Americans tend to spend more on groceries than any other major household expense. Because you can easily pay for supermarket purchases with a credit card, why not earn rewards on the biggest line item in your budget while you’re at it? While there are plenty of travel rewards cards to choose from, there aren’t as many credit cards available with bonuses on grocery spending. Let’s have a closer look at the best grocery credit cards below.
For a more comprehensive list, see our best credit card bonuses here. For best credit cards by other categories click here.
Blue Cash Preferred® Card from American Express | Best overall grocery card Best grocery card for high cashback rate |
PenFed Platinum Rewards Visa Signature Card | Best no-annual-fee grocery card Best grocery card with unlimited rewards |
Wells Fargo Visa Signature Card | Best grocery card with high points-earning rate |
Target REDcard | Best card for Target grocery purchases |
Amazon Rewards Visa Signature Credit Card | Best grocery card for Whole Foods spending Best card for online grocery shopping |
Capital One Walmart Rewards Card | Best card for budget grocery shopping |
Types of Grocery Credit Cards
There are many different kinds of grocery credit cards, including:
Flat-rate, cashback cards. These cards earn the same rewards rate on all spending. There are no bonus categories. Examples include the Citi® Double Cash Card and the Capital One® Quicksilver® Cash Rewards Credit Card.
Cashback cards with bonus categories. Earn a different rewards rate depending on the category of your purchase. Some cards offer bonus rewards on grocery spending. Examples include the Blue Cash Preferred® Card from American Express and the Capital One® SavorOne® Cash Rewards Credit Card.
Cards with rotating categories. Earn different rewards rates on the categories of your choice. Your bonus category options change on a quarterly basis. This means grocery spending may not be an option, so you may not earn bonuses on groceries for part of the year. Examples include Chase Freedom FlexSM and Discover it Cash Back.
Co-branded grocery store cards. Earn bonus rewards at specific grocery stores. Depending on the card, you may or may not be restricted to one grocery store chain. Examples include the Amazon Rewards Visa Signature Credit Card and Ralphs Rewards World Mastercard.
What We Considered
To make our best grocery credit cards list, we considered the following:
- Welcome bonus
- Earning potential
- Annual fee
- Unlimited vs. capped rewards
- Points value
- Rewards simplicity
- Additional benefits
The Best Grocery Credit Cards
BLUE CASH PREFERRED® CARD FROM AMERICAN EXPRESS

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Blue Cash Preferred® Card from American Express has an offer for $350 after you spend $3,000 in purchases on your new Card within the first 6 months. The offer is received in the form of Reward Dollars that can be redeemed as statement credits.
This card earns 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases and 6% Cash Back on select U.S. streaming subscriptions. You’ll also get 3% Cash Back at U.S. gas stations and transit that includes taxis/rideshare, parking, tolls, trains, buses and more. All other purchases will still earn 1% back.
The introductory annual fee is $0 for the first year, then $95 thereafter. See Rates & Fees, Terms Apply.
PENFED PLATINUM REWARDS VISA SIGNATURE CARD
The PenFed Platinum Rewards Visa Signature Card has an offer for $100 after spending $1,500 in the first 90 days.
This card earns 5x points on gas, 3x points on groceries and 1x points on everything else. It also offers 0% intro APR on balance transfers for 12 months and no foreign transaction fees
You need to join Pentagon Federal Credit Union (PenFed) in order to qualify, so the card is not for everybody. The Blue Cash Everyday® Card from American Express also offers cash back on gas, so it might be a better alternative.
The card has no annual fee.
WELLS FARGO VISA SIGNATURE CARD
The Wells Fargo Visa Signature Card currently offers no welcome bonus; however, the card has no annual fee.
This card earns 5x points on gas, grocery & drugstore purchases for up to $12,500 spent in your first 6 months. You will earn 1x points on everything else.
It also offers the following benefits:
- 0% intro APR on purchases for 15 months
- 0% intro APR on balance transfers for 15 months
- 50% more value for airfare
- Travel protections
- Purchase protections
The Wells Fargo Visa Signature card is rather simple and offers no signup bonus, but it comes with strong benefits including 0% APR financing for 15 months. If you want cash back and a welcome bonus, consider the Capital One® Quicksilver® Cash Rewards Credit Card.
TARGET REDCARD
The Target REDCard does not offer a welcome bonus but charges no annual fee. If you’re a frequent Target shopper, this card will save you 5% on most of your purchases.
On top of the amazing 5% discount, the card offers the following benefits:
- Free 2-day shipping on eligible orders
- + 30 days for returns or exchanges
- REDCard exclusives
The Target REDCard is great for the store’s frequent shoppers but for earning cash back, we feel the Chase Freedom Unlimited® is more versatile and offers the same 5% on grocery store purchases (except at Target!).
AMAZON PRIME REWARDS VISA SIGNATURE CARD
The Amazon Prime Rewards Visa Signature Card offers no welcome bonus but charges no annual fee. If you’re a subscriber to Amazon Prime membership, this card earns you 5% cash back at Amazon.com and Whole Foods Market. If you’re not a Prime member, you will still get 3% on purchases at Amazon.com and Whole Foods.
Additionally, this card earns 2% on restaurant, gas, grocery & drugstore purchases. For everything else, you get 1% cash back.
The card also offers the following benefits:
- Travel protections
- Purchase protections
- Visa Signature benefits
- No foreign transaction fees
This card is for the Amazon or Whole Foods loyalist. There is no annual fee but an Amazon Prime membership is a must have to get maximum value from the card. For cash rewards, you might get better mileage from the Citi® Double Cash Card.
CAPITAL ONE WALMART REWARDS CARD
The Capital One Walmart Rewards Card offers no welcome bonus but it rewards Walmart loyalists with unlimited 5% cash back on purchases at Walmart.com and 5% on in-store purchases through the Walmart app in your first year.
Here is an overview of the earning rates with this card:
- 5% cash back at Walmart.com
- 5% back on Walmart store purchases (for your first year with Walmart Pay, 2% cash back thereafter)
- 2% back on dining
- 2% back on travel
- 1% back on everything else
The card also offers other benefits such as travel protections, purchase protections, and no foreign transaction fees. The card also has no annual fee.
If you shop at Walmart, this card gives you even more savings from the already everyday low prices at this mega-retailer. And it has no annual fee. But for general cash back, why not consider a card such as the Capital One® SavorOne® Cash Rewards Credit Card that offers you a welcome bonus and more versatility.
Additional Guides
While we focused on grocery credit cards in this post, you’ll want to choose a card with additional earning potential that matches your spending behavior. Click here for the best credit cards for points and miles by spending category or check out these other guides.
Bottom Line
If you spend a lot of your budget on groceries, you’ll want to find a credit card that rewards you for supermarket spending. Just make sure to consider cards with other bonus categories that match your spending habits so you can maximize your earnings.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.