Using a grocery credit card is one of the simplest ways that you can increase the amount of cash back rewards you earn. Banks offer several credit cards that offer increased cash back on grocery store purchases-sometimes as much as 5%-6% cash back.
Read on to see our picks for the best grocery store credit cards.
The best grocery store credit cards right now: Chase Freedom welcome bonuses
Both the Chase Freedom Flex℠ and Chase Freedom Unlimited® are offering a phenomenal welcome offer for gas and groceries, putting them on the. With a new Chase Freedom Flex℠ or Chase Freedom Unlimited® card, you can get 5% cash back rewards on up to $12,000 of grocery store spending in the first year you have the card, in addition to the card’s standard welcome bonus. If groceries ends up being one of the Chase Freedom Flex℠ categories next year, the welcome bonus stacks with the quarterly category offer, meaning you can get 9% back on your grocery purchases.
The best grocery store credit cards
These are our top picks for grocery store credit cards. All of these cards earn at least 3% cash back on groceries, but some earn much more than that.
| Card | Grocery rewards | Other rewards |
|---|---|---|
 Blue Cash Preferred® Card from American Express Annual fee: $0 intro annual fee in the first year, then $95. (See Rates and Fees) | 6% cash back at U.S. supermarkets on up to $6,000 in purchases per year, then 1%. | 6% cash back on select U.S. streaming subscriptions 3% cash back at U.S. gas stations 3% cash back on transit 1% on other eligible purchases |
 Chase Freedom Flex℠ Annual fee: $0 | Welcome offer: Get 5% on gas and grocery store purchases on up to $12,000 spent in the first year as a new cardmember. Read more about the Chase Freedom Flex℠ welcome offer. | 5% cash back on the first $1,500 in the Chase Freedom Flex quarterly bonus category. 5% on travel purchased through Chase. 3% on dining, including takeout, and drugstores. 1% on all other purchases. |
 Chase Freedom Unlimited® Annual fee: $0 | Welcome offer: Get 5% on gas and grocery store purchases on up to $12,000 spent in the first year as a new cardmember. Read more about the Chase Freedom Unlimited® welcome offer. | 5% on travel purchased through Chase. 3% on dining, including takeout, and drugstores. 1.5% on all other purchases. |
 Citi Custom Cash℠ Card Annual fee: $0 | 5% cash back on the first $500 in your top eligible spending category each month. Eligible spending categories include groceries. | 5% on the first $500 spent in your top eligible spending category each month. 1% on all other purchases. |
 Capital One SavorOne Cash Rewards Credit Card Annual fee: $0 | Unlimited 3% cash back at grocery stores. | 8% cash back on Capital One Entertainment purchases. Unlimited 3% cash back on dining, entertainment, popular streaming services. 1% on all other purchases. |
 Blue Cash Everyday® Card from American Express Annual fee: $0 | 3% cash back at U.S. supermarkets, on up to $6,000 per year, then 1%. | 3% cash back at U.S. gas stations, on up to $6,000 per year. 3% cash back on U.S. online retail purchases, on up to $6,000 per year. 1% cash back on all other eligible purchases. |
| American Express® Gold Card Annual fee: $250 | 4x Membership Rewards® points at U.S. supermarkets, on up to $25,000 per year in purchases. | 4x points at restaurants worldwide. 3x points for flights booked directly with airlines or at amextravel.com. 1x points on other purchases. |
Store cards for groceries
If you shop for groceries primarily at a store like Target, Whole Foods, or Walmart, you might be interested in one of these cards, which offers 5% back on purchases at your primary grocery store.
| Card | Grocery rewards | Other rewards |
|---|---|---|
 Target RedCard™ Mastercard Annual fee: $0 | 5% discount on all purchases at Target and Target.com, including groceries. | 2% on dining. 2% on gas. 1% on all other purchases. Other rewards are earned as credit toward a Target gift card. |
 Prime Visa Annual fee: $0 Requires Amazon Prime membership | 5% cash back on Amazon, Amazon Fresh and Whole Foods Market purchases. | 5% on Chase Travel. 2% on gas. 2% on restaurants. 2% on local transit and commuting, including rideshare. 1% on all other purchases. |
 Capital One Walmart Rewards® Card Annual fee: $0 | 5% cash back on Walmart.com, including pickup and delivery. | 2% cash back in Walmart stores. 2% at restaurants. 2% on travel. 1% everywhere else Mastercard is accepted. |
Rotating 5% cards for groceries
Finally, you could consider picking up of the 5% rotating category cards for groceries. Rotating category cards offer increased rewards in categories that change, usually quarterly. You won’t earn increased rewards on groceries all the time with these cards, but most rotating category cards offers 5% cash back on a limited amount of groceries at least once during the year.
