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Best Grocery Credit Cards for October 2022

by: Lindsay VanSomeren | Updated Aug. 18, 2022
Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Grocery credit cards are one of the easiest ways to save money on your normal grocery spending. In America, the average family's grocery spending is $4,500 per year. If you're able to earn 6% back (a real possibility with some cards), you'd be earning an extra $270 per year in cash back automatically -- no coupon clipping required.

The best grocery credit cards of 2022 have a few things in common: low fees, lots of cash back and rewards, and the ability to swipe at the grocery stores you shop at most often. Luckily, there are plenty of options to choose from. Here are our picks for the best credit cards for grocery shopping.

Best grocery credit cards

Ratings Methodology

Blue Cash Preferred® Card from American Express

Great for: High U.S. supermarkets cash back

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Blue Cash Preferred® Card from American Express
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

16.99%-27.99% Variable

Rewards Info Icon Circle with letter I in it. 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.

1% - 6% cash back

Annual Fee

$95

Welcome Offer Info Icon Circle with letter I in it. Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

$350

  • The U.S. supermarkets and U.S. gas stations rewards are clear standouts, in addition to a big welcome offer and a nice 0% intro APR offer. 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 $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    • Balance Transfer is back! Enjoy 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 16.99%-27.99%.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 Plan It fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
    • 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.
    • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
    • $95 Annual Fee.
    • Terms Apply.
Rates & Fees External Link Icon

Blue Cash Everyday® Card from American Express

Great for: U.S. supermarkets

Apply Now for Blue Cash Everyday® Card from American Express

On American Express' Secure Website.

Terms apply

Blue Cash Everyday® Card from American Express
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Blue Cash Everyday® Card from American Express

On American Express' Secure Website.

Terms apply

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

16.99%-27.99% Variable

Rewards Info Icon Circle with letter I in it. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

1% - 3% cash back

Annual Fee

$0

Welcome Offer Info Icon Circle with letter I in it. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

  • One of the highest rewards-earning U.S. gas and U.S. supermarkets cards we've seen with no annual fee. The lucrative welcome offer and intro APR round out a diverse feature set. 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
    • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
    • No Annual Fee.
    • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 16.99% to 27.99% variable APR.
    • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
    • New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
    • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
    • Get $7 back each month after using your Blue Cash Everyday® Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
    • Terms Apply.
Rates & Fees External Link Icon

Discover it® Cash Back

Great for: Bonus cash back

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Discover it® Cash Back
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Intro APR

Purchases: 0% Intro APR, 15 months

Balance Transfers: 0% Intro APR, 15 months

Regular APR

14.24% - 25.24% Variable APR

Rewards Info Icon Circle with letter I in it. 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically

1% - 5% Cashback

Annual Fee

$0

Welcome Offer Info Icon Circle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match

  • Includes a robust rewards program and rich sign-up bonus offer that has unlimited upside. Somehow this card also packs in a great intro APR offer for no annual fee. Read Full Review

    • Rotating bonus categories
    • Sign-up bonus offer
    • Great intro APR offer
    • No annual fee
    • No foreign transaction fee
    • No fixed bonus categories
    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
    • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
    • Every $1 you earn in cash back is $1 you can redeem.
    • Get a 0% intro APR for 15 months on purchases. Then 14.24% to 25.24% Standard Variable Purchase APR applies, based on credit worthiness.
    • No annual fee.
    • Click "Apply Now" to see terms and conditions.
Rates & Fees External Link Icon

Citi® Double Cash Card – 18 month BT offer

Great for: One-card wallet

Apply Now for Citi® Double Cash Card – 18 month BT offer

On Citi's Secure Website.

Citi® Double Cash Card – 18 month BT offer
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Citi® Double Cash Card – 18 month BT offer

On Citi's Secure Website.

