Having a credit card with strong cashback rewards for everyday purchases can save you a decent chunk of change. We’re highlighting the 6 best credit cards for groceries that will allow you to earn the highest cashback rewards on groceries and other everyday expenses.
Here are the best credit cards for groceries in 2024:
American Express Blue Cash Preferred – Highest cashback for groceries
Capital One SavorOne Cash Rewards – Solid choice for eating out and everyday spending
Citi Custom Cash – Get up to 5% cashback for groceries
American Express Blue Cash Everyday – Good option for cashback on everyday spending
Bank of America Customized Cash Rewards – Flexible credit card for everyday cashback rewards
Prime Visa – Best credit card for frequent Amazon.com and Whole Foods customers
A closer look at the best credit cards for groceries in 2024
Now, let’s take a closer look at each card that made our shortlist of the best cash back cards for groceries.
1. American Express Blue Cash Preferred – Highest cashback for groceries
The American Express Blue Cash Preferred credit card offers a whopping 6% cashback (up to $6,000 per year) on U.S. supermarket purchases. Here, it’s important to keep in mind that superstores, convenience stores and warehouse clubs are not considered supermarkets.
In addition, the Blue Cash Preferred credit card offers 6% cashback on select streaming subscriptions, 3% cashback on transit and gas, as well as a 1% cashback on other purchases. The card also comes with a $250 back bonus for customers that spend at least $3,000 using the card within 6 months of receiving it.
While the Blue Cash Preferred card has very solid rewards, it also comes with a $95 annual fee. However, the good news is that this fee is waived for the first year and it’s fairly easy to compensate for this fee with the card’s generous cashback rewards.
Key features:
6% cashback on U.S. supermarket purchases
One of the best credit cards to earn cashback on essential purchases
No annual fee in the first year
$250 back for customers who spend at least $3,000 in the first six months
Rewards Rate 6% on groceries, 6% on select streaming subscriptions, 3% on transit, 3% on gas, 1% on other purchases. Recommended Credit Score 670 - 850 Annual Fee $95 ($0 in first year) APR 19.24% - 29.99%
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2. Capital One SavorOne Cash Rewards – Solid choice for eating out and everyday spending
The Capital One SavorOne Cash Rewards card is a great option for those who frequently travel and eat out but still want to benefit from relatively high cashback on grocery store purchases. The card offers 3% in cashback rewards on grocery store spending (as well as dining, entertainment, and selected streaming services).
The SavorOne Cash Rewards also provides a generous 5% cashback on hotels and rental cars (provided they are booked through Capital One Travel). On all other purchases, customers get 1% cashback.
As an added bonus, customers who spend $500 within 3 months of opening their account receive a $200 one-time cash bonus. The card comes with no annual fee, and has a variable APR of between 19.99% and 29.99%.
Key features:
3% cashback on grocery store purchases
No annual fee
$200 bonus for customers who spend $500 in first 3 months
Rewards Rate 5% on hotels and rental cards booked through Capital One Travel, 3% on grocery stores, dining, entertainment and selected streaming services, 1% on other purchases Recommended Credit Score 670-850 Annual Fee $0 APR 19.99% - 29.99%
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3. Citi Custom Cash – Get up to 5% cashback for groceries
Citi Custom Cash is a credit card that provides 5% cashback on the customer’s top spending category with each billing cycle. The 5% rate applies to up to $500 in rewards, and drops down to 1% after this threshold is reached.
The 5% cashback rate applies to spending from one of the following categories, depending on which category the customer spends the most on:
Grocery stores
Restaurants
Gas stations
Drugstores
Home improvement stores
Fitness clubs
Live entertainment
Select travel, transit and streaming services
Beyond the 5% cashback on the top category, the Citi Custom Cash credit card provides 1% cashback rewards on all other purchases. In addition, the card comes with a welcome offer where you can earn $200 in cashback if you spend $1,500 using the card within 6 months of opening your account.
Key features:
5% cashback on the top spending category (grocery stores are eligible)
No annual fee
$200 bonus if $1,500 is spent withing the first 6 months
Rewards Rate 5% on top spending category, 1% on other purchases Recommended Credit Score 670 - 850 Annual Fee $0 APR 19.24% - 29.24%
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4. American Express Blue Cash Everyday – Good option for cashback on everyday spending
The American Express Blue Cash Everyday credit card provides 3% on purchases at U.S. supermarkets. This rate applies to up to $6,000 per year in purchases, and drops off to 1% afterwards. The same rates also apply to online retail purchases and gas. For other purchases, the Blue Cash Everyday card provides cashback rewards of 1%.
In addition to the solid cashback rewards for everyday spending categories, the Blue Cash Everyday card comes with no annual fee. Customers who spend at least $2,000 in the six months after they receive the card get an additional $200 bonus.
Key features:
3% cashback on U.S. supermarket purchases, online retail purchases and gas
No annual fee
Earn $200 bonus if you spend $2,000 in the first six months
Rewards Rate 3% on supermarkets, online retail and gas, 1% on other purchases Recommended Credit Score 690 - 850 Annual Fee $0 APR 19.24% - 29.99%
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5. Bank of America Customized Cash Rewards – Flexible credit card for everyday spending
Bank of America Customized Cash Rewards is an interesting option if you want a credit card tailored for everyday spending. When it comes to grocery shopping, the card offers 2% cashback at grocery stores and wholesale clubs.
In addition, Customized Cash Rewards card holders can choose to earn 3% cashback in one of the following categories:
Gas and EV charging
Online shopping (includes cable, internet and phone plans)
Dining
Travel
Drug stores and pharmacies
Home improvement and furnishings
Customers who spend at least $1,000 in 90 days after they open their Customized Cash Rewards get an online $200 cash rewards bonus.
Key features:
2% cashback at grocery stores and wholesale clubs
3% cashback on a selected spending category
No annual fee
$200 bonus if $1,000 is spent within first 90 days
Rewards Rate 3% on selected spending category, 2% at grocery stores and wholesale clubs, 1% on other purchases Recommended Credit Score 670 - 850 Annual Fee $0 APR 19.24% - 29.24%
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6. Prime Visa – Best credit card for frequent Amazon.com and Whole Foods customers
Prime Visa is a credit card that’s best for frequent customers of Amazon.com and/or Whole Foods Market, although it also offers solid spending rewards on certain other everyday spending categories. The card provides 3% cashback on Amazon.com, Amazon Fresh and Whole Foods Market purchases, and this bonus can go up to 5% for eligible Amazon Prime members. In addition, customers can get 10% on specified items sold on Amazon.com
The Prime Visa card also provides 2% cashback at gas stations, restaurants and local transit, as well as 1% cashback on all other purchases.
The Prime Visa card comes with no annual fee, although customers need to have an Amazon Prime membership to be eligible for the card. Amazon Prime membership costs $139 per year at the time of writing this article.
Key features:
Up to 5% cashback on Amazon.com and Whole Foods purchases
2% cashback at gas stations, restaurants and local transit
No annual fee
Rewards Rate 3% - 5% on Amazon.com and Whole Foods Market, 2% at gas stations, restaurants and local transit, 1% on other purchases Recommended Credit Score 690 - 850 Annual Fee $0 (Amazon Prime membership is required) APR 20.49% - 29.24%
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The bottom line
Hopefully, our selection of the best credit cards for groceries has helped you find a credit card that will help you save money on everyday purchases. If you want to learn more on the topic of credit cards, we recommend you take a look at our article explaining how to choose the best second credit card.