Best Credit Cards for Groceries of 2024 (2024)

Personal Finance Credit Cards

Written by Jasmin Baron; edited by Katherine Fan; reviewed by Angela Fung

  • Best Grocery Credit Cards
  • Best for Supermarkets
  • Best for Online Groceries
  • Best for Bonus Categories
  • Best for Maximizing Groceries
  • Best for Cash Back
  • No Annual Fee
  • Best for Whole Foods and Amazon
  • Best Amex Under $100
  • FAQs
  • Why You Should Trust Us

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Citi Strata Premier℠ Card, Citi Custom Cash℠ Card, Amex EveryDay® Preferred Credit Card, U.S. Bank Altitude® Connect Visa Signature® Card. The details for these products have not been reviewed or provided by the issuer.

Best Grocery Credit Cards of 2024

  • American Express® Gold Card: Best for earning points at U.S. supermarkets
  • Chase Sapphire Preferred® Card: Best for online grocery purchases
  • Citi Strata Premier℠ Card : Best for earning bonus points on groceries and lots of other categories
  • Citi Custom Cash℠ Card : Best if groceries are your highest spending category
  • Blue Cash Preferred® Card from American Express: Best credit card for cash back on groceries at U.S. supermarkets
  • Capital One SavorOne Cash Rewards Credit Card: Best for cash back on groceries with no annual fee (rates and fees)
  • Prime Visa: Best for Whole Foods and Amazon
  • Amex EveryDay® Preferred Credit Card : Best for Amex points with a sub-$100 annual fee

Introduction to Grocery Credit Cards

If you spend a lot of money on groceries, using a rewards credit card that offers bonus rewards at the supermarket makes sense to maximize this necessary expense. Fortunately, the best credit cardsoffer bonus points, miles, or cash back at the grocery store — and some even don't charge an annual fee.

These are our top credit card picks for earning the most rewards at grocery stores.

Compare the Top Credit Cards for Groceries

Best for earning points at US supermarkets

American Express® Gold Card

Apply now

On American Express's website

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.3/5

Perks

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Annual Fee

See Rates and Fees

$325

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

60,000 Membership Rewards® points after spending $6,000 on purchases on the card in the first six months of card membership plus 20% back in statement credits on eligible purchases made at restaurants worldwide within the first six months of card membership, up to $100 back (Limited time offer. Offer ends 11/6/24)

Earn 60,000 Membership Rewards® points plus 20% back in statement credits on eligible purchases made at restaurants worldwide, up to $100 back (Limited time offer. Offer ends 11/6/24)

Recommended Credit

Good to Excellent

Pros

  • Great rewards for dining and for shopping at U.S. supermarkets
  • Monthly statement credit for eligible dining purchases recoups some of the annual fee

Cons

  • Underwhelming welcome bonus

Insider’s Take

Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.

Amex Gold Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
  • Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $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.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. 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, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.

Best for online grocery purchases

Chase Sapphire Preferred® Card

Apply now

On Chase's website

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Earn 60,000 bonus points

Recommended Credit

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Good to Excellent

Pros

  • High intro bonus offer starts you off with lots of points
  • Strong travel coverage

Cons

  • Doesn't offer a Global Entry/TSA PreCheck application fee credit

Insider’s Take

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

Sapphire Preferred Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Best for earning bonus points on groceries and lots of other categories

Citi Strata Premier℠ Card

Best Credit Cards for Groceries of 2024 (3)

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.6/5

Perks

Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.24% - 29.24% variable

Intro Offer

75,000 bonus points after spending $4,000 in the first three months of account opening

Earn 75,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • Earn 3x points on most travel, restaurants, gas/EV charging, and supermarkets
  • Earn 10x points on hotels, rental cars, and attractions booked via Citi Travel
  • $100 annual hotel credit on a single stay of $500 or more
  • No foreign transaction fees
  • Trip delay/interruption benefits and lost/damaged baggage coverage

Cons

  • Has an annual fee
  • Citi Travel rates often are higher than retail cost of travel

Citi Strata Premier℠ review External link Arrow An arrow icon, indicating this redirects the user."

Best if groceries is your highest spending category

Citi Custom Cash℠ Card

Best Credit Cards for Groceries of 2024 (4)

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4/5

Perks

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. Earn unlimited 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on balance transfers and purchases for 15 months

Regular APR

19.24% - 29.24% Variable

Intro Offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening

Earn $200 cash back (fulfilled as 20,000 ThankYou® Points)

Recommended Credit

Excellent, Good, Fair

Pros

  • Flexibility to customize rewards by earning 5% cash back on up to $500 per billing cycle in your top spending category (from a list)
  • Generous welcome offer for a no-annual-fee card
  • No rotating bonus categories to sign up for or track
  • Redeem for cash back, travel, gift cards, and more

Cons

  • Only earns 1% back outside of $500 in top spending category each billing cycle
  • Foreign transaction fee of 3%

Insider’s Take

The Citi Custom Cash℠ Card offers a solid welcome bonus and 5% cash back on up to $500 in purchases in your top spending category every billing cycle. There's no annual fee and you won't need to keep track of rotating bonus categories, but keep in mind it only earns 1% back outside of your highest spend category each month.

