Best Credit Cards for Groceries

Find the right grocery rewards credit card for you

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Grocery credit cards give consumers additional cash back, points, or miles on grocery purchases. With the average household spending close to $4,725 per year on groceries, this is a popular category of rewards cards. Having a grocery credit card allows you to maximize this spending by earning bonus rewards on your supermarket purchases.

The best credit cards for groceries offer bonus rewards at grocery stores and have no annual fees or have fees that can be offset by additional rewards or benefits. We’ve analyzed our extensive database to identify the rewards credit cards that earn the most rewards for several different grocery shopper profiles. These are the best grocery credit cards based on your shopping habits.

Best Credit Cards for Groceries for October 2021

Best Overall, Best for Cash Back : Blue Cash Preferred® Card From American Express


Rating as a Credit Card for Groceries
4.8
Blue Cash Preferred® Card from American Express
Current Offer

Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 23.99% variable
Annual Fee $0 for the first year, then $95
Rewards Earning Rate Earn 6% back at US supermarkets (on up to $6,000 per year in purchases), 6% back on select U.S. streaming subscriptions, 3% back on eligible transit and US gas stations, and 1% back on other purchases.
INTRO PURCHASE APR 0% for 12 Months
Foreign transaction fee (%) 2.7%

See rates and fees

  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

The Blue Cash Preferred® Card from American Express is our top pick for best overall grocery and best cash back grocery rewards because of its exceptional 6% cash back at U.S. supermarkets on spending up to $6,000 per year, allowing cardmembers to earn up to $360 on grocery rewards alone. The card also offers strong bonus cash back on gas and dining expenses, making it a great primary card for expense categories that are typically the largest for most Americans. There is a $95 annual fee, but most will find the cost to easily be worth it thanks to the lucrative rewards structure.

Pros & Cons
Pros
  • Outstanding 6% cash back rewards at U.S. supermarkets up to $6,000 per year in spending and on select U.S. streaming services

  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months

  • 0% introductory APR for 12 months on purchases and for balance transfers initiated within the first 60 days of account opening

Cons
  • $95 annual fee

  • 2.7% foreign transaction fee

  • Cash back rewards on groceries are capped, and some wholesale and superstore chains excluded

Best for Grocery Rewards Points : American Express® Gold Card


Rating as a Credit Card for Groceries
4.6
American Express® Gold Card
Current Offer

Earn 60,000 Membership Rewards(R) points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Terms Apply.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 22.99% variable
Annual Fee $250
Rewards Earning Rate Earn 4X Membership Rewards(R) Points on Restaurants, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too. Earn 4X Membership Rewards(R) points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Foreign transaction fee (%) 0%

See rates and fees

  • Why We Chose This Card
  • Pros and Cons
Why We Chose This Card

The American Express Gold Card is our top choice for grocery rewards points because of its 4 points per dollar on all U.S. supermarket purchases and U.S. restaurants up to $25,000 in combined spending. Given that the value of Membership Rewards points can be worth as much as one cent each based on how they are redeemed, the potential rate of return on grocery spending can be good. There is an annual fee of $250, which can be worth it based on the generous bonus categories, $120 in Uber or Uber Eats credits, and $120 in dining credits.

Pros and Cons
Pros
  • Exceptional points rewards on flights, dining, and supermarket purchases

  • Redemption options include 1:1 transfers to many airline and hotel partners

  • Annual credits for Uber and dining

Cons
  • The annual fee is more than double that of many other cards

  • American Express isn't accepted as widely as Visa and Mastercard

  • Bonus for grocery store spending is capped

  • Superstore and warehouse-club purchases don't earn supermarket rewards

Best for Business : Amazon Business Prime American Express Card


Rating as a Credit Card for Groceries
4.1
Amazon Business Prime American Express Card
Current Offer

$125 Amazon.com Gift Card upon approval with an eligible Prime membership.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.24% - 22.24% variable
Annual Fee $0, Prime Membership Required
Rewards Earning Rate Get 5% back on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market with an eligible Prime membership, on up to your first $120,000 in purchases each year. 2% at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. 1% on other purchases.
Cash Advance APR (%) 24.99%
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

The Amazon Business Prime American Express Card wins for best business grocery rewards with grocery purchases through Whole Foods Market earning 5% rewards for eligible Prime Members. Whole Foods purchases, Amazon.com shopping, and Amazon Web Services (AWS) charges all receive 5% rewards on the first $120,000 spent each year.

