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Best credit cards for groceries 2023

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Essential expenses like groceries can add up quickly — especially if you live with a partner or have a family. If you’re spending triple figures at the supermarket every year, it pays to have a credit card that earns bonus rewards on groceries. That’s because your grocery spend alone can translate to thousands of points that can help you swing a free flight, hundreds of dollars in cash back rewards, and more.

In this guide, we list the top six credit cards that are best for maximizing your trips to the grocery store. We’ll assume you spend roughly $300 per month (or $3,600 annually) at the supermarket to help you understand how much in rewards you can collect from groceries alone. Of course, you should adjust these figures to how you see fit with your monthly budget.

Best credit cards for groceries

Best overall grocery store credit card: American Express® Gold Card

American Express® Gold Card

Welcome Offer

Earn 60,000 Membership Rewards points after you spend $4,000 on purchases on your new card in your first six months of card membership.

Rewards

Earn 4X Membership Rewards points for purchases at restaurants worldwide; 4X Membership Rewards points for groceries at U.S. supermarkets (up to $25k in purchases); 3X points on flights booked directly with airlines or on amextravel.com; and 1X point per $1 spent on eligible purchases elsewhere.

Annual Fee

$250

Our Thoughts

High rewards potential on everyday purchases and travel purchases make the Gold Card a well-rounded offer for anyone.

Offer details accurate as of 9/6/23

  • Annual fee: $250
  • Grocery rewards: 4x points per dollar spent at U.S. supermarkets, on up to $25,000 per calendar year (then 1x point per dollar)
  • Estimated return on grocery spend: 7.2%

At the top of our list is the American Express® Gold Card — and for good reason. Although the annual fee may seem expensive, the Amex Gold is easily the most rewarding card for groceries, as cardholders earn 4x points per dollar on purchases at U.S. supermarkets, up to the first $25,000 spent per year.

Since Amex Membership Rewards® points are worth 1.8 cents on average toward travel, Amex Gold cardholders earn a staggering 7.2% return on groceries.

($3,600/year * 4x points * 0.018 value / $3,600)

In a year, you can rack up 14,400 Membership Rewards® points on your grocery store purchases, which is worth about $259.20 (or more) toward travel. That can effectively wipe out the cost of the annual fee, and that’s way before you consider the other excellent perks of the card:

  • 4x points per dollar on restaurants worldwide, 3x points per dollar on flights booked directly with airlines or through amextravel.com, and 1x point per dollar on all other eligible purchases.
  • Up to $120 annual Uber Cash. You’ll receive $10 in Uber Cash each month, valid toward UberEats orders or Uber rides in the U.S.
  • Up to $120 annual dining credit. You’ll receive $10 in statement credits toward eligible dining partners, including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations.

The only downside to the Amex Gold Card is that the 4x earning rate only applies to purchases spent at U.S. supermarkets. While you won’t be charged with foreign transaction fees with this card, for all of your grocery store trips while you’re traveling abroad, you may want to consider using a different card.

Runner-up: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Welcome Offer

Earn $250 statement credit after you spend $3,000 on purchases on your new card in your first six months of card membership.

Rewards

Earn 6% Cash Back at U.S. supermarkets up to $6,000 per year; 6% Cash Back on select U.S. streaming subscriptions; 3% Cash Back at U.S. gas stations and on transit, and; 1% Cash Back point on all other purchases.

Annual Fee

$0 intro annual fee, then $95

Our Thoughts

An excellent credit card for families looking to earn top rewards for everyday spending.

Offer details accurate as of 9/6/23

  • Annual fee: $0 intro annual fee, then $95
  • Grocery rewards: 6% cash back at U.S. supermarkets — but only on the first $6,000 spent annually, then 1% cash back
  • Estimated return on grocery spend: 6%

The Blue Cash Preferred® Card from American Express offers a whopping 6% cash back at U.S. supermarkets on the first $6,000 spent annually, then 1% cash back. If your monthly grocery budget falls under the maximum limit (roughly about $500 per month), you could earn $360 in cash back rewards from your grocery spend every year.

Unfortunately, you’ll only earn bonus points at supermarkets in the U.S., and warehouse clubs and superstores like Target and Walmart are also excluded. Still, the Blue Cash Preferred® Card from American Express remains one of the best cash back options for groceries with a fantastic 6% return.

Additionally, cardholders earn 6% cash back on select U.S. streaming subscriptions and 3% cash back at U.S. gas stations and on transit purchases.

