8 Best Credit Cards for Grocery Rewards

Jodie Price

By Jodie Price | Updated September 15, 2025

Finding the right credit card for grocery shopping can make everyday spending more rewarding. The best grocery credit cards give cash back or points on purchases you already make, helping stretch every dollar further. This list of eight top cards shows how different features can match different spending styles.

  • Blue Cash Preferred® Card From American Express

    The Blue Cash Preferred® Card from American Express focuses on everyday spending, especially at supermarkets. It offers strong cash back rewards for households that spend a lot on groceries. Cardholders also earn rewards on other common categories, making it a versatile option. Its structure is simple, which helps people track and maximize their cash back.

    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 services
    • 3% cash back at U.S. gas stations and on transit (including taxis, rideshare, parking, buses, and more)
    • 1% cash back on other purchases

    Welcome Bonus:

    Earn a $250 statement credit after spending $3,000 in eligible purchases within the first 6 months.

    Card Details:

    • Annual fee: $0 intro for the first year, then $95 afterward
    • Foreign transaction fees: 2.7%
    • APR: 0% intro APR on purchases and balance transfers for 12 months; then a variable APR of 20.24%–29.24% after
    • Other perks: Up to $10 monthly statement credit with Disney+, Hulu, or ESPN+ subscriptions; Plan It® installment option; cash back received as Reward Dollars redeemable for statement credits or at Amazon checkout

    Key Benefits:

    • High rewards rate on groceries and streaming
    • Useful bonus categories for gas and transit
    • Access to Amex Offers for extra savings
    • Purchase protection and extended warranty coverage

    Redemption Options:

    Cash back is received as Reward Dollars, redeemable as statement credits or at checkout with select partners like Amazon.

    Credit Requirements:

    Typically requires a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The 6% cash back at supermarkets only applies to the first $6,000 in spending each year.

    Why it Works for Beginners:

    Its simple structure and high everyday value make it beginner-friendly, especially for families who want strong grocery rewards and easy redemption.

  • American Express® Gold Card

    The American Express® Gold Card focuses on everyday spending categories that many households value, especially groceries and dining. It is designed for people who want to earn strong rewards on food purchases both at home and while traveling. This card also includes travel-related features, making it useful for those who want a mix of daily spending rewards and occasional travel perks.

    Earning Structure:

    • 4x points at restaurants worldwide (up to $50,000 per calendar year, then 1x after)
    • 4x points at U.S. supermarkets (up to $25,000 per calendar year, then 1x after)
    • 3x points on flights booked directly with airlines or through AmexTravel.com
    • 2x points on prepaid hotels and eligible bookings at AmexTravel.com
    • 1x point on other purchases

    Welcome Bonus:

    Earn up to 100,000 Membership Rewards® points after spending $6,000 in the first six months.

    Card Details:

    • Annual fee: $325
    • Foreign transaction fees: None
    • APR: 20.24%–29.24% variable
    • Additional perks: $120 Dining Credit, $120 Uber Cash, $100 Resy Credit, $84 Dunkin’ Credit, and access to The Hotel Collection with a $100 property credit on eligible stays

    Key Benefits:

    • Monthly dining credits with select partners
    • Airline fee credits with eligible carriers
    • Access to Amex Offers for extra savings
    • Strong earning potential on groceries and dining

    Redemption Options:

    Points can be redeemed for travel, gift cards, shopping, or statement credits, with the highest value often found through airline and hotel transfer partners.

    Credit Requirements:

    Generally requires a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The annual fee may not be worth it for those who spend little on groceries or dining.

    Why it Works for Beginners:

    Its straightforward, food-focused categories make it easy for newcomers to earn strong rewards, while built-in credits help balance the cost.

  • Blue Cash Everyday® Card From American Express

    The Blue Cash Everyday® Card is designed for people who want simple cash back rewards without a complicated system. It focuses on everyday categories that families and individuals often spend the most on.

    This card works well for someone who wants value on groceries, gas, and online shopping. It keeps things easy with straightforward earning rates and no need to track rotating categories.

    Earning Structure:

    • 3% cash back at U.S. Supermarkets (on up to $6,000 per year, then 1% after)
    • 3% cash back at U.S. Online retail purchases (on up to $6,000 per year, then 1% after)
    • 3% cash back at U.S. Gas stations (on up to $6,000 per year, then 1% after)
    • 1% cash back on other purchases

    Welcome Bonus:

    Earn a $200 statement credit after spending $2,000 in purchases within the first six months.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: 2.7%
    • APR: 0% intro APR on purchases and balance transfers for 15 months; variable APR of 20.24%–29.24% after
    • Additional perks: Up to $7 monthly credit with Disney+, Hulu, or ESPN+ subscriptions; Plan It® installment option; cash back received as Reward Dollars redeemable as statement credits or at Amazon checkout

    Key Benefits:

    • No annual fee
    • Access to Amex Offers for extra savings
    • Purchase protection and extended warranty
    • Flexible payment options with Plan It®

    Redemption Options:

    Cash back is received as Reward Dollars, redeemable for statement credits or at checkout with Amazon.

