14 Best Credit Cards to Earn Bonus Points on Grocery Purchases

Earning Structure:

• 4x points at U.S. supermarkets (on up to $25,000 per year, then 1x after)
• 4x points at restaurants, including takeout and delivery in the U.S.
• 3x points on flights booked directly with airlines or on amextravel.com
• 2x points on prepaid hotels and eligible travel booked through AmexTravel.com
• 1x point on all other purchases

Welcome Bonus:

Earn as high as 100,000 Membership Rewards® points after spending $6,000 in purchases within the first 6 months of Card Membership.

Card Details:

• Annual fee: $325
• Foreign transaction fees: None
• APR: 20.24% to 29.24% variable
• Other perks: Access to the American Express Membership Rewards® program and additional Amex Offers for savings

Key Benefits:

• High earning rate for grocery and dining purchases
• Flexible redemption options through the Membership Rewards® program
• No foreign transaction fees for international use
• Access to Amex Offers for additional savings

Redemption Options:

Points can be redeemed for travel, gift cards, statement credits, or transfers to airline and hotel partners.

Credit Requirements:

Good to excellent credit is generally recommended for approval.

Spending Limitations / Potential Drawbacks:

Grocery bonus rate is capped at $25,000 per year; dining bonus capped at $50,000 per year.

Why it Works for Beginners:

Its simple earning categories make it easy to maximize rewards without tracking many rules.

Earning Structure:

• 6% cash back at U.S. supermarkets (on up to $6,000 per year, then 1% afterward)
• 6% cash back on select U.S. streaming subscriptions
• 3% cash back at U.S. gas stations and on transit
• 1% cash back on other purchases

Welcome Bonus:

Earn $250 back after spending $3,000 in purchases within the first 6 months of Card Membership, received as a statement credit.

Card Details:

• Annual fee: $0 intro annual fee for the first year, then $95
• Foreign transaction fees: Not specified (verify before international use)
• APR: 0% intro APR on purchases and balance transfers for 12 months from account opening, then 20.24% to 29.24% variable after
• Rewards are earned as Reward Dollars, redeemable for statement credits

Key Benefits:

• High rewards rate on groceries and streaming
• Useful bonus categories for everyday spending
• Option to carry a balance on purchases (interest charges apply)
• Access to Amex Offers for extra savings

Redemption Options:

Cash back is received as Reward Dollars, redeemable for statement credits.

Credit Requirements:

Good to excellent credit is recommended for approval.

Spending Limitations / Potential Drawbacks:

The 6% U.S. supermarket rate is capped at $6,000 in annual purchases.

Why it Works for Beginners:

The simple earning structure and automatic statement credit redemption make it easy to use effectively.

Earning Structure:

• 3% cash back at U.S. supermarkets, on up to $6,000 per year in purchases, then 1%
• 3% cash back on U.S. online retail purchases, on up to $6,000 per year in purchases, then 1%
• 3% cash back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%
• 1% cash back on other purchases

Welcome Bonus:

Earn $200 back after spending $2,000 in purchases within the first 6 months of Card Membership, received as a statement credit.

Card Details:

• Annual fee: $0
• Foreign transaction fees: Not specified (verify before international use)
• APR: 0% intro APR on purchases and balance transfers for 15 months from account opening, then 20.24% to 29.24% variable after
• Rewards are earned as Reward Dollars, redeemable for statement credits

Key Benefits:

• No rotating categories to track
• Higher rewards rate on common spending areas
• Flexible redemption for everyday expenses
• Accepted at millions of locations in the U.S.

Redemption Options:

Reward Dollars can be redeemed for statement credits or applied at Amazon.com checkout.

Credit Requirements:

Good to excellent credit is typically needed to qualify.

Spending Limitations / Potential Drawbacks:

The 3% supermarket rate only applies to the first $6,000 in purchases per calendar year.

Why it Works for Beginners:

Its fixed bonus categories and simple redemption make it easy for new cardholders to maximize rewards without extra effort.

Earning Structure:

• 3x points at U.S. supermarkets (on up to $6,000 per year, then 1x after)
• 2x points at U.S. gas stations
• 1x point on other purchases
• 50% more points when making 30 or more purchases in a billing cycle

Welcome Bonus:

No longer available, as the card is closed to new applicants.