If you don’t spend $1,500 on groceries during a rotating category card’s featured quarter, you can purchase a gift card for your future grocery store purchases and effectively extend the bonus category.
| Card | Grocery rewards | Other rewards |
|---|---|---|
Chase Freedom Flex℠ Annual fee: $0 | 5% cash back on the first $1,500 in the Chase Freedom Flex quarterly bonus category. The Chase Freedom last featured grocery stores as a 5% bonus category in January-March 2023. | 5% on travel purchased through Chase. 3% on dining, including takeout, and drugstores. 1% on all other purchases. |
 Discover it® Cash Back Annual fee: $0 | 5% cash back on everyday purchases in categories that rotate quarterly. See Discover’s rotating categories for current offerings. The Discover it® Cash Back last featured grocery stores as a 5% bonus category in January-March 2023. | 1% on all other purchases. |
More on the best cards for groceries.
Blue Cash Preferred Card from American Express – 6% cash back on your first $6,000 of grocery store spending annually
If you want maximum cash back rewards on your grocery purchases, the Blue Cash Preferred® Card from American Express offers 6% back on your first $6.000 of purchases at U.S. supermarkets each year.
The Blue Cash Preferred® Card from American Express is the upgraded version of the Blue Cash Everyday® Card from American Express, offering increased rewards on purchases at U.S. supermarkets, select U.S. streaming subscriptions, and U.S. gas stations. It comes with a $0 introductory fee for the first year, then $95/year. (Terms apply. See Rates and Fees)
The card offers 6% cash back at U.S. supermarkets on up to $6,000 in purchases per year, plus 6% back on a long list of streaming providers. The card earns unlimited 3% cash back on U.S. gas stations and on transit. Other eligible purchases earn 1% cash back.
The Blue Cash Preferred® can be a great choice to use for retail purchases, as it offers the trifecta of retail insurance benefits: Purchase protection, return protection, and extended warranty. Terms apply to all benefits.
Learn more about the Blue Cash Preferred® Card from American Express from our overview of the card.
Citi Custom Cash℠ – 5% on your top eligible spending category, including groceries, with no annual fee
The Citi Custom Cash℠ isn’t a grocery card per-se, but the card’s eligible 5% categories include grocery stores. If you use the card for your first $500 of grocery store purchases each month and don’t spend more in another eligible category, you’ll get 5% on those grocery store purchases.
The Citi Custom Cash℠ Card offers 5% cash back on up to $500 in spending on the category where you spend the most each month. Eligible categories include restaurants, gas stations, grocery stores, drugstores, home improvement stores, fitness clubs, live entertainment, select travel, select transit and select streaming services. The Custom Cash carries no annual fee.
The best way to use the Citi Custom Cash℠ Card is to select a bonus category and use the card primarily for that bonus category. The card earns 5% rewards only in the eligible category where you spend the most each month, and only on your first $500 in spending in that category. Other purchases earn 1% rewards.
Learn more about the Citi Custom Cash℠ from our overview of the card.
SavorOne Rewards from Capital One – Unlimited 3% cash back on groceries with no annual fee
If you want unlimited 3% cash back rewards on groceries with no annual fee, the SavorOne Rewards card from Capital One is a great pick.
The SavorOne Rewards card from Capital One offers increased cash back rewards on dining, entertainment, popular streaming services and at grocery stores for no annual fee.
The card features unlimited 3% cash back on everyday categories including dining, entertainment, popular streaming services, and grocery stores. You’ll earn 8% back on Capital One Entertainment purchases and 1% on all other purchases.
The card also features a few useful benefits, including extended warranty and travel accident insurance. And, like all Capital One credit cards, it has no foreign transaction fees.
Our SavorOne Rewards card from Capital One overview has all of the details you need to know about this card.
Blue Cash Everyday® Card from American Express – 3% cash back on $6,000 of groceries plus gas and online shopping rewards
If you spend less than $6,000 at U.S. supermarkets, the Blue Cash Everyday® Card from American Express can be a rewarding option that also rewards your gas and online shopping purchases.
