This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.
Groceries are a consistent purchase so getting rewarded for it should be a no-brainer. The best credit cards for groceries help you save—sometimes up to 6%—on every supermarket visit. Additionally, many of them earn rewards on other everyday purchases, such as gas or dining (including takeout and delivery). You might redeem your rewards for cash back, statement credits, travel, gift cards, and more.
Plus, some of these cards have incredible limited-time bonuses that you don’t want to miss. Your grocery purchases will count towards the earning of the bonus as well.
On top of this, some of these credit cards don’t have an annual fee. Let’s take a look at the best grocery credit cards for 2023.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Best Credit Cards for Groceries
- American Express® Gold Card
- Blue Cash Preferred® Card from American Express
- Blue Cash Everyday® Card from American Express
- Citi® Double Cash Card
- Hilton credit cards
- Chase Freedom Unlimited® & Chase Sapphire Preferred® Card Combo
- Instacart Mastercard®
How to Get Cash Back on Groceries in 2023
Although many stores sell groceries, you will only get bonus cash back at supermarkets like Kroger, Safeway, HEB, and Albertsons when your credit card has a specific category bonus for groceries. You can earn cash back on all purchases with a standard cash-back credit card.
You won’t get bonus cash if you buy groceries at discount stores like Walmart and Target or even gas stations. This is because these stores specialize in selling other merchandise and groceries aren’t their primary income stream. Your credit card company can’t distinguish the food items from the clothing and pet supplies you also purchased on the same receipt.
The Best Credit Card for Groceries: American Express Gold Card
The American Express® Gold Card might be a helpful choice if you spend big on supermarket purchases. It earns 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S., and earns 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Plus, earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
The American Express Gold Card also comes with dining perks.
Another perk is the ability to earn up to $10 in statement credits on a monthly basis when you use your Gold Card to pay at the following dining establishments (enrollment is required):
- The Cheesecake Factory
- Milk Bar
- Shake Shack (only at participating locations)
This perk can save you up to $120 annually.
New American Express® Gold Card cardholders can earn 60,000 Membership Rewards points after spending $4,000 on eligible purchases within the first 6 months. Cardholders can choose between Gold or Rose Gold. Terms apply.
The Best Credit Card for Groceries: The Blue Cash Preferred Card from American Express (6% Back)
Blue Cash Preferred® Card from American Express earns 6% back on the first $6,000 spent at U.S. supermarkets annually, then 1% thereafter. You can also earn an unlimited 6% cash back on select U.S. streaming services and 3% cash back at U.S. gas stations and on transit, including taxis/rideshare, parking, tolls, trains, buses, and more. For all other purchase categories, you earn an unlimited 1% back.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Cardholders can also enjoy an entertainment bundle that includes Disney+, Hulu, and ESPN+. Get $7/month back in the form of a statement credit after spending $12.99 or more each month on an eligible subscription with the Blue Cash Preferred Card. Enrollment required.
The welcome bonus is the ability to earn a $250 statement credit after you spend $3,000 in purchases on your new Blue Cash Preferred® Card from American Express within the first 6 months. There is a $0 intro annual fee for the first year, then $95 (See Rates & Fees).
Best Credit Cards for Groceries: Honorable Mentions
Although Blue Cash Preferred has a stellar 6% U.S. supermarket rewards, it might not be the best credit card for groceries option for you. These other recommendations might also fit the bill if you don’t want cash-back rewards or don’t want to pay an annual fee.
The Blue Cash Everyday from American Express
The Blue Cash Everyday® Card from American Express is an alternative to the Blue Cash Preferred. Instead of 6% back, you will get 3% back on the first $6,000 spent annually in U.S. supermarket purchases, then 1% thereafter. By maxing out the 3% bonus, you will get $180 a year in bonus cash.
