Best grocery credit cards of August 2026
Groceries are among the most common household expenses, which is why having one of the best grocery credit cards in your wallet just makes sense. Stocking up on groceries presents a great opportunity to earn credit card rewards, whether you’re looking for cash back to go right back into your household’s bottom line or travel rewards for your next getaway.
To help you find the best card that suits your needs, our team of experts has compiled this list of contenders that will help you maximize earnings at the grocery store — and may offer other bonuses and perks as well.
Check out our curated selection and comprehensive guide on some of the best grocery cards from our partners below.
- American Express® Gold Card: Best for big U.S. supermarket spenders
- Blue Cash Preferred® Card from American Express: Best for cash back
- Citi Strata℠ Card: Best for Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card
- Chase Sapphire Preferred® Card: Best for earning Chase points
- Blue Cash Everyday® Card from American Express: Best for simple cash back
- Citi Strata Premier® Card: Best for starter travel
- Capital One Savor Cash Rewards Credit Card: Best for a no-annual-fee grocery card
- Hilton Honors American Express Surpass® Card: Best for low annual fee
- Hilton Honors American Express Card: Best for no annual fee
- Chase Freedom Flex®: Best for rotating bonus categories
Browse by card categories
Comparing the best grocery cards
Best for big U.S. supermarket spenders
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus 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. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 6% | Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%). |
| 6% | Earn 6% cash back on select U.S. streaming subscriptions. |
| 3% | Earn 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases. |
| 1% | Earn 1% cash back on other purchases. |
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. Read our full review of the Blue Cash Preferred Card.
Pros
- This card has one of the best earning structures out for among cash-back credit cards.
- 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.
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- See Rates & Fees
Best for Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card
at Citi's secure site
Terms & restrictions apply. See rates & fees.
| 5X | Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com. |
| 3X | Earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. |
| 3X | Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. |
| 2X | Earn 2 ThankYou® Points for each $1 spent at Restaurants. |
| 1X | Earn 1 ThankYou® Point for each $1 spent on All Other Purchases. |
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
Pros
- No annual fee
- Solid reward rates in popular bonus categories
- Flexibility to self-select a bonus category that earns 3 points per dollar spent
Cons
- Available self-select bonus categories may not be suitable for everyone
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
Best for earning Chase points
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, vacation homes, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs). |
| 2x | Earn 2x on all other travel purchases. |
| 1x | Earn 1x on all other purchases. |
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Pros
- Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
- Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
- Versatile airline and hotel transfer partners
- Features up to $100 in annual hotel credits through Chase Travel℠
Cons
- Has an annual fee
- No airport lounge access
- Transfers to Hyatt at a lower rate than other Sapphire cards
- Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs
- Member FDIC
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3% | Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). |
| 1% | Earn 1% cash back on all other eligible purchases. |
The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our full review of the Blue Cash Everyday Card from American Express.
Pros
- 3% cash back at U.S. supermarkets (on up to $6,000 per year on purchases)
- No annual fee.
- 3% cash back at U.S. gas stations and U.S. online retail purchases (on up to $6,000 per year on purchases)
- Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)
Cons
- There is a $6,000 spending cap on the U.S supermarkets bonus category, which may not work for those with larger annual grocery spend.
- You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Comparing the best grocery cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
New ways to get rewarded at American Express's secure site | big U.S. supermarket spenders | As High As 100,000 points. Find Out Your Offer. Open Intro bonus You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. | 1 - 5X points Open Rewards rates
| $325 | ||||||||||||
at American Express's secure site | cash back | As High As $300 Cash Back. Find Out Your Offer. Open Intro bonus You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply. | 1 - 6% cash-back Open Rewards rates
| $0 intro annual fee for the first year, then $95. | ||||||||||||
at Citi's secure site | Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card | Earn 20,000 bonus Points Open Intro bonus Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening. | 1 - 5X points Open Rewards rates
| $0 | ||||||||||||
Last Chance: Offer Ends 7/30 at 3pm ET at Chase's secure site | earning Chase points | 100,000 bonus points Open Intro bonus Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. 75,000 bonus points | 1 - 5X points Open Rewards rates
| $95 | ||||||||||||
at American Express's secure site | simple cash back | As High As $200 Cash Back. Find Out Your Offer. Open Intro bonus You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply. | 1 - 3% cash-back Open Rewards rates
| $0 |
More details on the best grocery credit cards
The Amex Gold consistently delivers top-tier returns on everyday spending, especially for dining and groceries, while offering flexible travel redemption options through Amex Membership Rewards or transfer partners.
Food lovers, frequent diners, and anyone who spends heavily on groceries and wants to earn meaningful rewards.
