May 27, 2025: If you’re like most people, grocery purchases represent a large portion of your monthly budget. Using one of the best cards for groceries, you can get more rewards on your weekly grocery purchases.
The best credit cards for groceries
Here are the best credit cards for groceries. For more on each of these cards, including rewards, benefits and welcome bonuses, scroll down past this list.
 AAA Daily Advantage Visa Signature® Credit Card Annual fee: $0 | Best no-annual-fee card for groceries at traditional grocery stores. Best card for groceries at warehouse clubs (Costco, Sam’s Club, BJ’s). 5% cash back on grocery store purchases and 3% cash back at warehouse clubs until you earn $500 in a year across all of the card’s bonus categories, then 1% The cap on bonus rewards represents $10,000 of annual grocery store spending or about $16,700 of warehouse club spending, or some combination thereof. |
 Blue Cash Preferred® Card from American Express Annual fee: $0 intro annual fee for the first year, then $95. | Highest rate of cash back at U.S. supermarkets. 6% cash back on groceries at U.S. supermarkets on up to $6,000 in purchases each calendar year, then 1%. The card also offers excellent consumer insurance benefits; bonus cash back on streaming, transit, and gas at U.S. gas stations; and a monthly credit for Disney+. |
 Citi Custom Cash® Card Annual fee: $0 | Most flexible 5% grocery card. 5% cash back on the first $500 you spend each statement cycle in your top eligible category, including groceries. Can be highly useful to augment your other cards if you’re hitting rewards caps. |
 Capital One Savor Cash Rewards Credit Card Annual fee: $0 | Highest uncapped 3% cash back on groceries. Unlimited 3% cash back at grocery stores. Cash back can be converted to Capital One Venture miles if you also hold a card that earns Capital One miles. |
 Chase Sapphire Preferred® Card Annual fee: $95 | Best for online grocery store purchases. 3x Ultimate Rewards® points on online grocery purchases (excluding Walmart, Target, and wholesale clubs.) The points you earn can be redeemed for cash back at 1 cent per point (equivalent to 3% cash back on groceries) or redeemed for greater value through Chase Travel℠ or transfer partners. |
 Target Circle™ Mastercard Annual fee: $0 | Best for groceries at Target. 5% instant discount on most purchases at Target. While this card is a great choice to use for groceries at Target, we’d recommend using another card that offers an extended warranty for purchases of things like electronics. |
 U.S. Bank Shopper Cash Rewards® Visa Signature® Card Annual fee: $0 intro annual fee for the first year ($95/year thereafter) | Best for groceries at Walmart. 6% cash back on two retailers you choose, in up to $1,500 in combined eligible purchases each quarter. Eligible retailers include Walmart. Can also be a good choice for Target, since that is also included on the list of eligible retailers. |
 Prime Visa Annual fee: $0 | Best for Groceries at Whole Foods and Amazon Fresh. 5% cash back at Amazon.com, Amazon Fresh, and Whole Foods Market. If you buy your groceries primely at Amazon Fresh or Whole Foods, there’s a pretty good chance that you have Amazon Prime. If you do, this card is an easy choice. Requires an Amazon Prime membership. |
 Amazon Visa Annual fee: $0 | Best for Groceries at Whole Foods and Amazon Fresh without Prime. 3% cash back at Amazon.com, Amazon Fresh, and Whole Foods Market. If you don’t have an Amazon Prime membership, but you buy your groceries at Amazon Fresh or Whole Foods, this is the card you can get. |
How we picked: What matters for grocery store purchases?
In general, the amount of cash back or transferable rewards is the only thing that matters for your grocery store purchases. You won’t be using benefits like an extended warranty, purchase protection, or return protection on bananas and bread—so most benefits other than cash back really don’t matter.
Now, there are admittedly a large number of cards on this list. That’s because not every grocery credit card gets increased rewards at every place where you might buy groceries. Consider where you buy groceries before selecting a card and make sure that the grocery credit card you pick earns bonus rewards where you actually buy your groceries.
Should you get a grocery store credit card?
The short answer is: Almost certainly yes. Since grocery store purchases represent a large chunk of most families’ budgets, we think that getting a grocery credit card makes sense for most people.
With several good options for earning 5-6% cash back on your groceries, adding a grocery card to your wallet can give you an additional $300 cash back every year, on top of the $200 you’d earn with a 2% cash back card assuming you spend $10,000 on groceries over the course of the year.
More on the best cards for groceries
Want to learn more about the rewards, benefits, and welcome offers on the cards on our list? We’ve summarized the most important details about each card below.
AAA Daily Advantage Visa Signature® Credit Card
Annual fee: $0
Foreign transaction fee: 0%
All information about the AAA Daily Advantage Visa Signature® Credit Card has been collected independently by cardsandpoints.com.
