The Best Credit Cards for Grocery Shopping

Advertiser Disclosure

Last updated on August 14th, 2023

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:

This post may contain links from partner offers, and we may receive compensation when you click on links to these offers. Please see our advertiser and editorial disclosures above for more information. Citi is an advertising partner.

At a Glance

The Best Grocery Credit Cards

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
$0 Annual Fee

Citi Custom Cash℠ Card

  • 18.99% – 28.99% (Variable) Regular Purchase APR
  • 18.99% – 28.99% (Variable) Balance Transfer APR
  • 29.99% (Variable) Cash Advance APR
  • 0% for 15 months on Purchases Intro Purchase APR

At a Glance

The Citi Custom Cash? Card is a generous cash back credit card that offers up to 5% back on eligible purchases. The card, from Citi, does not charge an annual fee and rewards 5% back on the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
  • Intro Purchase APR: 0% for 15 months on Purchases
  • Regular Purchase APR: 18.99% – 28.99% (Variable)
  • Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
  • Balance Transfer APR: 18.99% – 28.99% (Variable)
  • Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
  • Cash Advance APR: 29.99% (Variable)
  • Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
  • Penalty APR: Up to 29.99% (Variable)
  • Annual Fee: $0
  • Foreign Transaction Fee: 3%
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You want to earn 5% back but do’t want quarterly categories
  • You plan on spending $1,500 within the first 90 days
  • You have a large purchase in mind that you want to pay down over time
  • You plan on transferring an existing balance within the first four months
  • You don’t want to pay an annual fee

The Citi Custom Cash℠ Card is a 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

American Express® Gold Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
American Express Processing Network
$250 Annual Fee

American Express® Gold Card

  • See Pay Over Time APR Regular Purchase APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

Foodies, rejoice! The American Express® Gold Card grants you the ability to earn 4X Membership Rewards® points at restaurants worldwide and US supermarkets, and 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com. There are also numerous travel perks of note, including statement credits for hotel and airline purchases.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 75,000 Membership Rewards® points after you spend $4,000 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., totaling 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
  • Choose the color that suits your style. Gold or Rose Gold
  • No Foreign Transaction Fees
  • Annual Fee is $250
  • Terms Apply
  • Regular Purchase APR: See Pay Over Time APR
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.99% variable based on the Prime Rate
  • Annual Fee: $250
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You want to earn 4X Membership Rewards® points for global restaurant purchases, including takeout and delivery
  • You also wish to earn 4X Membership Rewards® points on purchases at U.S. supermarkets (up to $25,000 annually)
  • You travel often and can take advantage of 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com
  • You would benefit from statement credits on a variety of travel expenses
American Express® Gold Card

American Express® Gold Card

Rates & Fees

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 Preferred® Card from American Express
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
American Express Processing Network
$0 for the first year. Then $95 Annual Fee

Blue Cash Preferred® Card from American Express

  • 19.24% to 29.99% variable based on creditworthiness the Prime Rate Regular Purchase APR
  • 19.24% to 29.99% variable based on creditworthiness the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 12 months from account opening date Intro Purchase APR

At a Glance

Through the Blue Cash Preferred® Card from American Express, you can earn sizable cash back rewards on purchases in common categories, including 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1%), 3% cash back at U.S. gas stations and select U.S. department stores, and 1% on all other purchases. You can also earn $300 back in the form of a statement credit after you make $3,000 in purchases using your new card in the first six months of the account being open.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn a $300 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 installments. 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 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 and 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
  • Get up to $120 in statement credits annually when you pay for an Equinox+ membership 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 includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
  • Terms Apply.
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 19.24% to 29.99% variable based on creditworthiness the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 19.24% to 29.99% variable based on creditworthiness the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.99% variable based on the Prime Rate
  • Annual Fee: $0 for the first year. Then $95
  • Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You budget for family spending and want a credit card that earns significant cash back
  • You’ll spend a lot of money on groceries to take advantage 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1% after that)
  • You’re excited at the prospect of earning 6% cash back with select streaming services
  • You want to capitalize on your commute with 3% cash back at U.S. gas stations (and select U.S. department stores)
  • You’ll take advantage of 3% cash back on transit (taxis/rideshare, parking and tolls, trains, buses and more), and 1% on all other purchases
  • You’re likely to make $3,000 in purchases within the first six months of the account opening to qualify for a one-time $300 statement credit
  • You cook at home often and commute to work and school regularly, or make use of public transit regularly
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Rates & Fees

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.

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card
Excellent
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent
Visa Processing Network
None Annual Fee

U.S. Bank Cash+® Visa Signature® Card

  • 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 15 months from account opening Intro Purchase APR

At a Glance

The U.S. Bank Cash + Visa Signature Card is an excellent cash back credit card that gives holders the power to decide how they earn their cash back. The card earns 5% back on two select categories you choose, 2% back on one “everyday” category a user selects, and 1% back on all other purchases.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • No Annual Fee
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
  • Terms and conditions apply
  • Intro Purchase APR: 0% for 15 months from account opening
  • Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You want the ability to choose your enhanced cash back categories
  • You like the freedom of switching categories each quarter
  • You don’t want to pay an annual fee
U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

Terms & Conditions

The U.S. Bank Cash + Visa Signature Card is an excellent cash back credit card for everyday use. The card provides lucrative rewards in the form of 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose from the following:

TV, internet, and streaming services Cell phone providers Electronics stores
Fast food Home utilities Furniture stores
Department stores Clothing stores Movie theaters
Ground transportation Fitness centers Sporting goods stores

The card also earns 5% back on prepaid air, hotel, and car reservations booked directly in the U.S. Bank Rewards Travel Center, plus 2% cash back on one everyday category, like gas stations/EV charging stations, groceries or restaurants, and 1% cash back on all other eligible purchases. Cash back redemption options with the U.S. Bank Cash Plus Card are straightforward, with three redemption options from which to choose. Cardholders can receive their cash back as a statement credit, a direct deposit into a U.S. Bank checking, savings, or money market account, or simply use their rewards card to use their rewards.

Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards Credit Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
None Annual Fee

Bank of America® Customized Cash Rewards Credit Card

  • 18.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
  • 18.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
  • 21.24% to 30.24% variable based on the Prime Rate Cash Advance APR
  • 0% for 15 billing cycles from account opening date Intro Purchase APR

At a Glance

The Bank of America® Cash Rewards Credit Card boasts impressively flexible cash rewards on purchases in the category of your choice, on top of cash back for groceries and other everyday purchases. This card also offers an attractive introductory APR for purchases and balance transfers, making it a great all-around rewards card for those with dynamic purchase habits.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 3% cash back on the category of your choice: gas, EV charging, phone, internet, and cable plans, select streaming, online shopping, dining, travel, drug stores, or home improvement
  • Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 1% on all other purchases
  • Introductory 0% APR for the first 15 billing cycles from the date you open your account
  • Free FICO® Score reports updated monthly so you can monitor your credit score
  • Intro Purchase APR: 0% for 15 billing cycles from account opening date
  • Regular Purchase APR: 18.24% to 28.24% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 15 billing cycles on transfers made within 60 days from account opening date
  • Balance Transfer APR: 18.24% to 28.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 21.24% to 30.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater.
  • Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • You want the flexibility to choose your cash back category from month to month
  • You’re looking for a generous rewards credit card with no annual fee
  • You plan to take advantage of the long introductory APR period with a significant purchase or balance transfer
  • You have a Bank of America checking or savings account and qualify for a Preferred Rewards membership
Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards Credit Card

Terms & Conditions

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.

Featured photo by AlbanyColley/ PixaBay

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About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

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