of the average person’s budget.

When used responsibly, grocery rewards cards can help you save money by giving you back a percentage of your grocery spending in the form of cash back, points or travel miles. How much you can earn depends on your spending habits and the type of grocery rewards card you choose. Take a look at these examples to see how much you could save each year depending on which card type, rewards rate and annual fee you choose:

Payment method Rewards rate Estimated rewards earned Annual fee Estimated total cost
Cash or card with no rewards N/A $0 $0 $4,942
Flat-rate 2% cash back card 2% back on eligible purchases $99 $0 $4,843
Capital One SavorOne Cash Rewards Credit Card 3% back on grocery store purchases (excluding Target & Walmart) $148 $0 $4,794
Citi Custom Cash Card 5% back in your top spending eligible category (includes grocery stores, on up to $500 per billing cycle, then 1%) $247 $0 $4,695
Blue Cash Preferred from American Express 6% back at U.S. supermarkets (on up to $6,000 per year, then 1%) $297 $95 $4,740

As you can see, even a grocery rewards card with an annual fee can provide plenty of value. The trick is to take advantage of the available rewards categories enough to offset the annual fee and continue earning more cash back so you don’t just break even.

Who should get a grocery store credit card?

Since the best grocery rewards credit cards are versatile and provide plenty of value even outside the supermarket, they’re ideal for just about anyone with a grocery budget. That includes college students as well as small and large households. Here’s a look at two of the key types of shoppers who can benefit from a grocery rewards card.

  • Budget shoppers. Are you always on the lookout for a deal when you shop? If you like to use coupons and cash back apps when you shop, the rewards you earn with a grocery rewards card can also help you keep more of your hard-earned money.
  • Food lovers. Some grocery rewards cards also double as the best credit cards for restaurants. So whether you cook at home, dine out or order in, your everyday food spending could earn you valuable cash back.

Who should skip a grocery store credit card?

Depending on where you shop and how you manage your budget, a grocery rewards card may not be the right fit for you. Here are two types of people who may get better value with a different type of credit card.

  • Wholesale club and superstore shoppers. Most grocery rewards cards exclude wholesale clubs and superstores from their grocery store bonus category. If you get more value from shopping at stores like Walmart, Target, Sam’s Club or BJs, a flat-rate rewards card or a co-branded credit card from that store may be a better fit. Examples include the Capital One Walmart Rewards® Mastercard®*, the Sam’s Club® Mastercard®* and the Wells Fargo Active Cash card.
  • Balance carriers. Carrying a credit card balance each month will cost you since interest charges eat away at the rewards you earned. If you tend to not pay your balance in full each month, a low-interest credit card may be a better fit, at least in the short term.

How to choose a credit card for groceries

Before making a decision, it’s a good idea to compare credit cards to make sure you’ve found the option that best fits your needs. Here are some questions to ask yourself before deciding on a grocery rewards card.

  • Where do you shop the most? Your shopping habits will play a large role in the type of grocery rewards card that works best for you. A general-purpose credit card that offers grocery rewards is a good pick if you want the flexibility to shop at a broad mix of grocery stores and supermarkets. But if you are loyal to a specific wholesale club or superstore, a co-branded credit card or a flat-rate rewards card may offer the best value.
  • How much do you spend on groceries? To get the most value out of a grocery rewards card, you’ll need to consider your spending habits. Some of the best grocery rewards cards come with no annual fee, which makes them a great option for people on a budget who don’t spend enough at the grocery store to justify an annual fee. However, a grocery rewards card with an annual fee may offer higher rewards rates. This means if you spend heavily at grocery stores and are able to rack up a lot of rewards, you should have no trouble offsetting an annual fee and even enjoying more value than you would with a no-annual-fee card. Annual fee cards may also offer a wider variety of bonus categories and plenty of additional benefits to help you save money.
  • Are you a minimalist or a rewards maximizer? If you’re looking for a grocery rewards card with high rewards earning potential, keep in mind that it can take some work to earn as many rewards as possible. You may have to track spending categories, watch out for spending caps or juggle multiple credit cards to avoid earning only 1 percent cash back on your purchases. If you value simplicity, the extra rewards may not be worth the trouble.A grocery rewards card with a simple rewards structure or a flat-rate credit card are solid picks if you’re looking for an easier way to earn rewards. You likely won’t earn as many rewards, but compared to grocery cards with multiple high-earning bonus categories and complicated rewards programs, you won’t have to jump through so many hoops to earn rewards.
  • What short- and long-term benefits matter most to you? The right grocery rewards card can do more than just earn cash back or points. Be on the lookout for standout perks that increase the card’s value for you in the short and long term. These may include a generous sign-up bonus, introductory APR offer, valuable travel and consumer protections, complimentary concierge servies, or no foreign transaction fees.

Additional features to look out for with grocery rewards cards

On top of the rewards you can earn, most grocery rewards cards include a number of features and benefits that increase the card’s value even further. Here’s a look at some of the additional perks you might find with a grocery rewards card.

Welcome offer. Credit cards that come with a sign-up bonus give you a chance to quickly earn a one-time lump-sum bonus worth hundreds of dollars after spending a certain amount of money within the first few months of account opening.

Intro APR Offer. Need to pay down debt or chip away at a large purchase over time? Intro APR offers let you make interest-free payments on purchases and balance transfers for a select period of time, typically 12 to 15 months.

Extended warranty. If your credit card offers extended warranty, you get peace of mind that your purchase is covered beyond the original manufacturer’s warranty in the event it breaks or stops working.

Return protection. This perk extends the return policy normally found with retailers. With return protection, you may be eligible for a refund on purchases made with the rewards card even if the retailer refuses to accept the return.

Car rental insurance. Your card may offer primary or secondary car rental coverage. This saves you from having to purchase collision coverage each time you rent a car. This is especially useful if you don’t already have auto insurance.

Travel accident insurance. In the event of accidental death or dismemberment, your grocery rewards card may provide travel accident insurance at no additional charge when you pay for your travel fare using the credit card.

Complimentary concierge service. If you need help finding or planning travel, shopping, dining or entertainment experiences, concierge service provides personalized assistance 24 hours a day, 365 days a year.

How we chose our best grocery store cards

To select the best grocery rewards credit cards, we evaluated each card using a 5-star scoring system, focusing on the following key features:

Rewards rates

The best grocery rewards cards earn rewards in multiple consumer-friendly categories that fit the shopping habits of various consumers. Top rewards programs earn high bonus rewards to help justify the amount of effort needed to earn and redeem rewards or offer hassle-free earning and redemption options to justify the lower rewards rates.

Short- and long-term value

We compared the features and benefits of each card, evaluating short-term features (like welcome offer and intro APR) and long-term features (like rewards program and purchase and travel protections) to ensure the card provided enough value to justify any rates and fees.

*Information about the Capital One Savor Cash Rewards Credit Card, the Capital One Walmart Rewards® Mastercard® and the Sam’s Club® Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Frequently asked questions about grocery rewards cards

about the author
Most recently before joining Bankrate.com, Robert worked as an editor and writer at The Ascent by The Motley Fool, covering a number of personal finance topics, including credit cards, mortgages and loans.
about the editor
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate.com, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and...

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.