If dining and groceries make up a big part of your budget, this card can quickly rack up rewards while offering travel and lifestyle benefits that offset the annual fee.
If you're looking to really maximize every trip you make to the grocery store, consider the Blue Cash Preferred® Card from American Express. It offers a killer cash back rate on U.S. supermarket purchases that add up quickly and can be redeemed in several ways, including as a statement credit or at Amazon.com checkout (6% on the first $6,000 each year, then 1%).
This low-annual-fee cash-back card has multiple high-value bonus categories that are easy for cardholders to maximize. Plus, the card has a few additional perks, including statement credits and shopping protections, that make it one of the best grocery credit cards on the market.
Infrequent travelers who want to earn cash back at U.S. supermarkets, as well as on everyday expenses such as gas, transit and streaming services.
“The Blue Cash Preferred Card is the card I recommended to my parents when they were looking for a new cash-back rewards card for their groceries. My parents prefer the simplicity of cash-back rewards, and I knew they'd benefit from earning 6% cash back on up to $6,000 per year in purchases (then 1%) at U.S. supermarkets. Compared to the 1.5% cash back they were earning on these purchases, the elevated earnings easily justified adding the Blue Cash Preferred to their wallet.” — Katie Genter, senior writer
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
If you’re looking for a no-annual-fee option, the Blue Cash Everyday® Card from American Express (see rates and fees) is a great alternative. This card earns cash back on grocery, gas and online retail purchases. Plus, you’ll get some high-value statement credits. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
The Citi Strata℠ Card offers elevated reward rates in key bonus categories that almost everyone can enjoy (think hotels, rental cars, gas, dining and more).
This card is an excellent choice for Citi ThankYou points enthusiasts who want to earn rewards across every purchase without incurring an annual fee.
If you frequently spend money at supermarkets, on transit, gas and EV charging stations and want to earn Citi ThankYou points without having to pay an annual fee, the Citi Strata should be in your wallet. It earns solid reward rates in popular bonus categories and a flat rate of 1 point per dollar spent in non-bonus categories, so you’re earning rewards every time you tap to pay.
If you don’t mind paying an annual fee and still want to stay in Citi’s ecosystem, consider the new Citi Strata Elite℠ Card. It features a hefty annual fee of $595 but offers decent value for travelers, like an up to $300 annual hotel benefit, Priority Pass Select membership and four Admirals Club lounge passes every calendar year. The Strata Elite also earns at least 1.5 points per dollar spent in nonbonus categories, making every purchase rewarding.
Cardholders earn strong rewards on travel, dining, gas, EV charging and vacation rentals while enjoying premium benefits like trip cancellation insurance and primary rental car coverage. Additional perks, including a $100 hotel credit and a credit for the Global Entry, TSA PreCheck or Nexus application fee, add meaningful value. Combined with Chase's excellent transfer partners, it's one of the strongest travel cards in the sub-$100 annual fee category.
Travelers who regularly spend on dining, streaming, vacation rentals and general travel and who want flexible ways to redeem their rewards, including the ability to transfer points to airline and hotel partners without paying a premium annual fee.
The Sapphire Preferred packs an impressive collection of rewards and benefits into a card with a modest annual fee. Elevated earning rates across several categories, statement credits that outweigh the annual fee and strong travel protections make this card easily justifiable year after year. It offers an easy entry point into earning travel rewards while still providing enough upside to satisfy more experienced travelers with valuable transfer partners.
If you prefer a simpler rewards structure, consider the Capital One Venture Rewards Credit Card. Rather than tracking multiple bonus categories, Venture cardholders earn elevated rewards on every purchase. However, travelers willing to maximize bonus categories may find greater long-term value with the Chase Sapphire Preferred thanks to its stronger earning rates on dining, gas purchases and vacation rentals, valuable transfer partners and robust travel protections.
After undergoing a refresh a couple of years back, this card now has solid earning rates and some statement credits (rare to find on a no-annual-fee credit card).
Anyone looking to earn additional cash back at U.S. supermarkets, U.S. gas stations and U.S. online retailers will benefit from having this card in their wallet. And if you like to get meal kits delivered to your house, the additional benefits offered on this card could make it the perfect choice.
“I added this card to my wallet shortly after my first travel card as a way to earn better rewards on gas and groceries. Three percent back on both categories was a great way for me to earn higher cash back on many of my everyday purchases without any added annual fee.” — Jack Markham, senior director
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
If you do your grocery shopping at Costco (which is often excluded from grocery categories on credit cards), you could also look into the Costco Anywhere Visa® Card by Citi. It also comes with no annual fee (aside from your Costco membership), but you’ll earn even more on gas station purchases. Plus, the Costco card also earns rewards at restaurants and on travel.
