Best Credit Cards for Groceries
The right grocery card can put hundreds back in your pocket each year — but only if it matches how you actually spend. Here are the top cards ranked by grocery rewards rate, plus a way to see which one wins for your household.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change — verify current offers on the issuer’s site.
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#1
Blue Cash Preferred Card from American Express
6% on groceries $95/yrEarns 6% on groceries up to $6,000/year, then 1.0% after. 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas.
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#2
Bilt World Elite Mastercard
4% on all purchases $0/yrEarns 4.0% on all purchases including groceries. Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend.
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#3
American Express Gold Card
4% on groceries $325/yrEarns 4% on groceries up to $25,000/year, then 1.0% after. 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights.
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#4
Fold
3.5% on all purchases $0/yrEarns 3.5% on all purchases including groceries. Up to 3.5% bitcoin back on all purchases.
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#5
Capital One Savor Cash Rewards Credit Card
3% on groceries $0/yrEarns 3% on groceries with no spending cap. Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One.
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#6
Chase Sapphire Preferred Card
3% on groceries ~3.8% cash value via portal $95/yrEarns 3% on groceries with no spending cap. Points valued at ~1.3¢ each 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
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#7
Citi Strata Premier Card
3% on groceries via portal $95/yrEarns 3% on groceries with no spending cap. 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging.
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How We Rank
Cards are ranked by their stated rewards rate in this spending category. This ranking does not account for: the cash value of points (which varies by card and redemption method), spending caps, annual fees, or portal booking requirements. All of these are shown per card so you can factor them in.
For a personalized comparison that weighs your actual spending, accounts for caps, subtracts annual fees, and estimates real dollar value, use our calculator.
Frequently Asked Questions
Which credit card gives the most cash back on groceries?
The Amex Blue Cash Preferred earns 6% at U.S. supermarkets (up to $6,000/year). For higher spenders, the Amex Gold earns 4x points at U.S. supermarkets with a $25,000 annual cap.
Do grocery bonus rates have spending caps?
Many do. The Blue Cash Preferred caps 6% at $6,000/year in grocery spending. After the cap, you earn the base rate. Our rankings show all caps so you can compare.
Does Walmart or Target count as groceries?
It depends on the store's merchant category code. Supercenters like Walmart often code as "discount stores," not supermarkets. Standalone grocery stores almost always qualify.
Is a grocery credit card worth the annual fee?
It depends on your spending. A household spending $500/month on groceries earns $360/year at 6% — easily covering a $95 annual fee. Enter your spending in our calculator to see your break-even point.
Your Spending Is Unique
These rankings are based on stated rates. The card that actually earns you the most depends on how much you spend in each category, annual fees, and spending caps. Enter your numbers to see your personalized ranking.
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