Top Credit Cards for Grocery Shopping
The average American household spends over $5,000 per year on groceries. The right credit card can turn that into $150-$300 in annual rewards with zero extra effort.
| Feature | Amex Blue Cash Preferred American Express | Amex Blue Cash Everyday American Express |
|---|---|---|
| Annual Fee | $95 | $0 |
| APR | 19.49% - 29.99% | 19.49% - 29.99% |
| Sign-Up Bonus | $250 after $3,000 spend in 6 months | $200 after $2,000 spend in 6 months |
| Base Rewards | 1% on everything | 1% on everything |
| Top Categories | 6% supermarkets (up to $6k/yr), 6% streaming, 3% transit/gas | 3% supermarkets (up to $6k/yr), 3% gas, 3% online retail |
| Foreign Tx Fee | 2.7% | 2.7% |
| Credit Needed | Good (670+) | Good (670+) |
Pros & Cons
Amex Blue Cash Preferred
Pros
- +Industry-leading 6% at U.S. supermarkets
- +6% on select streaming
- +3% on transit and gas
- +Up to $360/yr in grocery cash back
Cons
- -$95 annual fee
- -$6,000 annual grocery cap
- -Not valid at warehouse clubs (Costco, Sam's)
- -Foreign transaction fee
Amex Blue Cash Everyday
Pros
- +No annual fee
- +3% at U.S. supermarkets
- +3% on gas and online retail
- +Good starter rewards card
Cons
- -Only 3% vs 6% on Blue Cash Preferred
- -$6,000 annual grocery cap
- -Warehouse clubs excluded
- -Foreign transaction fee
Our Recommendation
The Amex Blue Cash Preferred is the undisputed grocery card champion at 6% back. For no annual fee, the Amex Blue Cash Everyday at 3% is the best option.