Earn Cash Back on Every Grocery Run -- Even When You Switch Stores
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I don't know about you, but I'm not very loyal when it comes to grocery stores. Whole Foods one week, Kroger the next -- I like to go wherever (and whenever) inspiration strikes.
And if you're like me, you might be wondering if there's a credit card that can help you save on groceries. Luckily, you've got tons of options.
Here are three of my favorite grocery cards that can help you save today, no matter where you shop.
1. Blue Cash Preferred® Card from American Express
When it comes to grocery rewards, the Blue Cash Preferred® Card from American Express has been the undisputed king for a while.
With the Amex Blue Cash Preferred, you'll get a fantastic 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% after that). That's one of the best cash back rates I've seen on any card in any category.
It also earns:
- 3% cash back on U.S. gas stations and transit (including taxis/rideshare, parking, tolls, trains, buses and more)
- 1% cash back on other purchases
- Terms apply
The card comes with a $0 intro annual fee for the first year, then $95. (See rates and fees.) When you want simple cash back on every trip to the supermarket, it's tough to beat the Amex Blue Cash Preferred.
If you apply now, you can also get a $250 statement credit after you spend $3,000 in the first 6 months. That's a great (and easy) way to get off on the right foot with your new card.
2026 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
19.74%-28.74% 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.
Read Full Review -
- 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 19.74% - 28.74%.
- 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.
2. Blue Cash Everyday® Card from American Express
Want strong cash back, but don't want to pay an annual fee? The Blue Cash Everyday® Card from American Express is the choice for you.
With the Amex Blue Cash Everyday, you'll earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations, on each category up to $6,000 per year in purchases (then 1% after and on other purchases) for no annual fee (see rates and fees).
If you're like most people, groceries, gas, and online retail purchases are probably three of your biggest spending categories. Getting 3% back on these purchases on a card with no annual fee is pretty much a no-brainer.
Plus, right now, new cardholders can earn a $200 statement credit upon approval after spending $2,000 in purchases in the first 6 months. Terms apply.
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, 15 months
Balance Transfers: 0%, 15 months
APR
19.74%-28.74% Variable
Rewards 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.
1%-3% cash back
Annual Fee
$0
Welcome Offer Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
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If gas and groceries are big line items in your budget, don't miss this card. You won't pay an annual fee, and you can earn a generous 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations, on each category up to $6,000 per year in purchases. A 0% APR intro offer lasting 15 months and a $200 welcome bonus for a $2,000 spend inside of 6 months (terms apply) round out the perks on this Amex.
Read Full Review -
- U.S. supermarkets and online retail rewards
- U.S. gas stations cash back
- Big welcome offer
- No annual fee (see rates and fees)
- Foreign transaction fee
- High spend requirement for welcome offer
-
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.74% to 28.74% variable APR.
- 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 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 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.
3. Wells Fargo Active Cash® Card
The two Amex cards above are great options for grocery spending. But if you want a solid earning rate on groceries and everything else you buy, the Wells Fargo Active Cash® Card (rates and fees) is the way to go.
With the Wells Fargo Active Cash® Card, you'll get a straightforward 2% cash rewards on everything you buy: groceries, yes, but also gas, shopping, travel, and more. That's basically the best flat rate you'll find -- and you'll get it for no annual fee.
You'll get a welcome offer that's super easy to earn, too: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
The other cards here rack up more on groceries specifically -- but if you want one catch-all card to rule them all, I say go with the Wells Fargo Active Cash® Card. It's my favorite credit card in my wallet for a reason.
Our Research Expert
Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.
For rates and fees for Blue Cash Everyday® Card from American Express, click here
For rates and fees for Blue Cash Preferred® Card from American Express, click here