In lieu of 5% rewards, businesses can choose 90-day 0% financing on purchases instead. Purchases at U.S. gas stations, restaurants, and telephone service providers earn an unlimited 2%, while all other purchases earn 1%. There is no annual fee, and new cardholders receive a $125 Amazon gift card upon approval.

Pros & Cons
Pros
  • Strong returns on your choice of Amazon rewards

  • Decent rewards at restaurants, gas stations, and cell phone service

  • No minimum spending required to earn a one-time bonus

Cons
  • Must have an active Amazon Prime membership

  • Rewards can only be spent at Amazon and Whole Foods

Best for Whole Foods : Amazon Prime Rewards Visa Signature Card


Rating as a Credit Card for Groceries
4.2
Amazon Prime Rewards Visa Signature Card
Current Offer

Get a $100 Amazon.com Gift Card instantly upon credit card approval.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.24% - 22.24% variable
Annual Fee $0, Prime Membership Required
Rewards Earning Rate Earn 5% back at Amazon.com and Whole Foods market with an eligible prime membership, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros and Cons
Why We Chose This Card

We chose the Amazon Prime Visa Signature as our top pick for grocery rewards at Whole Foods Market because of its large, unlimited 5% rewards bonuses with Whole Foods and Amazon.com purchases. If you need more time to pay off your purchases of $50 or more, you can choose a 0% APR promo of six to 18 months instead of the 5% rewards.

You'll also receive 2% back at restaurants, gas stations, and drugstores and 1% everywhere else. Plus, you'll get a $100 Amazon gift card instantly upon approval for this card. There is no annual fee for eligible Amazon Prime members, and the card does not charge any foreign transaction fees. Rewards do not expire and can be used during checkout at Amazon.com or applied toward a purchase on your statement.

Pros and Cons
Pros
  • No annual fee

  • 5% rewards on Amazon.com purchases

  • Easy redemption while shopping

  • No foreign transaction fee

Cons
  • Requires a paid Amazon Prime membership

  • No 0% APR introductory offer

  • Rewards must be spent at Amazon or Whole Foods

  • Low one-time offer

Best for Walmart : Capital One Walmart Rewards Mastercard


Rating as a Credit Card for Groceries
4.2
Capital One Walmart Rewards Mastercard
Current Offer

Earn 5% back in Walmart stores for the first 12 months when you use your Capital One Walmart Rewards Card with Walmart Pay - the quick and secure way to pay with your phone at Walmart.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.99% - 26.99% variable
Annual Fee $0
Rewards Earning Rate Earn 5% at Walmart.com, the Walmart app, and on Walmart grocery pickup and delivery. Earn 2% back on purchases at Walmart stores, Walmart & Murphy USA Fuel Stations, and on dining and travel purchases. Earn 1% back on all other purchases.
Balance Transfer Fee 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros and Cons
Why We Chose This Card

The Capital One Walmart Rewards Mastercard is our top pick for earning cash back rewards on groceries from Walmart and Walmart.com. The Capital One Walmart Rewards Mastercard is the logical choice to earn substantial cash back rewards on their groceries while taking advantage of their already discounted prices. You'll earn 5% cash back on Walmart.com purchases for delivery or pickup. For the first 12 months, the in-store cash back is 5% when using Walmart Pay.

Pros and Cons
Pros
  • High rewards on Walmart purchases online for pickup or delivery

  • Earn 5% cash back in store with Walmart Pay during the first year

  • No caps on rewards at the highest rates

  • Bonus rewards on dining and travel

Cons
  • The high Walmart in-store rewards are a limited time offer.

  • No bonus rewards at other grocery stores

  • Strong credit is recommended.

