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What Are the Best Credit Cards for Grocery Store Spending?

Dec. 3, 2018
Cash Back Credit Cards, Credit Cards, Rewards Credit Cards, Travel Credit Cards
What Are the Best Credit Cards for Grocery Store Spending?
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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

If you spend a lot of money at the grocery store, it’s smart to look for a credit card that rewards you for all that spending. You and your family have to eat — you might as well earn extra points or cash back for every gallon of milk you buy.

Below you’ll find NerdWallet’s favorite credit cards for big grocery spenders. Let’s dig in!

Our overall favorite

Blue Cash Preferred® Card from American Express

When it comes to cash back at U.S. supermarkets, the Blue Cash Preferred® Card from American Express is the industry champ. With it, you’ll earn an eye-popping 6% cash back on every dollar spent at U.S. supermarkets (up to $6,000 spent per year — then 1%), 3% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases.

The Blue Cash Preferred® Card from American Express also offers an introductory bonus: $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

There is an annual fee of $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 any rewards earned on spending in the card’s other bonus categories.

» MORE: NerdWallet’s best cards for entertainment spending

For cash back with no annual fee

Blue Cash Everyday® Card from American Express

If you’re dead-set against paying an annual fee, consider the Blue Cash Everyday® Card from American Express, which earns 3% back at U.S. supermarkets (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. It, too, has a welcome offer: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply. Keep in mind, though, that if you’re spending at least $61 per week at the supermarket, you’re actually better off paying the annual fee on the Blue Cash Preferred® Card from American Express to get the higher rewards rate.

» MORE: Is it worth paying an annual fee for a credit card?

Capital One® SavorOne℠ Cash Rewards Credit Card

If your food expenses include as many trips to restaurants and fast-food joints as they do to the grocery store, the Capital One® SavorOne℠ Cash Rewards Credit Card could be a faithful foodie friend. You’ll earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. In addition to the $0 annual fee, there’s also a sign-up bonus: Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

U.S. Bank Cash+™ Visa Signature® Card

The U.S. Bank Cash+™ Visa Signature® Card gives cardholders a choose-your-own-adventure experience every quarter, allowing you to select one unlimited 2% cash-back category from a list of three, which as of November 2018 includes grocery stores. You also get to 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. You must choose your categories each quarter. Additionally, you can earn a New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening. For similar rotating bonus categories with a little less to keep track of, you could also consider the Chase Freedom® and select Discover cards like the Discover it® Cash Back.

Bank of America® Cash Rewards credit card

With the Bank of America® Cash Rewards credit card, you can earn 2% cash back at grocery stores and wholesale clubs, and 3% cash back on gas purchases, up to $2,500 in combined spending per quarter. Plus, you’ll get 1% cash back on all other purchases. Those aren’t the highest rates you can find, but they can get better if you’re a Bank of America® customer. If you have a checking or savings account with the issuer, you can get a 10% bonus on the points you redeem into your account, which pushes your effective reward rates higher. And if you qualify for Bank of America®’s Preferred Rewards program (dependent on type of account and total amount of your assets), you’ll have the opportunity to earn a points dividend of 25%, 50% or 75%. In addition, the Bank of America® Cash Rewards credit card carries a sign-up bonus: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.

Citi® Double Cash Card – 18 month BT offer

Maybe you’re not interested in keeping track of bonus categories at all and just want a simple cash-back card with a high flat rate on everything you buy — groceries included. The Citi® Double Cash Card – 18 month BT offer could be the card for you. It earns 2% back on all purchases: 1% when you buy and 1% back when you pay it off. The annual fee is $0.

For travelers

American Express® Gold Card

The American Express® Gold Card earns 4 Membership Rewards points per dollar spent at U.S. supermarkets on up to $25,000 per year in purchases. And if you’re tired of cooking? You can also earn 4 points per dollar at U.S. restaurants, with no annual cap. Terms apply. There’s also a welcome offer: Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months. Terms Apply. Points are worth half a cent to 1 cent each, depending on what you redeem them for. While the $250 annual fee is hefty, other card benefits help offset the cost. Cardholders get a $100 annual airline fee credit to cover incidental expenses. Plus, if you enroll, you’ll get $10 per month in statement credits when you use the card at participating restaurants or on Grubhub or Seamless. Terms apply.

PenFed Platinum Rewards Visa Signature® Card

The PenFed Platinum Rewards Visa Signature® Card earns 5 points per dollar on gas at the pump, 3 points per dollar on supermarket purchases, and 1 point on all other purchases. The annual fee is $0, and the card also has a sign-up bonus: $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening. There are no caps on rewards, and you can redeem points for travel, merchandise or gift cards. Travel will typically yield the best redemption value — potentially higher than a penny a point — but otherwise points are generally worth less than a penny each, and cash back is not an option. You’ll also have to be a member of PenFed’s credit union to apply.

Hilton Honors American Express Card

With the Hilton Honors American Express Card, you can earn 5 Hilton Honors bonus points for each dollar spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, along with 7 points per dollar spent on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands. Other purchases earn 3 points per dollar. Terms apply. Additionally, the card has a welcome offer: Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership. Terms Apply. The annual fee is $0. Hilton Honors points are worth an average of about 0.5 cents each, according to NerdWallet valuations, which is lower than the industry-standard value of around a penny per point.

American Airlines AAdvantage MileUp Card

Booking a flight on American Airlines in the future? The American Airlines AAdvantage MileUp Card can boost your stockpile of miles with a sign-up bonus, which the issuer phrases this way: “NEW: Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening*.” In terms of ongoing rewards, cardholders will also earn 2 miles for each $1 spent at grocery stores and on eligible American Airlines purchases, and 1 mile per dollar on everything else. The annual fee is $0.

» MORE: American Airlines AAdvantage program: The complete guide

For brand loyalists

Costco Anywhere Visa® Card by Citi

If wholesale club shopping is how you prefer to get your groceries, 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.

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 — you could also 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. There is no annual fee, aside from your Prime membership fee.

Target REDcard

And if you’re not interested in annual fees or membership dues, the Target REDcard might work for you, assuming you can do enough of your grocery shopping there. You won’t earn rewards in the traditional sense, but you will get 5% off nearly every Target purchase you make, whether in store or online.

Information related to the Amazon Prime Rewards Visa Signature Card and the Target REDcard has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.