Best of

Best Credit Cards for Groceries of 2019

NerdWalletMay 23, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

NerdWallet's Best Credit Cards for Groceries of 2019

Our pick for

Overall high rewards rates

American Express Blue Cash Preferred Credit Card

on American Express's website

Rates & Fees

on American Express's website

Rates & Fees
Annual Fee

$95

Regular APR

15.24% - 26.24% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 12 months

recommended credit score

The Blue Cash Preferred® Card from American Express is the industry champ. 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% cash back on all other purchases. Terms apply. Rewards on $5,000 a year in U.S. supermarket spending: $300.

Our pick for

Cash back with no annual fee

American Express Blue Cash Everyday Credit Card

on American Express's website, or call (866) 512-6673

Rates & Fees

on American Express's website, or call (866) 512-6673

Rates & Fees
Annual Fee

$0

Regular APR

15.24% - 26.24% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

recommended credit score

The Blue Cash Everyday® Card from American Express earns 3% cash back at U.S. supermarkets (on up to $6,000 spent per year, then 1%), 2% back at U.S. gas stations and select U.S. department stores, and 1% back on everything else. Terms apply. Rewards on $5,000 a year in U.S. supermarket spending: $150.

Our pick for

2% cash back on everything

Citi® Double Cash Card

on Citibank's application

on Citibank's application

Annual Fee

$0

Regular APR

15.74% - 25.74% Variable APR

Intro APR

0% on Balance Transfers for 18 months

recommended credit score

Not interested in carrying a special card just for groceries? The Citi® Double Cash Card – 18 month BT offer is a great one-card solution. It earns 2% back on all purchases — 1% when you buy and 1% back when you pay it off. Rewards on $5,000 a year in grocery store spending: $100.

Our pick for

Frequent restaurant diners

Capital One® SavorOneSM Cash Rewards Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0

Regular APR

16.24% - 26.24% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

recommended credit score

If your food expenses include as many trips to restaurants and takeout joints as to the grocery store, the Capital One® SavorOne℠ Cash Rewards Credit Card makes a good companion. You’ll earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Rewards on $5,000 a year in grocery store spending: $100.

Our pick for

Customizable 5% cash back

US Bank Cash+(TM) Visa Signature(R) Card Credit Card

on US Bank's website

Rates & Fees

on US Bank's website

Rates & Fees
Annual Fee

$0

Regular APR

16.24% - 25.74% Variable APR

Intro APR

0% Intro APR* on balance transfers for 12 billing cycles

recommended credit score

The U.S. Bank Cash+™ Visa Signature® Card gives cardholders a choose-your-own-adventure experience every quarter. You select one unlimited 2% cash-back category from a list of three, which includes grocery stores. You also choose two 5% cash-back categories per quarter from a list of 12, on up to $2,000 in combined spending. Earn 1% back on all other purchases. Rewards on $5,000 a year in grocery store spending: $100 (when choosing grocery stores as your 2% category).

Our pick for

Customizable 3% cash back and Bank of America® customers

Bank of America® Cash Rewards Credit Card

on Bank of America's website, or call (877) 754-6706

on Bank of America's website, or call (877) 754-6706

Annual Fee

$0

Regular APR

16.24% - 26.24% Variable APR

Intro APR

0% on Purchases for 12 billing cycles and 0% on Balance Transfers for 12 billing cycles for balance transfers made in the first 60 days

recommended credit score

With the Bank of America® Cash Rewards credit card, you earn 2% cash back at grocery stores and wholesale clubs and 3% cash back in a category of your choice, on up to $2,500 in combined spending per quarter. Plus, you’ll get 1% cash back on all other purchases. If you qualify for Bank of America®'s Preferred Rewards program, you can earn a bonus of 25%, 50% or 75% of your rewards, depending on your account balances. Maximum rewards on $5,000 a year in grocery store spending: $100 (for Preferred Rewards customers: $125, $150 or $175).

Want to compare more options? Here are our other top picks:

Options for brand loyalists

The cards identified above can earn elevated rewards regardless of the supermarket or grocery store where you shop. If you shop at Costco, Whole Foods or Target, consider these options.

Costco: Costco Anywhere Visa® Card by Citi

If you buy your groceries wholesale-club-style, the Costco Anywhere Visa® Card by Citi earns 2% cash back at Costco and Costco.com. It also earns 4% cash back on eligible gas purchases (both at Costco and at other gas stations) on the first $7,000 per year (1% thereafter), as well as 3% cash back on restaurants and eligible travel purchases. All other spending earns 1% back. The annual fee is $0*, although you have to be a Costco member to apply, and membership starts at $60 a year.
» Rewards on $5,000 a year in groceries at Costco: $100.

Whole Foods: Amazon Prime Rewards Visa Signature Card

If you're more of a Whole Foods fanatic — and if you already pay for an Amazon Prime membership — consider the Amazon Prime Rewards Visa Signature Card. It earns 5% back at Whole Foods, plus 5% back at Amazon.com, 2% back at restaurants, gas stations and drugstores, and 1% everywhere else. Redeem your points for Amazon.com purchases at a value of 1 cent per point. The card's annual fee is $0, but you must be an Amazon Prime member, which does require a yearly fee.
» Rewards on $5,000 a year in groceries at Whole Foods: $250.

Target: Target REDcard™ Credit Card

The Target REDcard™ Credit Card doesn't offer rewards in the form of cash back or points, but you could argue that it gives you something even better: an immediate 5% discount on nearly everything you buy at Target, either in-store or online. You also get free shipping on most items at Target.com. If your grocery runs take you to a full-service Super Target — or just to the food aisles at a regular Target — this  $0-annual-fee card is mighty attractive.
» Savings on $5,000 a year in groceries at Target: $250.

5% rotating category cards

The other cards on this page offer elevated grocery rewards year-round. The Chase Freedom® and select Discover cards like the Discover it® Cash Back pay a higher rate on groceries for only three months at a time — but what a rate it is.

On each card, you earn 5% cash back in rotating categories that you activate, on up to $1,500 per quarter in spending, and 1% cash back on all other purchases. In recent years, both cards have offered grocery stores as a 5% category. (See current and past categories here.) Other bonus categories on both cards tend to be common expenses, meaning it's not hard to get great value out of them. Neither card charges an annual fee.

» Maximum rewards on $5,000 a year in groceries (assuming each card offers grocery stores for one quarter): 

  • If using one card: $110.
  • If using both cards: $170.

To view rates and fees of the Blue Cash Preferred® Card from American Express, please visit this page.

To view rates and fees of the Blue Cash Everyday® Card from American Express, please visit this page.

To view rates and fees of the American Express® Gold Card, please visit this page.

Last updated on May 23, 2019

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.