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Using the best credit card for groceries can help you earn lots of extra points each year. Many of the top rewards cards earn extra points when you spend money with specific types of merchants. For many, groceries are one of the most useful of these “bonus categories”. In this post, we've assembled the contenders for the best grocery credit card.
If you're looking for information about whether you'll earn a bonus for purchases at a specific store, you can use our Merchant Lookup tool to see whether AwardWallet members have earned extra points on recent transactions.
UPDATE: In response to COVID-19, several card issuers added grocery and supermarket bonuses to cards that don’t normally earn extra points on those purchases. However, most ended on July 31, 2020. Here’s our master resource on all of the COVID-19 credit card benefits.
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The Best Credit Card for Groceries Right Now
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- Earn unlimited 1.5% cash back on all other purchases.
- Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
- No annual fee.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- Earn 5% on travel purchased through Chase
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
- New Cardmembers earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
The increased offer on the Chase Freedom Unlimited® puts it firmly in the top spot for the best grocery credit card available right now.
In addition to a $200 bonus after you spend $500 on purchases in your first 3 months from account opening, new cardmembers will earn 5% cashback on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
If you hold a premium Ultimate Rewards earning card like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you can combine your Ultimate Rewards points and obtain a much higher value by transferring points to Chase travel partners. Adding together the signup bonus and the points earned if you hit the $12,000 spending cap on grocery purchases, you'll earn $800 cashback or 80,000 Ultimate Rewards points with this offer.
The Best Credit Cards for Groceries After the First Year
While the Freedom Unlimited is easily the best return in the short term, those looking to maximize returns for the long run will want a card with a permanent bonus on groceries. The ideal pick depends on your budget and whether you prefer points or cashback
Best Grocery Credit Card for Families
- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- Rates & Fees
- 4X Membership Rewards® points when you dine at restaurants worldwide.
- 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
- 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- 1X on other purchases
- Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
If your grocery budget is $500 per month or more, there is a clear choice for the best grocery credit card. The American Express® Gold Card earns 4X Membership Rewards for every dollar spent at U.S. supermarkets—on up to $25,000 in spending per year, then 1X. While this card has a $250 annual fee, (Rates & Fees) it comes with a great lineup of benefits that will justify the cost for many.
Check out our Amex Gold review for more details.
Best Grocery Credit Card for Modest Spending
- 3X points at U.S. supermarkets on up to $6,000 per year (then 1X)
- 2X points at U.S. gas stations
- 1 point per dollar on all other purchases
- Use your card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits.
For those with a lower monthly budget, a less expensive card like The Amex EveryDay® Preferred Credit Card from American Express is likely to be a better fit. The card earns 3X Membership Rewards on purchases at U.S. supermarkets—on up to $6,000 in spending, then 1X.
Even better, cardmembers can earn 50% more points when they use their card 30 or more times in a billing period. If you reach this goal, you'll earn a total of 4.5X MR per dollar at U.S. supermarkets. While this card is excellent for a modest grocery budget, purchases above the $6,000 annual cap will only earn one Membership Reward per dollar (or 1.5X if you earn the 50% bonus).
Best Grocery Cash Back Credit Card
- Limited Time Offer: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Offer Expires 12/10/2020
- Limited Time Offer: $0 introductory annual fee for one year, then $95. Offer Expires 12/10/2020
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Terms Apply.
- Rates & Fees
- 6% Cash Back on select U.S. streaming subscriptions
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
If you prefer cashback, the Blue Cash Preferred® Card from American Express is our top recommendation, earning 6% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
This card's simplicity is its most attractive feature. Cashback gives you maximum flexibility, and unlike the Amex EveryDay Preferred, you won't have to worry about completing 30 transactions each statement cycle to maximize your earnings. On the other hand, Membership Rewards are one of the most valuable types of rewards, thanks to the impressive lineup of Amex transfer partners.
Best Grocery Store Credit Cards with No Annual Fee
It doesn't always make sense to choose a premium card that charges an annual fee. If your monthly budget is small, the best card for groceries may be one without a fee that cancels out some of the rewards you earn throughout the year.
The Amex EveryDay® Credit Card from American Express earns 2X Membership Rewards at U.S. supermarkets—up to $6,000 per year, then 1X. If you make 20 or more purchases in a billing period, you'll earn a 20% bonus, bringing your total to 2.4 MR per dollar.
