Grocery store purchases likely represent a sizable part of your monthly budget. For most people, it makes sense to get a credit card that offers increased rewards on groceries. Here are the cards that you should consider that earn better than 2% cash back or 2x points on groceries.
If you prefer to earn cash back on your groceries, here are the best cards to use. All of these cards either earn cash back or points that can be redeemed for cash back redemptions:
| Card | Rewards at drugstores | |
|---|---|---|
 | Blue Cash Preferred® Card from American Express Review Welcome Bonus | 6% cash back on groceries at U.S. supermarkets on up to $6,000 in purchases each calendar year, then 1%. Annual fee: $0 |
 | AAA Daily Advantage Visa Signature® Credit Card Review | 5% cash back on grocery store purchases until you earn $500 in a year across all of the card’s bonus categories, then 1%. Annual fee: $0 |
 | Citi Custom Cash® Card Review Welcome Bonus | 5% cash back on the first $500 you spend in top category each month. Eligible categories include grocery stores. Annual fee: $0 |
 | Capital One Savor Cash Rewards Credit Card | 3% cash back at grocery stores. Unlimited cash back earnings. Annual fee: $0 |
| Venmo Visa | 3% cash back on your eligible top spend category each month. Eligible spending categories include groceries. Annual fee: $0 | |
 | Blue Cash Everyday® Card Review Welcome Bonus | 3% cash back on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%). Annual fee: $0 |
These cards might also be a look if you prefer transferable points or have specific, substantial, banking relationships:
| Card | Rewards at drugstores | |
|---|---|---|
 | American Express® Gold Card | 4x Membership Rewards points at U.S. Supermarkets on up to $25,000 per year in purchases, then 1x. Annual fee: $325 |
 | Citi Strata Card | 3x ThankYou Points at Supermarkets. Annual fee: $0 |
 | Citi Strata Premier® Card | 3x ThankYou Points at Supermarkets. Annual fee: Column ID value for provided table ID not found! |
 | U.S. Bank Smartly™ Visa Signature® Card | Up to 4% cash back everywhere. Rewards require 100k+ banking relationship and are subject to a $10k/month spending cap. Annual fee: $0 |
 | Bank of America® Customized Cash Rewards credit card | Up to 3.5% at grocery stores. Subject to cap of $2,500 of quarterly spending, and requires $100k+ banking relationship. Annual fee: $0 |
Finally, if you shop at a specific grocery store, here are cards that can get you more rewards at major grocery stores or big-box stores that sell groceries:
| Card | Rewards at drugstores | |
|---|---|---|
 | Prime Visa | 5% cash back at Amazon Fresh and Whole Foods Market. Requires an eligible Amazon Prime membership. Annual fee: $0 |
 | Amazon Visa | 5% cash back at Amazon Fresh and Whole Foods Market. Annual fee: $0 |
 | Target Circle Mastercard | 5% instant discount at Target Annual fee: $0 |
 | U.S. Bank Shopper Cash Rewards® Visa Signature® Card | 6% cash back on two retailers you choose, on up to $1,500 in combined eligible purchases each quarter. Eligible retailers include Walmart and Target. Annual fee: $0 intro annual fee for the first year ($95/year thereafter) |
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.
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.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express offers market-leading rewards on groceries at U.S. supermarkets, plus great rewards in other categories.
Blue Cash Preferred® Card from American Express
AS HIGH AS $300 CASH BACK after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. You will be able to choose from all available American Express® Personal and Business Card offers. Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
This bonus is awarded as a statement credit.
You may be able to get a better offer—occasionally Amex will show a $300 offer once you link to the website—but we know of no way to link directly to this offer.
Annual fee: $0 intro annual fee for the first year, then $95.
Annual fee: Column ID value for provided table ID not found!
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 Streaming Credit. Receive a $10 monthly statement credit when you charge an eligible U.S. monthly subscription service to your card. Enrollment required.
- Amex Offers. Receive statement credits or extra rewards with targeted offers from select merchants. Enrollment required.
Rates and fees
- 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.
AAA Daily Advantage Visa Signature® Credit Card
The AAA Daily Advantage Visa Signature® Credit Card is probably the best overall grocery credit card if you don’t want to pay an annual fee or don’t have a Disney+ subscription.
