BEST CREDIT CARDSBEST CREDIT CARDSBEST CREDIT CARDS FOR GROCERIES OF NOVEMBER 2024

10 Best Credit Cards for Groceries of November 2024

Updated: Nov 7, 2024
Jae Bratton
Written by
Lead Writer
Caitlin Mims
Reviewed by
Content Management Specialist
Kenley Young
Edited by
Fact Checked
Fact Checked
Assigning Editor
Jae Bratton
Written by
Lead Writer
Caitlin Mims
Reviewed by
Content Management Specialist
Kenley Young
Edited by
Fact Checked
Fact Checked
Assigning Editor
+ 2 more
+ 2 more
Updated: Nov 7, 2024
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Families with big grocery bills can save hundreds of dollars by paying for them with a credit card that offers elevated rewards at the supermarket. If you spend $100 a week on groceries, using a card that earns 3% will net you more than $150 a year. Imagine saving that kind of money at the checkout — without even needing to clip coupons! You can do it with these cards. And in some cases, rewards rates apply to grocery delivery, too. 

  • 400+ credit cards reviewed by our team of experts (See our top picks)

  • 80+ years of combined experience covering credit cards and personal finance

  • 27,000+ hours spent researching and reviewing financial products in the last 12 months

  • Objective comprehensive ratings rubrics (Methodology)

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.

  • 400+ credit cards reviewed by our team of experts (See our top picks)

  • 80+ years of combined experience covering credit cards and personal finance

  • 27,000+ hours spent researching and reviewing financial products in the last 12 months

  • Objective comprehensive ratings rubrics (Methodology)

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.

NerdWallet's Best Credit Cards for Groceries of November 2024

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Best Credit Cards for Groceries

Credit card
NerdWallet rating
Annual feeRewards rateIntro offerLearn more
Blue Cash Preferred® Card from American Express ImageBlue Cash Preferred® Card from American Express
Best for Highest rewards rate

$0 intro annual fee for the first year, then $95.

1%-6%

Cashback
$250
Blue Cash Everyday® Card from American Express ImageBlue Cash Everyday® Card from American Express
Best for Ongoing high cash back with no annual fee

$0

1%-3%

Cashback
$200
Citi Custom Cash® Card ImageCiti Custom Cash® Card
Best for Up to 5% cash back

$0

1%-5%

Cashback
$200
Capital One Savor Cash Rewards Credit Card ImageCapital One Savor Cash Rewards Credit Card
Best for Frequent restaurant diners

$0

1%-8%

Cashback
$250
U.S. Bank Cash+® Visa Signature® Card ImageU.S. Bank Cash+® Visa Signature® Card
Best for Customizable cash back

$0

1%-5%

Cashback
$200
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card ImageU.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Best for Target / Walmart / wholesale club shoppers

$0 intro for the first year, then $95

1.5%-6%

Cashback
$250
Citi Double Cash® Card ImageCiti Double Cash® Card
Best for 2% cash back on everything

$0

1%-5%

Cashback
$200
Citi Strata Premier℠ Card ImageCiti Strata Premier℠ Card
Best for Travel rewards

$95

1x-10x

Points
70,000
points
Prime Visa ImagePrime Visa
Apply Now
on Amazon.com's website
on Amazon.com's website
Best for Amazon and Whole Foods

$0

1%-5%

Cashback
$200
Apply Now
on Amazon.com's website
on Amazon.com's website
American Express® Gold Card ImageAmerican Express® Gold Card
Best for Travel rewards and perks

$325

1x-4x

Points
60,000
points
save money

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Our pick for

Highest rewards rate

Annual fee
$0 intro annual fee for the first year, then $95.
Rewards rate
1%-6%
Cashback
Intro offer
$250
Recommended Credit Score

The Blue Cash Preferred® Card from American Express is the industry champ. It gets 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%), as well as outstanding rewards in other common spending categories; terms apply. Rewards on $5,000 a year in U.S. supermarket spending: $300.

Product Details

  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% - 29.74%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.
  • View Rates & Fees

Pros
  • Grocery rewards: 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending.