When you take advantage of the $100 annual hotel credit on this card, you essentially cancel out the $95 annual fee — while still being able to take advantage of solid earning rates and other benefits the Strata Premier offers.
The Citi Strata Premier is a good card for both occasional and frequent travelers who will take advantage of the annual $100 hotel credit and elevated travel bonus rates.
Even if you only travel a few times each year, this card basically pays for itself when you utilize its perks and benefits.
If you’re seeking a more premium travel card that earns miles instead of points, consider the Capital One Venture X Rewards Credit Card. The Venture X earns a flat rate of 2 miles per dollar spent across all purchases with the exception of 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel and 5 miles per dollar spent on flights and vacation rentals also booked within the Capital One Travel portal.
For a no-annual-fee card, the Capital One Savor card comes with a generous rewards structure that will help you rack up cash back quickly. It’s a no-hassle way to earn rewards on groceries, dining, entertainment purchases, streaming service subscriptions and more.
People who want a no-annual-fee card for everyday expenses alongside entertainment experiences such as concerts (The Eras Tour, anyone?), movie tickets and more.
Very few no-annual-fee cards have a rewards rate that matches the Savor. Turn your monthly grocery expenses into a cash-back fund for your next concert adventure, or save money while staying in and watching your favorite streaming platform. Either way, the Savor is a great addition to your wallet.
If you want to stick with Capital One but are looking for a card that offers solid reward rates on all purchases and includes some travel perks, consider the Capital One Venture Rewards Credit Card.
This midrange hotel card offers plenty of valuable benefits, including automatic Hilton Honors Gold elite status, and the ability to earn a free night reward from Hilton Honors after you spend $15,000 on purchases on your card in a calendar year.
If you stay with Hilton’s brands fairly frequently, but not enough to achieve Gold elite status on your own, this card is a no-brainer. What’s more, it has high everyday earning rates to help you rack up even more points even more quickly, raking in 12 points per dollar on eligible purchases at Hilton hotels; 6 points per dollar at U.S. restaurants, U.S. gas stations and U.S. supermarkets; 4 points per dollar on U.S. online retail purchases; and 3 points per dollar on all other eligible purchases.
“This card is a keeper for me in large part because of the annual free-night-reward certificate I get after spending $15,000 in a calendar year. The elevated earning rates on everyday spending categories are also a good match for many of my purchases.” — Senitra Horbrook, former credit cards editor
Want many of the same benefits (and a sizable welcome offer) without having to pay an annual fee? Consider the Hilton Honors American Express Card instead (see rates and fees). It comes with complimentary Hilton Honors Silver elite status and earns 7 points per dollar on eligible purchases at Hilton hotels; 5 points per dollar at U.S. restaurants, U.S. gas stations and U.S. supermarkets; and 3 points per dollar on all other eligible purchases.
The Hilton Honors American Express Card serves as Hilton's introductory product, offering a no-annual-fee option. With its attractive benefits of earning 7 points per dollar on eligible Hilton purchases and complimentary Hilton Honors Silver status, this card presents a reliable choice for new cardholders who are devoted to the hotel brand or prefer to avoid annual fees. However, it is worth noting that other travel cards provide greater flexibility in earning and redeeming points, along with more substantial perks.
With the Hilton Honors American Express card, you receive complimentary Silver elite status, which can be upgraded to Gold by spending $20,000 or more on the card in a calendar year. Additionally, you have the opportunity to earn bonus points not only on Hilton hotel stays but also on essential everyday purchases. These accumulated Hilton Honors points can then be redeemed for complimentary nights at your preferred properties, allowing you to make the most of your rewards.
“Long considered to be the best no annual fee hotel cobranded credit card, you can use Hilton Silver elite status to unlock the fifth night free on standard Hilton award stays. It’s one of the only ways to unlock elite status no annual fee. You can also earn bonus points on popular categories like Hilton hotels, U.S. restaurants, at U.S. supermarkets and at U.S. gas stations.” — Kyle Olsen, former points and miles reporter
By using the Hilton Honors American Express Surpass® Card, you can enjoy a generous earning rate of 12 points per dollar on eligible purchases spent at Hilton hotels. As an added benefit, the card grants automatic Gold status, providing you with valuable perks. Moreover, by making $15,000 worth of purchases in a calendar year, you have the opportunity to earn a complimentary night reward. The card also offers up to $200 in statement credits annually towards Hilton purchases, up to $50 per quarter.
The rotating categories on the Chase Freedom Flex give you a lot of flexibility in how you earn rewards throughout the year, and grocery stores are a commonly repeated rotating category. In addition to those rotating categories, you’ll earn bonus rewards on travel booked through Chase, on dining and at drugstores.