Citi Custom Cash Card review External link Arrow An arrow icon, indicating this redirects the user."

Best credit card for cash back on groceries at US supermarkets

Blue Cash Preferred® Card from American Express

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

3.5/5

Perks

Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Earn 6% Cash Back on select U.S. streaming subscriptions. Earn 3% Cash Back at U.S. gas stations. Earn 3% Cash Back on transit (including taxis, rideshare, parking, tolls, trains, buses and more). Earn 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Annual Fee

$0 intro for the first year, then $95

Intro APR

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

Regular APR

19.24% - 29.99% Variable

Intro Offer

$250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening

Earn a $250 statement credit

Recommended Credit

Good to Excellent

Pros

  • Generous bonus rewards, especially at U.S. supermarkets
  • One of a small handful of credit cards that offer bonus rewards on select streaming services
  • Intro APR offer

Cons

  • Unlike many other cash-back cards, it charges an annual fee
  • If you spend more than $6,000 at US supermarkets each year, you'll want to use another card once you reach that cap

Insider’s Take

The Amex Blue Cash Preferred is one of the best cash-back cards, particularly for consumers who spend a lot of money at U.S. supermarkets, use streaming services, or have lots of commuting and gas expenses. The annual fee is worth it if your typical spending lines up with the card's bonus categories.

Amex Blue Cash Preferred Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn a $250 statement credit after you spend $3,000 in eligible 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%.
  • 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.
  • 3% Cash Back 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 or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.

Best for cash back on groceries with no annual fee

Capital One SavorOne Cash Rewards Credit Card

Apply now

On Capital One's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.15/5

Perks

Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)

Regular APR

19.99% - 29.99% Variable

Intro Offer

$200 cash back after you spend $500 on purchases within three months from account opening

Earn $200 cash back

Recommended Credit

Good to Excellent

Pros

  • No annual fee
  • Bonus cash back on dining, entertainment, and grocery store purchases
  • Long intro APR period for purchases and balance transfers

Cons

  • Other cards earn more cash back in certain bonus categories
  • Not the highest sign-up bonus among cash-back cards

Insider’s Take

The Capital One SavorOne Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment — plus there's no annual fee to worry about.

SavorOne Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee

Best for Whole Foods and Amazon

Prime Visa

Apply now

On Amazon’s website

Insider’s Rating

4.05/5

Perks

Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership. Earn unlimited 5% back atAmazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel℠ purchases with an eligible Prime membership. Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare). Earn unlimited 1% back on all other purchases.

Annual Fee

$0

Intro APR

N/A

Regular APR

20.49% - 29.24% Variable

Intro Offer

Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members

Earn a $200 Amazon gift card

Recommended Credit

Good to Excellent

Pros

  • 5% cash back at Amazon, Whole Foods, and travel booked through Chase is hard to beat
  • Good travel benefits and purchase protections
  • No annual fee

Cons

  • Must be an Amazon Prime member to qualify
  • Other cards offer higher cash-back rates on non-Amazon purchases

Insider’s Take

The Amazon Prime Visa is a good choice if you're already an Amazon Prime member — and do quite a bit of online shopping. It comes with decent benefits for a no-annual-fee credit card, and its earning rates are exceptional.

Prime Visa review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC

Best for Amex points with a sub-$100 annual fee

Amex EveryDay® Preferred Credit Card

Best Credit Cards for Groceries of 2024 (8)

Insider’s Rating

3.6/5

Perks

Earn 3x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 2x Membership Rewards® Points at U.S. gas stations. Earn 1X Membership Rewards® Points on all other purchases.

Earn 1-3 points per dollar on purchases, plus a 50% bonus for making at least 30 transactions in a billing cycle

Annual Fee

$95

Intro APR

0% intro APR on purchases and balance transfers (made in the first 60 days) for 12 months from the date of account opening

Regular APR

15.99% - 25.99% Variable

Intro Offer

15,000 points after you spend $2,000 on purchases in the first six months of account opening

Earn 15,000 points

Recommended Credit

Excellent

Pros

  • Strong rewards at US supermarkets
  • You can earn a 50% points bonus each billing period when you make at least 30 purchases

Cons

  • Annual cap on earning bonus rewards at US supermarkets
  • Not the best option for earning rewards outside of US supermarkets and US gas stations — especially if you don't make at least 30 purchases per billing statement to earn the bonus

Insider’s Take

The Amex EveryDay® Preferred Credit Card is worth considering if you want to earn valuable Amex Membership Rewards points — especially if you spend a lot on groceries, gas, or travel — without incurring a high annual fee. But you'll need to use the card at least 30 times a month to make it worthwhile.

