10 Best Credit Cards for Groceries of November 2024
Updated: Nov 7, 2024+ 2 more+ 2 more
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.
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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.
Why trust NerdWallet
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.
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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.
Why trust NerdWallet
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.
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.
Why trust NerdWallet
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.
Why trust NerdWallet
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
Blue Cash Preferred® Card from American Express: Best for Highest rewards rate
Capital One Savor Cash Rewards Credit Card: Best for Frequent restaurant diners
American Express® Gold Card: Best for Travel rewards and perks
Citi Custom Cash® Card: Best for Up to 5% cash back
U.S. Bank Cash+® Visa Signature® Card: Best for Customizable cash back
Citi Double Cash® Card: Best for 2% cash back on everything
Blue Cash Everyday® Card from American Express: Best for Ongoing high cash back with no annual fee
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card: Best for Target / Walmart / wholesale club shoppers
Prime Visa: Best for Amazon and Whole Foods
Citi Strata Premier℠ Card: Best for Travel rewards
Show SummaryHide Summary
Best Credit Cards for Groceries
Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Apply Now on American Express' website on American Express' website | Best for Highest rewards rate | $0 intro annual fee for the first year, then $95. | 1%-6% | $250 | Apply Now on American Express' website on American Express' website |
Apply Now on American Express' website on American Express' website | Best for Ongoing high cash back with no annual fee | $0 | 1%-3% | $200 | Apply Now on American Express' website on American Express' website |
Apply Now on Citibank's application on Citibank's application | Best for Up to 5% cash back | $0 | 1%-5% | $200 | Apply Now on Citibank's application on Citibank's application |
Apply Now on Capital One's website on Capital One's website | Best for Frequent restaurant diners | $0 | 1%-8% | $250 | Apply Now on Capital One's website on Capital One's website |
Apply Now on U.S. Bank's website on U.S. Bank's website | Best for Customizable cash back | $0 | 1%-5% | $200 | Apply Now on U.S. Bank's website on U.S. Bank's website |
Apply Now on U.S. Bank's website on U.S. Bank's website | Best for Target / Walmart / wholesale club shoppers | $0 intro for the first year, then $95 | 1.5%-6% | $250 | Apply Now on U.S. Bank's website on U.S. Bank's website |
Apply Now on Citibank's application on Citibank's application | Best for 2% cash back on everything | $0 | 1%-5% | $200 | Apply Now on Citibank's application on Citibank's application |
Apply Now on Citibank's application on Citibank's application | Best for Travel rewards | $95 | 1x-10x | 70,000 points | Apply Now on Citibank's application on Citibank's application |
Apply Now on Amazon.com's website on Amazon.com's website | Best for Amazon and Whole Foods | $0 | 1%-5% | $200 | Apply Now on Amazon.com's website on Amazon.com's website |
Best for Travel rewards and perks | $325 | 1x-4x | 60,000 points |
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.
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.
Highest rewards rate
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 Take
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.
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.
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.
Ongoing high cash back with no annual fee
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.
Product Details
- 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
Our Take
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.
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.
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.
Frequent restaurant diners
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.
Product Details
- 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
Our Take
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.
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.
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.
Up to 5% cash back
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).
Product Details
- 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
Our Take
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.
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.
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).
Target / Walmart / wholesale club shoppers
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).
Product Details
- 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
Our Take
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.
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.
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).
Customizable cash back
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).
Product Details
- $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
Our Take
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.
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.
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).
2% cash back on everything
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.