Best for No Annual Fee : Blue Cash Everyday® Card From American Express


Rating as a Credit Card for Groceries
4.4
Blue Cash Everyday® Card from American Express
Current Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 23.99% variable
Annual Fee $0
Rewards Earning Rate Earn 3% at U.S. supermarkets (up to $6,000 per year in purchases), 2% at U.S. gas stations & select U.S. department stores, and 1% on other purchases.
INTRO PURCHASE APR 0% for 15 Months
Foreign transaction fee (%) 2.7%

See rates and fees

  • Why We Chose This Card
  • Pros and Cons
Why We Chose This Card

Our choice for the best grocery rewards credit card with no annual fee is the Blue Cash Everyday® Card from American Express. It earns 3% cash back on the first $6,000 you spend at U.S. supermarkets every year. Additionally, it earns an unlimited 2% at U.S. gas stations and select department stores, plus 1% everywhere else. New customers can earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months

The card also comes with a 0% APR introductory offer for 15 months on purchases. There is no annual fee, but international purchases do incur a 2.7% foreign transaction fee.

Pros and Cons
Pros
  • Generous cash back rewards at supermarkets with no annual fee

  • It's an Amex card on which you can carry a balance.

  • Decent 0% APR offer on purchases

Cons
  • Grocery rewards are capped and some stores are excluded.

  • Less suitable for foreign travel than many cards

Best for Points, Daily Charges : Amex EveryDay® Preferred Credit Card


Rating as a Credit Card for Groceries
4.3
Amex EveryDay® Preferred Credit Card
Current Offer

Earn 15,000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 12.99% - 22.99% variable
Annual Fee $95
Rewards Earning Rate Earn 3 points per $1 at US supermarkets on up to $6,000 per year. Earn 2 points at US gas stations, and 1 point on other purchases.
INTRO PURCHASE APR 0% for 12 Months
Foreign transaction fee (%) 2.7%
  • Why We Chose This Card
  • Pros and Cons
Why We Chose This Card

The winner for the best credit card for points and daily purchases is the Amex EveryDay® Preferred Credit Card because it earns 3x points on the first $6,000 in grocery store purchases every year. You'll also receive 2x points at U.S. gas stations and everything else earns 1x. When you make at least 30 purchases in a billing period, you'll receive 50% more points. New customers can earn 15,000 points after spending $1,000 during the first three months after approval. There's also an intro 0% APR offer on purchases for 12 months to give you more time to pay off your purchases without paying any interest.

Pros and Cons
Pros
  • Competitive rewards earning rates on routine purchases.

  • More points for frequent spenders.

  • Points are transferable to airline and hotel partners.

Cons
  • Annual fee

  • Earning caps may limit grocery rewards.

  • Unremarkable bonus for new cardholders

Final Verdict

There are many credit cards that offer generous rewards when shopping at supermarkets. The best credit cards for grocery stores also earn additional rewards for other purchases and provide attractive benefits. Our choice for the best credit card for groceries is the Blue Cash Preferred Card from American Express. With its 6% cash back on groceries (up to $6,000 per year), it's also our pick for the best cash back credit card at U.S. grocery stores. New customers can earn $300 after spending $3,000 within six months and take advantage of a 0% introductory APR on purchases for 12 months. Plus, the annual fee of $95 is waived for the first year.

Compare the Best Credit Cards for Groceries

Credit Card Intro Offer Rewards Annual Fee
Blue Cash Preferred Card from American Express
Best Overall, Best for Cash Back
$300 after $3,000 in 6 months 6% groceries & streaming 3% transit & gas 1% all else $95 (first year waived)
American Express Gold Card
Best for Grocery Rewards Points
60,000 points after $4,000 in 3 months  4x dining & groceries 3x flights 1x all else $250
Amazon Business Prime American Express Card
Best for Business
$125 Amazon gift card upon approval  5% back or 90-day terms on Amazon and Whole Foods 2% at U.S. restaurants, gas stations, and wireless telephone 1% all else $0
Amazon Prime Rewards Visa Signature Card
Best for Whole Foods
$100 Amazon gift card upon approval  5% at Amazon & Whole Foods 2% dining, gas stations, and drugstores 1% all else $0
Capital One Walmart Rewards Mastercard
Best for Walmart
5% on in-store Walmart purchases using Walmart Pay for 12 months  5% at Walmart.com 2% in Walmart stores, dining, and travel 1% all else $0
Blue Cash Everyday Card from American Express
Best for No Annual Fee
$200 after $1,000 in 3 months  3% at U.S. supermarkets & gas stations 2% U.S. department stores 1% all else $0
Amex EveryDay Preferred Credit Card
Best for Points, Daily Charges
15,000 points after $1,000 in 3 months 0% APR on purchases for 12 months  3x at U.S. supermarkets & gas stations 1x all else $95

Editorial Picks for the Best Credit Cards for Groceries

Blue Cash Preferred Card From American Express

Best Overall, Best for Cash Back

Earn up to 6% cash back on groceries and streaming services up to $6,000, plus 3% on transit purchases. The $95 annual fee is waived the first year so you can test drive the card's benefits before paying a fee.

