Looking for the best card to use while grocery shopping? These options will help you score major savings, regardless of your credit profile.
Since shopping for groceries is one of the main weekly expenses in every American household (Americans spend an average of $4,464 in groceries every year, according to the U.S. Bureau of Labor Statistics), it makes sense why more credit cards are offering rewards tied to grocery shopping. However, because the number of cards – and their grocery offers – has increased due to competition, it may be hard to decide which of these cards is best for you.
We’ve compiled a list of the best credit cards for groceries in 2022, so keep reading to learn which option is right for your lifestyle.
American Express® Gold Card: Best for earning Membership Rewards points on groceries
The Amex Gold gives you an unprecedented rewards rate whether you’re dining in or out. Plus, paying at certain eligible restaurants after enrollment can get you up to $10 a month in statement credits. You also get up to $120 in Uber Cash every year ($10 per month) that you can apply to U.S. Uber Eats orders – a big plus for those who order their groceries through the platform. (You must add your Gold Card to the Uber app in order to receive the Uber Cash benefit.)
Further, the Amex Gold’s welcome bonus of 60,000 points when you spend $4,000 in the first six months is excellent, and there are many redemption options, including gift cards, merchandise and travel (with no blackout dates).
This American Express credit card charges an annual fee of $250, but if you take advantage of both the Uber Cash and dining credit benefits, keeping the Amex Gold will essentially cost you $10 every year.
If you are fine with only redeeming travel directly through amextravel.com or Amex’s airline partners to maximize the value of the Membership Rewards points you’ll earn, this is a great choice for foodies and travelers.
Here’s a closer look at the features:
- 60,000 American Express Membership Rewards points when you spend $4,000 in the first six months
- 4X points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X points)
- 4X points at restaurants, including takeout and delivery in the U.S.
- 3X points on flights booked directly through airlines or via amextravel.com
- 1X points on all other purchases
- Up to $120 in annual dining credits (up to a $10 statement credit monthly) when you pay at Grubhub, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and participating Shake Shack locations (enrollment required)
- Up to $120 in Uber Cash annually ($10 per month)
- No foreign transaction fees
Blue Cash Preferred® Card from American Express: Best for earning cash back on groceries
Even though it has fewer features than the Amex Gold, the Blue Cash Preferred gives you perhaps the highest cash back rate available on groceries, and it has a lower annual fee – $0 introductory annual fee for the first year, then $95. Plus, running grocery-related errands is way easier when you get cash back on gas for the commute. Take a closer look:
- $300 statement credit when you spend $3,000 in the first six months
- 6% cash back at U.S. supermarkets (on up to $6,000 in purchases per year, then 1%)
- 6% back on select U.S. streaming subscriptions, such as Netflix, Hulu or HBO Max
- 3% back at U.S. gas stations
- 3% back on transit purchases
- 1% back on other purchases
Capital One® Savor® Cash Rewards Credit Card*: Best for earning cash back on groceries and dining out
The Capital One Savor is a cash back card for those with way too packed a social life to buy groceries. Cardholders get 3% cash back at grocery stores for those times when your social calendar eases up and you can actually get to the store. Otherwise, you get way more return on your cash back when you dine out or see a show.
Plus, if you love concerts, 8% cash back on tickets through Vivid Seats (until January 2023) is absolutely unprecedented.
Check out the details:
- $300 cash bonus if you spend $3,000 in the first three months
- 8% cash back on tickets through Vivid Seats (offer expires January 31, 2023)
- 4% back on dining, entertainment and eligible streaming services
- 3% back at grocery stores (excluding superstores like Walmart and Target)
- 1% back on all other purchases
- $95 annual fee
Capital One Walmart Rewards® Mastercard®: Best for earning cash back on Walmart purchases
Why go to a standard grocery store when superstores allow you to get the grocery shopping done all in one shot? For those who prefer one-stop shopping, the Capital One Walmart Rewards Mastercard may be a good fit.
This card offers 5% cash back on Walmart purchases online, including grocery and delivery orders, as well as 5% back on in-store purchases in the first year (when you pay using the Walmart Pay digital wallet). Further, you can earn some rewards outside of Walmart purchases, including 2% back at restaurants and travel and 1% back on all other purchases.
Where this card really shines is online, especially if you do a lot of grocery pickup or delivery orders from Walmart.com. It’s very easy to apply for and carries no annual fee. Here’s a quick look at what the card has to offer:
- 5% cash back on Walmart.com purchases, including grocery pickup and delivery orders
- 5% back on in-store purchases for the first 12 months when using Walmart Pay
- 2% back on purchases in Walmart stores and fuel stations
- 2% back on restaurant and travel purchases
- 1% back on all other purchases
- No annual fee or foreign transaction fees
- Easy application via text message
- Card automatically transferred to Walmart Pay digital wallet upon approval
- Fraud alerts and the ability to freeze your account
Amazon Prime Rewards Visa Signature Card*: Best for online shopping at Amazon.com or shopping at Whole Foods
The Amazon Prime Rewards Visa Signature Card is a great option for consumers who prefer to shop at Amazon.com or Whole Foods for their groceries. This is because the card offers a 5% cash back rate on both Amazon.com purchases and at Whole Foods locations. Not only this, but you’ll also earn 2% cash back on restaurant, gas station and drugstore purchases and 1% back on everything else. Here are some notable features of the card:
- 5% cash back on both Amazon.com and Whole Foods purchases
- 2% back at restaurants, gas stations and drugstores
- 1% back on all other purchases
- $150 Amazon.com gift card upon approval
- $0 annual fee ($119 Amazon Prime membership required)
- No foreign transaction fees
Though the card doesn’t technically charge an annual fee, you’ll need to have Amazon Prime membership in order to qualify, which costs $119 per year. If your spending habits at Whole Foods and on Amazon.com are high enough already, you would benefit from the membership and could potentially offset the cost through earned rewards.