Amex EveryDay® Preferred Credit Card review External link Arrow An arrow icon, indicating this redirects the user."

Grocery Credit Card Reviews

A good credit card for groceries should earn more than 1% back on supermarket purchases, and should offer other benefits such as purchase protection and additional bonus categories. The ones reviewed here are the best grocery credit cards in 2024, according to Business Insider's team of credit card experts.

Best for Earning Points at U.S. Supermarkets: American Express® Gold Card

Best for earning points at US supermarkets

American Express® Gold Card

Apply now

On American Express's website

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.3/5

Perks

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Annual Fee

See Rates and Fees

$325

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

60,000 Membership Rewards® points after spending $6,000 on purchases on the card in the first six months of card membership plus 20% back in statement credits on eligible purchases made at restaurants worldwide within the first six months of card membership, up to $100 back (Limited time offer. Offer ends 11/6/24)

Earn 60,000 Membership Rewards® points plus 20% back in statement credits on eligible purchases made at restaurants worldwide, up to $100 back (Limited time offer. Offer ends 11/6/24)

Recommended Credit

Good to Excellent

Pros

  • Great rewards for dining and for shopping at U.S. supermarkets
  • Monthly statement credit for eligible dining purchases recoups some of the annual fee

Cons

  • Underwhelming welcome bonus

Insider’s Take

Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.

Amex Gold Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
  • Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $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.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. 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, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.

The American Express® Gold Card is an excellent all-around choice for foodies, offering 4x points on up to $25,000 in combined annual purchases (then 1x) at U.S. supermarkets. It also earns 4x points at restaurants(on up to $50,000 in purchases per calendar year, then 1x), 3x points on airfare booked with the airline or through American Express Travel, 2x points on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1 point per dollar on all other eligible purchases.

In addition, cardholders can enroll to receive up to $120 per year in dining credits (up to $10 per month) with participating restaurants and food delivery services, and up to $120 per year (up to $10 per month) in Uber Cash credits for U.S. purchases (you must have the latest version of the Uber App and your eligible Amex Gold Card must be a method of payment in your Uber account). The card charges a $325 annual fee, but if you take advantage of these credits and other perks, you can more than offset the yearly cost.

Read our Amex Gold Card review for more information on this card.

Best for Online Grocery Purchases: Chase Sapphire Preferred® Card

Best for online grocery purchases

Chase Sapphire Preferred® Card

Apply now

On Chase's website

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Earn 60,000 bonus points

Recommended Credit

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Good to Excellent

Pros

  • High intro bonus offer starts you off with lots of points
  • Strong travel coverage

Cons

  • Doesn't offer a Global Entry/TSA PreCheck application fee credit

Insider’s Take

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

Sapphire Preferred Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

The pandemic shifted consumer grocery shopping habits, with many still preferring to order groceries online for curbside pickup or delivery. As part of a refresh, the Chase Sapphire Preferred® Card now offers 3x points for online grocery purchases.

You'll earn bonus points when you use your card to pay for grocery pickup and delivery orders that are placed online with grocery stores, specialty food stores, meal kit delivery services, or delivery service merchants that classify as grocery store merchants (excluding membership and subscription fees).

Purchases from Target, Walmart, wholesale clubs, liquor stores, and merchants that specialize in only a few grocery items do not qualify. Pharmacy purchases (even from those located in supermarkets), gift cards, gift boxes, and gift baskets aren't eligible, either. Here's a full list of what purchases count in the Chase Sapphire bonus categories.

Read our Chase Sapphire Preferred Card review.

Best for Earning Bonus Points on Groceries and Much More: Citi Strata Premier℠ Card

Best for earning bonus points on groceries and lots of other categories

Citi Strata Premier℠ Card

Best Credit Cards for Groceries of 2024 (11)

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.6/5

Perks

Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.24% - 29.24% variable

Intro Offer

75,000 bonus points after spending $4,000 in the first three months of account opening

Earn 75,000 bonus points

Recommended Credit

Good to Excellent

Pros

  • Earn 3x points on most travel, restaurants, gas/EV charging, and supermarkets
  • Earn 10x points on hotels, rental cars, and attractions booked via Citi Travel
  • $100 annual hotel credit on a single stay of $500 or more
  • No foreign transaction fees
  • Trip delay/interruption benefits and lost/damaged baggage coverage

Cons

  • Has an annual fee
  • Citi Travel rates often are higher than retail cost of travel

Citi Strata Premier℠ review External link Arrow An arrow icon, indicating this redirects the user."

