We all shop for groceries, so why not earn rewards for doing so? Here are the best credit cards for groceries.

It may be surprising, but there are plenty of urbanites who eat nearly all of their meals at restaurants. But for the rest of us, groceries are a major part of our budget.

For those of us who shop with a rewards credit card, we should always have a card that offers exceptional rewards at grocery stores.

The right rewards card will offer bonus points, miles, or cash back every time you visit your grocery store or supermarket. Who wouldn’t want money just for going grocery shopping?

Best credit cards for groceries overview:

Card NameBest for
Citi Rewards+® CardOverall Grocery Rewards
Discover it® Cash BackCashback
Capital One® Savor® Cash Rewards Credit CardDining Out
Capital One Venture Rewards Credit CardOverall Rewards

Best for overall grocery rewards

Citi Rewards+® Card

In A Nutshell

The Citi Rewards+® Card combines a bevy of benefits to create an overall strong offering. Earn 20,000 bonus points after spending $1,500 in purchases during the first three months (redeemable for $200 in gift cards at thankyou.com). For a limited time, earn 5 ThankYou® Points per $1 spent on restaurants (up to $6,000) in the first 12 months and 1 point thereafter.

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In A Nutshell

The Citi Rewards+® Card combines a bevy of benefits to create an overall strong offering. Earn 20,000 bonus points after spending $1,500 in purchases during the first three months (redeemable for $200 in gift cards at thankyou.com). For a limited time, earn 5 ThankYou® Points per $1 spent on restaurants (up to $6,000) in the first 12 months and 1 point thereafter.

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Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening

  • 0% intro APR on balance transfers and purchases for 15 months (regular APR of 15.74% – 25.74% Variable). Balance transfer fee applies.

  • Round Up to the nearest 10 points on every purchase

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Intro APR Purchases
0% intro for 15 months on Purchases
Intro Term Purchases
15 months
Intro APR Balance Transfers
0% intro for 15 months on Balance Transfers
Intro Term Balance Transfers
15 months
Regular APR
15.74% - 25.74% (Variable)
Annual Fee
$0

Apply Now >>

Citi Rewards+® Card

The Citi Rewards+® Card offers a generous 2X ThankYou® Points at supermarkets and gas stations (for the first $6,000 per year) and 1x point per $1 spent thereafter.


Rather uniquely, it also automatically rounds up small purchases to 10 points, so even an $0.89 banana purchase will net you 10 ThankYou® Points.

Cash back 

In addition to the rewards mentioned above, for a limited time, you’ll earn 5 ThankYou® Points back per $1 spent at restaurants for the first $6,000 spent annually, and unlimited 1x ThankYou® Points on all other purchases. 

Intro offer

When new cardholders spend $1,500 within your first three months of having your Citi Rewards+® Card and you’ll score 20,000 bonus ThankYou® Points redeemable for $200 in gift cards at thankyou.com.

Intro APR 

Open a Citi Rewards+® Card and you’ll get a 0% intro APR on both purchases and balance transfers for 15 months – that’s objectively awesome for someone trying to pay off old credit card debt without accumulating interest on new purchases. Balance transfers must be completed within four months of account opening and come with a 3% or $5 balance transfer fee (whichever is greater). After that, the fee will be 5% per transfer (minimum $5). The standard purchase and balance transfer APR is 15.74% - 25.74% (Variable).

See card details/apply

Best for cash back

Discover it® Cash Back

While not directly for groceries, Discover it® Cash Back offers 5% quarterly categories, and one is groceries, making this one of the highest earning cash back cards.

Cash back

Discover it® Cash Back offers 5% cashback in rotating categories each quarter. You must activate each quarter and the maximum spend is $1,500.

Note that in reviewing Discover over the last number of years, I can tell you that one of those categories is usually grocery stores. This year, it is the first quarter!

Here’s the 2022 5% cashback quarterly incentives, and every category is spot on.  Take a look!

  • January – March 2022: Grocery stores and Fitness Club & Gym Memberships.
  • April – June 2022: Gas stations and Target.
  • July – September 2022: Restaurants and PayPal.
  • October – December 2022: Amazon.com and Digital Wallets.

Customers will also receive unlimited 1% cashback on all other purchases.

Cashback Match™

Discover will match the cashback you’ve earned at the end of your first year as a customer.

No annual fee

What’s great about Discover cards is that they have no annual fee.

APR

The Discover it® Cash Back has a 11.99% - 22.99% Variable APR.

See card details/apply or read our full Discover it® Cash Back review.

Best for dining out

Capital One Savor Cash Rewards Credit Card

Disclaimer – The information about the Capital One® Savor® Cash Rewards Credit Card has been collected independently by MoneyUnder30.com. The card details have not been reviewed or approved by the card issuer.

Whether you’re going to the grocery store or going out to a restaurant, the Capital One® Savor® Cash Rewards Credit Card has you covered.

Cash back

You earn 4% cash back on dining and entertainment, 3% cash back at grocery stores and 1% cash back on all other purchases. Plus, there are no limits to the amount of rewards that you can earn!

Intro offer

This card also offers new applicants $300 in bonus cash back after making at least $3,000 in purchases within three months of account opening.

Intro APR offer

The Capital One Savor® Cash Rewards Credit Card does not feature an introductory APR for purchases or balance transfers.

Annual fee

There’s an annual fee of $95

See card details/apply or read our full Capital One® Savor® Cash Rewards Credit Card review.

Best overall rewards credit card

Capital One Venture Rewards Credit Card

In A Nutshell

Capital One’s leading product is the Capital One Venture Rewards Credit Card and it shows. A one-time 75,000 mile bonus after spending $4,000 in the first 3 months is flat out AWESOME, and 2X miles per dollar spent is about as good as it gets with a travel rewards credit card.

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Apply Now On the Secure Website

In A Nutshell

Capital One’s leading product is the Capital One Venture Rewards Credit Card and it shows. A one-time 75,000 mile bonus after spending $4,000 in the first 3 months is flat out AWESOME, and 2X miles per dollar spent is about as good as it gets with a travel rewards credit card.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

  • 2X miles earned for $1 spent on all purchases

  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Apply Now >>

While the Capital One Venture Rewards Credit Card doesn’t offer a bonus for groceries, it features such competitive rewards for all purchases, that it’s still one of the best cards to use at the supermarket.

Miles

With this card, you earn two miles per dollar spent on all purchases, with no limits.

Intro offer

New cardholders can also earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

Capital One miles are worth one cent each as statement credits towards travel purchases including airfare, hotels, car rentals and cruises.

Annual fee

There’s an annual fee of $95, and no foreign transaction fees.

APR

The Capital One Venture Rewards Credit Card has a 17.49% - 25.49% (Variable) APR.

See card details/apply or read our full Capital One Venture Rewards Credit Card review.

Best for business owners

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About the author

David Weliver
Total Articles: 296
David Weliver is the founder of Money Under 30. He's a cited authority on personal finance and the unique money issues he faced during his first two decades as an adult. He lives in Maine with his wife and two children.