The best grocery credit cards for 2021

This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Groceries are one of the most common everyday expenses. Whether you’re an aspiring at-home chef, stocking up on frozen food or somewhere in between, you’ll want to make sure you have a credit card that will earn you bonus points or cash back on your grocery store purchases. To help with that, here are the best credit cards for grocery purchases from our partners.

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4.5/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

5 - 10X points
more info

Intro Bonus

75,000 points
details

Annual Fee

$550

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee.

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $1,500, not including any points you may earn from the temporary 10x bonus categories.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $500 in assorted annual statement credits and so much more (enrollment required).
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $550 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. (enrollment required).
  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties. Learn More.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Best for welcome offer.

The Platinum Card® from American Express

TPG Editor's Rating

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4.5/5
  • 10X Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro Bonus
tooltip

75,000 points

Annual Fee

$550

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee.

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $1,500, not including any points you may earn from the temporary 10x bonus categories.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $500 in assorted annual statement credits and so much more (enrollment required).
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $550 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. (enrollment required).
  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties. Learn More.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Best for big U.S. supermarket spenders.

American Express® Gold Card

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
Apply now for American Express® Gold Card
at American Express's secure site
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

3 - 4X points
more info

Intro Bonus

60,000 points
details

Annual Fee

$250

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4x points on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x). There’s also an up to $120 annual dining credit at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. Card must be added to Uber app to receive this benefit. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required on select benefits.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or with Amex Travel.
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months of card membership.

Cons

  • Weak on travel and everyday spending bonus categories.
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits; few travel perks and protections.
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Best for big U.S. supermarket spenders.

American Express® Gold Card

TPG Editor's Rating

tooltip
4/5
  • 4X Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro Bonus
tooltip

60,000 points

Annual Fee

$250

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4x points on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x). There’s also an up to $120 annual dining credit at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. Card must be added to Uber app to receive this benefit. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required on select benefits.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or with Amex Travel.
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months of card membership.

Cons

  • Weak on travel and everyday spending bonus categories.
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits; few travel perks and protections.
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

1 - 6% cash-back
more info

Intro Bonus

Up to $350
details

Annual Fee

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

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee that’s waived the first year.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • You’ll only pay a $95 annual fee, and it’s waived in the first year.
  • The card comes with access to Amex Offers (enrollment required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap per year on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 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 and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees
Best for cash back.

Blue Cash Preferred® Card from American Express

TPG Editor's Rating

tooltip
4/5
  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% 6% Cash Back on select U.S. streaming subscriptions
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

Intro Bonus
tooltip

Up to $350

Annual Fee

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

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee that’s waived the first year.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • You’ll only pay a $95 annual fee, and it’s waived in the first year.
  • The card comes with access to Amex Offers (enrollment required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap per year on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 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 and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees
Best for redeeming points on groceries.

Chase Sapphire Reserve®

TPG Editor's Rating
tooltip

4.5/5
at Chase's secure site

Rewards

1 - 3X points
more info

Intro Bonus

60,000 points
details

Annual Fee

$550

Recommended Credit

740-850
Excellent
more info
Why we chose it

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, generous 3x points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card.

Pros

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access to Chase Ultimate Rewards hotel and airline travel partners.
  • Unlimited 3x points on the broad category of travel and dining.
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Reward.

Cons

  • Steep initial $550 annual fee.
  • May not make sense for people that don't travel frequently.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best for redeeming points on groceries.

Chase Sapphire Reserve®

TPG Editor's Rating

tooltip
4.5/5
  • 3X 3X points on travel immediately after earning your $300 travel credit.
  • 3X 3X points on dining at restaurants including eligible delivery services, takeout and dining out.
  • 1X 1 point per $1 spent on all other purchases

Intro Bonus
tooltip

60,000 points

Annual Fee

$550

Recommended Credit
tooltip

740-850
Excellent
Why we chose it

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, generous 3x points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card.

Pros

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access to Chase Ultimate Rewards hotel and airline travel partners.
  • Unlimited 3x points on the broad category of travel and dining.
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Reward.

