Do you shop a lot and are looking for a way to save money? Then the best credit card for grocery shopping is the answer to what you’re looking for.
Today, there are many best credit card for grocery shopping on the market that offer discounts on specific products. In addition to cashback on all your purchases.
Now, our goal is to help you choose the best credit card for grocery shopping. To do this, we will present you with the advantages of the cards and also the fees charged.
Top 07 Best Credit Cards for Grocery Shopping
1. Blue Cash Preferred® Card from American Express (Best credit card for grocery shopping)
This card is recognized for offering the highest direct cashback rate in the grocery category, receiving 6% cashback on all purchases.
However, you should be aware that this high reward is limited to $6,000 in annual spending in the category, reverting to 1% after exceeding the cap.
Its annual fee is $95, with a waiver for the first year, requiring a break-even calculation to justify the cost.
In addition to grocery cashback, you can receive 6% on selected streaming services in the US, with no spending limit. Plus 3% at US gas stations and on transit, which includes tolls, parking, and rideshare.
Additional benefits include up to $120 in annual statement credits for Disney Streaming.
2. American Express® Gold Card
First, the American Express® Gold Card is best suited for travelers who want to accumulate transferable points instead of direct cashback, and also through the points program. This feature will allow you to receive:
- 4X Membership Rewards® Points at US supermarkets, with an annual limit of $25,000;
- 1X per dollar spent after this limit.
The annual fee is $325, but the cost is offset by valuable credits.
Furthermore, the card offers a $0 Foreign Transaction Fee and 4X points at restaurants worldwide.
Additionally, you will earn up to $120 annually in Uber Cash ($10 per month for Uber Eats or Uber Rides in the US). You will also get $120 annually in statement credit at dining partners.
Other features include up to $100 annual Resy credit, baggage coverage, extended warranty, and purchase protection.
3. Citi Custom Cash® Card (Best credit card for grocery shopping)
The Citi Custom Cash Card stands out for its simplicity and flexibility, making it an excellent option for those looking for the best credit card for grocery shopping with no annual fee.
Initially, you will earn 5% cashback in your highest spending category of the billing cycle, with supermarkets being one of the eligible categories.
The limit for this bonus is $500 per month, after which the reward drops to 1%.
Cashback is automatically adjusted, eliminating the need for quarterly activation.
As a general rule, this card has no annual fee and will also come with a $200 bonus after initial spending.
4. Prime Visa
This card is best for Prime customers who concentrate their grocery shopping on Amazon.
The Prime Visa, issued by Chase, will allow you to earn 5% unlimited cashback on purchases at Amazon.com, Amazon Fresh, and Whole Foods Market.
The card has no annual fee but requires an active Prime subscription. In addition to the reward at supermarkets and Amazon, you will earn 2% unlimited cashback at gas stations, restaurants, and local transportation, with 1% on all other purchases.
Rewards can be redeemed instantly at Amazon checkout. And the card also offers promotional financing options instead of cashback.
5. Chase Freedom Flex® (Best credit card for grocery shopping)
Initially, the Chase Freedom Flex® is a versatile card with a $0 annual fee. Therefore, it is ideal for those who adapt to rotating bonus categories.
As a general rule, it offers 5% cashback in activated categories each quarter, with the supermarket category being a common option.
The bonus limit is $1,500 in combined purchases per quarter, reverting to 1% after reaching the limit.
Your points can be combined and transferred to Chase travel partners if paired with a Sapphire card.
Other benefits include 5% cashback on travel purchased through Chase Travel℠ and 3% on dining and drugstores.
A notable benefit is cell phone protection, with coverage of up to $800 per claim against theft or damage.
6. Discover it® Cash Back (Best credit card for grocery shopping)
The Discover it Cash Back is another option with a $0 annual fee that uses the 5% rotating cashback category model on purchases up to $1,500 per quarter, requiring activation.
Supermarkets are a frequent rotating category.
Its differential is the Cashback Match in the first year, where Discover doubles all cashback earned.
This means that, during the eligibility period, the potential value in the supermarket category can reach 10%, making it one of the best in this category.
By the way, this is one of the main cashback credit card promotions.
7. Chase Sapphire Preferred® Card
Although it is a premium travel card, the Chase Sapphire Preferred offers a specific benefit for the best credit card for grocery shopping in a modern niche: 3X points on online grocery purchases and delivery services.
It is worth noting that this is a key benefit for customers who frequently use apps or pickup services.
Its main value lies in the ability to transfer points to travel partners at a 1:1 ratio, potentially exceeding the value of direct cashback.
Compare the best credit card for grocery shopping options
This table offers an immediate overview of the main financial terms and reward potential for the cards analyzed:
| Card | Main Grocery Reward | Bonus Reward Spending Limit | Annual Fee | Foreign Transaction Fee (FTF) |
| Blue Cash Preferred® Card from American Express | 6% Cash Back | $6,000/year | $95 (Waived for 1st year) | 2.7% |
| American Express® Gold Card | 4X Membership Rewards Points | $25,000/year | $325 | $0 |
| Citi Custom Cash® Card | 5% Cash Back | $500 per billing cycle | $0 | Needs verification |
| Prime Visa | 5% Cash Back | Unlimited (on Amazon/Whole Foods) | $0 (Prime required) | Needs verification |
| Chase Freedom Flex® | 5% Cash Back (Rotating Category) | $1,500 per quarter | $0 | Yes (Fees apply) |
| Discover it® Cash Back | 5% Cash Back (Rotating Category) | $1,500 per quarter | $0 | Needs verification |
| Capital One Savor Cash Rewards Credit Card | 3% Cash Back | Unlimited | $0 | $0 |
| Blue Cash Everyday® Card from American Express | 3% Cash Back | $6,000/year | $0 | 2.7% |
| Chase Sapphire Preferred® Card | 3X Points (Online Groceries/Delivery) | Unlimited | Needs verification | Needs verification |
| Citi Strata Premier® Card | Elevated Points (Groceries/Gas) | Unlimited | Needs verification | Needs verification |
Conclusion
Now you know all the best options, knowing exactly how much you can save on each one. But what strategy to choose to select the right card:
The strategy to find the best credit card for grocery shopping starts with you checking if the markets in your region accept the cashback promotions of these cards.
From there, just access the bank’s official website and request the card. The process is quick, you can apply completely online, without even needing to leave your home.