Card Details:

• Annual fee: $95
• Foreign transaction fees: Not specified (verify before international use)
• APR: 17.74%–27.74% variable
• Access to the American Express Membership Rewards® program and standard Amex card protections

Key Benefits:

• Flexible rewards program
• Bonus points on common spending categories
• Extra points for frequent card use
• Access to Amex Offers for targeted discounts

Redemption Options:

Points can be redeemed for cash back, gift cards, travel, Amazon purchases, Uber rides, or transferred to airline and hotel partners for greater value.

Credit Requirements:

Good to excellent credit is usually required.

Spending Limitations / Potential Drawbacks:

The 3x grocery bonus is capped at $6,000 annually, and the full earning potential depends on meeting the 30-purchase threshold each billing cycle.

Why it Works for Beginners:

The clear bonus categories and easy points boost make it simple to earn rewards without complex strategies.

Earning Structure:

• 2x points at U.S. supermarkets (on up to $6,000 per year, then 1x after)
• 2x points on travel booked through Amex Travel
• 1x point on all other purchases
• 20% extra points when the card is used 20 or more times in a billing period

Welcome Bonus:

No longer available, as the card is closed to new applicants.

Card Details:

• Annual fee: $0
• Foreign transaction fees: Not specified (verify before international use)
• APR: 0% introductory APR on purchases and balance transfers for 15 months, then 17.24%–28.24% variable APR after
• Full access to the American Express Membership Rewards® program and transfer partners

Key Benefits:

• No rotating categories to track
• Points can be transferred to travel partners
• Boosted points for frequent use
• Useful for everyday household spending

Redemption Options:

Points can be redeemed for travel, statement credits, gift cards, Amazon purchases, or transferred to airline and hotel partners for higher value.

Credit Requirements:

Applicants typically need good to excellent credit.

Spending Limitations / Potential Drawbacks:

Bonus grocery rate only applies to the first $6,000 spent per year.

Why it Works for Beginners:

It has a simple earning structure and offers flexible redemption choices without complex rules.

Earning Structure:

• 7x points on eligible purchases made directly with hotels and resorts in the Hilton portfolio
• 5x points at U.S. restaurants, including takeout and delivery
• 5x points at U.S. supermarkets
• 5x points at U.S. gas stations
• 3x points on other eligible purchases

Welcome Bonus:

Earn 100,000 Hilton Honors Bonus Points and a $100 statement credit after spending $2,000 on eligible purchases within the first 6 months of Card Membership. Offer ends 8/13/2025.

Card Details:

• Annual fee: $0
• Foreign transaction fees: None
• APR: 20.24% to 29.24% variable
• Complimentary Hilton Honors Silver status included

Key Benefits:

• Complimentary Hilton Honors Silver status
• Opportunity to earn Gold status with qualifying annual spend
• No foreign transaction fees
• Access to Amex Offers for additional savings

Redemption Options:

Points can be redeemed for free nights at Hilton hotels, room upgrades, and experiences through the Hilton Honors program.

Credit Requirements:

Good to excellent credit is typically recommended.

Spending Limitations / Potential Drawbacks:

Bonus categories are limited to U.S. merchants, which may reduce earning potential for international grocery purchases.

Why it Works for Beginners:

It offers simple earning categories and straightforward redemption options, making it easy to understand and use effectively.

Earning Structure:

• 12x points on eligible purchases made directly with hotels and resorts within the Hilton portfolio
• 6x points at U.S. restaurants, including takeout and delivery
• 6x points at U.S. supermarkets
• 6x points at U.S. gas stations
• 4x points on U.S. online retail purchases
• 3x points on other eligible purchases

Welcome Bonus:

Earn 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases within the first 6 months of Card Membership. Offer ends 8/13/2025.

Card Details:

• Annual fee: $0 introductory annual fee for the first year, then $150
• Foreign transaction fees: None
• APR: 20.24% to 29.24% variable
• Complimentary Hilton Honors Gold status included

Key Benefits:

• Complimentary Hilton Honors Gold status
• Free Night Reward after meeting annual spending requirements
• Access to Amex Offers for extra savings
• No foreign transaction fees

Redemption Options:

Points can be redeemed for Hilton hotel stays, room upgrades, and travel experiences through the Hilton Honors program.

Credit Requirements:

Good to excellent credit is typically needed for approval.