Read the full Blue Cash Preferred Card from American Express Review.

American Express Gold Card

Best for Grocery Rewards Points

Amazon Prime members earn an unlimited 5% on Whole Foods and Amazon.com purchases. Receive a $100 Amazon gift card immediately upon approval.

Read the full American Express Gold Card Review.

Amazon Business Prime American Express Card

Best for Business

Earn 5% rewards on the first $120,000 you spend at Whole Foods, Amazon.com, and Amazon Web Services. Option to choose 90-day terms on purchases instead of the 5% back.

Read the full Amazon Business Prime American Express Card Review.

Amazon Prime Rewards Visa Signature Card

Best for Whole Foods

Receive 5% rewards at Amazon and Whole Foods when you have an eligible Amazon Prime membership. There are no annual fees or foreign transaction fees, and you'll receive a $100 Amazon gift card upon approval.

Read the full Amazon Prime Rewards Visa Signature Card Review.

Capital One Walmart Rewards Mastercard

Best for Walmart

Walmart.com purchases for pickup or delivery earn an unlimited 5% cash back. For a limited time, you'll also receive 5% cash back on in-store Walmart purchases when you pay with your card using Walmart Pay.

Read the full Capital One Walmart Rewards Mastercard Review.

Blue Cash Everyday Card From American Express

Best for No Annual Fee

This no annual fee card earns 3% cash back on up to $6,000 in U.S. supermarket purchases each year. You'll also earn an unlimited 2% cash back at U.S. gas stations and select U.S. department stores.

Read the full Blue Cash Everyday Card from American Express Review.

Amex EveryDay Preferred Credit Card

Best for Points, Daily Charges

Earn 3x points at U.S. supermarkets on the first $6,000 you spend every year. When you use your card at least 30 times each month, you'll receive 50% more points on all of your purchases.

Read the full Amex EveryDay Preferred Credit Card Review.

Types of Grocery Rewards Credit Cards

There are generally two types of grocery rewards credit cards: those that earn unlimited rewards and those with bonus categories that are capped.

  • Unlimited grocery rewards credit cards. As the name implies, the amount of rewards you can earn on grocery spending is unlimited. You'll earn the same rewards rate no matter how much you spend each year.
  • Capped grocery rewards credit cards. These grocery credit cards offer a bonus when making purchases at supermarkets, but the amount of purchases that earn the higher rate is capped each year. When you reach the annual spending cap, all future grocery purchases earn a lower rate.

Some credit cards exclude grocery purchases at Walmart, Target, and wholesale clubs from your grocery bonus category. If you make purchases from these stores, pay close attention to any exclusions that your card may have so you won't be surprised. People who frequently shop at these stores may want to get that store's credit card, like the Capital One Walmart Rewards Mastercard or the Costco Anywhere Visa Credit Card.

Pros and Cons of Credit Cards With Grocery Rewards

Having a credit card that offers grocery rewards has numerous benefits for cardholders. However, there are some negatives as well. Consider both sides before applying for a grocery credit card.

Pros
  • Enhanced rewards on a major spending category

  • Other spending categories may offer bonus rewards, too.

  • Most charge no annual fee.

Cons
  • Grocery spending eligibility may be capped.

  • Co-branded grocery credit cards typically limit rewards to purchases at their stores.

  • Interest rates can be higher than non-rewards cards.

Grocery Rewards Credit Cards Pros Explained

  • Enhanced rewards on a major spending category.  According to government data, the average American household spends close to $4,725 a year on “food at home,” and that doesn’t include the many other products people routinely purchase at grocery stores. Being able to earn bonus rewards on this large of a spending category can potentially save hundreds of dollars a year.
  • Other spending categories may offer bonus rewards, too. Cards that offer extra rewards on grocery spending frequently include other bonus categories, such as gasoline, restaurants, or travel.
  • Most charge no annual fee. Grocery rewards cards are usually free of annual fees. For the few that do charge an annual fee, that fee is often justified by the overall value of the card’s rewards and other benefits.