The Blue Cash Everyday® Card from American Express is the no-annual-fee younger sibling of the Blue Cash Preferred Card. (Terms apply, see Rates and Fees)
The Blue Cash Everyday offers 3% cash back rewards on up to $6,000 per year in each of its bonus categories: U.S. Supermarkets, U.S. online retail, and U.S. gas stations. Plus it offers 1% cash back on other eligible purchases.
The card also offers subscribers to The Disney Bundle a $7 monthly statement credit and Home Chef customers up to $15 a month. Terms apply to all benefits.
Read more in our overview of the Blue Cash Everyday® Card from American Express.
More on the best store-specific cards for groceries
Target RedCard™ Mastercard – 5% discount at Target
If you buy groceries at Target, the Target RedCard™ Mastercard should be in your wallet. offers card holders a 5% on most purchases at Target and at Target.com. The Target RedCard is available as a credit card or debit card.
The Target RedCard™ Mastercard offers a generous discount at Target and Target.com. The card carries no annual fee.
The RedCard’s flagship rewards come in the form of a 5% discount on most purchases at Target and Target.com. You’ll also get 2% on dining and gas purchases and 1% everywhere else you use the card. Rewards for spending on purchases outside of Target come in the form of a Target gift card, rather than cash back.
Cardmembers also get a few extra perks when shopping at Target and Target.com. These include an extra 30 days to return or exchange items you buy at Target and free 2-day shipping on hundreds of thousands of items at Target.com. The Target RedCard Mastercard has no annual fee.
Target RedCard Mastercard: Save $50 on a future qualifying purchases of over $50 when approved for a credit or debit RedCard. Offer valid 10/29/23 – 12/9/23.
Our take on the welcome bonus: The Target RedCard frequently offers a similar bonus for new cardmembers. If Target isn’t currently offering a welcome bonus, just wait a few weeks and they’ll launch a new offer. $50 off of $50 matches the largest offer we’ve seen on this card.
The link above is a direct link. We don’t make any money when you use the link above, but we’ll always show you the best offer.
Card highlights:
Annual fee: $0
Rewards: 5% discount at Target and Target.com. 2% on dining and gas. 1% everywhere else.
Benefits: Free 2-day shipping at Target.com. Additional 30 days to return at Target.
Amazon Prime Visa – 5% back at Whole Foods for Prime members
If you buy your groceries at Whole Foods and are an Amazon Prime member, the Prime Visa will get you 5% back on your grocery store purchases at Whole Foods.
The Amazon Prime Visa, available exclusively to Amazon Prime members, offers its highest rate of cash back on purchases at Amazon. If you have Amazon Prime, this card should be in your wallet… or at least loaded as your default payment method on Amazon. The Prime Visa has no annual fee, but an Amazon Prime membership ($139/year) is required to qualify for the card.
You’ll probably pick up the Prime Visa for its 5% cash back rewards at Amazon.com, Amazon Fresh and Whole Foods Market. But the card also earns 5% back on Chase Travel purchases. In addition to rewards at Amazon, the card will give you 2% back at gas stations, restaurants, and on local transit and commuting, including rideshare services. The card earns 1% back on all other purchases.
Many store credit cards leave out essential benefits, but not the Prime Visa. The card has Extended Warranty and Purchase Protection, so you don’t have to choose between earning maximum cash back and having your purchases protected when you’re buying on Amazon. The card also features baggage delay insurance, lost luggage reimbursement, secondary auto rental collision damage waiver, and travel accident insurance.
Get the Amazon Prime Visa from Chase welcome bonus
Amazon Prime Visa from Chase: Receive a $100 Amazon gift card upon approval when you have a Prime membership. (If you do not have Amazon Prime, you’ll see an offer for the non-Prime version of the card, the Amazon Visa.)
Our take on the welcome bonus: The Amazon Prime Visa is an essential card for Amazon shoppers with Prime. A $100 Amazon gift card after approval is the best welcome bonus we know of on this card.
The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above.
Card highlights:
Annual fee: $0 with your Amazon Prime membership.
Rewards: 5% at Amazon, Amazon Fresh, Whole Foods and on Chase Travel. 2% at gas stations, restaurants, and local transit and commuting. 1% on all other purchases
Capital One Walmart Rewards® Card – 5% on groceries when you order online at Walmart.com
If you purchase groceries from Walmart for pick-up or delivery, you can get 5% on your purchases with the Capital One Walmart Rewards® Card. Note that you won’t get 5% rewards on purchases in-store at Walmart. In-store purchases will only earn 2%.