The Blue Cash Everyday® Card from American Express earns 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). (Rates & Fees)
As you may have noticed, both of these cards have a more expensive big brother that comes with a higher earning rate. Here's how to decide if you'd be better off with the no-annual-fee version of the cards:
- EveryDay cards – If you spend more than $2,484 a year on groceries (provided you reach the 20% and 50% spending thresholds each month), you’ll come out ahead paying the $95 annual fee on the Amex EveryDay Preferred over the Amex EveryDay.
- BlueCash cards – If you spend more than $3,176 a year on groceries, you’ll come out ahead paying the $95 annual fee on the Blue Cash Preferred (Rates & Fees) over the Blue Cash Everyday.
Top 12 Grocery Store Credit Cards
We think the cards highlighted above are the leaders in their respective categories. However, there are other grocery store credit cards you might want to consider. To make it into the grocery card comparison table below, candidates had to provide at least a 2% return. To help you decide if one of these deserves a place in your wallet, we also dusted off the calculator to run some concrete numbers. We based these calculations on the $6,000 annual spending cap on most of the Amex cards.
| Credit Card | Points Earned on Groceries | Other Bonus Categories | Return on $6,000 Grocery Spend | Annual Fee |
|---|---|---|---|---|
| Chase Freedom Unlimited® | 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. - New Cardmembers Only | 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases | $510 (based on 1.7¢ per UR point) | $0 |
| American Express® Gold Card | 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). | 4X points at restaurants worldwide 3X points on airfare on a scheduled flight charged directly with the airline or amextravel.com (charter flights/private jet flights excluded) | $408 (based on 1.7¢ per MR point) - A potential annual return of $1,700 if you max out the $25K spending cap on groceries | $250 - Rates & Fees |
| The Amex EveryDay® Preferred Credit Card from American Express | 3X points at U.S. supermarkets up to $6,000 per year (then 1X) + make 30 or more purchases in a billing period and earn 50% extra points | 2X at U.S. gas stations | $459 (based on 1.7¢ per MR point) | $95 |
| Blue Cash Preferred® Card from American Express | 6% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) | 6% back on select US streaming services 3% back on transit, including trains, taxi cabs, rideshare services, ferries, tolls, parking, buses, and subways 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). | $360 | $0 introductory annual fee for one year, then $95 - Rates & Fees |
| The Amex EveryDay® Credit Card from American Express | 2X points at U.S. supermarkets up to $6,000 per year (then 1X) + make 20 or more purchases in a billing period and earn 20% extra points | N/A | $244.80 (based on 1.7¢ per MR point) | $0 |
| Blue Cash Everyday® Card from American Express | 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). | 2% Cash Back at U.S. gas stations | $180 | $0 - Rates & Fees |
| Alliant Cashback Visa® Signature Credit Card | 3% cash back in year one & 2.5% cash back after | N/A | $180 in year one & $150 thereafter | $59 annual fee, waived the first year |
| Hilton Honors American Express Surpass® Card | 6X at U.S. gas stations | 12X at Hilton properties 6X at U.S. supermarkets 3X for all other eligible purchases | $144 (based on 0.4¢ per HH point) | $95 - Rates & Fees |
| Capital One® Venture® Rewards Credit Card | 2 Miles per dollar on every purchase, every day. | N/A | $120 (minimum if redeemed at fixed-rate of 1¢ per point, potentially much higher if transferred to airline partners) | $95 |
| Capital One® Spark® Miles for Business | 2 Miles per $1 on every purchase, everywhere. | 5X miles on hotel and rental car bookings through Capital One Travel℠ | $120 (minimum if redeemed at fixed-rate of 1¢ per point, potentially much higher if transferred to airline partners) | $0 intro for first year; $95 after that |
| Fidelity® Rewards Visa Signature® Card | 2% cash back on every purchases | N/A | $120 | $0 |
| Capital One® Savor® Cash Rewards Credit Card | 2% at grocery stores | 4% cash back on dining and entertainment | $120 | $0 intro for first year; $95 after that |
Which Stores Earn a Grocery or Supermarket Bonus?
One of the big challenges with all bonus categories is predicting whether a merchant will qualify before you swipe your card to make a purchase. You won't find an official list of Amex supermarkets or Chase grocery stores from either card issuer. However, you can type a local business name into our merchant lookup tool to see which rewards cards earned bonus points on recent transactions.
