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
The Blue Cash Preferred® Card from American Express offers an unmatched 6% cash back at U.S. supermarkets (up to $6,000 per year) 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
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.