Intro APR Info Icon Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: 0%, 18 months

Regular APR

16.24% - 26.24% (Variable)

Rewards Info Icon Circle with letter I in it. 2% cash back: 1% when you buy plus 1% as you pay

Up to 2% cash back

Annual Fee

$0

Welcome Offer Info Icon Circle with letter I in it. Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash back

  • Earn up to 2% on all purchases - 1% when you buy, and 1% when you pay the minimum each month. Add that to no annual fee and an 18 month 0% intro APR offer on balance transfers and this card is a winner. Read Full Review

    • Sign up Bonus
    • Industry-leading cash back
    • 0% intro APR balance transfer offer
    • No annual fee
    • Free credit score monitoring
    • Foreign transaction fee
    • No 0% intro APR on purchases
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
    • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

American Express® Gold Card

Great for: Restaurants and travel

Apply Now for American Express® Gold Card

On American Express' Secure Website.

Terms apply

American Express® Gold Card
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for American Express® Gold Card

On American Express' Secure Website.

Terms apply

Intro APR

Purchases: n/a

Balance Transfers: n/a

Regular APR

18.99%-25.99% Variable

Rewards Info Icon Circle with letter I in it. Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., 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. Earn 1X Membership Rewards® Points on other eligible purchases.

1X - 4X points

Annual Fee

$250

Welcome Offer Info Icon Circle with letter I in it. Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

60,000

  • The welcome offer, lucrative rewards at restaurants, U.S. supermarkets, and on travel more than justify the annual fee for most who spend in these categories. Read Full Review

    • Impressive welcome offer
    • Restaurants rewards
    • U.S. supermarket rewards
    • Travel and dining credits
    • High-value rewards points
    • Annual fee
    • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
    • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., 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.
    • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
    • Updated $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
    • Choose the color that suits your style. Gold or Rose Gold.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.
Rates & Fees External Link Icon

Citi Premier® Card

Great for: Restaurants, groceries, and gas

Apply Now for Citi Premier® Card

On Citi's Secure Website.

Citi Premier® Card
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Citi Premier® Card

On Citi's Secure Website.

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.24% - 26.24% (Variable)

Rewards Info Icon Circle with letter I in it. 3x points at restaurants, supermarkets, at gas stations, for air travel, and on hotels, 1x points on other purchases

1x - 3x points

Annual Fee

$95

Welcome Offer Info Icon Circle with letter I in it. 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

80,000 ThankYou® Points

  • A solid pick with a big bonus and nice list of airlines transfer partners, plus it includes a robust rewards program beyond just travel Read Full Review

    • Big sign-up bonus
    • Annual hotel savings offer
    • Travel and dining rewards
    • Grocery and gas rewards
    • Flexible travel rewards points
    • Annual fee
    • Limited consumer and travel protections
    • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
    • Earn 3 Points per $1 spent at Restaurants and Supermarkets
    • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
    • Earn 1 Point per $1 spent on all other purchases
    • Annual Hotel Savings Benefit
    • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases

Bank of America® Customized Cash Rewards credit card

Great for: Cash back in your category of choice

Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Bank of America® Customized Cash Rewards credit card
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Intro APR Info Icon Circle with letter I in it. 0% introductory APR for 18 billing cycles for purchase, and for any balance transfer made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.

Purchases: 0% Intro APR for 18 billing cycles for purchases

Balance Transfers: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days

Regular APR

16.24% - 26.24%

Rewards Info Icon Circle with letter I in it. 3% cash back in your choice category, 2% at grocery stores & wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% on all other purchases.

1% - 3% cash back

Annual Fee

$0

Welcome Offer Info Icon Circle with letter I in it. $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening

$200 cash rewards

  • Includes a big bonus in the no-annual fee category, a great 0% intro and transfer APR offer, and a flexible cash rewards program that enables you to earn premium cash back in a category of your choice. Read Full Review

    • Competitive sign-up bonus
    • Bonus cash back in a category of your choice
    • No annual fee
    • Great 0% intro & transfer APR offer

    • Foreign transaction fee
    • Limit on bonus cash back
    • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
    • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
    • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
    • No annual fee and no expiration on rewards.
    • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.  
    • 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.

