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The Best Credit Cards for Grocery Shopping

Last updated on June 13th, 2022

Groceries are one of the most popular credit card reward categories – and it’s easy to see why. We all eat, meaning we all have to shell out on groceries every week – so why not save money while you stock your cupboards? Here are our top grocery store credit cards:

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Credit Card Picks Summary

amex gold card rose gold

Amex Gold Card

Best for: Maximizing travel rewards

blue cash

Amex Blue Cash Preferred

Best for: Cash Back

amazon_prime_rewards_visa

Amazon Prime Rewards Card

Best for: Whole Foods

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Citi Custom Cash℠ Card

Best for: All-year spend

BoA Customized Cash Card

Best for: Versatility

Citi Custom Cash℠ Card

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Earn 5% Back On Your Top Spending Category
  • 5% cash back on your highest eligible spend category each billing cycle up to the first $500 spent
  • $200 cash back after you spend $750 on purchases in the first 3 months
☆ 5% Categories Include Gas, Streaming, Groceries, Travel, & More!
☆ 0% Intro APR for 15 Months
☆ No Annual Fee

The Citi Custom Cash℠ Card is another great grocery store credit card. The card offers up to 5% back on eligible purchases in the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.

As mentioned, the grocery category is one of the 5% back categories with other options, including dining, fitness, gas stations, home improvement, streaming, and select travel. Remember that the 5% bonus categories are limited to $500 spent every billing period, and any rewards earned after that threshold will be 1% back. All other cards’ purchases earn unlimited 1% cash back, with no caps on that earning.

American Express Gold Card

amex gold card rose gold
Earn a $200 Bonus and Up to 5% Cash Back
  • Unlimited 1.5% cash back on all eligible purchases
  • 0% Intro APR for 15 months
☆ 5% Back on Chase Travel
☆ 3% Back on Dining & Drugstores
☆ No Annual Fee

The Gold Card from American Express differs from the Platinum Card in that it provides value for everyday life – and not just travel. The card earns 4X Membership Rewards on global dining (including takeout and delivery), plus purchases at U.S. supermarkets (up to $25,000 in spending every year). 

Those stats make the card a versatile dining and grocery credit card – made even better thanks to Amex’s statement credits. Gold Cardholders enjoy a $10 statement credit each month ( $120 dining credit each year)  when paying with the Gold Card at Grubhub, Seamless, Boxed, and other participating partners. Enrollment is required to take advantage of this offer. 

Blue Cash Preferred® Card from American Express

blue cash
Earn Up to a $350 Statement Credit
  • 6% back at U.S. supermarkets on up to $6,000/year
  • 6% back on select U.S. streaming servcies
☆ 3% Back at U.S. Gas Stations & Transit
☆ $10 Equinox Credit/Month
☆ $0 Annual Fee for 1st Year ($95 After)

The Blue Cash Preferred® Card from American Express is a grocery juggernaut despite its $95 annual fee (or perhaps because of the fee). The card earns an impressive 6% back at U.S. supermarkets on up to $6,000 per year in purchases, plus 6% back on select streaming services, 3% back on gas and transit, and more. That 6% back on groceries is very impressive – especially given that the card’s closest competitor, the Savor Rewards Card from Capital One, offers just 3% cash back on groceries for a similar annual fee.

For those not looking to pay an annual fee, the Blue Cash Everyday® Card is another option to consider. The Blue Cash Everyday offers 3% cash back on groceries, plus 2% cash back at U.S. gas stations and select U.S. department stores for no yearly charge.

Amazon Prime Rewards Card

amazon_prime_rewards_visa
Get an Amazon Gift Card Upon Approval
  • 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership
  • 2% Back at restaurants, gas stations and drugstores
☆ Get More from Your Prime Membership
☆ No Foreign Transaction Fees
☆ No Annual Fee

The Amazon Prime Rewards Visa Signature® Card is another great Chase grocery credit card. The card earns up to 5% back at Amazon.com and Whole Foods, making it a great option for getting groceries shipped directly to your door via either Whole Foods or Amazon Fresh.

The card requires a Prime membership to maximize rewards. Having Prime, for instance, bumps up the cash back to 5% at Amazon and Whole Foods. No Prime membership means cardholders earn just 3% back at Wholefoods and Amazon – not great, but better than average.

Beyond 5% back with Amazon brands, the Prime Rewards Visa Signature also earns 2% back on restaurants, gas stations, and drugstores. Cardmembers also enjoy no foreign transaction fees and special promotional financing on eligible Amazon purchases.

Bank of America Customized Cash Rewards Credit Card

$200 Cash Rewards Bonus Offer
  • 3% cash back on one of six categories of your choice
  • 2% at grocery stores and wholesale clubs (up to $2,500 in combined spend)
☆ FICO Score Access
☆ 0% APR for 15 Months
☆ No Annual Fee

The Bank of America Customized Cash Card offers the versatility shoppers need to maximize their rewards when hitting the slopes, making home improvements, or stocking up on groceries. The card earns 3% cash back on purchases in your chosen category, with the option to select a new category for future purchases once a month.

Eligible 3% categories with the Customized Cash Rewards Card include travel favorites like gas, dining, and travel, plus online shopping, drug stores, and home improvement stores. Cardholders also earn 2% at grocery stores and wholesale clubs, and 1% cash back on all other purchases – all for no annual fee.

Other Options to Consider

Want some more grocery credit card options to consider? Here are two cards that just missed out on our top spots:
PenFed Platinum Rewards VISA Signature

PenFed Platinum Rewards VISA Signature® Card

The PenFed Platinum Rewards Visa Signature narrowly misses out on the list this year. Why? The card is an excellent gas and grocery rewards credit card that provides 5X points per $1 at gas stations and 3X on groceries. Still, with the limitations on travel for many Americans, it just doesn't match the other cards' flexibility.

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Citi® Double Cash Card

The Citi® Double Cash Card is a cash back credit card that makes buying groceries easy. In fact, it makes everything easy by offering 2% back on all eligible purchases. You'll get 1% back when making the purchases and another 1% back after paying the balance off.

Featured photo by AlbanyColley/ PixaBay

About: Cory
Cory Santos

Cory is BestCards.com's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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