Best Credit Cards for Groceries (2026)
Grocery spending is one of the biggest household expenses, averaging $500-$800 per month for most families. The right credit card can earn you hundreds of dollars back each year on purchases you are already making. We have evaluated every major card to find the ones that deliver the best grocery rewards, whether you prefer cash back, points, or miles.
How We Choose These Cards
Our methodology for ranking the best groceries cards
All card data is verified against issuer websites and updated monthly. Last verified: March 2026. See our advertiser disclosure for details on how we are compensated.
Top 6 Groceries Credit Cards
Blue Cash Preferred® Card from American Express
Best cash back card for families with high grocery and streaming expenses.
Bonus Categories
Pros
- 350 cash welcome bonus (~$350 value)
- 0% intro APR for 12 months
- Up to 6x on groceries, streaming, transit, gas
- 6% cash back at U.S. supermarkets (up to $6k/year)
Cons
- $95 annual fee
- 2.7% foreign transaction fee
- High ongoing APR (up to 29.99%)
Key Benefits
- 6% cash back at U.S. supermarkets (up to $6k/year)
- 6% on select streaming services
- 3% on transit and gas stations
- 0% intro APR for 12 months on purchases
- $350 welcome bonus
American Express® Gold Card
The premier card for dining and grocery rewards with outstanding earning rates and valuable credits.
Bonus Categories
Pros
- 75,000 points welcome bonus (~$750 value)
- No foreign transaction fees
- Up to 4x on dining, groceries, flights
- Earn 4x points at restaurants and U.S. supermarkets (up to $25k/year)
Cons
- $250 annual fee
- High ongoing APR (up to 28.24%)
- $4,000 spend requirement for bonus
Key Benefits
- Earn 4x points at restaurants and U.S. supermarkets (up to $25k/year)
- 4x points on flights booked directly with airlines
- $120 dining credit annually
- $120 Uber Cash annually
- No foreign transaction fees
Capital One SavorOne Cash Rewards Credit Card
Top cash back card for dining and entertainment with no annual fee.
Bonus Categories
Pros
- 200 cash welcome bonus (~$200 value)
- No annual fee
- No foreign transaction fees
- Up to 3x on dining, entertainment, groceries, streaming
Cons
- High ongoing APR (up to 29.74%)
Key Benefits
- 3% cash back on dining, entertainment, groceries, and streaming
- No annual fee
- No foreign transaction fees
- $200 welcome bonus
- Extended warranty and purchase protection
Blue Cash Everyday® Card from American Express
No annual fee cash back card with elevated rewards on everyday spending categories.
Citi® Custom Cash Card
Automatically earn 5% cash back on your top spending category each billing cycle.
Bank of America® Customized Cash Rewards Credit Card
Choose your own 3% cash back category and earn even more with Preferred Rewards.
Tips for Choosing a Groceries Card
- Calculate your monthly grocery spend to see if a card with an annual fee still nets you more than a no-fee card.
- Watch for spending caps on bonus categories. The Amex Blue Cash Preferred caps at $6,000/year for the 6% rate.
- Consider pairing a grocery card with a flat-rate card for purchases that exceed the bonus cap.
- Online grocery orders may or may not code as grocery purchases depending on the retailer.
- Warehouse clubs like Costco and Sam's Club typically do not count as supermarkets.
Frequently Asked Questions
Related Categories
Find Your Perfect Card
Not sure which groceries card is right for you? Take our personalized quiz for a custom recommendation.