  • Other rewards: 6% cash back on select U.S. streaming subscriptions; 3% at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% on all other purchases.

  • New cardholders get this nifty offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

  • Plus, there's a good 0% intro APR offer.

  • Terms apply.

Cons
  • There's an annual fee, and it's high for a cash-back card: $0 intro annual fee for the first year, then $95. But if you spend around $31 per week at the supermarket, you'll make that up in cash back — and that's not even taking into account rewards earned in the card's other bonus categories.

Why We Like It

The Blue Cash Preferred® Card from American Express is the industry champ. It gets 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%), as well as outstanding rewards in other common spending categories; terms apply. Rewards on $5,000 a year in U.S. supermarket spending: $300.

Our pick for

Ongoing high cash back with no annual fee

Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$200
Recommended Credit Score

The no-annual-fee option in the Blue Cash portfolio, the Blue Cash Everyday® Card from American Express offers solid rewards at U.S. supermarkets and in other common spending categories. Terms apply. Rewards on $5,000 a year in U.S. supermarket spending: $150.

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% to 29.74% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.
  • View Rates & Fees

Pros
  • Grocery rewards: 3% cash back at U.S. supermarkets, on up to $6,000 a year in spending; 1% after that.

  • Other rewards: 3% cash back at U.S. gas stations and on U.S. online retail purchases (on up to $6,000 in spending per year in each category; 1% after that); 1% on other purchases.

  • This card comes with a great 0% intro APR period, plus a welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.

  • $0 annual fee.

  • Terms apply.

Cons
  • If you spend at least $61 per week at the supermarket, you may be better off paying the annual fee on the Blue Cash Preferred® Card from American Express because you'll come out ahead with the much higher rewards rate.

Why We Like It

The no-annual-fee option in the Blue Cash portfolio, the Blue Cash Everyday® Card from American Express offers solid rewards at U.S. supermarkets and in other common spending categories. Terms apply. Rewards on $5,000 a year in U.S. supermarket spending: $150.

Our pick for

Frequent restaurant diners

Annual fee
$0
Rewards rate
1%-8%
Cashback
Intro offer
$250
Recommended Credit Score

If your food expenses include as many trips to restaurants and takeout joints as to the grocery store, the Capital One Savor Cash Rewards Credit Card makes a good companion. You’ll earn unlimited 3% cash back on dining, grocery stores and entertainment. Rewards on $5,000 a year in grocery store spending: $150.

  • For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • 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; 19.74% - 29.74% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee
  • View Rates & Fees

Pros
  • Grocery rewards: 3% cash back at grocery stores.

  • Other rewards: 3% cash back at restaurants; 3% on entertainment, including streaming services; 8% on Capital One Entertainment purchases; 5% on hotels and rental cars booked through Capital One Travel (terms apply); and 1% on all other purchases.

  • Annual fee: $0.

  • This card comes with a bonus offer that most households can easily claim with grocery spending alone: For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

  • There's also an excellent intro APR offer.

Cons
  • If you don't dine out much, you'll miss out on a big chunk of this card's value.

  • If you dine out significantly more than you eat in, you may be better off with a card that pays a higher rate at restaurants than on groceries.

Why We Like It

If your food expenses include as many trips to restaurants and takeout joints as to the grocery store, the Capital One Savor Cash Rewards Credit Card makes a good companion. You’ll earn unlimited 3% cash back on dining, grocery stores and entertainment. Rewards on $5,000 a year in grocery store spending: $150.

Our pick for

Up to 5% cash back

Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score

The Citi Custom Cash® Card automatically pays 5% in your highest-spending eligible category each month. The categories include grocery stores. Rewards on $5,000 a year in grocery store spending: $250 (assuming it's your top category each month).

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.
  • View Rates & Fees

Pros
  • Rewards: You earn 5% cash back on up to $500 spent per month in your top eligible category and 1% on all other spending.

    • Eligible categories: Grocery stores; restaurants; gas stations; streaming services; drugstores; home improvement stores; fitness clubs; select travel; select transit; live entertainment.