Amazon Prime Rewards Visa Signature Card

Great for: Whole Foods and Amazon Grocery Shoppers

Read Review
Amazon Prime Rewards Visa Signature Card
Rating image, 4.00 out of 5 stars.
4.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Read Review

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

15.74% - 23.74%, variable

Rewards Info Icon Circle with letter I in it. 5% back at Amazon and Whole Foods, 2% back at restaurants, gas, and drugstores, 1% back on other purchases

1% - 5% back

Annual Fee

$0

Welcome Offer

$70 Amazon gift card

  • The fact that this card includes no annual fee makes it a no-brainer for Amazon Prime members. Simply put, the cash-back rate is among the highest you'll find for Amazon and Whole Foods purchases.

    • Big Amazon and Whole Foods rewards
    • Instant Amazon gift card
    • No annual fee
    • Consumer and travel protections
    • No 0% intro APR offer
    • Exclusively for customers with an eligible Prime membership
    • $70 Amazon.com Gift Card instantly upon credit card approval
    • 5% back at Amazon and Whole Foods
    • 2% back at gas stations, restaurants and drugstores
    • 1% back on other purchases
    • No foreign transaction fees
The information related to Amazon Prime Rewards Visa Signature Card has been collected by The Ascent and has not been reviewed or provided by the issuer.

U.S. Bank Altitude® Go Visa Signature® Card

Great for: Bonus and 0% intro APR

Read Review
U.S. Bank Altitude® Go Visa Signature® Card
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Read Review

Intro APR Info Icon Circle with letter I in it. 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.24% - 26.24% (Variable).

Purchases: 0%, 12 billing cycles on purchases

Balance Transfers: 0% on balance transfers, 12 billing cycles

Regular APR

17.99% - 26.99% (Variable)

Rewards Info Icon Circle with letter I in it. 4x points on dining, 2x points on groceries, gas, and streaming services, 1x points on other purchases

1x - 4x points

Annual Fee

$0

Welcome Offer Info Icon Circle with letter I in it. 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

20,000 points

  • A rare, great pick that offers lucrative rewards (up to 4x points), a big bonus, and a competitive 0% intro APR offer, all somehow with no annual fee.

    • Big sign-up bonus
    • Dining rewards
    • No annual fee
    • 0% intro APR offer
    • Streaming credit
    • Balance transfer fee
    • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
    • 4X points on dining, takeout, and restaurant delivery.
    • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
    • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
    • 1X point on all other eligible purchases.
    • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.99% - 26.99%.
    • No Annual Fee
    • Points never expire
    • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
    • Terms and conditions apply.
Rates & Fees External Link Icon

What is a grocery credit card?

Grocery credit cards are special types of credit cards that offer more rewards for buying groceries. Grocery cash back credit cards generally fall into two main categories: general rewards credit cards that earn points on grocery purchases, or store-specific credit cards that can only be used with one grocery store.

With some credit cards with grocery rewards, you'll earn points or cash back on your spending with that card (whether it's at a grocery store or not). The difference is that you'll earn more points when you use the credit card for grocery purchases. For example, you might earn 3% cash back on grocery credit card purchases but 1% cash back on other purchases.

For store-specific credit cards for groceries, you'll earn points or cash back for grocery purchases made at that store. Some cards let you make purchases in other stores too, but you'll probably earn less rewards. These credit cards for grocery stores sometimes come with other perks, such as discounts on gas fill-ups at the grocery store, special gifts, or extra sales.

What should I look for in a grocery credit card?