AAA Daily Advantage Visa Signature® Credit Card welcome offer
Welcome offer: Receive a $100 statement credit after you spend $1,000 on your card in the first 90 days of account opening.
This bonus is awarded as a statement credit.
Annual fee: $0
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.
Rates and fees
- Annual fee: $0
- Foreign transaction fee: 0%
Citi Custom Cash® Card
The Citi Custom Cash® Card offers 5% rewards on up to $500 spent in your highest eligible category each statement cycle. Since supermarkets is an eligible 5% category, it can make a great go-to grocery card, assuming your monthly grocery bill is less than $500.
Citi Custom Cash® Card welcome offer
Welcome offer: 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.
This bonus is marketed as cash back, but earned as Citi ThankYou® Points. This card enables cash back redemptions at 1 cent per point.
Annual fee: $0
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 with Citi Travel®.
- 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
- Citi merchant offers
- Virtual account numbers
- Free FICO score
Rates and Fees
- Annual fee: $0
- Foreign transaction fee: 3% of each purchase transaction in US dollars.
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.
Blue Cash Everyday® Card
The Blue Cash Everyday® Card from American Express only offers up to 3% cash back on your grocery purchases, but its Disney+ credit, gas rewards, and online rewards round out a compelling package if you don’t want to pay an annual fee.
Blue Cash Everyday® Card from American Express welcome offer
Welcome offer: Earn $200 Back after you spend $2,000 in purchases on your new Card in your first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
This bonus is awarded as a statement credit.
You may be able to get a better offer—occasionally Amex will show a $300 offer once you link to the website—but we know of no way to link directly to this offer.
Annual fee: $0
Annual fee: $0
Rewards
- 3% on groceries at U.S. supermarkets
on up to $6,000 per year of purchases, then 1%. - 3% on U.S. online retail purchases
on up to $6,000 per year of purchases, then 1%. - 3% on gas at U.S. gas stations
on up to $6,000 per year of purchases, then 1%. - 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
- Amex 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.
Travel insurance benefits
- Car rental loss and damage insurance.
- Global assist hotline.
Partner benefits and statement credits
- Disney Streaming Credit. Receive a $7 monthly statement credit when you charge an eligible U.S. monthly subscription service to your card. Enrollment required.
- Amex Offers. Receive statement credits or extra rewards with targeted offers from select merchants. Enrollment required.
Rates and fees
- Annual fee: $0
- Foreign transaction fee: 2.7% of each transaction after conversion to US dollars.
American Express® Gold Card
The American Express® Gold Card offers excellent rewards for dining at restaurants worldwide and on groceries at U.S. supermarkets. But the high annual fee coupled with complicated statement credits and rewards points make the Gold Card lose a little bit of its shine.
Standard welcome offer: bonus_miles_full
Learn how to apply.
Before you apply: The bonus above is very likely not the best bonus available on this card. Amex continuously changes the bonus on this card and you can probably find a better bonus by going directly to the American Express website or finding a referral link from a friend.
This bonus is earned as Membership Rewards® points.
Rewards
- 4x at restaurants worldwide
on up to $50k in purchases. - 4x on groceries at U.S. supermarkets
on up to $25k in purchases per calendar year. - 3x on flights booked directly with airlines or on AmexTravel.com.
- 2x on prepaid hotels and other eligible travel purchases, booked through AmexTravel.com
- 1x on other eligible purchases.
Rewards are earned as Amex Membership Rewards® points.
American Express Membership Rewards® can offer great value if you transfer the points to one of Amex’s many travel transfer partners. You can also redeem the points for travel through Amex Travel.
One important downside to Membership Rewards is that the points cannot be redeemed for cash back at a decent rate in most cases. See our article on how to cash out Membership Rewards® if you’re interested in cash back rewards.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Trip Delay Insurance.
- Global Assist® Hotline.
- Baggage Insurance Plan.
- Car Rental Loss and Damage Insurance.
Partner benefits and statement credits
- $120 ($10 monthly) Uber Cash. Add your card to your Uber account and automatically get $10 in Uber Cash each month for Uber Easts orders or Uber rides in the U.S. Am Amex card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $84 ($7 monthly) Dunkin’ credit. Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $100 ($50 semi-annually) Resy credit. Get up to $50 back semi-annually in statement credits each calendar year after you pay with the Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. Enrollment required.
