If your family spends $1,000 or more a month on groceries, the Capital One Savor Cash Rewards Credit Card (see rates and fees) is probably the best credit card for your grocery shopping.

That’s because the card offers unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), and it has a $0 annual fee.

Compared to other popular grocery cards like the Amex Gold Card or the Amex Blue Cash Preferred, the Capital One Savor (see rates and fees) delivers better long-term value for high grocery spenders — and it’s much easier to manage.

Why Capital One Savor beats Amex for big budgets

Two other top grocery card picks, the Amex Gold Card and Amex Blue Cash Preferred cards, both offer strong earnings rates:

• Amex Gold Card: 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) Terms apply.
• Amex Blue Cash Preferred: 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases) and select U.S. streaming subscriptions (then 1%) Terms apply.

The problem, however, comes when you factor in annual fees — $325 for the Amex Gold Card (see rates and fees) and the Amex Blue Cash Preferred has a $0 intro annual fee for the first year, then $95. (See rates and fees.)

These cards do offer additional perks that can make them worth your while: The Amex Gold Card has annual credits with Uber, Dunkin’ and Resy, plus an annual dining credit, while the Amex Blue Cash Preferred has additional bonus categories like streaming and gas stations. Terms apply; enrollment may be required.

But when it comes to grocery spending alone, the Capital One Savor wins out.

If you spend $1,000 per month on groceries, here’s what you may earn back:

• Capital One Savor: $360 back per year (3% cash back, $0 annual fee) See rates and fees.
• Amex Gold Card: ~$155 back per year (4X points, minus $325 annual fee) (see rates and fees)
• Amex Blue Cash Preferred: $420 back in your first year (no annual fee), but $325 back in subsequent years after you subtract the ongoing annual fee.

In short, the Capital One Savor (see rates and fees) gives you the most actual cash back in your pocket — without any of the fees or spending limits. Just note that the Capital One Savor’s grocery category excludes superstores.

Ready to start saving? Apply for the Capital One Savor Cash Rewards Credit Card today to reap the rewards on your next grocery trip (see rates and fees).

When the Amex Blue Cash Preferred is better

The Amex Blue Cash Preferred does edge out the Capital One Savor (see rates and fees) if you spend $855 or less per month on groceries. Here’s how:

Image source: Generated by author.

Past the $6,000 yearly threshold ($500/month), you can see the Capital One Savor start to catch up, as it’ll keep earning at a 3% rate while the Amex Blue Cash Preferred’s rate drops down to 1%.

It doesn’t surpass the Amex Blue Cash Preferred until the $855/month mark, however, meaning if you spend less than that, you’re likely better off with the Amex Blue Cash Preferred.

Save on your next big grocery trip today

If your grocery bill tops $1,000 per month, the Capital One Savor Cash Rewards Credit Card (see rates and fees) is hard to beat.

With 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), a $0 annual fee, and no spending cap on rewards, it delivers consistent, effortless savings for families.

Apply for the Capital One Savor Cash Rewards Credit Card today (see rates and fees) and start earning more back on grocery runs now.