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Best Credit Cards for Grocery Shopping

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:

The Best Credit Cards for Grocery Shopping

Here are our top grocery credit cards for 2021:

The Chase Freedom Flex isn’t a grocery credit card necessarily – but for Q1 2022 the card looks set to be one of the most lucrative cash back options on the market today. The Freedom Flex will earn up to 9% cash back from January through March 2022.

How? Chase is offering new accounts 5% back on grocery store purchases (up to $12,000 in the first year for $600 cash back). Additionally, Chase’s Q1 2020 cash back categories are groceries (excluding Target and Walmart) and eBay.

Combining these two offers arrives at the whopping 9% cash back figure (5% for the first 12 months plus the additional 4% over the standard 1% back on grocery store purchases in Q1). That is a heck of a lot of cash back on groceries for a card with no annual fee.

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.

The Amazon Prime Rewards Visa Signature® Card is another great Chase grocery credit card. The card earns up to 5% back at 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.

The Citi Custom Cash 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.


Honorable Mentions

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.


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's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.