Cardholders also earn:
- 3% cash back at U.S. gas stations (up to $6,000 per year in purchases, then 1%)
- Plus, 3% cash back on U.S. online retail purchases (up to $6,000 per year in purchases, then 1%)
- 1% cash back on general purchases
Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
The Blue Cash Everyday also comes with the following American Express credit card benefits:
- Roadside assistance
- Extended warranty protection
- 2-day Shoprunner shipping (enrollment required)
The Blue Cash Everyday® Card from American Express welcome bonus is the ability to earn a $200 statement credit after spending $2,000 in purchases on your new Card within the first 6 months.
The annual fee is $0 (See Rates & Fees).
Citi Double Cash Card
The information for the Citi® Double Cash Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
While this cash back card doesn’t specifically earn more cash back for grocery purchases, it does allow you to earn cash back twice on every purchase. With the Citi® Double Cash Card, you can earn up to 2% back 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.
There are no categories to track or annual fees to worry about either.
Related: Citi Double Cash Review
Chase Freedom Unlimited
The information for the Chase Freedom Unlimited® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Chase Freedom Unlimited® is a $0 annual fee credit card that can help you earn more rewards for your purchases.
Cardholders earn unlimited:
- 5% cash back on travel purchased through Chase Ultimate Rewards®
- 3% cash back on dining at restaurants, including takeout and eligible delivery services
- 3% cash back on drugstore purchases
- 1.5% cash back on all other purchases
There is no limit to how much cashback can be earned and no annual fee to worry about with the Chase Freedom Unlimited.
New Chase Freedom Unlimited® cardholders can earn an additional 1.5% cash back on everything they buy (on up to $20,000 spent in the first year) – worth up to $300 cash back! That means new cardholders can enjoy:
- 6.5% cash back on travel purchased through Chase Ultimate Rewards® (Chase’s premier rewards program that lets you redeem rewards for cash back, travel, gift cards, and more)
- 4.5% cash back on drugstore purchases
- 4.5% on dining at restaurants (including takeout and eligible delivery service)
- 3% on all other purchases
New cardholders earn this extra 1.5% cash back on up to $20,000 spent in the first year.
These are great opportunities to earn cash back on every purchase.
Chase Sapphire Preferred Card
The Chase Freedom Unlimited can make an excellent pairing with a Chase Sapphire Preferred® Card travel rewards card. Some people prefer travel rewards to cash rewards.
Alternatively, if you are someone who does a lot of online grocery purchases, you might just stick with the Chase Sapphire Preferred. The Chase Sapphire Preferred earns unlimited:
- 5x points on travel purchased through Chase Ultimate Rewards® (excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit)
- 3x points on dining (including eligible delivery services, takeout, and dining out)
- 3x points on online grocery purchases (excluding Target®, Walmart®, and wholesale clubs)
- Also 3x points on select streaming services
- 2x points on all other travel purchases
- 1x point per $1 spent on all non-bonus purchases
There is a $50 annual Ultimate Rewards Hotel Credit. It comes in the form of a statement credit that will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Ultimate Rewards program, up to an annual maximum accumulation of $50.
Plus, on each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. So, if you spend $25,000 on purchases, you’ll get 2,500 bonus points.
If you own a Chase Sapphire card, you can pool your Freedom points with your Sapphire points to get a travel redemption bonus. You can even transfer them on a 1:1 basis so your points are always worth at least 25% more. Some of the travel partners include Southwest Airlines, United Airlines, Hyatt, and Marriott. Instead of paying regular cash value for your next trip, your grocery trips can help you save.
If award travel isn’t your cup of tea, you can still redeem your Freedom Unlimited purchase rewards for cash back or gift cards (or travel rewards) for 1 cent each.
If you are an Instacart user, the Instacart Mastercard® is worth your consideration. It earns 5% cash back on the Instacart app and Instacart.com purchases. It also earns 5% cash back on travel purchased through the Chase Travel Center, including flights, hotels, and more.
Cardholders earn 2% cash back at restaurants, gas stations, and on select streaming services and 1% cash back on all other purchases.
Rewards come in the form of cash back, travel, or to pay for part of all of their Instacart orders (coming soon). There is a $0 annual fee and $0 foreign transaction fees.