The Citi Strata Premier℠ Card might not be the first card that comes to mind for groceries, but if you're looking for an all-purpose card that earns bonus rewards in lots of categories — including the supermarket — it's an excellent choice.

The card comes with a welcome bonus of 75,000 bonus points after spending $4,000 in the first three months of account opening. Outside of the bonus earning period, you'll earn 3x points at supermarkets, gas stations, restaurants, hotels, and on airfare, and 1 point per dollar on all other eligible purchases. Citi ThankYou points are often underrated, but they're incredibly versatile — you can transfer points to airline and hotel partners, use them to book travel through the Citi ThankYou Travel portal, or redeem them for gift cards, cash back, merchandise, and more.

Read our Citi Premier Card review.

Best if Groceries is Your Highest Spending Category: Citi Custom Cash℠ Card

Best if groceries is your highest spending category

Citi Custom Cash℠ Card

Best Credit Cards for Groceries of 2024 (12)

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4/5

Perks

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. Earn unlimited 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on balance transfers and purchases for 15 months

Regular APR

19.24% - 29.24% Variable

Intro Offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening

Earn $200 cash back (fulfilled as 20,000 ThankYou® Points)

Recommended Credit

Excellent, Good, Fair

Pros

  • Flexibility to customize rewards by earning 5% cash back on up to $500 per billing cycle in your top spending category (from a list)
  • Generous welcome offer for a no-annual-fee card
  • No rotating bonus categories to sign up for or track
  • Redeem for cash back, travel, gift cards, and more

Cons

  • Only earns 1% back outside of $500 in top spending category each billing cycle
  • Foreign transaction fee of 3%

Insider’s Take

The Citi Custom Cash℠ Card offers a solid welcome bonus and 5% cash back on up to $500 in purchases in your top spending category every billing cycle. There's no annual fee and you won't need to keep track of rotating bonus categories, but keep in mind it only earns 1% back outside of your highest spend category each month.

Citi Custom Cash Card review External link Arrow An arrow icon, indicating this redirects the user."

The Citi Custom Cash℠ Card is unique in that it automatically earns 5x points (5% back) in your highest eligible category each billing cycle, on up to $500 in spending (then 1x). Qualifying categories include grocery stores (as well as restaurants, gas stations, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment).

There's no annual fee, and the card offers a solid welcome bonus: $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening. It's a good choice if your spending habits change occasionally, or if you prefer a hands-off approach and don't want to keep tabs on activating or tracking bonus categories.

Read our Citi Custom Cash Card review.

Best Credit Card for Cash Back on Groceries at U.S. Supermarkets: Blue Cash Preferred® Card from American Express

Best credit card for cash back on groceries at US supermarkets

Blue Cash Preferred® Card from American Express

Apply now

On American Express's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

3.5/5

Perks

Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Earn 6% Cash Back on select U.S. streaming subscriptions. Earn 3% Cash Back at U.S. gas stations. Earn 3% Cash Back on transit (including taxis, rideshare, parking, tolls, trains, buses and more). Earn 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Annual Fee

$0 intro for the first year, then $95

Intro APR

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

Regular APR

19.24% - 29.99% Variable

Intro Offer

$250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening

Earn a $250 statement credit

Recommended Credit

Good to Excellent

Pros

  • Generous bonus rewards, especially at U.S. supermarkets
  • One of a small handful of credit cards that offer bonus rewards on select streaming services
  • Intro APR offer

Cons

  • Unlike many other cash-back cards, it charges an annual fee
  • If you spend more than $6,000 at US supermarkets each year, you'll want to use another card once you reach that cap

Insider’s Take

The Amex Blue Cash Preferred is one of the best cash-back cards, particularly for consumers who spend a lot of money at U.S. supermarkets, use streaming services, or have lots of commuting and gas expenses. The annual fee is worth it if your typical spending lines up with the card's bonus categories.

Amex Blue Cash Preferred Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn a $250 statement credit after you spend $3,000 in eligible 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%.
  • 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.
  • 3% Cash Back 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 or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.

If you prefer earning cash back on your grocery spending, the Blue Cash Preferred® Card from American Express is your winner. It earns 6% cash back at U.S. supermarkets on up to $6,000 in purchases each year (then 1%) — so by maximizing this category alone by spending, on average, $500 a month on groceries, you can earn $360 in cash back each year.

The card also offers 6% back on select U.S. streaming services, 3% on transit, 3% at U.S. gas stations, and 1% on all other purchases. There's an annual fee of $0 intro for the first year, then $95, but if you spend a lot in the card's bonus categories, you can make up for the cost easily (cash back is received in the form of Reward Dollars that can be redeemed as statement credits or at Amazon.com checkout).