Grocery Rewards Credit Cards Cons Explained

  • Grocery spending eligibility may be capped. Many grocery rewards cards put a limit on the dollar amount of grocery purchases that are eligible for enhanced points or cash back, either on a quarterly or an annual basis.
  • Co-branded grocery credit cards typically limit rewards to purchases at their stores. Some cards offered by big box retailers, wholesale clubs, and grocery chains offer compelling rewards on grocery purchases, but those enhanced rewards are only available when you shop with that specific retailer.
  • Interest rates can be higher than non-rewards cards. This can apply to all manner of rewards credit cards. It goes without saying that the interest charged on carried balances can nullify the benefit of any rewards, so it’s best to pay bills in full and on time.

How Do Grocery Rewards Credit Cards Work?

Most grocery rewards cards provide cash back, points, or miles on grocery purchases, but some make grocery shopping more rewarding than others. Typically, those cards feature grocery purchases as a bonus earnings category and pay a higher rate of rewards on them. Such cards may or may not exclude big box stores like Walmart or wholesale clubs like Costco, BJ’s, or Sam’s Club from their bonus category. However, most big box stores and all the major wholesale clubs offer their own co-branded credit cards that pay consumers attractive rewards in exchange for their brand loyalty.

What Should You Consider When Selecting a Grocery Rewards Card?

  • Where do you typically shop for groceries?
  • How much do you spend each month?
  • Would you be willing to change your shopping habits if the potential rewards warranted?
  • Are you willing to pay an annual fee in exchange for greater earning opportunities?
  • Do you have another rewards card that offers enhanced earnings on other spending categories, such as gas or restaurants? If so, are you willing to carry another card or would you prefer to have a single rewards card that gives you a good return across all of your most important spending categories?
  • Are you willing to keep track of quarterly or annual spending if eligible grocery spending is capped?

To compare different cards, it’s helpful to examine your spending patterns and try to estimate how much you might get from each card in terms of rewards. While grocery shopping is a significant category for most people, other monthly spending categories can be equally or even more important. Also consider any signup bonuses a card might offer and whether it charges an annual fee.

Can You Get a Grocery Rewards Credit Card With Bad Credit?

Each of the grocery rewards credit cards on this list recommends a 670 credit score or higher when applying. If you have bad credit, it is doubtful that your application will be approved. However, people with fair (FICO 580 to 669) or very poor (300 to 579) credit can qualify for a secured credit card that offers cash back or points on all purchases, including groceries. After using a secured credit card responsibly for a period of time, you can build a good credit score (FICO 670 to 739) and eventually qualify for a regular, non-secured card.

Is a Grocery Rewards Credit Card Right for Me?

People who make purchases at grocery stores frequently should consider a grocery rewards credit card. These credit cards allow you to maximize the rewards that you'll earn on your supermarket purchases while also offering additional rewards and benefits on your other purchases.

Many grocery credit cards do not charge an annual fee, and those that do often have additional benefits that make paying the annual fee worthwhile. While rewards on grocery spending are often unlimited, some cards place a cap on the bonuses you can earn each year on groceries. Depending on how much you spend at supermarkets, the caps may or may not affect your ability to earn additional rewards.

Before applying for a grocery credit card, make sure that the enhanced rewards are worth any fees that you'll pay and that you are okay with any annual caps on grocery bonuses that may apply.

Methodology

To select the best credit cards for groceries we gathered data points on more than 300 cards. Each feature, including annual fees, rewards earned, benefits, interest rates, and more, was assigned a score to compare against similar cards. Features were weighted based on their importance to different types of card categories so that we could determine the winner for each category. We continuously monitor the details of each card to ensure that our rankings are up to date so you can pick the card that matches your goals.

Meet Our Credit Card Expert

Ben Woolsey is Investopedia's Senior Editor for Credit Cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. Bureau of Labor Statistics. "Consumer Expenditures Midyear Update—July 2019 through June 2020 Average." Accessed May 13, 2021.