  • You don't have to select or "activate" your 5% category; it's automatic, so you'll always earn 5% in the category where it makes you the most money.

  • $0 annual fee.

  • Bonus offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

  • There's a strong intro APR offer, too.

Cons
  • The $500 monthly spending cap for the 5% rate means the most you can earn per month in bonus rewards is $25.

  • Because the 5% is limited to one category per month, you can end up getting only 1% cash back on a lot of purchases that other cards would pay a higher rate on.

Why We Like It

The Citi Custom Cash® Card automatically pays 5% in your highest-spending eligible category each month. The categories include grocery stores. Rewards on $5,000 a year in grocery store spending: $250 (assuming it's your top category each month).

Our pick for

Target / Walmart / wholesale club shoppers

Annual fee
$0 intro for the first year, then $95
Rewards rate
1.5%-6%
Cashback
Intro offer
$250
Recommended Credit Score

Most credit cards that offer bonus rewards on grocery store spending specifically exclude Target, Walmart and wholesale clubs. The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, on the other hand, offers outstanding rewards at those exact retailers. Rewards on $5,000 a year in grocery spending: $300 (assuming spending is done at your chosen 6% retailers).

  • 6% Cash Back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose (like Amazon.com, Walmart®, Target®and more).
  • Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
  • 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas stations & EV charging stations, or bills and home utilities).
  • 1.5% Cash Back on all other eligible purchases.
  • 5.5% Cash Back on prepaid car and hotel reservations booked directly in the Rewards Center.
  • View Rates & Fees

Pros
  • Rewards: 6% cash back on up to $1,500 a quarter in combined spending at two retailers you choose from a list; 3% on up to $1,500 per quarter in a separate category you choose; 1.5% on other purchases.

  • The 6% options include Target and Walmart, as well as other mega-retailers like Amazon, Home Depot, Best Buy and several department stores.

  • The 3% options include wholesale clubs — meaning grocery purchases at Costco, Sam's Club and the like could earn something extra.

  • The 1.5% rate on spending outside bonus categories is better than most cards' base rate.

  • There's a good bonus offer: Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.

Cons
  • There's an annual fee of $0 intro for the first year, then $95, although $31 a week in spending at your chosen retailers will return enough cash back to offset it.

  • The rewards structure requires a bit of work, since it's on you to choose your 6% and 3% options each quarter.

Why We Like It

Most credit cards that offer bonus rewards on grocery store spending specifically exclude Target, Walmart and wholesale clubs. The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, on the other hand, offers outstanding rewards at those exact retailers. Rewards on $5,000 a year in grocery spending: $300 (assuming spending is done at your chosen 6% retailers).

Our pick for

Customizable cash back

Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score

The U.S. Bank Cash+® Visa Signature® Card lets you pick two categories to earn 5% cash back and one for 2%, with grocery stores an option for the latter. Rewards on $5,000 a year in grocery store spending: $100 (when choosing it as your 2% category).

  • $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
  • 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants.
  • 1% cash back on all other eligible purchases.
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.99% - 29.24%.
  • No Annual Fee
  • Terms and conditions apply.
  • View Rates & Fees

Pros
  • Rewards: 5% cash back in two categories that you choose from a list of 12, on up to $2,000 in combined spending per quarter; unlimited 2% cash back on an "everyday" category you choose, with grocery stores as one of the options (the others are gas stations and restaurants); 1% cash back on all other purchases.

  • $0 annual fee.

  • Earn a $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.

  • This card also has an intro APR offer.

Cons
  • The rewards structure is complicated. Choosing and tracking categories each quarter can be a hassle.

  • The 5% categories are narrower than the 2% categories, including such things as fast food, home utilities, department stores, and gyms and fitness centers (see our review for the full list). Spending $2,000 per quarter to max out the bonus rewards might be a stretch for many cardholders.

Why We Like It

The U.S. Bank Cash+® Visa Signature® Card lets you pick two categories to earn 5% cash back and one for 2%, with grocery stores an option for the latter. Rewards on $5,000 a year in grocery store spending: $100 (when choosing it as your 2% category).

Our pick for

2% cash back on everything

Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score

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