Read our American Express Blue Cash Preferred review.

Best for Cash Back on Groceries With No Annual Fee: Capital One SavorOne Cash Rewards Credit Card

Best for cash back on groceries with no annual fee

Capital One SavorOne Cash Rewards Credit Card

Apply now

On Capital One's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.15/5

Perks

Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)

Regular APR

19.99% - 29.99% Variable

Intro Offer

$200 cash back after you spend $500 on purchases within three months from account opening

Earn $200 cash back

Recommended Credit

Good to Excellent

Pros

  • No annual fee
  • Bonus cash back on dining, entertainment, and grocery store purchases
  • Long intro APR period for purchases and balance transfers

Cons

  • Other cards earn more cash back in certain bonus categories
  • Not the highest sign-up bonus among cash-back cards

Insider’s Take

The Capital One SavorOne Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment — plus there's no annual fee to worry about.

SavorOne Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee

If you like earning cash back without paying an annual fee, the Capital One SavorOne Cash Rewards Credit Card is an easy choice — especially since there are no caps or geographic restrictions on what you can earn (rates and fees).

Cardholders earn 10% cash back on Uber and Uber Eats purchases through November 14, 2024, an unlimited 5% cash back on hotels and rental cars booked through the Capital One Travel Portal, 3% cash back on groceries (excluding superstores like Walmart and Target), dining, entertainment, and streaming services, and 1% back on everything else.

The card offers a decent welcome bonus: $200 cash back after you spend $500 on purchases within three months from account opening, and it doesn't add foreign transaction fees, so it's a good choice if you're traveling abroad.

Read our Capital One SavorOne Card review.

Best for Whole Foods and Amazon: Prime Visa

Best for Whole Foods and Amazon

Prime Visa

Apply now

On Amazon’s website

Insider’s Rating

4.05/5

Perks

Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership. Earn unlimited 5% back atAmazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel℠ purchases with an eligible Prime membership. Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare). Earn unlimited 1% back on all other purchases.

Annual Fee

$0

Intro APR

N/A

Regular APR

20.49% - 29.24% Variable

Intro Offer

Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members

Earn a $200 Amazon gift card

Recommended Credit

Good to Excellent

Pros

  • 5% cash back at Amazon, Whole Foods, and travel booked through Chase is hard to beat
  • Good travel benefits and purchase protections
  • No annual fee

Cons

  • Must be an Amazon Prime member to qualify
  • Other cards offer higher cash-back rates on non-Amazon purchases

Insider’s Take

The Amazon Prime Visa is a good choice if you're already an Amazon Prime member — and do quite a bit of online shopping. It comes with decent benefits for a no-annual-fee credit card, and its earning rates are exceptional.

Prime Visa review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC

Amazon Prime members can take the sting out of their Whole Foods grocery bill when they use the Amazon Prime Visa. With a Prime membership, cardholders earn 10% back or more on a rotating selection of items and categories on Amazon.com, 5% back on travel booked through Chase Travel℠, Whole Foods, and Amazon purchases (including Amazon Fresh), 2% back at restaurants, gas stations, and local transit and commuting (including rideshare), and 1% back on all other purchases.

If you don't have a Amazon Prime membership, the card earns 3% back instead of 5%. There are no annual fees or foreign transaction fees, so this card is a good pick if you spend a lot at Whole Foods and Amazon. If you shop at other supermarkets, though, you'll likely do better with a card that earns a bonus at all grocery stores.

Read our Amazon Prime Visa Card review.

Best for Amex Points With a Sub-$100 Annual Fee: Amex EveryDay® Preferred Credit Card

Best for Amex points with a sub-$100 annual fee

Amex EveryDay® Preferred Credit Card

Best Credit Cards for Groceries of 2024 (16)

Insider’s Rating

3.6/5

Perks

Earn 3x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 2x Membership Rewards® Points at U.S. gas stations. Earn 1X Membership Rewards® Points on all other purchases.

Earn 1-3 points per dollar on purchases, plus a 50% bonus for making at least 30 transactions in a billing cycle

Annual Fee

$95

Intro APR

0% intro APR on purchases and balance transfers (made in the first 60 days) for 12 months from the date of account opening

Regular APR

15.99% - 25.99% Variable

Intro Offer

15,000 points after you spend $2,000 on purchases in the first six months of account opening

Earn 15,000 points

Recommended Credit

Excellent

Pros

  • Strong rewards at US supermarkets
  • You can earn a 50% points bonus each billing period when you make at least 30 purchases

Cons

  • Annual cap on earning bonus rewards at US supermarkets
  • Not the best option for earning rewards outside of US supermarkets and US gas stations — especially if you don't make at least 30 purchases per billing statement to earn the bonus

Insider’s Take

The Amex EveryDay® Preferred Credit Card is worth considering if you want to earn valuable Amex Membership Rewards points — especially if you spend a lot on groceries, gas, or travel — without incurring a high annual fee. But you'll need to use the card at least 30 times a month to make it worthwhile.