Cons

  • Steep initial $550 annual fee.
  • May not make sense for people that don't travel frequently.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

The best grocery credit cards for 2021

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
The Platinum Card® from American Express Best for welcome offer. 75,000 points
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$550
American Express® Gold Card Best for big U.S. supermarket spenders. 60,000 points
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$250
Blue Cash Preferred® Card from American Express Best for cash back. Up to $350
  • 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 on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases
$0 introductory annual fee for the first year, then $95.
Chase Sapphire Reserve® Best for redeeming points on groceries. 60,000 points
  • 3X points on travel immediately after earning your $300 travel credit.
  • 3X points on dining at restaurants including eligible delivery services, takeout and dining out.
  • 1 point per $1 spent on all other purchases
$550
Capital One SavorOne Cash Rewards Credit Card Best for a no-annual-fee grocery card. $200
  • Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • Earn 1% on all other purchases.
$0

Our take on the best credit cards for groceries

Let’s do a deeper dive into the details of each card. We’ll be focusing not only on grocery store spending but also the value you can get out of each card in your first year of card membership.

The Platinum Card from American Express: Best for welcome offer

Supermarket rewards: Earn 10x on eligible purchases on your new card at U.S. gas stations and U.S. supermarkets, on up to $15,000 in combined purchases, during your first six months of card membership.

Other rewards and perks: Earn 5x on airfare purchased directly with the airlines or through Amex Travel (on up to $500,000 on these purchases each calendar year) and 5x points on prepaid hotels booked with Amex Travel. The card also comes with an abundance of travel perks and benefits.

Welcome offer: Earn 75,000 Membership Rewards points after you spend $5,000 on purchases in your first six months of card membership (valued by TPG at $1,500). However, be sure to check the CardMatch tool to see if you’re targeted for a higher welcome offer (offer subject to change at any time).

Annual fee: $550 (see rates and fees).

Keep in mind: The Amex Platinum is not normally considered a top card for groceries. In fact, the card is typically only best for eligible travel spending. But new cardholders can take advantage of an elevated welcome offer that does make the Amex Platinum a great card for grocery spending at U.S. supermarkets in the first six months of card membership. Right now, you’ll earn 10x on eligible U.S. supermarket spending (an impressive 20% return according to TPG valuations).

Of course, the Amex Platinum also comes with a knockout list of perks. It is an asset in any frequent traveler’s wallet — from lounge access to valuable travel redemption options. Enrollment required for select benefits.

Further reading:

American Express Gold Card: Best for big supermarket spenders

Supermarket rewards: You can earn 4x at U.S. supermarkets on up to $25,000 per calendar year in purchases (then 1x).

Other rewards and perks: With this card, you’ll earn 4x on groceries at U.S. supermarkets and dining at restaurants, 3x on flights booked directly with airlines or on Amex Travel and 1x on other purchases. You’ll earn several statement credits: up to $10 in monthly dining statement credits when you pay with your card at participating partner restaurants (up to $120 total per calendar year) and up to $10 in monthly Uber Cash for Uber rides and Uber Eats orders (up to $120 total per calendar year). Card must be added in Uber app to receive the Uber Cash benefit. Enrollment required for select benefits. There are no foreign transaction fees (see rates and fees).

Welcome bonus: Earn 60,000 Membership Rewards points after you make $4,000 in purchases in your first six months of card membership — though be sure to check the CardMatch tool to see if you’re targeted for a higher welcome offer (targeted offer subject to change at any time).

Annual fee: $250 (see rates and fees).

Keep in mind: Although this card has great bonuses for spending at supermarkets (not including superstores and warehouse clubs) and restaurants, you’ll want to use a different card on gas purchases. Make sure you use the monthly dining credits and Uber Cash because they can effectively offset the annual fee. Enrollment required for select benefits.

Further reading:

Blue Cash Preferred Card from American Express: Best for cash back

Supermarket rewards: With this card, you’ll earn 6% cash back at U.S. supermarkets on up to $6,000 per calendar year in purchases (then 1%).

Other rewards and perks: You’ll also earn 6% cash back on select U.S. streaming services, 3% cash back at U.S. gas stations, 3% cash back on transit and 1% back on other purchases. Yes — this card essentially pays you to watch Netflix. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

Welcome bonus: Earn 20% back on Amazon.com purchases on the card within the first six months of card membership, up to $200 back. Plus, earn $150 back after you spend $3,000 in purchases on the card within the first six months of card membership. You will receive cash back in the form of statement credits.

