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By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 7 minute read

In many ways, going to the supermarket is a leveler. Everyone, from the well-to-do to the microwavable only, has experienced the thrill of perusing the aisles of a supermarket. Most people have figured out how to play the grocery delivery game by now.

It’s little wonder that people of all socioeconomic backgrounds respond positively to credit card offers from supermarkets.

There is probably a rewards card that is matched to your food shopping habits and credit score, from entry-level spending aids like the Blue Cash Everyday card from American Express to premier items like the Amazon Prime Rewards Visa Signature card.

Best Grocery Credit Cards

When shopping at supermarkets and grocery stores, these credit cards are among the finest to use. All of them excel in one area, whether it’s providing customers with infinite cash back at great rates or providing features that can’t be found anywhere else.

Please note that unless otherwise specified, the supermarket rewards categories of these credit cards do not include purchases made at superstores like Walmart, Target, and Meijer, or at warehouse clubs like Sam’s Club and Costco.

Best Overall: American Express Blue Cash Preferred® Card

The American Express Blue Cash Preferred® Card offers the most generous cash back bonuses on grocery store purchases of any major credit card. 6 percent rebate on the first $6,000 spent annually at U.S. grocery stores.

That’s $360 in savings at the supermarket, or $265 after deducting the $95 annual cost (applicable after the first year, when the annual price is waived; for details, see the rates and fees page).

Reward Dollars are a form of cash back that may be redeemed for statement credits after they reach $25.

This is a respectable haul that most families with multiple members can readily accomplish.
Favored by Both Home Cooks and Those Who Enjoy Eating Out The Big Gigantic Capitalist One Credit Card with Cash Rewards from SavorOne

Unlimited 3% cash back on grocery store purchases is available with the Capital One SavorOne Cash Rewards credit card.

What if you just don’t feel like making dinner? Don’t stress. SavorOne members receive a flat 3% cash back on all dining and entertainment purchases, with no limits.
So it’s the best credit card for people who want to li

Best for People Who Enjoy Eating Out: Credit Card Capital One SavorOne Cash Rewards

Unlimited 3% cash back on grocery store purchases is available with the Capital One SavorOne Cash Rewards credit card.

What if you just don’t feel like making dinner? Don’t stress. SavorOne members receive a flat 3% cash back on all dining and entertainment purchases, with no limits. This makes it the best credit card for foodies everywhere, whether they prefer to cook at home or dine at restaurants. In addition,

  • Spend $500 in qualifying purchases during the first three months and earn $200.
  • Capital One Travel offers limitless 5% cash back on qualifying hotel and vehicle rental reservations. Earn limitless 3% cash back on streaming service purchases that qualify.
  • Earn limitless 1% cash back on any other purchases that qualify.
  • Any amount can be redeemed for statement credits or bank account deposits.
  • Enjoy a 0% introductory APR on purchases and balance transfers for the first 15 months after account creation. The variable regular APR applies thereafter.
  • No yearly charge.
  • No international transaction cost.

Capital One SavorOne Student Cash Rewards Credit Card: Best for Students.

With the Capital One SavorOne Student Cash Rewards Credit Card, you may earn limitless 3% cash back on purchases made at grocery shops, with the exception of those made at superstores like Walmart and Target.

As part of their growing sense of independence, college students with two or four years under their belts who are living on their own or with roommates and are responsible for splitting the food bill will find this card indispensable.

Capital One’s promise to review members for increased credit limits after as little as 6 months of responsible use makes this card an excellent choice for anybody looking for their first credit card. In addition,

  • Spend $100 in the first three months and get $100 back for a limited time only!
  • Profit without limits Capital One Travel is offering a 5% rebate on hotel and auto rental purchases made through their site.
  • You may get 3% back on all your eating, entertainment, and qualifying streaming service purchases, forever.
  • In addition, you may get 1% cash back on each qualified purchase, forever.
  • You may exchange it for cash or a credit to your bank account.
  • There is no yearly maintenance cost
  • There is no additional cost when making a payment in a foreign currency

Customers who shop at Whole Foods and Amazon Fresh will appreciate: Visa Signature Amazon Prime Rewards Card

Prime members who regularly use Amazon Fresh, Prime Pantry, or Whole Foods Market as their primary or only grocery retailer should apply for the Amazon Prime Rewards Visa Signature Card. You may get 5% cash back on all your grocery and non-grocery purchases in the Amazon ecosystem.