Spending Limitations / Potential Drawbacks:

Bonus rewards at supermarkets apply only to U.S. locations that qualify as “U.S. supermarkets” under Amex’s category rules.

Why it Works for Beginners:

The card offers simple earning categories and valuable hotel perks without requiring complex reward strategies.

Earning Structure:

• 3% cash back + 3% first-year bonus (total 6%) in your choice category: gas and EV charging, online shopping/cable/internet/phone/streaming, dining, travel, drug stores/pharmacies, or home improvement/furnishings
• 2% cash back at grocery stores and wholesale clubs
• 6% and 2% cash back apply to the first $2,500 in combined purchases each quarter in the choice category and grocery/wholesale clubs, then 1% afterward
• Unlimited 1% cash back on all other purchases
• Preferred Rewards® members earn 25%–75% more cash back on every purchase (excluding first-year bonus)

Welcome Bonus:

Earn a $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening.

Card Details:

• Annual fee: $0
• Foreign transaction fees: Not specified (verify before international use)
• APR: 0% intro APR for 15 billing cycles on purchases and balance transfers made within 60 days of account opening, then 18.24% to 28.24% variable after
• Intro balance transfer fee: 3% for the first 60 days, then 4% after

Key Benefits:

• Flexible choice category for higher rewards
• Bonus cash back at grocery stores and wholesale clubs
• Online and mobile banking access
• Option to redeem rewards into a Bank of America account for added value

Redemption Options:

Cardholders can redeem cash back as a statement credit, direct deposit, or check.

Credit Requirements:

Generally suited for applicants with good to excellent credit.

Spending Limitations / Potential Drawbacks:

The 2% grocery and wholesale club rate applies only to the first $2,500 in combined quarterly purchases.

Why it Works for Beginners:

The card’s simple earning structure and no annual fee make it easy to manage and understand.

Earning Structure:

• 5% cash back on hotels and rental cars booked through Capital One Travel
• 3% cash back at grocery stores
• 3% cash back on dining, entertainment, and popular streaming services
• 1% cash back on all other purchases

Welcome Bonus:

Earn $200 as a one-time bonus after spending $500 within 3 months of account opening.

Card Details:

• Annual fee: $0
• Foreign transaction fees: None
• APR: 0% intro APR for 15 months on purchases and balance transfers, then 19.24% to 29.24% variable after
• Balance transfer fee applies (see issuer terms)

Key Benefits:

• Elevated rewards in common spending categories
• Rewards do not expire as long as the account is open
• Ability to redeem in any amount at any time
• Works internationally without extra fees

Redemption Options:

Cash back can be redeemed for statement credits, checks, gift cards, or travel through Capital One Travel.

Credit Requirements:

Applicants generally need good to excellent credit to qualify.

Spending Limitations / Potential Drawbacks:

Grocery rewards exclude purchases at superstores and wholesale clubs.

Why it Works for Beginners:

Its flat cash back structure and automatic redemption make it easy to manage without complex tracking.

Earning Structure:

• 3% cash back at grocery stores
• 3% cash back on dining, entertainment, and popular streaming services
• 1% cash back on all other purchases

Welcome Bonus:

Earn a one-time $100 cash bonus after spending $300 on purchases within the first 3 months of account opening.

Card Details:

• Annual fee: $0
• Foreign transaction fees: None
• APR: 19.24% to 29.24% variable
• Rewards never expire as long as the account is open

Key Benefits:

• High rewards rate on dining and entertainment
• Bonus rewards at grocery stores
• Rewards do not expire as long as the account remains open
• Access to Mastercard benefits like extended warranty and travel assistance

Redemption Options:

Cash back can be redeemed for statement credits, checks, gift cards, or travel through Capital One Travel.

Credit Requirements:

Good credit is generally required for the Savor; fair to good credit may qualify for the Savor Student.

Spending Limitations / Potential Drawbacks:

Some discount stores, wholesale clubs, or specialty markets may not code as grocery purchases.

Why it Works for Beginners:

The simple cash back structure makes it easy to track rewards without complex point systems.

Earning Structure:

• 5% cash back on up to $1,500 in combined purchases in rotating quarterly categories (activation required)
• 5% on travel purchased through Chase Ultimate Rewards®
• 3% on dining at restaurants, including takeout and eligible delivery
• 3% on drugstore purchases
• 1% on all other purchases

Welcome Bonus:

Earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening.