New Instacart Mastercard® cardholders can get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
Hilton Honors Credit Cards
If you regularly stay at Hilton hotels (Hilton, Hampton Inn, etc.) or you enjoy free hotel nights, the Hilton credit cards are the best credit cards for groceries that are also hotel cards. Grocery purchases are an easy way to bank points to earn free nights sooner.
Hilton Honors American Express Card
The Hilton Honors American Express Card earns 5x points on eligible purchases at U.S. supermarkets, U.S. restaurants, and U.S. gas stations. As this is a hotel rewards credit card, you will earn 7x points on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands. All remaining eligible purchases earn 3x points per $1 spent.
New The Hilton Honors American Express Card cardholders can earn 80,000 Hilton Honors Bonus Points after spending $1,000 in purchases on the Card in the first 3 months of Card Membership.
Free Hilton nights start at 5,000 points per night, and you can get the 5th night free when you pay for your first four nights with points. You can calculate your current credit card spending to quickly see how many reward nights you can earn each year.
This recommendation is a great option if you want a secondary credit card. There are no foreign transaction fees or annual fees to worry about either (See Rates & Fees).
Hilton Honors American Express Surpass Card
When you spend at least $15,000 annually in total card purchases, the Hilton Honors American Express Surpass® Card is the better option. The reason why is that you get a Free Night Reward valid at virtually any Hilton Portfolio property. This free night is in addition to any free nights you can claim with your points balance.
You’ll earn 6x points for each $1 spent on eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Cardholders also earn 12x points for each dollar spent on eligible purchases charged directly with a hotel or resort within the Hilton portfolio. All other eligible purchases earn 3x points per $1 spent.
This card comes with a few other Hilton Honors perks including:
- Free continental breakfast
- Space-available room upgrades
- Milestone bonuses
- Terms apply
If you also fly on a regular basis, you also get 10 free Priority Pass Select airport lounge passes to relax away from the general terminal.
The Hilton Honors American Express Surpass® Card cardholders can earn 130,000 Hilton Honors Bonus Points after spending $2,000 in purchases on the Card in the first 3 months of Card Membership.
The annual fee is $95 (See Rates & Fees).
Aeroplan Credit Card
You may be surprised to find a co-brand airline credit card on this list. The Aeroplan® Credit Card is a co-brand Air Canada card with Chase. This card earns:
- 3x points on grocery stores
- 3x points on dining at restaurants
- and 3x points on purchases made directly with Air Canada
All other purchases earn 1x point per $1 spent.
Additionally, cardholders can earn an additional 500 bonus points for every $2,000 spent in a calendar month (up to 1,500 points per month).
Along with a free first checked bag, this card also comes with a 24/7 concierge. Additionally, cardholders can get a fee credit for Global Entry or TSA PreCheck®, or NEXUS.
New Aeroplan® Credit Card cardholders can earn up to 100,000 bonus points! First, earn 75,000 points after spending $4,000 on purchases in the first 3 months of account opening. Then, earn an extra 25,000 points after spending $20,000 on purchases in the first 12 months.
The annual fee is $95, and there are no foreign transaction fees.
Related: Aeroplan Credit Card Review
Capital One SavorOne Cash Rewards Credit Card
The Capital One SavorOne Cash Rewards Credit Card earns an unlimited:
- 10% Cash Back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- 8% Cash Back on Capital One Entertainment purchases
- 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% Cash Back on dining and at grocery stores (excluding superstores like Walmart® and Target®)
- 3% Cash Back on popular streaming services and entertainment
- 1% Cash Back on all other purchases
It’s one of the best Capital One credit card options for earning cash back.
There is a $0 annual fee and no foreign transaction fee.
New Capital One SavorOne Cash Rewards Credit Card cardholders can earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.
Learn more: Cash Back Credit Cards
Bonus: Capital One Venture Rewards Credit Card
Another Capital One option you might consider is the Capital One Venture Rewards Credit Card. This card earns 2x miles per $1 on all purchases. So whether you’re buying groceries, shoes, gas, streaming services, etc., you’ll earn rewards.