- $120 ($10 monthly) Dining credit. Earn up to $10 in statement credits monthly when you pay with the Gold Card at participating partners. Current partners include Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- $100 credits with The Hotel Collection. Book two nights or more with The Hotel Collection‡ through AmexTravel.com and receive a $100 credit towards eligible charges. (Eligible charges vary by property)
- Amex Offers. Save money with targeted offers on your credit card. Enrollment required for each offer. Learn more about Amex Offers.
Rates and fees
- Annual fee: $325
- Foreign transaction fee: None
Citi Strata Card
The Citi Strata℠ Card offers a surprising number of useful 3x categories for being a card with no annual fee. One unique feature of the Strata card is the ability to choose from among five “self select” categories.
Citi Strata℠ Card welcome offer
Welcome offer: Earn 20,000 bonus points after spending $1,000 in the first 3 months.
This bonus is awarded as ThankYou Points.
If this is your only ThankYou Points card, you won’t be able to redeem your points for cash back at 1 cent per point. Pair this with a Double Cash or Custom Cash for cash back redemptions or a Strata Premier or Strata Elite for point transfer redemptions.
Annual fee: $0
Rewards
- 5x points on hotels, car rentals, and attractions booked through Citi Travel®.
- 3x points at supermarkets.
- 3x points on gas and EV charging stations.
- 3x points on select transit purchases.
- 3x points on a self-select category of your choice. Eligible categories include:
- Fitness clubs
- Select streaming services
- Live entertainment
- Cosmetic stores, barber shops, and hair salons.
- Pet supply stores.
- 2x at restaurants
- 1x on all other purchases.
Rewards are earned as Citi ThankYou® Points.
Benefits
The Citi Strata card does not offer any substantive benefits that we know about.
Rates and fees
- Annual fee: $0
Citi Strata Premier Card
The Citi Strata Premier℠ Card is a staple of the ThankYou® Points wallet, earning bonus rewards in a variety of travel categories, plus restaurants, supermarkets, gas stations and EV charging.
Citi Strata Premier℠ Card welcome offer
Welcome offer: Earn 60,000 bonus points after spending $4,000 in the first 3 months.
This bonus is earned as Citi ThankYou® Points. This card also enables transfers to all of Citi’s travel transfer partners at the most favorable rates.
If this is your only ThankYou® Points card, you won’t be able to redeem your points for cash back at 1 cent per point. Pair this with a Double Cash or Custom Cash for cash back redemptions.
Annual fee: $95
Rewards
- 10x on hotels, car rentals, and attractions booked through CitiTravel.com
- 3x on air travel and other hotel purchases.
- 3x at restaurants.
- 3x at supermarkets.
- 3x at gas stations and EV charging stations
- 1x on all other purchases
Rewards are earned as Citi ThankYou® Points.
Benefits
Consumer insurance benefits
- Extended warranty.
- Damage & theft purchase protection.
Travel insurance benefits
- Trip Delay Protection.
- Common Carrier Trip Cancellation and Interruption Protection.
- Lost or Damaged Luggage coverage.
- MasterRental coverage.
Travel benefits
- $100 annual hotel benefit. Get $100 off a single hotel stay of $500 or more booked through CitiTravel.com.
Rewards benefits
- Point transfers to partners.
Rates and fees
- Annual fee: $95
- Foreign transaction fee: None.
U.S. Bank Smartly™ Visa Signature® Card
The U.S. Bank Smartly™ Visa Signature® Card is a new offering that promises up to 4% cash back for customers who hold over $100,000 of assets with U.S. Bank.
Rewards
Unlimited 2% cash back on every purchase.
Up to an additional 2% cash back if you have a U.S. Bank Smartly® Savings account and hold a significant amount of deposits with U.S. Bank. Qualifying deposits include balances in U.S. Bank deposit, trust, and investment accounts.
- Earn a total of 2.5% with a qualifying balance between $5,000 and $49,999.
- Earn a total of 3% with a qualifying balance between $50,000 and $99,999.
- Earn a total of 4% with a qualifying balance of $100,000 or more.
Rewards are earned as points which must be redeemed as a credit into an eligible U.S. Bank deposit account if you want to get the full amount of cash back.
Benefits
The U.S. Bank Smartly™ Visa Signature® Card does not advertise any significant benefits beyond its cash back.