The AAA Daily Advantage Visa Signature® Credit Card doesn’t get talked about much, but it offers strong cash back rewards in several useful categories, including grocery stores, gas, wholesale clubs, streaming services, and pharmacies.
Sign-up bonus
Receive a $100 statement credit after you spend $1,000 on your card in the first 90 days of account opening. Learn how to apply.
Rewards
After earning $500 cash back in the following categories in a calendar year, you will earn 1% cash back in these categories for the remainder of the calendar year:
- 5% on grocery store purchases.
- 3% at gas stations.
- 3% at wholesale clubs.
These categories are not subject to reward caps:
- 3% on electric vehicle charging.
- 3% on pharmacy purchases.
- 3% on AAA purchases.
- 1% on other purchases.
Rewards are earned as cash back.
Benefits
The AAA Daily Advantage Visa Signature® Credit Card does not have any benefits of note.
Blue Cash Preferred® Card from American Express
Annual fee: $0 intro annual fee for the first year, then $95.
Foreign transaction fee: 2.7% of each transaction after conversion to US dollars.
(See rates and fees. )
The Blue Cash Preferred® Card from American Express offers market-leading rewards on groceries at U.S. supermarkets, plus great rewards in other categories.
Welcome offer
Best public welcome offer: Earn $250 Back after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
Learn how to apply.
This bonus is earned as a statement credit.
Amex has sometimes shown a larger, targeted offer to some people through some channels. If you’re interested in hunting down a better offer on this card, see our coverage of the best Blue Cash Preferred welcome offers.
Rewards
- 6% on groceries at U.S. supermarkets.
on up to $6,000 per year of purchases, then 1%. - 6% on select U.S. streaming subscriptions.
- 3% on gas at U.S. gas stations.
- 3% on transit, including taxis, rideshare, parking, tolls, trains, busses, and more.
- 1% on other purchases.
Rewards are earned as cash back reward dollars that can be redeemed as a statement credit.
Benefits
Consumer insurance benefits
- Purchase Protection. Covers eligible purchases against theft or accidental damage up to $1,000 per covered purchase and up to $50,000 per account per calendar year. Exclusions and terms apply.
- Return Protection. Covers eligible purchases up to $300 per item and $1,000 per account per calendar year if the seller of an item won’t take it back within 90 days from the date of purchase. Purchases must be made in the U.S. or its territories. Terms and restrictions apply.
- Extended Warranty. Provides up to one year of coverage equivalent to the manufacturer’s original warranty on eligible items with warranties of 5 years or less. Coverage limited to $10,000 per item and $50,000 per account per calendar year. Terms and restrictions apply.
Travel insurance benefits
- Car rental loss and damage insurance.
- Global assist hotline.
Partner benefits and statement credits
- Disney Plus Credit. Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing U.S. subscription to the Disney Bundle. Enrollment required.
- Amex Offers. Receive statement credits or extra rewards with targeted offers from select merchants. Enrollment required.
Citi Custom Cash® Card
Annual fee: $0
All information about the Citi Custom Cash℠ Card has been collected independently by cardsandpoints.com.
The Citi Custom Cash® Card offers 5% rewards on up to $500 spent in your highest eligible category each statement cycle.
Welcome offer
Best sign-up bonus: Earn $200 in 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.
Learn how to apply.
This bonus is marketed as cash back, but earned as ThankYou® Points.
Rewards
- 5% cash back on your top eligible spend category each billing cycle on up to $500 spent.
- 5% on hotels, car rentals, and attractions booked on the Citi Travel℠ portal through 6/30/2025.
- 1% cash back on all other purchases.
Rewards are marketed as cash back, but earned as Citi ThankYou® points.
5% eligible categories
5% eligible categories include:
- Restaurants
- Gas stations
- Grocery stores
- Select travel
- Select transit
- Select streaming services
- Drugstores
- Home improvement stores
- Fitness clubs
- Live entertainment
Benefits
- Extended warranty
Capital One Savor Cash Rewards Credit Card
Annual fee: $0
Foreign transaction fee: None
The Capital One Savor Cash Rewards Credit Card offers uncapped 3% cash back rewards in several compelling categories and pairs well with Capital One’s cards that offer transferable points, since you can move your rewards between cards.
Sign-up bonus
Best sign-up bonus: As a one-time bonus once you spend $500 within 3 months of account opening.
Learn how to apply.
This bonus is earned as a one-time cash bonus.
Rewards
- 8% on Capital One Entertainment purchases.
- 5% on hotels and rental cars booked through Capital One Travel.
- 3% at grocery stores.
- 3% on dining.
- 3% on entertainment.
- 3% on popular streaming services.
- 1% on all other purchases.
Rewards are earned as cash back, but can be transferred to your other cards that earn Capital One Venture miles.
Benefits
Consumer benefits
- Extended Warranty.
Travel benefits
- Travel Accident Insurance.