You can easily exchange your Amazon cash-back points for purchase credits of any amount right at the register, making this a great supermarket rewards credit card for Amazon devotees. In addition,

  • Immediately receive a $100 Amazon gift card upon approval; restrictions apply; read conditions for details.
  • Earn limitless 2% cash back on restaurant, gas station, and pharmacy purchases.
  • Earn limitless 1% cash back on any other purchases that qualify.
  • The card itself has no annual charge, but you must be an active Amazon Prime member to get 5% cash back on and Whole Foods purchases.
  • Membership to Prime costs $119 per year, subject to change
  • No international transaction charge

The American Express® Gold Card Offers the Best Cardmember Perks

For the first $25,000 you spend annually on groceries in the United States with your American Express® Gold Card, you’ll receive 4 Membership Rewards points. That’s a maximum 4% return on investment, or up to 100,000 bonus points each year on grocery store purchases, redeemable for up to $0.01 per point.

If you spend more than the yearly limit in U.S. supermarkets, you’ll receive one point for every dollar you spend. Families that practice extreme frugality seldom go beyond their budgets. Value-added perks, however, are what make the Gold Card stand out.

  • Earn $10 in monthly (or $120 yearly) eating credits at participating restaurants and through the Grubhub app (enrollment is required and terms apply)
  • By adding your Gold Card as a payment option in the app, you may earn up to $10 in Uber Cash per month (up to $120 yearly) (enrollment is required and terms apply)
  • By making $4,000 in purchases in the first six months of card membership, you can receive 60,000 Membership Rewards points as a welcome incentive.

Best for Moderate Spenders: American Express Blue Cash Everyday® Card

You may get almost all of the benefits of the Blue Cash Everyday® Card without paying the annual fee.

The card is best for moderate spenders who don’t want massive grocery-shopping firepower, since it offers 3% cash back on the first $6,000 spent at U.S. supermarkets and U.S. petrol stations annually, and 1% cash back on U.S. supermarket and U.S. gas station purchases thereafter. In either case, you’ll receive an additional $180 in addition to the regular cash rate. In addition,

  • Cash back is accumulated in the form of Reward Dollars, which may be redeemed for statement credits.
  • Earn $200 as a welcome bonus after spending at least $2,000 on purchases during the first six months of opening your account.
  • Earn 3% cash back on online retail transactions made in the United States.
  • Earn 1% cash back on all other qualifying purchases, even grocery purchases that exceed the yearly spending limit.
  • Cash back is earned in the form of Reward Dollars, which may be redeemed for statement credits.
  • Redeem collected cash back for Blue Cash Everyday account statement credits.
  • Enjoy 0% intro APR on purchases and debt transfers for 15 months from the day your account is opened, after which standard variable APR (currently 16.24% to 27.24%) will apply (see rates and fees page).
  • There is no yearly charge.

Citi Double Cash® Card is the best flat-rate card.

You may get 2% cash back on all transactions, including those made at the grocery store, when you use the Citi Double Cash® card. If you don’t want to carry around two different credit cards, this is your best bet; it has the highest possible flat-rate cash-back for supermarket purchases.

Please note that the full 2% cash-back limit is only earned when the monthly bill amount is paid in full. In addition,

  • For a limited time, receive $200 cash back after spending $1,500 in the first six months following account creation.
  • Subject to minimum redemption requirements, redeem for statement credits and other cash-back forms.
  • Enjoy 0% APR on balance transfers for 18 months from the account opening date; thereafter, the variable APR (currently 16.24% to 26.24%, depending on your creditworthiness and the prevailing rate) applies.
  • No yearly charge
  • 3% charge for overseas transaction

Is there an annual fee on the best grocery credit cards?

But certainly not all of them. Most of the cards above don’t even have yearly fees. The percentage of return on grocery store purchases is rather high, and it does not need a yearly fee. In general, cards with an annual charge are better. It’s likely that you’ll be drawn to these high-end items if you enjoy splurging while traveling or shopping.

How to Choose the Most Appropriate Grocery Store Credit Card

Everyone can find something of interest in this collection. If you’re having trouble keeping track of everything, take a deep breath and think about what features you need most from your grocery store credit card. Inquire within:

  • If you wish to avoid paying an annual fee, you’ll still have plenty of options.
  • Which additional expenditure categories do you want to earn points for?
  • Your yearly grocery budget — Some credit cards have reward caps based on yearly spend.
  • Whether you desire a sign-up incentive or a 0% APR introductory offer, you can find it here.
  • How devoted you are to particular supermarket businesses, such as Whole Foods

If you answer these correctly, you should be down to a handful of choices. Think over the features and benefits of each option and pick the one that works best for you.

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