Rates and fees
Annual fee: $0
Bank of America® Customized Cash Rewards credit card
The Bank of America® Customized Cash Rewards credit card offers up to 3% cash back rewards in a category you choose—and up to 5.25% cash back if you’re a Preferred Rewards member with Platinum or higher status.
Bank of America® Customized Cash Rewards credit card welcome offer
Welcome offer: Earn 6% cash back for the first year from account opening in your choice category. Plus, get a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
This bonus is earned as cash back rewards.
Annual fee: $0
Rewards
- 3% in the category of your choice.
- 2% at grocery stores and wholesale clubs.
- 1% on all other purchases.
You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Rewards are earned as cash back. If you have Bank of America Preferred Rewards, you’ll receive additional rewards based on your rewards multiplier of up to 1.75. Your rewards multiplier is based on your relationship with Bank of America and Merrill.
3% choice categories
Choose one of the following categories to earn 3% cash back:
- Gas and EV charging stations.
- Online shopping, including cable, internet, phone plans, and streaming.
- Dining.
- Travel.
- Drug stores and pharmacies.
- Home improvement and furnishings.
You can change your choice category once each calendar month. You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Benefits
Consumer insurance benefits
- Extended Warranty Protection.
Travel insurance benefits
- Travel and Emergency Assistance Services.
- Roadside Dispatch.
Rates and fees
- Annual fee: $0
- Foreign transaction fee: 3% of the U.S. dollar amount of each transaction
Amazon Prime Visa
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.
Prime Visa Welcome Offer
Welcome offer: Get a $150 Amazon Gift Card instantly upon approval with an eligible Prime membership.
This link is a referral link. Someone from our team or community may earn a referral bonus if you are approved through this link
Annual fee: $0
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.
Rates and Fees
- Annual fee: $0
- Foreign transaction fee: None
Amazon Visa
If you buy groceries at Amazon Fresh or Whole Foods and you don’t have a Prime membership, the Amazon Visa can get you decent rewards on your grocery spending.
Column ID value for provided table ID not found! welcome offer
Welcome offer: Get a $50 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application.
This bonus is earned as an Amazon gift card.
Annual fee: $0
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.
Rates and fees
- Annual fee: $0
- Foreign transaction fee: None
Target Circle™ Mastercard
The Target Circle™ Mastercard is an essential card for Target shoppers and should probably be your go-to card if most of your grocery shopping happens at Target.
Target™ Mastercard welcome offer
Welcome offer: Get $100 in Target Circle Rewards when you’re approved for a Target Circle Credit card.
This bonus is awarded as Target Circle Rewards.
Annual fee: $0
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 eligible items at Target.com. Items that do not qualify for free 2-days shipping receive free shipping.
- More return time. Get an extra 30 days for returns and exchanges at Target.
- Target Circle Card exclusives and offers. Offers vary by cardholder. Not every exclusive offer will be available to every cardholder.
Rates and fees
Annual fee: $0
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
If you shop at specific big box stores that sell groceries (Target or Walmart), the U.S. Bank Shopper Cash Rewards® Visa Signature® Card can offer you up to 6% cash back.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card welcome offer
Welcome offer: Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
The bonus is awarded as additional cash rewards
Maximum cash back rewards value applies only if you redeem rewards as a statement credit or a direct deposit into a U.S. Bank account.
Annual fee: $0 intro annual fee for the first year ($95/year thereafter)
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 rewards. Maximum Cash Rewards value applies to Cash Rewards redeemed for a statement credit or deposit into an eligible U.S. Bank Account.
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.
Rates and fees
- Annual fee: $0 intro annual fee for the first year ($95/year thereafter)
- Foreign transaction fee: 3% of each foreign transaction
Our perspective: Cards we use for groceries
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+.
However, these days, I’m mostly recommending the AAA Daily Advantage Visa Signature card to most people for grocery store purchases because it offers increased rewards at both grocery stores and wholesale clubs, which is where I imagine most people buy most of their groceries.
The Venmo Visa is on this list primarily because its “grocery” 3%-eligible category includes grocery stores AND warehouse clubs. But the card is issued by Synchrony, which might cause some concern—the company isn’t known for being the most forthright in its operations. In my case, my Venmo Visa account was shut down without warning, presumably because I was using the card solely for its 3% rewards on groceries. Worse, Synchrony did not pay out accumulate rewards.
