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Grocery shopping is a major monthly expense for most households. With the best credit cards for groceries, you can earn cash back, points, or discounts on every purchase. This guide compares the top cards to help you save money on food bills.
Key Factors When Choosing a Grocery Rewards Card
Before selecting a card, consider:
✔ Reward rate – How much you earn per dollar spent
✔ Bonus categories – Some cards offer extra rewards at supermarkets
✔ Annual fee – Whether the benefits justify the cost
✔ Sign-up bonus – Upfront points or cash back offers
✔ Redemption options – Flexibility in using your rewards
5 Best Credit Cards for Grocery Shopping in 2025
1. American Express® Gold Card – Best for High Earners
- Rewards: 4X Membership Rewards® points at U.S. supermarkets (up to $25,000/year, then 1X)
- Annual Fee: $250
- Best For: Foodies who also dine out frequently (4X on restaurants)
- Perks: 120annualUberCashcredit,120annualUberCashcredit,120 dining credit
2. Blue Cash Preferred® Card from American Express – Best Cash Back
- Rewards: 6% cash back at U.S. supermarkets (up to $6,000/year, then 1%)
- Annual Fee: $95
- Best For: Families with large grocery budgets
- Perks: 6% back on select streaming, 3% on transit
3. Chase Freedom Flex℠ – Best No Annual Fee Option
- Rewards: 5% cash back in rotating categories (often includes groceries)
- Annual Fee: $0
- Best For: Budget-conscious shoppers who track bonus categories
- Perks: 3% back at drugstores, 1% unlimited cash back
4. Citi Custom Cash℠ Card – Best for Flexible Spending
- Rewards: 5% cash back on top eligible spending category (including groceries)
- Annual Fee: $0
- Best For: Those who want automatic bonus rewards
- Perks: No category activation required
5. Bank of America® Customized Cash Rewards – Best for Preferred Rewards Members
- Rewards: 3% cash back in chosen category (includes groceries)
- Annual Fee: $0
- Best For: Existing Bank of America customers
- Perks: 2% back at wholesale clubs
How to Maximize Grocery Rewards
- Stack discounts – Combine store loyalty programs with credit card rewards
- Time purchases – Buy gift cards during bonus category quarters
- Pay in full – Avoid interest charges that negate rewards
Frequently Asked Questions
❓ “Which card is best for Costco or Walmart purchases?”
Most supermarket cards exclude warehouse clubs. For Costco, use the Costco Anywhere Visa® Card (2% back in-store).
❓ “Do grocery rewards work for online orders?”
Yes, as long as the merchant codes as a supermarket (Instacart, Walmart Grocery may not qualify).
Final Recommendation
- Best Premium Card: Amex Gold (4X points)
- Best Cash Back: Blue Cash Preferred (6% back)
- Best No-Fee Option: Chase Freedom Flex (rotating 5% categories)
Always check current terms, as rewards programs can change.
