Best Grocery and Everyday Spending Credit Cards This Week, Sept. 30, 2025
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Every grocery run feels like a gut punch lately. Prices keep creeping up, but here's the secret: The right credit card can flip those weekly bills into cash back, perks, and even free trips.
If you're not earning rewards on the basics like milk, bread, gas, and even Netflix, you're leaving money on the table. The good news is a few cards right now are offering some of the richest payoffs I've seen for everyday spending.
I've covered credit cards for years, and these three stand out this week if you want to squeeze every dollar of value out of your shopping cart.
Top grocery and everyday cards this week
2025 Award Winner
On American Express' Secure Website.
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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
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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.
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- Big welcome offer
- U.S. supermarkets rewards
- U.S. gas stations rewards
- Streaming subscription rewards
- Annual fee
- Foreign transaction fee
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- 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 you spend big on groceries (think $500+ a month), this one is tough to beat. The Blue Cash Preferred® Card from American Express earns an industry-leading 6% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases) and select U.S. streaming subscriptions, then 1%. Terms apply. That's real money back every time you swipe for eggs, coffee, or those snacks your kids tear through in two days.
It also offers 3% cash back at U.S. gas stations and transit (including taxis/rideshare, parking, tolls, trains, buses and more). Terms apply. There is a $0 intro annual fee for the first year, then $95. (See rates and fees.) But if your household shops like mine, you'll easily come out ahead.
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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
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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.
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- 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
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- 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 just rolled out one of the most aggressive first-year offers I've seen. You'll earn 6% cash back for the first year in the category of your choice -- gas/EV charging, online shopping, dining, travel, drug stores, or home improvement/furnishings. On top of that, you'll earn 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
That 6% and 2% combo applies on the first $2,500 in combined quarterly purchases, then 1% after. Once the first year ends, the choice category resets to 3%, still boosted if you're a Bank of America Preferred Rewards® member (up to 5.25% back).
Add in a $200 cash back bonus after $1,000 in spending in the first 90 days and a nice intro APR offer on purchases and balance transfers, and this is a seriously well-rounded card.
Best of all? There's a $0 annual fee, and rewards don't expire.
2025 Award Winner
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Intro APR 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR for 12 months from account opening on purchases
Balance Transfers: 0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR
18.99%, 24.99%, 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
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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%, 24.99%, or 28.99% Variable APR applies after). We simply haven’t come across this combination of top perks in one card before.
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- 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
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- 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%, 24.99%, 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 like simplicity, this card is the definition of "set it and forget it." The Wells Fargo Active Cash® Card (rates and fees) earns unlimited 2% cash rewards on all purchases. No categories to track, and no caps to worry about.
Right now, new cardholders can grab a $200 cash rewards bonus after just $500 in purchases within the first 3 months.
It also comes with a 0% intro APR for 12 months from account opening on qualifying balance transfers and 12 months from account opening on purchases (then a 18.99%, 24.99%, or 28.99% Variable APR applies). Plus, perks like cellphone protection up to $600 and access to a 24/7 Visa Signature Concierge add nice extra value.
With a $0 annual fee, this card is a long-term keeper.
Which card is best for you this week?
At the end of the day, groceries and gas aren't optional -- you're spending that money no matter what. The difference is whether you walk away with nothing or you stack cash back, perks, and points that actually pay you back.
This week, the Amex Blue Cash Preferred is the heavyweight for big grocery bills, the Bank of America Customized Cash Rewards is the smart pick for flexibility, and the Wells Fargo Active Cash® Card stretches your rewards across everything else.
Why let another cart full of groceries go unrewarded? Pick the card that fits your life and start cashing in on the spending you're already doing.
Question of the week
Are annual fees worth it?
It's easy to see a $95 or $150 annual fee and think, "No way." But the math often works out in your favor: especially with grocery cards.
Take the Amex Blue Cash Preferred. Yes, it has a $0 intro annual fee for the first year, then $95. But if you spend $500 a month at the supermarket, you'll earn about $360 in cash back each year just from groceries. Subtract the fee, and you're still coming out well ahead before even counting gas, transit, or streaming rewards.
Annual fees are really just an upfront investment. If your spending habits line up with the card's bonus categories, you'll almost always make your money back (and then some). But if you're not a big spender in those categories? A no-annual-fee option like the Bank of America Customized Cash Rewards or Wells Fargo Active Cash® Card might be the smarter play.
Pro tip: Always run the numbers based on your actual monthly spending before ruling out a card with a fee.
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