Chase Sapphire Preferred® Card
Annual fee: $95
Foreign transaction fee: None
The Chase Sapphire Preferred® Card offers excellent travel insurance protections, additional points on travel and two lucrative point redemption options: Booking travel through Chase Travel℠ and getting 25% more value; and point transfers to loyalty program partners.
Sign-up bonus
Best offer online: Earn 60,000 bonus points after $5,000 in purchases in your first 3 months from account opening.
Learn how to apply.
This bonus is earned as Chase Ultimate Rewards® points.
Additional sign-up bonus in-branch: As of January 13, 2025, Chase is offering an exclusive in-branch offer. You can earn 70,000 bonus points after you spend $5,000 in purchases in the first 3 months from account opening. This offer is only available in-branch from a Chase banker.
Chase frequently offers a slightly larger bonus in-branch. See our coverage of the best Chase Sapphire Preferred bonuses for more on that. We always tell you about the best offer we know about.
Rewards
- 5x on travel purchased through Chase Travel℠,
excluding hotel purchases that qualify for the $50 annual Chase Travel hotel credit. - 5x on Peloton equipment and accessory purchases over $150,
with a maximum of 25,000 total points through March 31, 2025. - 3x on dining, including eligible takeout and delivery services.
- 3x on online grocery purchases,
excluding Target, Walmart, and wholesale clubs. - 3x points on select streaming services.
- 2x on other travel purchases.
- 1x on other purchases.
Rewards are earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
- Purchase protection. Offers coverage for up to 120 days against damage or theft of new purchases for up to $500 per claim and $50,000 per account.
- Extended warranty protection. Adds one year of coverage to U.S. manufacturer’s warranties of 3 years or less.
Travel insurance benefits
- Trip cancellation/interruption insurance. Covers non-refundable pre-paid travel expenses, including passenger fares, tours, and hotels if your trip is canceled or cut short by sickness, severe weather, or other covered situations. Coverage is included up to $10,000 per person and $20,000 per trip.
- Auto rental collision damage waiver. Provides primary rental car coverage against collision and theft for most rental cars in the U.S. and abroad when you decline the rental company’s collision damage waiver insurance and use your card to rent your car.
- Baggage delay insurance. Offers reimbursement for essential purchases like toiletries and clothing when your baggage is delayed by more than 6 hours. Coverage is provided up to $100 a day for 5 days.
- Trip delay reimbursement. Covers essential expenses, such as meals and lodging if your travel by common carrier is delayed by 12 hours or more or requires an overnight stay. Coverage is provided up to $500 per ticket.
- Lost luggage reimbursement. If your luggage is lost while traveling by common carrier, this benefit can reimburse you up to $3,000 per covered person, per trip to replace your lost luggage.
- Travel accident insurance. This insurance pays a fixed amount for certain losses of life and limb when you charge your airfare to your card.
- Travel and emergency assistance services. This service can provide referrals to a variety of medical, legal, and travel emergency services when traveling abroad. You are responsible for the costs of any services provided.
Partner benefits and statement credits
- DoorDash DashPass Subscription, plus $10 monthly discount. Receive complimentary access to DashPass—a membership for both DoorDash and Caviar—for at least one year when you activate by December 31, 2027. DoorDash members get up to $10 off a month on non-restaurant orders.
- $50 Chase Travel℠ annual credit. Earn up to $50 in statement credits each account anniversary year for hotels stays purchased through Chase Travel.
Rewards benefits
- More value for points when redeemed through Chase Travel℠. Get 25% more value when your points are redeemed for travel through Chase Travel.
- 10% anniversary bonus. Get bonus points equal to 10% of your total purchases in the previous account anniversary year on your account anniversary. For example, if you made $25,000 of purchases on your card, you’ll get 2,500 bonus points.
- Point transfers to airline and hotel partners. Transfer your points to one of Chase’s many airline and hotel transfer partners. See our guide to Ultimate Rewards® for more details on how to use points.
Target Circle™ Mastercard
Annual fee: $0
All information about the Target Circle™ Mastercard has been collected independently by cardsandpoints.com.
The Target Circle™ Mastercard is an essential card for Target shoppers thanks to its 5% discount on almost everything you buy at the store.
Welcome offer
Best sign-up bonus: Get $50 in Target Circle Rewards when you spend $50 on your Target Circle Credit Card within the first 60 days following approval.
Learn how to apply.
The sign-up bonus on this card is now earned as Target Circle rewards. Previously, it was earned as a $50 off $50 coupon on a future shopping trip.
Rewards
- 5% discount every day at Target and Target.com
certain purchases, such as prescriptions, some gift cards, taxes, and alcohol purchases in some states are not eligible for a discount. - 2% on dining.
- 2% on gas.
- 1% on other purchases.