Our reverse lookup tool takes the opposite approach. Start with a credit card and choose a category and you'll see a list of merchants that should qualify for the bonus. The data for both tools is crowdsourced from AwardWallet members, so it isn't perfect. But, if you pick the Amex Gold and “Grocery Stores” in the reverse lookup, you'll get a much more detailed list of Amex supermarkets than you'll find on the American Express website.
Here are the specific exclusions noted by Amex and Chase:
- Amex: “… superstores and warehouse clubs are not considered supermarkets…”
- Chase: “… not including Target® or Walmart® purchases…”
Final Thoughts
For new cardmembers, the Chase Freedom Unlimited® is offering the best return we've seen on groceries to date. If you are locked out of Chase cards due to Chase's 5/24 policy or looking for the best card to hold after the first 12 months, any of the top five Amex cards will return a handy sum of points or cashback on grocery spending.
Have a favorite credit card for grocery purchases we’ve left off the list? Let us know in the comments below.
For rates and fees of the cards mentioned in this post, please visit the following links: American Express® Gold Card (Rates & Fees), Blue Cash Preferred® Card from American Express (Rates & Fees), Blue Cash Everyday® Card from American Express (Rates & Fees), and Hilton Honors American Express Surpass® Card (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
I have the Freedom Unlimited, Freedom, and Discover it, along with the USAA Cashback+ Amex (2% on groceries). I’m on the fence whether to go full guac with the Amex Gold (since my budget is close to $600/mo), or pair one of the Everyday cards to supplement the cards I’m already carrying. The $6000 cap that Amex imposes is quite ridiculous for a family, but groceries appears in two different quarters on the Freedom and Discover cards, thereby raising the effective cap to $9000. The additional AF on the Gold is harder to justify if you hold other cards that have similar or greater earning, even if periodic.
It’s nice to see the AmEx HH Surpass get a little love in this post; It’s been our go-to card for groceries (and gas) for more than a decade. With a very reasonable SF, and the opportunity to earn a free night cert for $15k spend annually, it’s a no-brainer for us.
I also recommend the Costco card
I second the Costco card recommendation, especially if you have both the Executive membership and the Costco Visa Anywhere by Citi card.
With that combination, grocery purchases at Costco earn 4% cash back: 2% from Costco and 2% from Citi. Plus, Costco Visa card holders earn 4% cash back at Costco gas stations, so frequent Costco users’ upgrade to Executive membership more than pays for itself.
I use The everyday card for grocery spend. I used to have am AMEX cash back
For small purchases, check to see if you have the $5 reward for $10+ (up to ten uses) offer on your Amex Everyday cash card. The card already earns 3% on supermarkets.
Yes, I can attest that this $5 small business award does work for several local groceries and even liquor stores. 🙂 Try ethic groceries, if you’re lucky enough to have them around.
I have Chase Freedom and am very happy with it.
I have a Blue Cash Preferred exclusively for groceries. FWIW, every kind of grocery delivery service I’ve tried, like Instacart, Shipt, etc. earn 6x.
I really wish I could get the CFU right now for the sweet bonus on grocery spending.
I think the Citi Premier card is also a decent card for groceries after they recently changed it to earn 3x points on groceries.
It would be useful to include the annual fee together with the return you make out of any of these cards to compare better. It is difiicult for me to find merchants that would take the American Express, they always try you to use a different one.
It is not a good idea to pay annual fee on a card for grocery shopping rebates,.
Very handy. One can also can earn 5% cash back by using AMEX SimplyCash or AMEX SimplyCash+ to buy a grocery store giftcard at an office supply store such as Staples.
My Chase Marriott Bonvoy Boundless earns 10 pp$ on grocery stores & gas stations from July 15–Sep. 15! I think it applies to all cardmembers, but IDK. Same exclusion of Walmart, Target, and warehouse clubs.
There’s a new Verizon Visa (issued by Synchrony Bank) that offers 4% back on groceries and gas. (Also gives 3% on dining, 2% on Verizon purchases, 1% on everything else.) No annual fee, no foreign transaction charges. The catch: The cash-back points are only usable at Verizon. So, if you’re a Verizon customer like me, it’s a great deal; if not, maybe not.
The US Bank Cash+ is a superior choice to the Fidelity Rewards card. 2% can be had for groceries, plus an additional two 5% categories.
Would be nice if the chase sapphire reserve extended the 5% back on groceries, but unlikely
Citi is getting into groceries bonus with the Citi Premier getting 3x TYPts
….