Annual fee: $0 introductory annual fee for the first year, then $95 (see rates and fees).

Keep in mind: When it comes to earning grocery rewards, not all stores are treated equally. Note that American Express says you won’t earn 6% cash back at superstores (like Walmart or Target) or warehouse clubs. Meanwhile, with bonus cash back at U.S. gas stations and on transit, this card is a great option for the average household’s most common expenses, making it one of the best cash-back credit cards and one of the overall best credit cards on the market for consumers today.

Further reading:

Chase Sapphire Reserve: Best for redeeming on groceries

Grocery rewards: Through Sept. 30, 2021, Chase Sapphire Reserve customers can redeem points at 1.5 cents apiece to offset purchases made at grocery stores.

Other rewards and perks: The Chase Sapphire Reserve is one of the best travel credit cards for frequent travelers, in part because of its earning structure, in part because of its extensive travel protections and in part because of the many benefits it offers cardholders. While the card does charge a steep annual fee, perks such as Priority Pass lounge access, an annual $300 travel credit and an up-to-$100 Global Entry/TSA PreCheck application fee credit help make up the cost.

Of course, many of those perks aren’t as valuable if you’re not traveling frequently right now. To help combat that, Chase added a number of temporary perks for cardholders. One of those benefits is the Pay Yourself Back feature, which allows you to redeem Ultimate Rewards points for non-travel purchases. Through Sept. 30, 2021, Chase Sapphire Reserve customers can redeem points at 1.5 cents apiece to offset purchases made at grocery stores, home improvement stores and dining establishments, including takeout and delivery services.

Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 in the first three months from account opening.

Annual fee: $550.

Keep in mind: The perks and benefits that make the Chase Sapphire Reserve an excellent choice for groceries right now are temporary.

Further reading: 

Capital One SavorOne Rewards Credit Card: Best no-annual-fee card for groceries

Grocery rewards: You can earn 3% cash back on grocery store purchases (excluding superstores like Walmart® and Target®).

Other rewards and perks: You’ll also earn 3% cash back on dining, entertainment and popular streaming services. Earn 1% on everything else. There are no foreign transaction fees with this card.

Sign-up bonus: Earn $200 once you spend $500 on purchases within the first three months of account opening. 

Annual fee: $0

Keep in mind: Capital One just recently added this grocery store bonus to this card, making it one of the top no-annual-fee cash-back cards out there. Note that this bonus does not include Walmart or Target purchases. You can redeem cash back for any amount (with no minimums), making it easier than ever to get rewarded. 

Further reading:

The Amex EveryDay Preferred Credit Card from American Express: Best low-annual-fee card

Supermarket rewards: You can earn 3x at U.S. supermarkets on up to $6,000 per calendar year in purchases (then 1x).

Other rewards and perks: You’ll earn 2x at U.S. gas stations and 1x points on other purchases. If you use your card 30 or more times on purchases in a billing period, you’ll earn 50% more points on those purchases (minus returns and credits).

Welcome bonus: Earn 15,000 Membership Rewards points after you make $1,000 in purchases in your first three months of card membership — but check the CardMatch tool to see if you’re targeted for a higher welcome offer (targeted offer subject to change at any time).

Annual fee: $95

Keep in mind: Since this card is a part of Amex’s Membership Rewards program, you’ll earn points instead of cash back on your purchases. However, points are more valuable than the standard 1 cent each you’ll find with most cash-back cards — 2 cents each, to be exact, according to TPG’s latest valuations.

In other words, for every dollar you spend at supermarkets (not including superstores and warehouse clubs), you’ll earn 3 points, worth up to 6 cents. If you hit 30 monthly transactions, those 3 points per dollar spent turn into 4.5 points per dollar spent. That’s worth 9 cents in our book, making this the most valuable grocery card available if you use it 30 times a month.

Better yet, you can transfer American Express Membership Rewards points to partners such as ANA and Delta for maximum value.

The information for the Amex EveryDay Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Further reading:

Target RedCard: Best for shopping at Target

Grocery rewards: You’ll earn 5% savings on qualifying purchases at Target.

