8 Best Credit Cards for Groceries in 2024

Groceries are one of a typical household's most common and recurring expenses. But did you know you can save hundreds of dollars monthly by paying them with a grocery credit card? By using one of these cards, buyers can earn bonus rewards, flyer miles, gift cards, travel points, and more. 

According to the Federal Consumer Expenditure Data, the average household spent around $5,700 on “groceries” in 2022. With a top credit card for groceries, you can get exclusive discounts and special perks like cash back. 

We have handpicked and listed the best credit cards for groceries that offer the best rewards and overall consumer value. Our team has evaluated factors like fees, promotional offers, sign-up bonuses, cash back, APRs, and eligibility requirements. 

Best Credit Cards for Groceries in 2024

Blue Cash Preferred Card from American Express

Product Highlights

• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It to split up large purchases into monthly instalments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee of up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred Card. That’s $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision is made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto-renewal) with your Blue Cash Preferred Card. Enrollment required.
• Terms Apply.

Pros & Cons

Pros

• 6% cash back at U.S. supermarkets on up to $6,000 a year spending. 
• Other rewards include 6% cash back on select streaming subscriptions, 3% cash back at U.S. gas stations and transit, and 1% on all other purchases. 
• New cardholders get a $250 statement credit after they spend $3000 in purchases within the first 6 months. 
• 0% intro APR offer

Cons

• Although you can offset the $95 annual fee with cash-back earnings, it still is a big chunk of money for some people. 
• The card’s high-earning U.S. supermarket category does not include wholesale stores like Costco and Walmart. 

Why We Chose Blue Cash Preferred Card from American Express?

It is one of the best credit cards for groceries as it earns the highest cash-back rate in U.S. supermarkets. Although there is a $95 annual fee, you can easily counterbalance that by buying groceries once. Spending $500 per month in U.S. supermarkets will earn you $360 cash back per year, which is enough to cover the annual fee three times over. 

Capital One SavorOne Cash Rewards Credit Card

Product Highlights

• Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), plus 1% on all other purchases
• Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• Earn 8% cash back on Capital One Entertainment purchases
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• No rotating categories or sign-ups are needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
• No foreign transaction fee
• No annual fee

Pros & Cons

Pros

• 3% cash back on groceries
• Other rewards include 3% cash back at restaurants and entertainment, 8% on Capital One Entertainment purchases, 5% on hotels and rental cars booked through Capital One Travel, and 1% on all other purchases.
• $0 annual fee
• Earn a one-time $200 after spending $500 within the first 3 months from account opening. 
• Excellent intro APR offer

Cons

• Its bonus category does not include big stores like Costco and Walmart. 
• If you do not go to restaurants often, you will not be able to maximize this card’s value

Why We Chose Capital One SavorOne Cash Rewards Credit Card?

This is one of the best grocery credit cards for people who like to dine out often. You can earn 3% unlimited cash back on dining, grocery stores, and entertainment. Moreover, it does not charge an annual fee. 

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American Express Gold Card

Product Highlights

• Earn 60,000 Membership Rewards points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totalling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the colour that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.

Pros & Cons

Pros

• 4x points at U.S. supermarkets on up to $25,000 per year in purchases. 
• Other rewards include 4x points at restaurants, 3x on flights booked with American Express Travel, and 1x on all other eligible purchases. 
• The welcome offer is quite lucrative. Earn 60,000 Membership Rewards points after spending $6,000 on eligible purchases within 6 months of account opening. 
• The card offers a bunch of perks that can offset the huge annual fee

Cons

• A steep $250 annual fee
• This card is only suitable for people who spend a lot on groceries and travel. If you do not travel much, this grocery credit card is probably not a good option for you

Why We Chose the American Express Gold Card?

It is one of the best credit cards for groceries and travel as it offers 4x points at U.S. supermarkets and travel expenses. Besides that, you can also take advantage of 4x points by dining at your favourite restaurants with no annual cap. 

Blue Cash Everyday Card from American Express

Product Highlights

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision is made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto-renewal) with your Blue Cash Everyday Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto-renewal) with your enrolled Blue Cash Everyday Card.
• Terms Apply.

Pros & Cons

Pros

• It earns rewards even on everyday expenses and U.S. online retail expenses. This category is hard to find even in some of the best credit cards for groceries.
• It also offers an introductory APR offer on purchases and balance transfers. 
• 3% cash back at U.S. supermarkets on up to $6,000 spending per year, after that 1%. 
• 3% cash back at gas stations and online retail purchases across the USA, 1 % on all other eligible purchases

Cons

• The best bonus category is capped at $6,000 spending per year
• Superstores and wholesale marts like Costco and Walmart are not included in any category

Why We Chose Blue Cash Everyday Card from American Express?

One of the best features of this grocery credit card is the zero-dollar annual fee. It also offers solid rewards in U.S. supermarkets and all online retail purchases. If your top spending areas include groceries, gas, and online shopping, this is the perfect option for you. 

