Best Grocery and Everyday Spending Cards This Week, Oct. 7, 2025
Image source: Getty Images
Grocery prices are brutal right now. Every checkout feels like highway robbery, and filling up your gas tank isn't much better. The only way I've found to fight back is by making the banks pay me every time I shop.
If you're still swiping a debit card or a no-rewards card at the supermarket, you're losing money. Period. The right credit card can turn those ugly receipts into $300, $400, even $600 back in a year.
If you're tired of watching your budget get eaten alive, this is the week to finally put your everyday spending to work.
Top grocery and everyday cards this week
2025 Award Winner
On American Express' Secure Website.
Terms apply
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorOn American Express' Secure Website.
Terms apply
Good/Excellent
Intro APR
Purchases: 0% on purchases, 12 months
Balance Transfers: 0%, 12 months
APR
19.99%-28.99% Variable
Rewards 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.
1%-6% Cash Back
Annual Fee
$0 intro annual fee for the first year, then $95.
Welcome Offer Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$250
-
This card is a smart choice for earning top-tier rewards on everyday purchases. It features a market-leading rate of a whopping 6% cash back at U.S. supermarkets (on up to $6,000 per year), 6% on select U.S. streaming services, and 3% on U.S. gas and transit. Plus, there’s a strong welcome offer: Earn a $250 statement credit after spending $3,000 in the first 6 months. With 0% intro APR on purchases and balance transfers for the first 12 months and $0 annual fee for the first year (then $95), it’s one of our favorite credit cards for a reason. Terms apply.
Read Full Review -
- Big welcome offer
- U.S. supermarkets rewards
- U.S. gas stations rewards
- Streaming subscription rewards
- Annual fee
- Foreign transaction fee
-
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Low Intro APR: 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 19.99% - 28.99%.
- 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 Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
If your grocery bill regularly tops $500 a month, this card can put serious cash back in your pocket. Every cart of eggs, coffee, or school-snack runs adds up fast.
Here's what it offers:
- 6% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases) and select U.S. streaming subscriptions
- 3% cash back at U.S. gas stations and transit (including taxis/rideshare, parking, tolls, trains, buses and more)
- 1% cash back on other purchases
- Terms apply
There's a $0 intro annual fee for the first year, then $95. (See rates and fees.) But the savings potential is huge. For households that spend big at the store each month, the rewards can easily outweigh the fee.
On Bank of America's Secure Website.
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorOn Bank of America's Secure Website.
Earn 6% cash back in the category of your choice -- like dining, travel, or online shopping -- for the first year. Plus, score a $200 cash rewards bonus after qualifying purchases.
Good/Excellent (670-850)
Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 17.99% - 27.99% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
17.99% - 27.99% (Variable)
Rewards Earn 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs up to the quarterly maximum.
1% - 6% cash back
Annual Fee
$0
Welcome Offer $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200 cash back
-
This card's wide range of extra cash back options speaks for itself, with a choice of six bonus categories you can change monthly for 6% earnings for the first year in the category of your choice. And you can earn 2% back automatically at grocery stores and wholesale clubs. No annual fee and a nice welcome bonus also make this one a winner. Plus, if you're a Bank of America Preferred Rewards member, this card will be even more valuable for you.
Read Full Review -
- Competitive welcome bonus
- Bonus cash back in a category of your choice
- No annual fee
- Great intro & transfer APR offer
- Relationship rewards bonus
- Foreign transaction fee
- Limit on bonus cash back
-
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.99% - 27.99% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
This card is making a splash with one of the most generous first-year promos out there. The mix of high cash back, flexible categories, and a big upfront bonus makes it a standout if you're looking to maximize everyday spending.
Here's what you get:
- 6% cash back for the first year in the category of your choice: gas/EV charging, online shopping, dining, travel, drugstores, or home improvement/furnishings
- 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases
- The 6% + 2% combo applies on the first $2,500 in combined purchases each quarter, then it shifts to 1%
- After year one, the chosen category resets to 3%, but Preferred Rewards® members can still boost earnings up to 5.25% back
- Welcome bonus: $200 cash back after spending $1,000 in the first 90 days
- Intro APR perks on purchases and balance transfers
And the kicker: there's a $0 annual fee, plus your rewards never expire.
2025 Award Winner
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorGood/Excellent (670-850)
Intro APR 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR on purchases for 12 months from account opening
Balance Transfers: 0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR
18.99%, 23.99%, or 28.99% Variable APR
Rewards Earn unlimited 2% cash rewards on purchases.
2% cash rewards
Annual Fee
$0
Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
$200 cash rewards
-
This card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus after spending $500 in purchases in the first 3 months. The intro APR is decent too -- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers (18.99%, 23.99%, or 28.99% Variable APR applies after). We simply haven’t come across this combination of top perks in one card before.
Read Full Review -
- Unlimited 2% cash rewards
- Long 0% intro APR offer
- Generous cash rewards welcome bonus
- No annual fee
- Cellphone protections
- No bonus categories
- Foreign transaction fees
- Balance transfer fee
-
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.99%, 23.99%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
If you want a card you never have to think about, this one nails it. No rotating categories, no spending caps -- just straightforward rewards every time you swipe.
Here's what makes it shine:
- Unlimited 2% cash rewards on all purchases
- Welcome bonus: $200 cash rewards after spending just $500 in the first 3 months
- 0% intro APR for 12 months from account opening on qualifying balance transfers and 12 months from account opening on purchases (then 18.99%, 23.99%, or 28.99% Variable APR applies)
- Extra perks: cellphone protection up to $600 and 24/7 Visa Signature Concierge service
And the best part? A $0 annual fee -- making this a card you can keep in your wallet year after year.
So, which card should you grab this week?
Groceries, gas, and everyday spending aren't going anywhere -- you're already paying for them. The question is whether that money disappears, or whether it comes back to you in the form of rewards.
Here's how the top picks line up right now:
- Amex Blue Cash Preferred → best for big grocery budgets
- Bank of America Customized Cash Rewards → the flexible option with multiple categories
- Wells Fargo Active Cash® Card → simple, flat rewards on everything else
Don't let another grocery run go unrewarded. Find the card that matches your routine and start turning everyday spending into extra cash.
Question of the week
Should I have more than one grocery or everyday card?
It depends on how much you spend and how much effort you want to put in. Some households do best with a "two-card strategy": one card that pays a top rate on groceries and another flat-rate card that covers everything else. That way, you're always getting above-average cash back no matter where you shop.
If you're the type who doesn't want to track categories or think about it, then sticking to one solid all-around card is easier. But if you don't mind pairing cards, the payoff can be hundreds of extra dollars in rewards a year.
Pro tip: Use your grocery card just for supermarket trips and your flat-rate card for everything else. That one switch alone could be the difference between $200 in rewards a year and $600+.
Our Research Expert
Jake FitzGerald is a full-time Editorial Strategist and Personal Finance Writer at Motley Fool Money, leading content production and distribution while also writing about credit cards, bank accounts, and other financial products. He has more than a decade of experience editing and shaping financial content to give readers clear, trustworthy money advice. His work focuses on delivering practical insights that empower people to make smarter financial decisions. Off the clock, he’s a fan of college football tailgates and still loyal to his favorite putter -- despite what his short game suggests.
For rates and fees for the Blue Cash Preferred® Card from American Express, click here