However, if you are wanting to earn a few more miles on travel, the good news—earn 5x miles on hotels and rental cars booked through Capital One Travel.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel, with the Capital One Venture Rewards Credit Card.
The Best Credit Cards For Groceries: Other Stores
As mentioned earlier, you will only get bonus cash back at supermarkets when your credit card has a specific category bonus for groceries. You won’t get bonus cash if you buy groceries at stores like Walmart and Target. But, depending on your spending habits, the cards below might be a better option.
Prime Visa: Whole Foods and Amazon Fresh
The Prime Visa can be your best option for Amazon and Whole Foods purchases. But you must be an Amazon Prime member to qualify for this card, otherwise, you’ll want the Amazon Rewards Visa Signature Card. Prime members get 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases with an eligible Prime membership (3% back for non-Prime members). Gas stations, restaurants, and on local transit and commuting (including rideshare) get 2% back. Everything else earns 1% back.
You can redeem your rewards at Amazon.com as soon as the next day. Member FDIC.
Get a $100 (or more) Amazon Gift Card instantly upon approval with the Prime Visa exclusively for Prime members.
Canceling your Prime membership downgrades you to the basic card. This is one of the best credit cards for Amazon purchases.
Costco Anywhere Visa Card by Citi
The information for the Costco Anywhere Visa® Card by Citi has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
If you’re a frequent Costco shopper, consider the Costco Anywhere Visa® Card by Citi. Cardholders earn 2% cash back on all purchases from Costco and Costco.com. Cardholders also get 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter), 3% cash back on restaurants and eligible travel purchases, and 1% cash back on all other purchases.
There is no annual fee or foreign transaction fees with your paid Costco membership. Cardholders receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico. There is also the Costco Anywhere Visa® Business Card by Citi for business owners.
The information for the Target RedCard has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Target RedCard™ can be your best card for shopping at Target. Cardholders earn 5% back on in-store and online Target purchases, Shipt same-day delivery services, in-store Starbucks locations, and specialty gift cards.
You get 10% off on your card anniversary and an extra 30-day return window on Target purchases. However, you may still want to use another card for your purchases at other merchants.
This card doesn’t have an annual fee.
Capital One Walmart Rewards Card
The information for the Capital One® Walmart Rewards™ Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Superstores like Walmart don’t qualify for the grocery store bonus category. The Capital One® Walmart Rewards™ Card solves that problem as you find all the ingredients you need for eating at home.
Cardholders get 5% back at Walmart.com (including grocery pickup and delivery), 2% back on restaurants and travel, 2% back on in-store Walmart purchases at Murphy USA gas stations, and 1% back on everything else. You can redeem your points for cash rewards, travel rewards, gift cards, and statement credits.
This card doesn’t have an annual fee.
Bank of America Customized Cash Rewards Credit Card
The Bank of America® Customized Cash Rewards credit card awards 3% back on one category choice (Dining, online shopping, gas, travel, drug store, or home furnishings), 2% back at grocery stores and wholesale clubs, and 1% back on everything else. You get 3% and 2% back on the first $2,500 in combined spending each quarter (then 1% back).
It’s possible to earn between 25% and 75% more points if you’re a Preferred Rewards member. That means 2% at grocery stores and wholesale clubs could go up to 3.5%, for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. There is no annual fee.
In conclusion, you can see that there are plenty of options when it comes to the best credit cards for groceries and supermarket purchases. You might not think about getting bonus points on grocery purchases because it’s a “boring” purchase. However, there are several rewards credit cards that make the trip down the grocery aisle highly rewarding. Just like you can earn rewards points at any grocery store, you can also enjoy cash back or free travel as a reward too.
Learn more: Cash Back Credit Cards
- Best Gas Credit Cards
- The Best Credit Cards for Online Shopping
- Easiest Travel Credit Cards to Apply For
For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
And For rates and fees of the Hilton Honors American Express Card, please click here.
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
For rates and fees of The American Express® Gold Card, please click here.