Best Credit Cards for Groceries

These grocery credit cards earn you cash and rewards.

If you spend a lot of money at the grocery store, you could benefit from a cash-back or rewards credit card that offers extra points or higher cash back rates on grocery purchases. However, not all credit cards are created equal, and you’ll want to pay attention to fees, interest rates and other benefits and perks associated with all of these cards that give you more when you buy groceries before deciding which one to apply for. So you can better decide on the best credit card for grocery shopping, here’s a look at the benefits and rewards of these recommended cards.

Top Credit Cards for Groceries
Credit CardBest ForAnnual FeeIntro/Bonus OfferAPRRewards
American Express logo 2017Blue Cash Preferred Card from American ExpressAccelerated cash back$95$200 back after you spend $1,000 in purchases in the first 3 months0% intro APR for 12 months; then 14.99% to 25.99%6% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%
3% cash back on gas
1% cash back on all other purchases
DiscoverDiscover it Cash BackAbility to double your cash back at the end of your first year$0Cash-back match at the end of your first year0% intro APR for 14 months; then 13.99% to 24.99% APR5% cash back at different places each quarter such as gas stations, grocery stores, restaurants, Amazon and more, up to the quarterly maximum, each time you activate
Unlimited 1% cash back on all other purchases
PenFed credit union logoPenFed Platinum Rewards Visa Signature CardCash-back credit card through a credit union$0$100 statement credit when you spend $1,500 in first 90 days11.74% to 17.99%5x points on gas purchases
3x points on groceries
Capital OneSavorOne Rewards from Capital OneCash back on food purchases both at grocery stores and restaurants$0$150 cash bonus after you spend $500 on purchases within the first 3 months from account opening0% intro APR for 15 months; then 14.74% to 26.74%3% cash back on dining and entertainment
2% cash back at grocery stores
1% cash back on all other purchases
Citi logo 2017Citi Double Cash CardNo caps on cash back you can earn$0N/A15.49% to 25.49%2% cash back on purchases (1% when you buy, plus 1% as you pay)
ChaseChase FreedomHigh rate of cash back on rotating categories$0$150 bonus after spending $500 on purchases in the first 3 months from account opening0% intro APR for 15 months; then 16.99% to 25.74%5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate

6 Best Credit Cards for Grocery Shopping

Turn the dollars you spend on groceries into cash back and other rewards with any of these credit cards. Keep reading to find out more about each card.

Blue Cash Preferred Card From American Express

Best for: Accelerated cash back on grocery purchases

The American Express Blue Cash Preferred Credit Card is one of the best cash-back credit cards. It offers the highest percentage of cash back on grocery purchases of all the featured cards, with 6 percent cash back. However, it’s also the only one with an annual fee, so make sure you’d earn enough cash back to make paying the $95 fee worth it.

Discover it Cash Back

Best for: Earning more cash back your first year

With the Cashback Match offer, Discover will automatically match all of the cash back you earned at the end of the first year. You’ll earn up to 5 percent cash back on all purchases, and you can redeem your rewards for cash in any amount at any time. Cash rewards don’t expire, and you can use your rewards instantly when you shop on Amazon. It’s one of the best rewards credit cards out there.

PenFed Platinum Rewards Visa Signature Card

Best for: Cash back for credit union members

The Platinum Rewards Visa Signature Card from PenFed allows you to earn three points for every $1 spent on groceries. Rewards points can be redeemed for gift cards, travel or shopping. The card also comes with automatic enrollment in the Premium Rewards Program, 24/7 complimentary concierge service and digital wallet compatibility.

SavorOne Rewards From Capital One

Best for: Cash back on food purchases both at grocery stores and restaurants

If you spend just as much on dining out as on groceries, you can benefit from the Capital One SavorOne Rewards card, which allows you to earn 3 percent cash back on dining and 2 percent cash back at grocery stores. Additional card benefits include extended warranty protection, price protection, complimentary concierge service, 24-hour travel assistance services and exclusive access to culinary, music and sports events.

Attention, Frequent Flyers: Best Travel Credit Cards

Citi Double Cash Card

Best for: No caps on cash back you can earn

Many of the rewards cards on this list put a cap on the purchases that will earn you the highest cash-back percentage, but the Citi Double Cash Card allows you to earn 2 percent cash back on all purchases with no limits. The simple-to-use card has no rotating categories to keep track of and no annual fee.

See: Best ‘No Annual Fee’ Credit Cards

Chase Freedom

Best for: High rate of cash back on rotating categories

Earn 5 percent cash back on rotating categories — including groceries — with the Chase Freedom card. Other bonus cash-back categories have included gas stations, internet/cable/phone services, Chase Pay, Google Pay, Apple Pay, Samsung Pay, PayPal, Chase Pay, Lyft, Walgreens, wholesale clubs and department stores. Note that you do have to remember to activate bonus categories each quarter to get the high rate of cash back. Otherwise, all purchases will earn you 1 percent cash back.

Click through to read about the best gas credit cards.

More on Credit Cards

We make money easy. Get weekly email updates, including expert advice to help you Live Richer™. identified the best credit cards for grocery shopping by analyzing annual fees, purchase APRs, rewards and offers. All fees and rates are subject to change at the credit card issuers’ discretion, and some bonus offers might no longer be available on the credit card issuers’ websites, depending on how you access the web page.

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GOBankingRates bases its assessment of “best” and “top” products on the above-stated parameters to create a baseline for comparison. This assessment is an approximation of “best” and “top” designed to help consumers find products that might be appropriate for them. There could be other options available as well. Consumers should consider various options appropriate for their personal circumstances.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by American Express.

About the Author

Gabrielle joined GOBankingRates in 2017 and brings with her a decade of experience in the journalism industry. Before joining the team, she was a staff writer-reporter for People Magazine and Her work has also appeared on E! Online, Us Weekly, Patch, Sweety High and Discover Los Angeles, and she has been featured on “Good Morning America” as a celebrity news expert.