Card Details:

• Annual fee: $0
• Foreign transaction fees: Not specified (verify before international use)
• APR: 0% intro APR for 15 months on purchases and balance transfers, then 18.99% to 28.49% variable after

Key Benefits:

• Rotating categories can include grocery stores, offering higher rewards potential
• Access to Mastercard World Elite benefits
• Purchase protection and extended warranty coverage
• Cell phone protection when paying the bill with the card

Redemption Options:

Cash back can be redeemed for statement credits, direct deposits, gift cards, travel, or purchases at select merchants through Chase.

Credit Requirements:

Good to excellent credit is typically required.

Spending Limitations / Potential Drawbacks:

The 5% category bonus is capped at $1,500 in combined purchases each quarter.

Why it Works for Beginners:

It offers simple bonus categories and a low spending requirement for the welcome bonus.

Earning Structure:

• 5x points on travel purchased through Chase Travel℠
• 3x points on dining, select streaming services, and online grocery purchases
• 2x points on all other travel purchases
• 1x point on all other spending

Welcome Bonus:

Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.

Card Details:

• Annual fee: $95
• Foreign transaction fees: None
• APR: 19.99% to 28.24% variable
• 10% annual bonus on total points earned from purchases each year

Key Benefits:

• Flexible point transfers to airline and hotel partners
• Travel and purchase protections
• No foreign transaction fees
• Access to travel booking through Chase Ultimate Rewards®

Redemption Options:

Points can be redeemed for travel through Chase Travel℠, transferred to partners, or used for cash back, gift cards, and purchases with select merchants.

Credit Requirements:

Good to excellent credit is typically required.

Spending Limitations / Potential Drawbacks:

Grocery bonus applies only to online purchases and excludes certain major retailers.

Why it Works for Beginners:

It offers simple earning categories and flexible redemption options that are easy to understand and use.

Earning Structure:

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel and other hotel purchases
• 3x points at restaurants
• 3x points at supermarkets
• 3x points at gas stations and EV charging stations
• 1x point on all other purchases

Welcome Bonus:

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

Card Details:

• Annual fee: $95
• Foreign transaction fees: None
• APR: 20.24%–28.24% variable
• $100 annual hotel benefit on a single stay of $500 or more booked through CitiTravel.com or by phone

Key Benefits:

• Strong grocery rewards rate compared to many travel cards
• Flexible redemption partners, including major airlines
• Worldwide acceptance through the Mastercard network
• Access to Citi travel and purchase protections

Redemption Options:

Points can be redeemed for travel, gift cards, cash back, online shopping with select partners, or transferred to airline and hotel loyalty programs.

Credit Requirements:

Good to excellent credit is usually needed for approval.

Spending Limitations / Potential Drawbacks:

Some grocery stores may not code as supermarkets with Citi, so bonus points may not apply in all cases.

Why it Works for Beginners:

It offers simple earning categories and flexible redemptions, making it easy to use without complex reward tracking.

Earning Structure:

• 5% cash back on your top eligible spending category each billing cycle, on up to $500 in purchases, then 1%
• Eligible categories include grocery stores, restaurants, gas stations, drugstores, fitness clubs, home improvement stores, live entertainment, select transit, select travel, and select streaming services
• 4% cash back on hotels, car rentals, and attractions booked through Citi Travel℠

Welcome Bonus:

Earn $200 cash back (fulfilled as 20,000 ThankYou® Points) after spending $1,500 on purchases in the first 6 months of account opening.

Card Details:

• Annual fee: $0
• Foreign transaction fees: Applies to purchases made outside the U.S.
• APR: 18.24%–28.24% variable
• Contactless payment capability and free FICO score access

Key Benefits:

• Automatic category selection each billing cycle
• High rewards rate on groceries when it’s the top category
• No annual fee
• Access to Citi ThankYou® Rewards program

Redemption Options:

Rewards can be redeemed for statement credits, direct deposits, gift cards, or travel. One ThankYou® Point equals 1 cent in cash back value.

Credit Requirements:

Good to excellent credit is typically recommended.

Spending Limitations / Potential Drawbacks:

The 5% rate applies only to the first $500 in the top category each billing cycle.

Why it Works for Beginners:

The automatic category feature removes the need to activate or track bonus categories manually.