DoorDash Rewards Mastercard

Product Highlights

• With the DoorDash Rewards Mastercard get a FREE year of DashPass ($96 value).
• 4% cash back on DoorDash and Caviar orders. Enjoy this benefit on every type of DoorDash order, including restaurants, groceries, pet supplies, retail items, and more. No earning caps.
• 3% cash back on dining when purchased directly from a restaurant. No earning caps.
• 2% cash back on purchases from grocery stores, online or in person. 1% cash back on all other purchases. No earning caps.
• Get a complimentary DashPass membership ($96 value) every year with $10k in annual card spend. DashPass members enjoy $0 delivery fees & reduced service fees on every eligible order.
• No annual card fee, just cash back on every purchase.
• As an exclusive Cardmember benefit, get 10% off one Convenience, Grocery, Alcohol, Retail or DashMart order every month. Maximum discount of $15 per order. Offer expires 12/31/2024.
• Member FDIC

Pros & Cons

Pros

Cons

The maximum 4% cash back is only available on groceries ordered through DoorDash. 

If you buy your groceries from a local store, the Blue Cash Everyday Card from American Express might be the best cash-back grocery card for you. 

Why We Chose DoorDash Rewards Mastercard?

It is one of the best credit cards for groceries for people who frequently order through DoorDash. Besides the 4% cash back on grocery orders, cardholders can also benefit from the 3% cash back on dining. Moreover, you also get a free one-year membership of DashPass, allowing you to save on your food orders. 

U.S. Bank Shopper Cash Rewards Visa Signature Card

Product Highlights

• 6% Cash Back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose (like Amazon.com, Walmart, Target and more).
• Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
• 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas stations & EV charging stations, or bills and home utilities).
• 1.5% Cash Back on all other eligible purchases.
• 5.5% Cash Back on prepaid car and hotel reservations booked directly in the Rewards Center.

Pros & Cons

Pros

• 6% cash back on up to $1500 a quarter in combined spending from two retailers you can choose. 3% up to 1,500 per quarter in a category you can choose. 1.5% on all other eligible purchases. 
• The 6% category includes stores like Walmart, Target, Amazon, Home Depot, BestBuy, and several other department stores. 
• The 3% category includes wholesale clubs like Costco and Sam’s Club. 

Cons

• There is a $95 annual fee. 
• The reward structure is complex since it requires you to choose from a list of options. 

Why We Chose U.S. Bank Shopper Cash Rewards Visa Signature Card?

What makes this one of the best cash-back cards for groceries is the fact that it includes wholesale department stores like Walmart, Costco, and Best Buy. Moreover, it also offers great rewards and cash back on those retailers. 

Read Also:- 10 Most Premium Credit Cards in the World (With Perks and Benefits)

Citi Double Cash Card

Product Highlights

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Pros & Cons

Pros

• 2% cash back on groceries. 1% at the time of purchase and 1% when you pay it off. 
• Other rewards include 1%+1% for most purchases. Travel purchases made through Citi earn 5%. 
• The card does not have any spending caps
• $0 annual fee

Cons

• Unlike other top credit cards for groceries on this list, this card does not offer any intro APR offer. 
• This card has a 1%+1% structure which can delay your rewards

Why We Chose the Citi Double Cash Card?

The Citi Double Cash Card might not have the best cash-back rate or rewards. But this is one of the best grocery credit cards as it earns a flat rate on all categories and does not require you to track different spending categories. 

Citi Strata Premier Card

Product Highlights

• Earn 70,000 bonus ThankYou Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at the time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Pros & Cons

Pros

• 3 points per dollar spent on supermarkets
• 3 points per dollar spent on gas stations, restaurants, air travel, and most hotels. 10 points per dollar on select travel booked through Citi. 1 point per dollar on all other eligible purchases. 
• 70,000 bonus points for cardholders who spend $4,000 within 3 months of account opening. (1 point=1 cent)

Cons

• Charges an annual fee of $95
• Does not have good domestic airline options to transfer points. 

Why We Chose the Citi Strata Premier Card?

Although it is primarily a travel card, it still pays a high rate on non-travel spending categories like supermarkets. Cardholders can earn 3 points per dollar spent on supermarkets, restaurants, air travel, and gas stations. 

Things to Consider When Choosing a Credit Cards for Groceries

We have listed the best credit card for groceries but everyone has different preferences. It is important to evaluate the options and determine which card might be the most suitable for you. 

Monthly Grocery Expenditure

Some grocery rewards are capped and have limits on the bonus you can earn quarterly or yearly. For instance, the Blue Cash Preferred Card from AMEX offers a 6% reward rate on the first $6,000, then it is 1%. 

This is why it is important to calculate your grocery expenses and choose a card that does not have a cap. Once the bonus wears off, your earnings will be little to none. 

Multiple Credit Cards

While some people use multiple credit cards, some prefer a single card. If you are comfortable with juggling multiple credit cards, you can use one for grocery expenses and switch to another once the bonuses wear off. This can help you maximize your earnings from grocery expenses. 

Annual Fee

Some cards charge an annual fee and some do not. While cards with an annual fee mostly offer competitive rewards and bonuses, it is best to evaluate your options before choosing one. Make sure to look at your spending to determine whether the card provides enough value for the fee it charges. 

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Frequently Asked Questions(FAQs)