Sign-up bonus: The Target RedCard does not offer a sign-up bonus.

Annual fee: $0.

Keep in mind: You can only use this card at Target, but with it, you’ll save 5% on all the shopping you do here. You can’t actually redeem points for anything, though, and the card is offered as either a debit or credit card.

Further reading:

The information for the Target Red Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

Amazon Prime Rewards Visa Signature Card: Best for Amazon and Whole Foods purchases

Grocery rewards: You’ll earn 5% cash back at Whole Foods and on Amazon.com purchases with this card.

Other rewards and perks: You’ll also earn 2% cash back at restaurants, gas stations and drugstores. There are no foreign transaction fees.

Sign-up bonus: With this card, you get a $100 Amazon gift card upon approval.

Annual fee: None, but you must have an Amazon Prime membership, at $119 a year.

Keep in mind: If you shop for groceries at Whole Foods, this card is especially valuable. The added benefit of free shipping on eligible Amazon orders can easily make getting an Amazon Prime Membership worthwhile beyond the rewards from this card.

Further reading:

The information for the Amazon Prime Rewards Visa Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

The Amex EveryDay Credit Card from American Express: Best no-annual-fee card

Supermarket rewards: You’ll earn 2x at U.S. supermarkets on up to $6,000 per calendar year in purchases (then 1x).

Other rewards and perks: You’ll also earn 1x on other purchases. If you use your card 20 or more times on purchases in a billing period, you’ll earn 20% more points on those purchases (minus returns and credits).

Welcome bonus: With this card, you can earn 10,000 Membership Rewards points after making $1,000 in purchases in your first three months of card membership.

Annual fee: $0.

Keep in mind: This card earns fewer points than the EveryDay Preferred, but it also doesn’t have an annual fee.

In the long term, if you only put groceries on these cards, the break-even point between the EveryDay and the EveryDay Preferred is $4,750. This factors in the annual fee on the EveryDay Preferred, but doesn’t factor in the bonuses on hitting 20 or 30 transactions in a billing period.

If you spend significantly less on groceries annually, the Amex EveryDay card will likely be the better choice.

The information for the Amex EveryDay has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

Further reading:

Maximizing online grocery orders

If you don’t have a grocery store nearby, don’t have the time to go to the store or simply want to avoid the crowds, then ordering your groceries online may be the way to go.

Related: Your definitive guide to online grocery delivery services

The aforementioned credit cards can be equally as rewarding — but to be safe, we’ve broken down how each grocery service codes for each issuer.

Instacart

Instacart delivers groceries from thousands of local grocery stores. New customers can get up to 14 days of free express delivery and current customers may be eligible for free delivery on orders of $35 or more.

Amex codes Instacart orders as “groceries,” therefore you should consider using the Amex Gold card (4x at U.S. supermarkets on the first $25,000 in purchases per calendar year, then 1x), the Amex EveryDay Preferred Credit Card (3x on up to $6,000 per year) or the Blue Cash Preferred (6% cash back on up to $6,000 per calendar year, then 1%).

Fresh Direct

Amex also codes Fresh Direct orders as “supermarkets,” therefore you should consider using the Amex Gold card (4x at U.S. supermarkets on the first $25,000 in purchases per calendar year, then 1x), the Amex EveryDay Preferred Credit Card (3x on up to $6,000 per year) or the Blue Cash Preferred (6% cash back on up to $6,000 per calendar year, then 1%).

Amazon

Amazon offers several grocery delivery services, including Prime Now, Amazon Fresh and Whole Foods.

If you’re a loyal Amazon Prime member, you may want to opt for the Amazon Prime Rewards Visa Signature Card, as it will save you 5% on groceries. However, Chase often has special offers for Amazon grocery services where you can save up to 10% on orders. In that case, it’s better to use a card such as the Chase Freedom Unlimited. Just don’t forget to activate your Chase Offer.

If you’re an Amex cardholder, you should consider using the Amex Gold card (4x at U.S. supermarkets on the first $25,000 in purchases per calendar year, then 1x), the Amex EveryDay Preferred Credit Card (3x on up to $6,000 per year) or the Blue Cash Preferred (6% cash back at U.S. supermarkets on up to $6,000 per calendar year, then 1%).

