Earn up to 6% Back on Groceries With These 3 Credit Cards
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KEY POINTS
- The Blue Cash Preferred® Card from American Express offers 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases) and select U.S. streaming subscriptions.
- The American Express® Gold Card earns 4X Membership Rewards® Points at restaurants worldwide (up to $50,000 per year); and U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- The Capital One Savor Cash Rewards Credit Card gives unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
Groceries are one of the biggest spending categories for most households, easily totaling hundreds of dollars a month. The right credit card can help you turn those weekly trips into serious rewards -- whether you're looking for cash back or travel points.
Here are three of the best grocery credit cards available today, each with generous cash back rates and strong welcome offers.
1. Blue Cash Preferred® Card from American Express
2025 Award Winner
On American Express' Secure Website.
Terms apply
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= Best
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= Fair = PoorOn American Express' Secure Website.
Terms apply
Good/Excellent (670-850)
Intro APR
Purchases: 0% on purchases, 12 months
Balance Transfers: 0%, 12 months
APR
20.24%-29.24% Variable
Rewards 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or 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.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- 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 20.24% - 29.24%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- 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.
The Blue Cash Preferred® Card from American Express offers an unmatched 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases) and select U.S. streaming subscriptions. It also earns:
- 3% at U.S. gas stations and transit (including taxis/rideshare, parking, tolls, trains, buses and more)
- 1% on other purchases
- Terms apply
This card has a $0 intro annual fee for the first year, then $95. (See rates and fees.) It's the best option if you want simple cash back on grocery spending, rather than points that you'd need to transfer or redeem.
Ready to get started? Apply for the Amex Blue Cash Preferred today (see rates and fees) and upon approval, get a $250 statement credit after you spend $3,000 in the first 6 months. Terms apply.
2. American Express® Gold Card
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= Fair = PoorGood/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
APR
See Pay Over Time APR
Rewards Earn 4X Membership Rewards® Points at restaurants worldwide (on up to $50,000 per calendar year in purchases), and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X-4X Membership Rewards® Points
Annual Fee
$325
Welcome Offer Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
60,000 Membership Rewards® Points
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This card offers considerable value, as it earns 4X points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X) and 4X points at restaurants worldwide. Plus, earn 3X points on flights booked directly with airlines or on American Express Travel. Meanwhile, the value of its annual benefits can potentially offset its entire annual fee. (Terms apply.) Overall, it’s an incredibly lucrative card for those who spend a lot in its bonus categories and can use its spend credits.
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- Impressive welcome offer
- Restaurant rewards
- U.S. supermarket rewards
- Travel and dining credits
- High-value rewards points
- Annual fee
- Inflexible spending credits
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- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- 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.
The American Express® Gold Card earns 4X Membership Rewards® Points at restaurants worldwide (up to $50,000 per year); and U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
You'll also earn:
- 3X Membership Rewards® Points on flights booked directly with airlines or on AmexTravel.com
- 1X points on other eligible purchases
- Terms apply
The value of these points depends on how you redeem them. They're worth $0.01 each if you redeem them for flights through American Express Travel, for example. They're worth less than that if redeemed for a statement credit -- and potentially more if you transfer them to an airline partner.
The $325 annual fee is steep (see rates and fees), but a good chunk can be offset by up to $240 in combined dining and Uber credits. Terms apply; enrollment may be required. If you're a frequent flyer and prefer travel rewards over cash back, this card delivers strong long-term value.
Apply for the Amex Gold Card today (see rates and fees) and start earning 60,000 Membership Rewards® Points after spending $6,000 in the first 6 months upon approval.
3. Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card offers unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). That's not as high of an earning rate as the Amex Blue Cash Preferred, but there's also no annual spending cap.
Other benefits include:
- 8% cash back on Capital One Entertainment purchases
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 1% on all other purchases
This card also has a $0 annual fee, making it a great option for high grocery spenders who want simple, unlimited cash back.
Which grocery card is best?
That depends on your spending.
If your main goal is to earn the most cash back on groceries, the Amex Blue Cash Preferred offers the most value -- especially if you spend less than $13,000 a year. Above that threshold, the Capital One Savor becomes a better choice, and the Amex Gold Card eventually catches up if you spend $25,000 or more on groceries.
While those numbers only take supermarket spending into account -- not other perks or earnings rates -- it's a good rule of thumb if you're only worried about groceries.
Looking for more top rewards, perks, and savings? Check out our list of the best credit cards available today.
Our Research Expert
Ryan is a full-time personal finance writer at Motley Fool Money. He’s been covering topics like credit cards and savings since 2022, focusing on helping people who are new to the world of personal finance.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page.
For rates and fees for the American Express® Gold Card, click here
For rates and fees for the Blue Cash Preferred® Card from American Express, click here