Examples of merchants where you will NOT earn additional rewards include:
Specialty stores (e.g., fish markets, cheese shops, wine shops, and other specialty food stores )
Superstores (e.g. Amazon, Target and Wal-Mart)
Warehouse clubs (e.g. BJ’s Club)
……
from https://www.americanexpress.com/us/rewards-info/retail.html
Yes the terms did state that. Since I can’t add this to the DP on award wallet. WholeFood grocery order via amazon for delivery is coded as merchandise and supplies-internet purchase- but was given 4x at us supermarket. The tip I added to the delivery was not given 4x but only 1x
I am not sure if all 7/11 will be the same but the one I went into is listed as groceries and 4x.
I forgot to get and used the Gold in a bar and I received 1x.
This is a bit off. With the Amex green I was in a deli that it was merchandise/supplies- groceries. Amex green gave me 3x on it for Global dining.
Still a lot of DP needed to be collected on the Amex coding
Any thoughts on the new AA Mileup card/
2 AA miles/dollar is solid. We’re looking into it, to see if it makes sense. As a no-fee card we like it and earning 2x miles we also like it.
I also use AMEX whenever possible. Yes, not accepted everywhere. Ok in most cases. They really have those groceries covered
I use my Amex as much as possible, however its not accepted everywhere. I am a newbie to this travel, trying to get all the bonus points possible programs but Im hopeful that they will be flexible points to use overall.
I use the EveryDay card for grocery spend but it looks like there are more options for me to consider.
The fee free Bank of America Cash Rewards card ($150 sign up bonus) has 2% back on groceries, but if you have any Bank of America or Merrill Lynch accounts, if you redeem your cash back for a deposit into a Bank of America checking account, you get at least a 10% bonus, equaling 2.2% on groceries, and up to an additional 75% bonus, equaling a 3.5% grocery cash back rate depending on your total balances (25$ for 25,000 balance, up to 75% for total $100,000 balances). Merrill Lynch has a discount brokerage, Merrill Edge. If you have an IRA, you can move it or part of ot there to meet the minimum, get a free safe deposit box, trades and an account opening bonus.
Yes, thank you for reminding us of the BOA card! That card is great with very low bonus spending requirements!
Merrill Edge is also offering up to a $1000 bonus for moving over your investments right now: https://www.merrilledge.com/offers/me1000
I love the everyday preferred for groceries. I used to have an AmEx cash back that paid 5% for gas and groceries all year long, but this is the best I could do now
Thanks for the rundown. To keep it easy for my wife and me, we use our Chase Freedom Unlimited as our “default” credit card because it earns 1.5 points on any purchase, and then use other cards for specific things such as the Chase Sapphire Preferred for restaurants for more points per dollar in that category.
We may have to look more into some of the cards that have higher overall returns per yer as we spend a decent amount on groceries. Question: Does the “Return on $6000 Grocery Spend” column take the “Annual Fee” column in consideration? i.e. if I were to get the Amex EveryDay® Preferred Credit Card from American Express to use only for $6000 of groceries and nothing else, would my net actually be $364 ($459 from chart – $95 annual fee)?
You’d need to subtract the fee, so yes, your net is $364.
I know that Amex is accepted in more places. I still see them not accepted in more places that I frequent though. I have considered the Everyday card. Even tho you don’t get as much with the Chase Freedom/unlimited, I’ll stick with those for now. I think I would spread myself too thin with another card.
I believe I’ve heard others talking about rotating cards, depending on what trip, etc they are going for. If a person has several benefit cards is that what you recommend?
My recommendation: Know what each card you have does. Figure out which makes sense to use when renting a car, when staying in a hotel, paying for a train/dinner/etc. Once you know the best cards for each use, you’ll know what card to use at all times.
As a beginner, I would love to see a follow-up post to this question! The thought process behind rotating cards, how many cards is too many (benefits/points/miles spread too thin to be meaningful), how to organize your cards/wallet, etc.
Thanks Lauren. We’re working on two posts about card strategy.
Great! I look forward to reading them!
Thanks for always thinking 2 steps ahead and for sharing your knowledge; it is VERY much appreciated 🙂
Right now using Chase Freedom. Plan to get Amex Everyday Preferred soon.
I usually use Chase Freedom card without annual fee in Q2 of each year to get 5% points with grocery shopping.
Correct: I usually use Chase Freedom card without annual fee in Q2 of each year to get 5X points with grocery shopping.
Reply
I normally use the Amex Everday card with no annual fee. Although for this quarter, I am using the Chase Freedom Android Pay for the 5% points.