Here’s what you should look for:

  1. Few fees. Fees aren't necessarily bad: if you'll earn enough cash back on groceries, you can sometimes offset fees. But in general, the best credit cards for supermarkets charge few credit card fees.
  2. Cash back and rewards opportunities. The best grocery cash back credit cards offer a high cash back rates. These may come with other valuable rewards such as discounts on gas fill-ups. Right now, the best grocery credit cards are offering up to 6% cash back on grocery purchases.
  3. Can be used at the stores you shop at. General credit cards for groceries can be used at any grocery store. But if you choose a store-specific card, make sure it's a credit card for a grocery story you'll visit frequently. For example, you might appreciate the Meijer Mastercard® if you live in the Midwest. But if you move to the Pacific Northwest -- where Fred Meyer and Safeway reign supreme -- the best credit card for grocery shopping will give you rewards for those supermarkets instead of Meijer's.

When is a credit card for groceries a good idea?

Grocery credit cards are a good idea when you spend a lot on groceries. Credit cards for groceries are especially helpful to those with families, people who like to cook, and those trying to save money on food costs by not dining out as much. (If you dine out frequently, there are restaurant credit cards that offer better rewards for your lifestyle.)

Another thing to consider is whether you want to use credit cards for groceries. Credit cards aren't right for everyone. Many grocery store chains already offer free store loyalty programs that offer savings. Even the best grocery cash back card may not be the best choice for someone who prefers debit cards or cash.

If you already have a credit card, getting another credit card to use for groceries adds a bit more complexity to your finances. You have to remember to use that credit card to pay for groceries, check your statements, and remember to make monthly payments. It's a small hassle for the reward of getting cash back on groceries. But for some people, it might not be worth it.

How do you know if a grocery cash back credit card is worth the trouble? Figure out how much you'll earn each year. For example, let's imagine you spend about $1,000 per month at the supermarket. You find a grocery credit card that offers 5% cash back on groceries, and doesn't charge an annual fee. In this scenario you'll earn about $600 cash back on groceries per year. For most people, that's worth the extra hassle of managing another credit card for groceries. Your case might be different. Comparing credit card offers and running the numbers for yourself can help you to determine if a credit card with grocery rewards is right for you.

And if you don't qualify for a grocery credit card, check out these credit cards for bad credit.

The Picks
Card Rating Great For
Terms apply
Graphic of Blue Cash Preferred® Card from American Express
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Great For:

High U.S. supermarkets cash back
Terms apply
Graphic of Blue Cash Everyday® Card from American Express
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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Great For:

U.S. supermarkets
Graphic of Discover it® Cash Back
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Bonus cash back
Graphic of Citi® Double Cash Card – 18 month BT offer
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Great For:

One-card wallet
Terms apply
Graphic of American Express® Gold Card
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Restaurants and travel
Graphic of Citi Premier® Card
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Restaurants, groceries, and gas
Graphic of Bank of America® Customized Cash Rewards credit card
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Cash back in your category of choice
Graphic of Amazon Prime Rewards Visa Signature Card
Rating image, 4.00 out of 5 stars.
4.00 stars
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 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Whole Foods and Amazon Grocery Shoppers
Graphic of U.S. Bank Altitude® Go Visa Signature® Card
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Bonus and 0% intro APR

FAQs

  • A grocery credit card is a type of card that offers a higher amount of cash back or points on grocery purchases. This can be on grocery purchases, or, in the case of store-specific cards, the bonus might only be offered for grocery purchases made at that store.

  • The best credit cards for groceries have a high percentage of cash back, can be used at the grocery stores you shop at most frequently, and come with few fees.

About the Author

Lindsay VanSomeren
Lindsay VanSomeren

Lindsay VanSomeren has been working as a personal finance writer and expert since 2015. Her work has appeared on Business Insider, Credit Karma, LendingTree, Northwestern Mutual, and The Balance, among other publications. She is passionate about making personal finance accessible to everyone by delivering straight talk about financial products. She has a bachelor's degree and a master's degree from the University of Alaska Fairbanks.