    Credit Requirements:

    Applicants typically need a good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    Bonus categories are capped at $6,000 annually each, and wholesale clubs or superstores don’t count as U.S. supermarkets.

    Why it Works for Beginners:

    With no annual fee and clear rewards, it is an easy card for new users to manage while still offering strong value on everyday spending.

  • Citi Strata Premier® Card

    The Citi Strata Premier® Card is designed for people who want to earn rewards on both everyday purchases and travel. It offers a flexible rewards program that works well for those who spend often on groceries, dining, and trips.

    Cardholders can use their points for a variety of redemption options, making it a versatile choice. It also provides extra value for those who want to combine daily spending with travel benefits.

    Earning Structure:

    • 3x points at supermarkets
    • 3x points at restaurants, gas stations, and air travel
    • 1x point on all other purchases

    Welcome Bonus:

    Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first three months (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
    • Additional perks: $100 annual hotel benefit on a $500+ booking through CitiTravel.com once per year; no expiration or limit on points

    Key Benefits:

    • Broad earning categories beyond groceries
    • Flexible redemption through Citi ThankYou® Points
    • Strong travel protections and benefits
    • Worldwide acceptance as a Mastercard

    Redemption Options:

    Points can be redeemed for travel, gift cards, merchandise, or statement credits, with higher value often found in travel bookings.

    Credit Requirements:

    Requires a credit score between 670 and 850 to qualify.

    Spending Limitations / Potential Drawbacks:

    The card does not include an intro APR offer, and its travel benefits are less robust compared to premium competitors.

    Why it Works for Beginners:

    With broad bonus categories and a clear hotel perk, it simplifies earning and offsets costs, making it approachable for new rewards users.

  • Capital One Savor Cash Rewards Credit Card

    The Capital One Savor Cash Rewards Credit Card is designed for people who spend often on food and entertainment. It focuses on giving cash back in categories that many households use daily.

    This card offers a simple way to earn rewards without needing to track rotating categories. It works well for those who want consistent value on common purchases.

    Earning Structure:

    • 8% cash back on Capital One Entertainment purchases
    • 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
    • 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)
    • 1% cash back on all other purchases

    Welcome Bonus:

    Earn a $200 cash bonus after spending $500 in the first three months, plus enjoy a $100 travel credit on Capital One Travel bookings in your first cardholder year.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: None
    • APR: 0% intro APR on purchases and balance transfers for 15 months; variable APR of 19.24%–29.24% after
    • Additional perks: Unlimited cash back with no expiration; no rotating categories or sign-ups required

    Key Benefits:

    • Higher rewards on food-related spending
    • Unlimited earning potential in bonus categories
    • Cash back does not expire as long as the account stays open
    • Accepted worldwide due to the Mastercard network

    Redemption Options:

    Cash back can be redeemed as a statement credit, check, or applied toward recent purchases.

    Credit Requirements:

    Requires a credit score between 670 and 850 to qualify.

    Spending Limitations / Potential Drawbacks:

    Grocery rewards exclude purchases at Target and Walmart, which may limit value for some shoppers.

    Why it Works for Beginners:

    It keeps earning simple with flat bonus categories and easy cash back redemption.

  • Bank of America® Customized Cash Rewards Credit Card

    This card gives users flexible cash back options that can fit everyday spending. It is designed for people who want to earn rewards on groceries and other common purchases. Cardholders can choose a bonus category for extra cash back, which makes it easy to adjust based on changing needs.

    Earning Structure:

    • 6% cash back for the first year in your choice category
    • 3% cash back in your choice category after the first year (gas/EV charging, online shopping, dining, travel, drug stores, or home improvement/furnishings)
    • 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category + grocery/wholesale purchases per quarter, then 1% after)
    • 1% cash back on all other purchases

    Welcome Bonus:

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

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: 3%
    • APR: 0% intro APR for 15 billing cycles on purchases and balance transfers made in the first 60 days; variable APR of 18.24%–28.24% after
    • Additional perks: Bank of America Preferred Rewards® members earn 25%–75% more cash back; cash rewards never expire; contactless payment enabled

    Key Benefits:

    • Flexible 3% category choice
    • Preferred Rewards members can boost cash back by 25%–75%
    • Wide acceptance for everyday spending
    • No expiration on rewards as long as the account remains open

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, or credits to eligible Bank of America accounts.

    Credit Requirements:

    Requires a credit score between 670 and 850.

    Spending Limitations / Potential Drawbacks:

    The quarterly cap on bonus rewards may limit earnings for high spenders.

    Why it Works for Beginners:

    Its no-fee structure, flexible categories, and simple cash back make it a beginner-friendly option for building rewards.