The Chase Freedom Flex is especially lucrative for travelers who have a Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or the Ink Business Preferred® Credit Card because you can combine the cash-back points earned with the Freedom Flex to turn your rewards into highly valuable Chase Ultimate Rewards points, maximizing your earning potential and redemption options.
“As a points and miles enthusiast, I’m happy to keep up with the rotating quarterly categories that earn 5% cash back. I get the most value from this card when I can max out the $1,500 quarterly limit on online purchases. My top tip for this card is to make sure that you activate the categories every quarter so that you can maximize your points-earning.” — Matt Moffitt, senior credit cards editor
Looking to earn rewards you can combine with your Chase Ultimate Rewards cards without juggling rotating categories? The no-annual-fee Chase Freedom Unlimited® is another great option. You’ll earn bonus rewards on every single purchase, so you never have to worry about activating categories or checking to see where you’ll earn the most rewards each quarter.
Credit pointers with Brian Kelly
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Getting the most out of your grocery spending
Earning bonus rewards on your grocery shopping is a top priority for many consumers. In a recent survey, 63% of TPG readers reported earning bonus rewards on grocery purchases while 46% of TPG readers rank bonus earnings at grocery stores and supermarkets as the most important perk of a credit card. The best grocery cards offer elevated earning rates and can deliver significant value to any household’s wallet.
Ask our experts
What’s your favorite grocery credit card — and why?
How to choose the best grocery credit card
- Depending on your grocery and overall food expenses, a card with an annual fee may be well worth its cost. Is the value of your earned rewards higher than your annual fee? If yes, then it is a considerable contender for your wallet. If not, we have included several great no annual fee cards so that you can get the most out of your spending.1Annual fee
- One of the primary factors in determining a card’s value is its welcome bonus. Select cards on this list offer a significant welcome bonus which should be a consideration in the card making decision. You don’t want to miss the chance to earn a welcome bonus on a card so make sure your spending aligns with you chosen credit card’s requirements.2Welcome bonus
- All of the cards on this list feature an elevated reward rate on groceries, whether it is cash back or points and miles. Many of the cards also feature additional bonus categories like dining and travel. Consider a card that earns rewards on your most common spending categories to maximize the value of those purchases.3Bonus categories
Pros + cons of grocery credit cards
Pros
- Credit cards that earn rewards on groceries can help you earn valuable rewards that you can use toward travel and more.
- Many grocery credit cards also offer rewards in other categories, such as dining or travel.
- When used responsibly, grocery credit cards can help you build your credit score.
- Many of the top grocery credit cards charge no annual fee.
- Credit cards offer fraud protection, so using a grocery credit card at the store can help protect your financial security.
Cons
- Not paying off your credit card in full each month can lead to interest charges that negate your earned rewards.
- Most grocery credit cards don’t earn bonus rewards in all categories, so you might need other cards to maximize earning across all of your monthly expenses.
- Many grocery credit cards require a good credit score, which means those who have never had a credit card before (or have a low score from past spending) might not be approved.
- Opening new lines of credit can negatively impact your credit score, which could affect things like any upcoming mortgage or loan applications.
Frequently asked questions
The short answer? No.
Each credit card issuer has its own criteria for what it classifies as a grocery store or supermarket purchase. For example, while you may buy a lot of groceries at a big-box store such as Walmart or Target, many credit cards that earn rewards on groceries actually exclude those chains.
Additionally, some issuers include specialty markets like butchers in their definition of grocery stores, but others do not.
Before signing up for a grocery store credit card, make sure to check that you’ll be able to earn rewards with it at your local grocery store and that it suits your specific needs.
The best card for you will depend on various factors, including your spending habits and financial goals. However, there are plenty of great options included in our list of best grocery credit cards if you’re interested in a card that doesn’t carry an annual fee:
- Blue Cash Everyday® Card from American Express (see rates and fees)
- Capital One Savor Rewards Credit Card (see rates and fees)
- Chase Freedom Flex®
Additionally, you might be interested in specific store cards that carry no annual fee, if you are a loyal shopper at these retailers for groceries:
- Prime Visa (no annual fee for the card itself, but you do need an Amazon Prime membership)
- Costco Anywhere Visa® Card by Citi
- Target RedCard
The information for the Prime Visa and Target RedCard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
If you’re someone who spends a lot of money on groceries each month, making sure you’re earning bonus rewards on those purchases with a grocery store credit card is definitely worth the investment.
Even for those with lower monthly budgets, many no-annual-fee credit cards will help you save money on groceries without costing you anything (so long as you avoid interest fees by paying off your card in full each month).