If you are a Walmart shopper, you will want to strongly consider the Capital One Walmart Rewards® Card, especially if you shop online or make use of a Walmart+ membership. The Walmart Rewards card has no annual fee.
Like similar cards from big-box stores, the Capital One Walmart Rewards® Card gives you 5% back on Walmart.com purchases. You’ll also get 5% back on pickup and delivery orders you place online, but you’ll only get 2% back in Walmart stores and fuel stations. The card will give you 2% cash back at restaurants and on travel, plus 1% cash back everywhere else Mastercard is accepted.
Capital One and Walmart don’t advertise any additional benefits of the Capital One Walmart Rewards card beyond its cash back. The card is issued as a Mastercard, so you might qualify for additional benefits based on how the card is issued. See Capital One’s page linking to its benefit guides for more information.
Learn more about the card from our overview of the Capital One Walmart Rewards® Card.
Rotating 5% category cards
Chase Freedom Flex℠ – 5% on rotating categories
The Chase Freedom Flex℠ offers 5% cash back on up to $1,500 in spending, in categories that rotate quarterly. Groceries usually pops up as a category at least once a year. The Freedom Flex last offered groceries as a bonus category from January-March in 2023.
The Chase Freedom Flex℠ is Chase’s take on the 5% rotating category card, offering increased rewards in limited-time categories that are announced quarterly. The Freedom Flex has no annual fee.
The Freedom Flex offers 5% back on up to $1,500 spent each quarter in rotating bonus quarterly categories. Categories have historically included purchases at grocery stores, Amazon.com, gas stations and big box retailers. In addition, the card offers 3% cash back on restaurants and drugstore purchases and 1% cash back on everything else. All rewards are earned as Ultimate Rewards points, but can be redeemed for cash back.
In addition to cash back rewards, the Chase Freedom Flex℠ offers a generous suite of benefits for a card with no annual fee. The card protects your purchases with Purchase Protection, Extended Warranty Protection, and Cell Phone Protection and it offers protection for your travels with secondary auto rental collision damage waiver insurance and trip cancellation/interruption insurance.
You can learn more about the Chase Freedom Flex℠ from our overview of the card. The card currently has one of the best welcome bonuses available on gas and groceries.
Discover It Cash Back – 5% cash back on rotating categories
Like the Chase Freedom Flex, the Discover It Cash Back card offers 5% cash back on up to $1,500 in combined spending each quarter in rotating categories. Q4 2023 categories include Target, which can be useful for grocery store purchases. Traditional grocery stores were last included in the Discover quarterly cashback bonus in Q1 2023.
Discover it® Cash Back is the original credit card offering 5% cash back rewards on spending in rotating categories. The card offers new cardmembers double cash back rewards in the first year and has an annual fee of $0.
The card’s rewards structure is relatively simple. Each quarter, Discover publishes the Discover it® Cash Back bonus categories. Spending in these categories earns 5% cash back, on up to $1,500 in spending during the quarter. All other spending earns 1% cash back.
Unfortunately, Discover eliminated most of the additional benefits on its cards, so the Discover it® Cash Back card has no notable additional benefits.
Discover It Cash Back: Get a $100 statement credit when you’re approved and use the card within the first three months. Plus, get all of your cash back doubled in your first year of having the card.
Our take on the welcome bonus: Discover only offers a $100 statement credit if you apply through a referral link. We know of no higher offer available on this card.
The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above.
Card highlights:
Annual fee: $0
Rewards: 5% on quarterly cash back categories when you activate. 1% on all other purchases. Plus, get a cashback match in your first year.
Frequently asked questions
Yes. When you use the Citi Custom Cash, you earn 5% on your top category on up to $500 in spending each month. You can also get 5% on groceries using rotating category cards which have no annual fee.
The cash back you earn with a grocery credit card depends on how the merchant processes the transaction. Typically, big box retailers that also sell groceries like Target and Walmart will not be processed as a grocery store transaction. The Target Red Card gives you a 5% discount on all your Target purchases, making it a great option for Target shoppers.
Yes. You can have both the Chase Freedom Flex℠ and Chase Freedom Unlimited® cards. If you already have one, you can get the other card with the 5% gas and grocery welcome offer.
Amex rates and fees disclosures
For rates and fees of the Blue Cash Preferred® Card from American Express, please visit this link: See Rates and Fees
For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this link: See Rates and Fees
For rates and fees of the American Express® Gold Card, please visit this link: See Rates and Fees