  • Chase Sapphire Preferred® Card

    The Chase Sapphire Preferred® Card is a popular choice for people who want flexible travel and dining rewards. It also offers solid value for grocery purchases, especially when shopping online.

    This card is part of the Chase Ultimate Rewards® program, which allows users to earn points that can be redeemed in different ways. Its mix of earning categories and redemption flexibility makes it appealing to many cardholders.

    Earning Structure:

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

    Welcome Bonus:

    Earn 75,000 bonus points after spending $5,000 in the first three months.

    Card Details:

    • Annual fee: $95
    • Foreign transaction fees: None
    • APR: 19.99%–28.24% variable
    • Additional perks: $50 annual hotel statement credit through Chase Travel℠, 10% anniversary points boost, complimentary DashPass, and built-in travel protections (trip cancellation, rental car insurance, lost luggage coverage)

    Key Benefits:

    • Points transfer to multiple airline and hotel partners
    • Extra value when redeeming points for travel through Chase
    • Built-in travel and purchase protections
    • Access to partner benefits and limited-time offers

    Redemption Options:

    Points can be redeemed for travel, cash back, gift cards, or transferred to airline and hotel loyalty programs, often giving outsized value through travel partners.

    Credit Requirements:

    Requires a credit score between 670 and 850.

    Spending Limitations / Potential Drawbacks:

    Online grocery rewards exclude major retailers like Walmart and Target.

    Why it Works for Beginners:

    The card provides straightforward earning categories and flexible redemption options, making it easy for new users to maximize rewards.

  • Citi Custom Cash® Card

    The Citi Custom Cash® Card is a flexible rewards card that adjusts to a cardholder’s spending habits. It automatically applies the highest cash back rate to the category where the most money is spent each billing cycle.

    For many people, this makes grocery shopping an easy way to earn rewards without needing to track categories. The card is designed for those who want simple rewards with minimal effort.

    Earning Structure:

    • 5% cash back on the top eligible spending category each billing cycle (up to $500 in purchases, then 1% after)
    • 4% cash back on hotels, car rentals, and attractions booked through Citi Travel℠ (through 6/30/2026)
    • 1% cash back on all other purchases

    Welcome Bonus:

    Earn $200 cash back after spending $1,500 in the first six months (fulfilled as 20,000 ThankYou® points).

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: 3%
    • APR: 18.24%–28.24% variable
    • Additional perks: Rewards earned as ThankYou® points, redeemable for cash back, gift cards, travel, or statement credits

    Key Benefits:

    • Automatic 5% rewards in the top eligible category
    • No need to enroll or track rotating categories
    • Useful for groceries, dining, gas, and other everyday expenses
    • No annual fee

    Redemption Options:

    Rewards are earned as ThankYou® points and can be redeemed for statement credits, direct deposits, gift cards, or travel bookings.

    Credit Requirements:

    Requires a credit score between 670 and 850.

    Spending Limitations / Potential Drawbacks:

    The $500 monthly cap on the 5% category can limit rewards for high spenders, and only one bonus category applies per cycle.

    Why it Works for Beginners:

    Its automatic rewards structure makes it simple for new cardholders to earn without managing multiple categories.

Frequently Asked Questions

What are the top credit cards offering the highest rewards on grocery purchases?

The Blue Cash Preferred® Card from American Express offers 6% back at U.S. supermarkets, making it a leading choice for frequent grocery shoppers. The Bank of America® Customized Cash Rewards also delivers up to 6% in its first year and ongoing value with wholesale clubs included. Both cards consistently rank high for maximizing grocery spending.

Which credit cards provide the best cashback rates for both groceries and dining out?

The American Express® Gold Card earns 4x points at U.S. supermarkets and worldwide dining, offering strong value in both categories. The Capital One Savor Cash Rewards also stands out with 3% back at grocery stores and 3% on dining, along with unique entertainment rewards. These two cards combine everyday food and dining perks for well-rounded value.

Are there credit cards that offer bonus rewards for grocery and gas purchases combined?

Yes, the Blue Cash Preferred® Card from American Express earns 6% back at supermarkets and 3% at U.S. gas stations. The Citi Strata Premier® Card also rewards 3x points at both supermarkets and gas stations, along with travel and dining. These options work well for cardholders who want rewards across groceries and fuel.

How do grocery rewards credit cards compare to general cashback cards?

Grocery cards like the Blue Cash Everyday® Card from American Express give higher rates in supermarket categories compared to flat-rate cards. General cashback cards are simpler, but heavy grocery spenders usually earn more with category-based rewards. Choosing between them depends on whether you want targeted bonuses or broad, consistent cash back.

What additional benefits should I look for in a credit card focused on grocery rewards?

Many grocery cards come with extra perks like purchase protection, extended warranty coverage, or monthly credits. The Blue Cash Preferred® offers Disney Bundle credits, while the AmEx Gold Card provides dining and Uber Cash credits. Looking for these extras can add more long-term value beyond just grocery rewards.