Best Credit Cards for Groceries

Want the best credit card for grocery shopping? You’re not alone. Groceries are one of the biggest monthly expenses for most households, and if you’re not using the best grocery store credit card, you’re leaving money on the checkout belt. These cards turn your bread, eggs, and oat milk into points, cashback, and perks you actually want. Let’s break down some of the smartest options out there.

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Groceries aren’t getting cheaper. MoneyLion helps you fight back by finding the right credit card to turn every checkout into cash back.

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10 Best credit cards for groceries

Looking for the best credit card for groceries? You’ve got options. From generous cashback to flexible rewards and beginner-friendly picks, these 10 cards offer serious value every time you hit the checkout line. Let’s break down the top contenders.

1. Best for high rewards rate: Blue Cash Preferred® Card from American Express

U.S. supermarkets (up to $6,000 per year, then 1%). It also dishes out 6% on select U.S. streaming subscriptions and 3% at U.S. gas stations and on transit. Just watch out for the $95 annual fee after the first year.​ Not too shabby. 

Credit score needed: Good to Excellent (690–850)	Purchases intro APR:0% for 12 months
Intro bonus:$250 statement credit after spending $3,000 in the first 6 months	Cash advance fee:5% (min $10)
Annual fee:$0 intro for the first year, then $95	Balance transfer fee:3% (min $5)
Regular APR:20.24%–29.24% variable	Foreign transaction fee:2.7%​

2. Great for dining and groceries: Capital One SavorOne Cash Rewards Credit Card

Earn unlimited 3% cash back on dining, entertainment services, and at grocery stores (excluding superstores like Walmart® and Target). Perfect for foodies who love to dine in and out.​

Credit score needed: Good to Excellent (690–850)	Purchases intro APR:0% for 15 months
Intro bonus:$200 cash bonus after spending $500 in the first 3 months	Cash advance fee:3% of the amount of the cash advance, but not less than $10
Annual fee:$0	Balance transfer fee:3%
Regular APR:19.24%–29.24% variable	Foreign transaction fee:None

3. Great for wholesale shoppers: U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Tailor your rewards with 6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose (including grocery stores), and 3% back on your first $1,500 in eligible purchases each quarter in one everyday category.

Credit score needed: Good to Excellent (690–850)	Purchases intro APR:0% for 15 billing cycles
Intro bonus:$250 after spending $2,000 in the first 120 days	Cash advance fee:5% (min $10)
Annual fee:$0 intro for the first year, then $95	Balance transfer fee:3% (min $5)
Regular APR:19.24%–29.24% variable	Foreign transaction fee:2%–3%

4. Great for beginners or low credit: Capital One QuicksilverOne Cash Rewards Credit Card

New to credit or still rebuilding? The Quicksilver One is a solid starter option. It offers unlimited 1.5% cash back on every purchase, including groceries, with no rotating categories or hoops to jump through. It’s not grocery-specific, but it’s one of the few cards that offers consistent rewards to folks with average credit.

Credit score needed: Credit score needed: Fair to Good (580–669)	Purchases intro APR:None
Intro bonus:None	Cash advance fee:5% (min $5)
Annual fee:$39	Balance transfer fee:3%
Regular APR:30.74% variable	Foreign transaction fee:None

🟡 Heads up: There’s an annual fee and no sign-up bonus, but it’s still a rare option that earns real rewards while helping you build credit.

5. Great for flexible spending: Citi Custom Cash® Card

This card automatically gives you 5% cash back on your top eligible spending category each billing cycle, up to $500 spent, then 1%. If groceries are your main expense, you’ll reap the rewards without lifting a finger.

Credit score needed: Good to Excellent (690–850)	Purchases intro APR:0% for 15 months
Intro bonus:$200 cash back after spending $1,500 in the first 6 months	Cash advance fee:5% (min $10)
Annual fee:$0	Balance transfer fee:5% (min $5)
Regular APR:19.24%–29.24% variable	Foreign transaction fee:3%

6. Great for Amazon and Whole Foods: Prime Visa

If you’re an Amazon Prime member, this card offers 5% back on Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations, and drugstores, and 1% back on everything else. It’s basically a cashback machine for Prime fans who shop like it’s a competitive sport.

