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Offers for the American Express® Gold Card, The Amex EveryDay® Preferred Credit Card from American Express, Blue Cash Preferred® Card from American Express, The Amex EveryDay® Credit Card from American Express, Blue Cash Everyday® Card from American Express and Hilton Honors American Express Surpass® Card are not available through this site. All information has been independently collected by AwardWallet and has not been reviewed or provided by the card issuer. Some offers may have expired. Please see our card marketplace for available offers.
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.
- The Best Credit Card for Groceries Right Now
- The Best Credit Cards for Groceries After the First Year
- Top 12 Grocery Store Credit Cards
- Which Stores Earn a Grocery or Supermarket Bonus?
- Final Thoughts
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.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- No annual fee
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
- Earn 1.5% cash back 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.
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
- 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, 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
- 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%).
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 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||1.5% cash back 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 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|
|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% at U.S. gas stations
|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|
|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. supermarkets||12X at Hilton properties|
6X at U.S. gas stations
3X for all other eligible purchases
|$144 (based on 0.4¢ per HH point)||$95|
|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)||$0 for the first year; $95 after that|
|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…”
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.
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