Amex EveryDay® Preferred Credit Card review External link Arrow An arrow icon, indicating this redirects the user."

The Amex EveryDay® Preferred Credit Card earns 3x points at U.S. supermarkets on up to $6,000 in spending per year (then 1x). It also earns 2x points at U.S. gas stations, and 1 point per dollar on all other eligible purchases.

The card has a trick up its sleeve, too. If you make at least 30 purchases on the card in a billing cycle, you'll get a 50% bonus on all the points you've earned, effectively bumping the rate to 4.5x points at U.S. supermarkets (up to spending limits). The Amex EveryDay® Preferred Credit Card also comes with a much more manageable annual fee of $95 compared to that of the Amex Gold Card.

Read our Amex EveryDay Preferred Card review.

Stores that Earn Bonus Rewards on Credit Cards for Groceries

Each bank has a slightly different definition of what counts as a grocery store purchase when it comes to earning bonus rewards. Be aware that most credit card networks do not consider superstores like Walmart or Target, or warehouse clubs like Costco, as part of the grocery category, so you won't earn extra points or cash back on those purchases.

There are other restrictions to keep in mind. For example, American Express only awards bonus points or cash back at "U.S. supermarkets" and not retailers abroad. It defines supermarkets as retailers that offer a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products, and pet supplies. This does not include superstores, convenience stores, warehouse clubs, or meal-kit delivery services.

Meanwhile, Chase's definition includes supermarkets, merchants that offer a full-service grocery line of merchandise including a deli and bakery, and smaller grocery stores. Larger stores that sell a wide variety of goods and groceries, like warehouse clubs, discount stores, drugstores, and merchants that specialize in only a few grocery items aren't included, but delivery service merchants (like Instacart) are included if they classify as a grocery store merchant.

Best Credit Card for Groceries Frequently Asked Questions

Are grocery credit cards worth it?

Opening a credit card specifically for grocery purchases is worth it for those who spend a lot at supermarkets, especially with food prices climbing nowadays. Families with large grocery bills in particular can do quite well by earning rewards for these purchases.

It's an even better deal if you choose a card that also earns bonus rewards in other everyday categories. For example, families that spend a lot on gas and dining out as well as groceries can maximize these expenses with the Citi Strata Premier℠ Card, which earns 3x points at supermarkets, restaurants, and gas stations (as well as air travel and hotels).

What credit score do you need to open a grocery credit card?

Most of the grocery credit cards we recommend require a credit score in the goodtoexcellent range. This means aFICO score of at least 670. However, there are a handful of student credit cards — many of which don't require a credit score — that earn bonus rewards on grocery purchases. For example, the Capital One SavorOne Student Cash Rewards Credit Card earns 3% cash back on groceries (excluding superstores like Walmart and Target), dining, entertainment, and eligible streaming services.

What's the best credit card for cash back on groceries?

Hands down, the Blue Cash Preferred® Card from American Express is the best cash-back grocery credit card if you make your purchases in the US. No other card can match its 6% cash back at U.S. supermarkets on up to $6,000 in purchases each year (then 1%).

However, if you tend to spend more than $6,000 on groceries each year (or have grocery expenses overseas), choosing another cash-back card (or adding a second card) could make sense. In that case, a card like the Capital One SavorOne Cash Rewards Credit Card, which earns an uncapped 3% cash back at the grocery store (excluding superstores like Walmart and Target), would be a solid choice.

What is the best credit card for groceries and gas?

If you regularly spend big on grocery and gas purchases you can apply for a credit card with high rewards rates in both spending categories. You can pick from some of the best cards like the Blue Cash Preferred® Card from American Express, Citi Strata Premier℠ Card,U.S. Bank Altitude® Connect Visa Signature® Card , and the Costco Anywhere Visa® Card by Citi (if you're a Costco member).

Why You Should Trust Us: How We Chose the Best Credit Cards for Groceries

Business Insider's editorial team evaluates all credit cards with financial objectivity. We narrowed down our list of the best credit cards for grocery shopping by evaluating several factors:

  • Ease of use — Does the card have a straightforward rewards program? Are there any restrictions on earning bonus rewards?
  • Earning potential — What bonus do you earn at the supermarket with this card, and are there other bonus categories that reward everyday spending?
  • Annual fee — Some rewards credit cards have no annual fee, but for those that do charge one, are there additional benefits that make it worth it?
  • Cards for various types of consumers — We chose cards to reflect different types of spending, from families looking to earn the most cash back to those who prefer shopping online.