Credit score needed: Good to Excellent (690–850)	Purchases intro APR:None
Intro bonus:$100 Amazon Gift Card instantly upon approval.	Cash advance fee:5% (min $10)
Annual fee:$0 (Amazon Prime membership required)	Balance transfer fee:5% (min $5)
Regular APR:19.24%–27.24% variable	Foreign transaction fee:None

7. Great for no annual fee: Blue Cash Everyday® Card from American Express

For those who prefer to keep it simple, this card offers 3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases (up to $6,000 per year in each category, then 1%). No annual fee means more savings for your snack stash.​

Credit score needed: Good to Excellent (690–850)	Purchases intro APR:0% for 15 months
Intro bonus: $200 statement credit after spending $2,000 in the first 6 months	Cash advance fee:5% (min $10)
Annual fee:$0	Balance transfer fee:3% (min $5)
Regular APR:20.24%–29.24% variable	Foreign transaction fee:2.7%

8. Great for Instacart delivery rewards: Instacart Mastercard® from Chase

If Instacart is your go-to for stocking the fridge, this card offers 5% back on Instacart purchases (including groceries), 5% on Chase Travel, 2% on dining and select streaming services, and 1% on all other purchases. Plus, it includes a free year of Instacart+.

Credit score needed: Good to Excellent (690–850)	Purchases intro APR:None
Intro bonus:$100 Instacart credit + free year of Instacart+ after first purchase	Cash advance fee:5% (min $10)
Annual fee:$0	Balance transfer fee:5% (min $5)
Regular APR:20.49%–29.24% variable	Foreign transaction fee:None

9. Great for travel rewards: American Express® Gold Card

This card offers 4x Membership Rewards points at supermarkets and restaurants, including takeout and delivery, and 4x points at U.S. supermarkets (on up to $25,000 per year, then 1x points). Ideal for foodies who love to travel.

Credit score needed: Good to Excellent (690–850)	Purchases intro APR:None
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10. Great for budget grocery shoppers: Bank of America® Customized Cash Rewards Credit Card

This card gives you 3% back in a category of your choice (including online shopping, dining, gas, travel, drug stores, or home improvement) and 2% back at grocery stores and wholesale clubs on the first $2,500 in combined 3% and 2% category purchases each quarter. It’s perfect for people who want decent grocery rewards and control.

Credit score needed: Good to Excellent (690–850)	Purchases intro APR:0% for 15 billing cycles
Intro bonus:200 online cash rewards bonus after spending $1,000 in the first 90 days	Cash advance fee:5% (min $10)
Annual fee:$0	Balance transfer fee:3% (min $10)
Regular APR:18.24%–28.24% variable	Foreign transaction fee:3%

How do credit cards for groceries work?

Grocery credit cards give you extra rewards or cashback when you shop at qualifying grocery stores. You swipe like normal, but with the best credit cards for groceries, you earn way more than just the food.

• Store credit cards: These are cards issued by a specific store (like Target or Kroger). They usually offer rewards or discounts, but only at that store.
  
• Co-branded rewards cards: These cards are backed by a retailer and a bank (like Amazon + Chase). They offer bonus rewards at the retailer and sometimes at similar stores.
  
• Bonus category rewards cards: These cards give higher cash back in rotating or custom categories, often including groceries, which can help maximize your everyday spend.

Should you get a credit card for groceries?

If groceries eat up a chunk of your monthly budget, the answer’s probably yes. But here’s how to know for sure:

• You spend a lot on groceries: If your weekly supermarket run feels like a second rent payment, a card that gives 4–6% back on groceries can make a serious dent.
  
• You shop at specific stores: Some cards offer higher rewards at places like Whole Foods or Instacart. Perfect if you’re loyal to a brand or delivery service.
  
• You want to maximize rewards: Pairing a grocery card with one for dining, gas, or travel can turn your everyday spending into serious savings or travel points.

Pros and cons of getting a grocery credit card

Let’s keep it real: these cards come with perks and fine print.

Pros	Cons
✅ Earn cash back or points on your biggest monthly expense	❎ Rewards often capped (e.g., $6,000/year at grocery stores)
✅ Many cards have no annual fee	❎ Some exclude superstores like Walmart or Target
✅ Great intro bonuses and 0% APR offers	❎ High APRs if you carry a balance

Don’t Sleep on Grocery Rewards

Grocery rewards cards aren’t just for coupon clippers. They’re for anyone who wants to get something back for the money they’re already spending. Whether you shop online, love a Trader Joe’s run, or Instacart your way through the week, there’s a credit card that’ll make your pantry pay you back.

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