The best grocery credit cards for 2021

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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.

Apply now for American Express® Gold Card at American Express's secure site
Terms & restrictions apply. See rates & fees
Best for big U.S. supermarket spenders.
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4/5
3 - 4X points
more info
  • 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.
  • 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.
60,000 points
details Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Intro Bonus tooltip Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$250

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

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 Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4/5
1 - 6% cash-back
more info
  • 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
  • 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
$300
details Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Intro Bonus tooltip Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$300
$0 introductory annual fee for the first year, then $95.

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.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • 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 a $300 statement credit after you spend $3,000 in 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 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each 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% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 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.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • 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 a $300 statement credit after you spend $3,000 in 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 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each 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% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 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.
  • 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 a no-annual-fee grocery card.
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
3.5/5
1 - 8% cash-back
more info
  • 8% Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.
  • 8% Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.
$200
details Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Intro Bonus tooltip Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
$200
$0

Why we chose it

The Capital One SavorOne is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.

Pros

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • This card is better for beginners since it's easier to be approved for than the Capital One Savor Cash Rewards Credit Card

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards
  • The sign-up bonus isn't anything to write home about (though it is easy to earn)
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • 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; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee

Pros

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • This card is better for beginners since it's easier to be approved for than the Capital One Savor Cash Rewards Credit Card

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards
  • The sign-up bonus isn't anything to write home about (though it is easy to earn)
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • 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; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee

The best grocery credit cards for 2021

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
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. $300
  • 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.
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.

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 a $300 statement credit after you spend $3,000 in purchases on your new Card within the first six months of card membership.

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:

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.

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.

Each card typically includes a quarter with grocery stores. For example, from July to September, you can earn 5% cash back on groceries (excluding Target and Walmart) and on select streaming services with the Chase Freedom Flex.

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 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.

Updated 10/05/21.

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