Learn more about how we rate and review credit cards at Business Insider.

Jasmin Baron

Editor

Jasmin Baron was an editor at Insider, responsible for credit card coverage on Business Insider. Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.

Angela Fung

Marketing Compliance Manager

Angela Fung is the Compliance Manager for Business Insider'sPersonal Financedivision, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.

Top Offers From Our Partners

Best Credit Cards for Groceries of 2024 (19)

Chime® Checking Account Set up Direct Deposit and get your paycheck up to 2 days before your coworkers.** No overdraft fees. No monthly fees.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. **Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Best Credit Cards for Groceries of 2024 (20)

Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read preview

Best Credit Cards for Groceries of 2024 (21)

Thanks for signing up!

Access your favorite topics in a personalized feed while you're on the go.

Best Credit Cards for Groceries of 2024 (22)

Best Credit Cards for Groceries of 2024 (2024)

FAQs

Best Credit Cards for Groceries of 2024? ›

The Prime Visa, offered through Chase, rewards users with the highest unlimited cash-back rate of the Amazon branded credit cards Select analyzed. For all purchases made by Prime members at Amazon.com, Amazon Fresh, and Whole Foods, you get a robust 5% cash back. That's one of the key reasons this card was our No.

What credit card gives you 6% back on groceries? ›

Blue Cash Preferred® Card from American Express

What is the best credit card for whole foods? ›

The Prime Visa, offered through Chase, rewards users with the highest unlimited cash-back rate of the Amazon branded credit cards Select analyzed. For all purchases made by Prime members at Amazon.com, Amazon Fresh, and Whole Foods, you get a robust 5% cash back. That's one of the key reasons this card was our No.

Is Amex good for groceries? ›

The card offers best-in-class rewards on groceries

6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.

What is the credit card millionaires use? ›

What credit card do millionaires use? Millionaires use credit cards like the Centurion® Card from American Express, the J.P. Morgan Reserve Credit Card. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting.

How to get 5% cash back on groceries? ›

Citi Custom Cash℠: 5% on your top eligible spending category, including groceries, with no annual fee. The Citi Custom Cash℠ (review) earns 5% cash back on the first $500 of your top eligible spending category each statement cycle. Grocery stores is included in the list of eligible 5% categories.

Is Costco considered a grocery store for credit cards? ›

Costco is not a supermarket. Rewards credit cards that offer bonus rewards in the category of “groceries” or “supermarkets” often exclude wholesale/warehouse clubs like Costco. If you use those cards at Costco, you'll earn the default rewards, typically a lowly 1 cent or 1 point per $1 spent.

What credit card has the highest rating? ›

Best Credit Cards for Excellent Credit of July 2024:
  • The Platinum Card® from American Express: Best overall.
  • American Express® Gold Card: Best for dining.
  • Discover it® Cash Back: Best for category variety.
  • Capital One SavorOne Cash Rewards Credit Card: Best for food and entertainment.

Which credit card is best for all purpose? ›

Best Everyday Spending Credit Cards
  • Citi Strata Premier℠ Card: Best for Earning Flexible Rewards on Everyday Purchases.
  • Discover it® Student Cash Back: Best Student Credit Card for Everyday Purchases.
  • Capital One Venture X Rewards Credit Card: Best for Earning Capital One Miles on Everyday Spending.
3 days ago

Should I buy food with credit card? ›

There are many factors that make up your credit score, and one piece is your payment history. Using a credit card to buy your groceries and then making your monthly payments on time can help you build a strong credit history and show future lenders that you can manage your credit responsibly.

Which grocery stores don t accept Amex? ›

Some of the largest Canadian retailers that don't accept American Express credit cards are Costco and Loblaws companies. This is doubly unfortunate because they issue the American Express Cobalt card, one of the best cards to use at grocery stores with its earn rate of 5 Membership Rewards per dollar.

Which Amex card is best for food? ›

American Express® Gold Card

Receive 20% back as a statement credit on purchases made at restaurants worldwide within the first 12 months of Card Membership, up to $250 back.

Does Trader Joe's count as grocery for Amex? ›

Yes, nearly all major grocery stores take American Express cards. ALDI, Meijer, ShopRite, Trader Joe's, Vons, Whole Foods, and Winn-Dixie are among the large supermarket chains that accept American Express cards.

What is the biggest credit card trap for most people? ›

The minimum payment mindset

Here's how most people get trapped in credit card debt: You use your card for a purchase you can't afford or want to defer payment, and then you make only the minimum payment that month.

What is the #1 credit card to have? ›

The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.