Walmart Grocery

Similar to Amazon, Chase also frequently offers special promotions for Walmart Grocery. For example, we’ve heard reports of people earning $5 back on orders of $50 or more.

However, a more rewarding points option would be to use the Amex Gold card, the Amex EveryDay Preferred Credit Card, or the Blue Cash Preferred.

How can you earn rewards with grocery cards?

Earning rewards with grocery credit cards couldn’t be easier. If you think about it, the monthly grocery shopping bill is likely to be one of the single biggest spending categories for families, and even couples and those living on their own. And where there’s money being spent, there are rewards to be earned.

For example, the Amex Platinum will earn you 10 points per dollar spent in the first six months of card membership at U.S. supermarkets (up to $15,000 in combined spending). Let’s say you spend $200 per month on groceries at U.S. supermarkets, which stacks up quickly to 12,000 points over your first six months of membership. What’s more, that’s money you would have been spending anyway.

If you’re more interested in getting cash back than earning points, cards such as the Amazon Prime Rewards Visa Signature Card might be for you. It’ll earn you 5% cash back on spending at Whole Foods as well as Amazon.com purchases. There are other cash-back grocery cards where earning rewards is not limited to spending at certain retailers.

In most cases, cards that earn rewards or cash back for grocery spending will also earn rewards in other categories, too. It’s worth making sure you go for a card, or even multiple cards, that compliment all your spending habits, rather than just focusing on groceries.

Other good grocery credit card options

What is the best grocery credit card with rotating categories?

Another great card for rotating bonus categories is the Discover it Cash Back. Like the Chase Freedom Flex, you’ll get 5% cash back in rotating categories each quarter. There’s a maximum of $1,500 spent on purchases each quarter if you activate the bonus, so just keep that in mind.

The information for the Discover it Cash Back has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The first quarter of 2021 included grocery stores as a bonus category, and it does tend to pop up throughout the year.

Related: Ultimate guide to the best cards for each bonus category

Which is the best small-business card for grocery shopping?

If you’re willing to put in some work, using business credit cards with an office supply store bonus — such as the Ink Business Cash Credit Card — to buy gift cards toward grocery shopping could help you earn 5% cash back (on up to $25,000 per account anniversary year in combined purchases for the Ink Cash). You may find a limited selection of grocery store gift card options at most office supply stores, however, and some stores may place limits on the use of credit cards when purchasing gift cards.

What are the cash-back choices best for grocery shopping?

The Blue Cash Everyday® Card from American Express is another solid cash-back option when shopping for groceries at U.S. supermarkets. It doesn’t have an annual fee (see rates and fees) and you can earn 3% cash back on the first $6,000 you spend at U.S. supermarkets each calendar year (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

The Bank of America® Customized Cash Rewards credit card can also be a rewarding choice for grocery shopping, especially if you bank with Bank of America and qualify for its Preferred Rewards program. The Bank of America Customized Cash Rewards credit card lets you choose your 3% cash-back bonus category from gas, online shopping, dining, travel, drugstores and home improvement or furnishing stores. You’ll also earn 2% back on grocery and wholesale club stores on up to $2,500 spent on combined purchases each quarter (then 1%).

With the highest rewards level in Bank of America’s Preferred Rewards program, that can amount to 3.5% back on groceries on a card with no annual fee.

Finally, if you’re looking for the best credit card for groceries purchased outside the U.S., you’ll likely do best with a general spending card without foreign transaction fees.

Bottom line

Everyone needs groceries — so do yourself a favor and take advantage of a card that offers bonus points on supermarket purchases or online grocery delivery services. Keep in mind that the best card for groceries may not be the best card for other transactions, such as dining out at restaurants.

Related: The best credit cards to use for food delivery services

But before you head to the grocery store or place that next Instacart order, make sure at least one of the above cards is in your wallet. You’ll be racking up plenty of travel rewards or cash back in no time.

Additional reporting by Stella Shon and Mike Cetera.

For rates and fees of the Amex Platinum card, click here.
For rates and fees of the Amex Gold Card, please click here.

For rates and fees of the Blue Cash Preferred Card, please click here.
For rates and fees of the Blue Cash Everyday card, click here.

Chris Dong
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