Rewards on non-Target purchases are earned as a Target gift card. The 5% discount on Target purchases is an at-purchase discount that will be reflected on your receipt when you use your card.
Benefits
Target benefits
- Free 2-day shipping on Target.com. Does not apply to orders delivered by Shipt.
- Target Circle Card exclusives and offers. Offers vary by cardholder. Not every exclusive offer will be available to every cardholder.
- More return time. Get an extra 30 days for returns and exchanges at Target.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Annual fee: $0 intro annual fee for the first year ($95/year thereafter)
Foreign transaction fee: 3% of each foreign transaction
All information about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com.
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card can offer the most cash back (up to 6% cash back) at two select retailers you choose.
Sign-up bonus
Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. Learn how to apply.
Rewards
- 6% on your first $1,500 in combined eligible purchase each quarter with two retailers you choose.
- 3% on your first $1,500 in eligible purchases each quarter on your choice of one everyday category.
Eligible everyday categories include wholesale clubs, gas and EV charging stations, and bills and utilities. - 1.5% on all other eligible purchases.
Rewards are earned as cash back.
Eligible 6% retailers
With the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, you can choose two retailers to earn 6% cash back on up to $1,500 in combined eligible purchases each quarter. Here’s the list of eligible retailers.
- Ace Hardware®
- Apple®
- Amazon.com®
- Anthropologie®
- Bed, Bath, & Beyond®
- Best Buy®
- Chewy.com®
- Crate and Barrel™
- Disney®
- Home Depot®
- Ikea®
- Kohl’s®
- Lowe’s®
- Lululemon®
- Macy’s™
- Menards®
- Nordstrom™
- Pottery Barn®
- QVC®
- Restoration Hardware™
- Target®
- Walmart®
- Wayfair.com
- Williams Sonoma®
Benefits
Consumer insurance benefits
- Purchase security.
- Return protection.
- Extended warranty protection.
Travel insurance benefits
- Travel and emergency assistance services.
Partner benefits and statement credits
- Free Shipt membership until 12/31/24 with enrollment. After free membership expires, you are automatically enrolled in an annual Shipt membership at then-current prices until you cancel.
Amazon Prime Visa
Annual fee: $0
Foreign transaction fee: None
Requires paid Prime membership.
The Prime Visa offers 5% cash back rewards at most Amazon brands, plus Chase extended warranty and purchase protection, making it one of the best cards to use at Amazon.
Welcome offer
Best sign-up bonus: Prime members, get a $150 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application.
Learn how to apply.
This bonus comes as an Amazon gift card, but the card earns points which can be redeemed for cash back.
Rewards
- 5% on Amazon.com.
- 5% on Amazon Fresh online or in-store.
- 5% at Whole Foods Market.
- 5% on Chase Travel℠ purchases.
- 2% at gas stations.
- 2% at restaurants.
- 2% on local transit and commuting, including rideshare.
- 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Auto rental collision damage waiver.
- Baggage delay insurance.
- Lost luggage reimbursement.
- Travel accident insurance.
- Travel and emergency assistance.
Amazon Visa
Annual fee: $0
Foreign transaction fee: None
All information about the Amazon Visa has been collected independently by cardsandpoints.com.
The Amazon Visa is the Amazon card from Chase that you’ll get if you don’t have a Prime membership. It offers 3% cash back rewards at most Amazon brands, plus Chase extended warranty and purchase protection.
Sign-up bonus
Best sign-up bonus: Get a $50 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application..
Learn how to apply.
This bonus is earned as an Amazon gift card.
Rewards
- 3% on Amazon.com.
- 3% on Amazon Fresh online or in-store.
- 3% at Whole Foods Market.
- 5% on Chase Travel℠ purchases.
- 2% at gas stations.
- 2% at restaurants.
- 2% on local transit and commuting, including rideshare.
- 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Auto rental collision damage waiver.
- Baggage delay insurance.
- Lost luggage reimbursement.
- Travel accident insurance.
- Travel and emergency assistance.
Our perspective: Cards we use for groceries
While I put the AAA card at the top of this list, that’s not actually the card I use for my grocery store purchases.
The groceries I buy at U.S. supermarkets all go on my Blue Cash Preferred® Card from American Express. Having this card in my wallet makes sense for me because of the combination of great grocery store rewards, the card’s excellent consumer insurance benefits, and the card’s monthly credits for Disney+.
So really, when it comes to the Blue Cash Preferred, the total picture of how the card fits into my wallet is what sells it for me.
Outside of grocery stores, most of my family’s groceries are purchased at Costco. And we use the AAA Daily Advantage Visa Signature card for those purchases.
Bottom line: You can easily get 5% cash back on groceries.
There are plenty of great credit cards for groceries. In most cases, if you have one or two of the cards on our list, you should be able to get 5% cash back on your grocery store purchases year-round, even without paying an annual fee.