What credit card screams rich? ›

Credit cards that make you look rich are exclusive cards with high credit limits, such as the Centurion® Card from American Express or the J.P. Morgan Reserve Credit Card. Both cards come with great perks like concierge service and travel benefits, and require applicants to have very high incomes and an invite.

Can you get cashback on groceries? ›

Some debit and credit cards offer cash back rewards on purchases, such as groceries. Supermarkets and specific brands may also offer cash back deals and discounts on certain purchases.

Which Amazon card gives 5% back? ›

Prime Visa offers cardmembers with an eligible Prime membership 5% back on purchases made at Amazon.com, Amazon Fresh, and Whole Foods Market.

What credit card gives $5 cash back on Walmart? ›

The credit cards that give 5% cash back at Walmart are the Capital One Walmart Rewards® Mastercard® and the Walmart® Store Card. Both cards offer 5% back at Walmart stores for the first 12 months when you use your card with Walmart Pay, and you can always get 5% back online and using the mobile app.

Does the Amazon Prime card give 5 back at Whole Foods? ›

5% back at Whole Foods Market.

Earn 5% back every time you shop with the Prime Visa Card and an eligible U.S. Prime membership. Cardmembers without an eligible Prime membership earn 3% back on purchases made at our stores.

Top Articles
Big Meech House In Frisco Texas
Emory L. Kemp Papers regarding Industrial History
Vacature Ergotherapeut voor de opname- en behandelafdeling Psychosenzorg Brugge; Vzw gezondheidszorg bermhertigheid jesu
Jobs Hiring Start Tomorrow
Spur H0 » Details Trix H0 Profi Club Modell 2009
Msu Ro
Dr. Nicole Arcy Dvm Married To Husband
Mandy Sacs On BLP Combine And The Vince McMahon Netflix Documentary
Mychart.solutionhealth.org/Mychartprd/Billing/Summary
Partyline Ads for Wednesday, September 11, 2024
Word Jam 1302
1977 Elo Hit Wsj Crossword
PNC Bank Review 2024
Craigslist Free En Dallas Tx
The Center Breakfast, Lunch & Snack Menus September 2024
Craigslist Westchester Cars For Sale By Owner
Amsterdam, Netherlands to PST - Savvy Time
Watch Jujutsu Kaisen 2nd Season English Sub/Dub online Free on HiAnime.to
Bearpaws Tropical Weather
April 7 Final Jeopardy
Xiom Vega X Review & Playtesting • Racket Insight
Food Delivery Near Me Open Now Chinese
Hannah Nichole Kast Twitter
EVOLVE: Predicting User Evolution and Network Dynamics in Social Media Using Fine-Tuned GPT-like Model
Bayada Bucks Catalog 2023
Course schedule | Fall 2022 | Office of the Registrar
King of Battle and Blood
Unveiling AnonIB: The Controversial Online Haven for Explicit Images - The Technology For The Next Generation.
Kleen Krete Concrete Remover 1 Gal Liquid 32110
Record Label Behind The Iconic R&B Sound Crossword
Venezuela: un juez ordena la detención del candidato opositor Edmundo González Urrutia - BBC News Mundo
Enter Cautiously Nyt Crossword
Hotcopper Ixr
Ixl Ld Northeast
Apex Item Store.com
Ohio Licensing Lookup
Seller Feedback
Tyrone Unblocked Games Bitlife
101 Riddles for Adults That Will Test Your Smarts
Directions To Truist Bank Near Me
Danville Va Active Warrant List
Mere Hint Crossword
Aid Office On 59Th Ashland
Rachaelrayshow Com Recipes
Blow Dry Bar Boynton Beach
Russia Ukraine war live: Starmer meets Biden at White House but no decision on Ukraine missiles
Stroom- of gasstoring? | Stedin
Server Jobs Near
On “Trophy,” Kate Davis Leaves the Conservatory Behind
Ericdoa Ethnicity
Horoskopi Koha
Classic Forbidden Romance: 6 Reasons To Watch C-Drama “Love Between Fairy And Devil”
Latest Posts
Article information

Author: Manual Maggio

Last Updated:

Views: 6334

Rating: 4.9 / 5 (49 voted)

Reviews: 80% of readers found this page helpful

Author information

Name: Manual Maggio

Birthday: 1998-01-20

Address: 359 Kelvin Stream, Lake Eldonview, MT 33517-1242

Phone: +577037762465

Job: Product Hospitality Supervisor

Hobby: Gardening, Web surfing, Video gaming, Amateur radio, Flag Football, Reading, Table tennis

Introduction: My name is Manual Maggio, I am a thankful, tender, adventurous, delightful, fantastic, proud, graceful person who loves writing and wants to share my knowledge and understanding with you.