Other best credit cards for groceries

Best for grocery delivery and meal kit purchases: Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Apply Now →
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Annual Fee Intro APR Regular APR Credit Needed
$95 N/A 21.49% - 28.49% Variable Excellent/Good

  • Annual fee: $95
  • Grocery rewards: 3x points per dollar on online grocery services
  • Estimated return on grocery spend: 5.1%

Throughout the pandemic, grocery delivery services (such as FreshDirect and Instacart) and the best meal kit delivery boxes (like Blue Apron and HelloFresh) have become incredibly popular. If you spend the bulk of your supermarket spend through these services, the Chase Sapphire Preferred® Card specifically offers an unlimited 3x points per dollar on online grocery store purchases — but excludes purchases at Target, Walmart, and wholesale clubs.

Since Chase Ultimate Rewards® points are worth 1.7 cents per point, that’s like securing a 5.1% return on online grocery purchases. With an estimated $300 monthly spend in online grocery services, you could earn 10,800 points annually, worth about $184 toward travel.

Not to mention, the Chase Sapphire Preferred® Card also offers 5x points on travel booked through Chase Ultimate Rewards®, 3x points on dining and select streaming services, and 1x point per dollar on all other eligible purchases.

Best for earning travel rewards: Citi Premier® Card

Citi Premier® Credit Card

Learn More →
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchase
Annual Fee Intro APR, Purchases Intro APR, Balance Transfers Regular APR Credit Needed
$95 N/A N/A 21.24% - 29.24% (Variable)
  • Excellent
  • Good

  • Annual fee: $95
  • Grocery rewards: 3x unlimited points per dollar on supermarkets
  • Estimated return on grocery spend: 4.8%

If you’re chasing after travel rewards, the Citi Premier® Card is an outstanding pick for just per year. You’ll earn 3x bonus points on airline and hotel purchases, as well as at supermarkets (excluding warehouse stores), gas stations, and restaurants, with 1x points on all other purchases.

When redeeming your rewards for travel, Citi ThankYou® points are worth about 1.6 cents each.  With an estimated 900 points earned per month, or 10,800 points per year, you will have accrued about $173 in credit card rewards.

Card info has been independently collected by MoneyUnder30 to help consumers better compare cards. The financial institution did not provide or approve card details.

Best for no annual fee: Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Apply Now →

See Rates & Fees.

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Annual Fee Intro APR, Purchases Intro APR, Balance Transfers Regular APR Credit Needed
$0 0% intro on purchases for 15 months 0% intro on balance transfers for 15 months 19.99% - 29.99% (Variable)
  • Excellent
  • Good

  • Annual fee: $0
  • Grocery rewards: 3% unlimited cash back at grocery stores (excludes superstores like Walmart® and Target®)
  • Estimated return on grocery spend: 3%

The Capital One SavorOne Cash Rewards Credit Card is one of our favorite no annual fee cash back cards. Cardholders earn an unlimited 3% cash back at grocery stores, which include supermarkets (both in the U.S. and internationally), meat locker, freezer, and dairy product stores, and specialty markets. However, you won’t earn bonus points at superstores like Target or Walmart.

With an estimated $300 monthly spend on groceries, you would earn $108 in cash back rewards with the Capital One SavorOne Cash Rewards Credit Card. In addition to earning bonus points at grocery stores, cardholders receive 3% cash back on dining, entertainment, and popular streaming services, and 1% cash back on all other eligible purchases.

Finally, this card waives all foreign transaction fees on purchases made outside of the U.S.

Best for wholesale shopping: Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Apply Now →

See Rates & Fees.

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from our Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Annual Fee Intro APR, Purchases Intro APR, Balance Transfers Regular APR Credit Needed
$95 N/A N/A 20.99% - 28.99% (Variable)
  • Excellent
  • Good

  • Annual fee: $95
  • Grocery rewards: 2x miles per dollar on all eligible purchases
  • Estimated return on grocery spend: 2%

Suppose your grocery spend is mostly at warehouse clubs like Costco or Sam’s Club or even at big-box stores like Target or Walmart. Unfortunately, many credit cards that offer bonus rewards on groceries (including the ones listed above) will specifically exclude spend at these retailers.

If that’s the case, you may want to consider applying for a credit card that rewards you for all general spend. The Capital One Venture Rewards Credit Card is a terrific option, as it earns an unlimited 5x miles per dollar on hotels and rental cars booked through Capital One Travel and 2x miles per dollar on all other eligible purchases.

With an estimated $300 monthly grocery budget, you would accrue 600 miles per month, or roughly 7,200 miles per year, that you can redeem for travel, gift cards, cash back, and more.

For the utmost simplicity, the Capital One Venture Rewards Credit Card is a great card for groceries, no matter which supermarket you shop at.

Summary

There’s no one-size-fits-all solution when it comes to picking the right credit card for groceries. While some cards can offer up to a 7.8% return on groceries, you’ll first need to evaluate where you do the bulk of your shopping.

If most of your grocery shopping is at a warehouse club, you might want to consider a card that offers bonus points on all general spend instead.

Meanwhile, large families may justify paying an annual fee to get a higher return on supermarket spend, while others may want to open a card with no annual fee.