Best credit cards for groceries
Updated 2026-07-23Groceries are one of the biggest recurring costs in most budgets, so the right card turns every weekly run into cash back or points. The fine print is where these cards split apart. Some cap the bonus rate, some define "supermarket" narrowly enough to leave out Walmart and Target, and some only reward grocery orders placed online. We ranked these five on how much they pay at the register, how much you can spend before the rate drops, and whether you walk away with cash back or transferable points.
How we rank: We ranked by grocery earn rate first, then weighed the spending cap, how each card defines a qualifying supermarket, the annual fee, and whether rewards land as cash back or points you can move to travel partners.
- 1$300 bonusBlue Cash Preferred® Card from American Express
American Express · American Express · $95/yr ($0 first year)
It earns the highest supermarket rate here, 6% cash back at U.S. supermarkets on up to $6,000 a year (then 1%), and Amex waives the $95 annual fee the first year.
1% base6% U.S. supermarkets6% Select U.S. streaming subscr3% Transit - 2100,000 points bonusAmerican Express® Gold Card
American Express · American Express · $325/yr
It earns 4X Membership Rewards at U.S. supermarkets on up to $25,000 per calendar year (then 1X), a far higher cap than the Blue Cash Preferred, though the $325 annual fee asks for heavy grocery and dining spend to pay off.
1x base4x Restaurants worldwide4x U.S. supermarkets5x Prepaid hotels booked on Ame - 3100,000 points bonusChase Sapphire Preferred® Card
Chase · Visa · $95/yr
It pays 3X Ultimate Rewards on online grocery purchases (Target, Walmart, and wholesale clubs excluded), rewarding delivery and pickup orders rather than in-store swipes, on a $95 annual fee.
1x base5x Travel booked through Chase 3x Dining3x Gas and EV charging - 460,000 points bonusCiti Strata Premier℠ Card
Citi · Mastercard · $95/yr
It earns 3X ThankYou Points at supermarkets with no spending cap, plus 3X on restaurants, gas, and air travel, for the same $95 annual fee.
1x base10x Hotels, car rentals and attr3x Air travel and other hotel p3x Restaurants - 5$250 bonusCapital One Savor Cash Rewards Credit Card
Capital One · Mastercard · No annual fee
It's the only card here with no annual fee, earning 3% back at grocery stores (superstores like Walmart and Target excluded) alongside 3% on dining, entertainment, and streaming.
1% base3% Dining3% Entertainment3% Popular streaming services
Bottom line
If groceries are your single biggest category, the Blue Cash Preferred pays the most per dollar at 6% up to $6,000 a year, and the waived first-year fee lets you try it at no cost. Heavy grocery-and-dining spenders who value transferable points lean toward the Amex Gold and its $25,000 cap, while the Capital One Savor delivers 3% with no annual fee at all.
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