Citi Custom Cash℠ Card: Best for customized rewards options
The Citi Custom Cash is great for flexible rewards options and can prove to be a valuable card for grocery shopping – especially if it’s where you spend the most money. This is because with the Citi Custom Cash Card, you’ll earn 5% cash back in your top eligible spend category each billing cycle. However, this is only good for up to $500 that you spend, then you’ll receive 1% cash back, which is something to keep in mind. Besides that, you’ll earn 1% cash back on everything else. If your highest spend category is groceries, and you typically spend about $500 per month on those purchases, this rate puts it on par with the most lucrative grocery cards.
- 5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent, then 1% back)
- 1% back on all other purchases
- $200 cash back after you spend $750 on purchases in the first 3 months of account opening
- 15-month 0% intro APR on purchases and balance transfers (14.74% to 24.74% variable APR after)
- No annual fee
Comparing the best cards for grocery shopping
|Card||Grocery bonus||Other rewards||Annual fee|
|American Express® Gold Card||4X points spent at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X points)||$250|
|Blue Cash Preferred® Card from American Express||6% cash back at U.S. supermarkets (on up to $6,000 in purchases per year, then 1%)||$0 introductory annual fee for the first year, then $95|
|Capital One® Savor® Cash Rewards Credit Card||3% cash back at grocery stores (excluding superstores like Walmart and Target)||$95|
|Capital One Walmart Rewards® Mastercard®||$0|
|Amazon Prime Rewards Visa Signature Card||$0 ($119 Amazon Prime membership required)|
|Citi Custom Cash℠ Card||$0|
There is no shortage of credit card options that reward grocery spending, so in addition to our top picks above, consider these alternatives.
- Capital One SavorOne Cash Rewards Credit Card – A no-annual-fee alternative to the Capital One Savor Card, the SavorOne offers the same 3% cash back on grocery store purchases (excluding superstores like Walmart and Target). While it offers a slightly lower rate on dining and entertainment than the Savor card, the SavorOne is a good alternative for those wary to pay an annual fee.
- Citi Rewards+® Card – The Citi+ Rewards card is a great grocery credit card, offering 2 ThankYou points per dollar at supermarkets (and gas stations) on up to $6,000 per year in purchases, then 1 point per dollar. This card also offers a decent welcome bonus: Earn 20,000 bonus points when you spend $1,500 in the first three months of opening your account, which is equivalent to $200 in gift cards at thankyou.com.
- U.S. Bank Altitude® Go Visa Signature® Card – The U.S. Bank Altitude Go Card offers a competitive rewards rate on both dining and grocery purchases – 4X points on dining (including food delivery) and 2X points on grocery purchases. It also offers 2X points on gas and streaming service purchases and 1X points on everything else. Plus, it doesn’t charge an annual fee.
- Chase Sapphire Preferred® Card – The Chase Sapphire Preferred has long been a fan-favorite travel credit card, but it received a refresh that makes it a valuable choice for grocery spending, too. Thanks to some new additions to its rewards rate, it now offers 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs). While you’ll need to be a fan of online grocery shopping to take advantage of the rate, it is still a nice choice for those looking to rack up Ultimate Rewards points.
How to choose a card for grocery shopping
For most of us, using a credit card at a grocery store simply involves taking it out in the checkout line. But if you want to up your grocery shopping game and save some serious money, here are some tips to keep in mind when determining if a card is right for you:
- Look for a card with a high cash back rate that can provide a percentage off every time you shop.
- Focus on cards that offers specific rewards every time you spend on groceries.
- Choose a card with rewards that don’t expire.
- Keep an eye out for cards that offer multiple redemption options and allow rewards transfers between accounts.
- Be aware of any limits on the amount of rewards you can earn. For example, the Blue Cash Preferred limits the 6% cash back rate spent at U.S. supermarkets annually to $6,000 in purchases (then 1%).
- Consider how fast you’ll receive cash back. For example, some cards can take weeks to award you after redemption.
- Always keep track of the terms of your credit card and compare card features before making your final selection.
“When you use a cash back card, it’s like having a coupon to save a certain amount off your total purchase each and every time you buy groceries. This savings isn’t limited to grocery stores – a flat-rate rewards card will apply the same cash back or miles to all of your purchases,” says Ashley Dull of CardRates.com.
How to earn the most rewards while grocery shopping
If you really want to maximize your rewards at the grocery store, stack your savings with a cash back app such as Ibotta, Fetch Rewards or Checkout 51. Your grocery store’s loyalty app is also a great way to double-dip on savings.
“By taking a few minutes to scan in your grocery receipts, a family of four can easily earn over $25 a month in rewards,” says Nermeen Ghneim of personal finance blog The Savvy Dollar.
Finally, if you’re choosing a store-branded credit card because you tend to shop at the same store all the time, make sure you pay off the balance before the billing cycle resets, as store cards tend to have very high interest and fees.
“Many people know that making a habit of paying off high interest credit cards will actually have a slightly negative effect on their credit,” says Dan Gallagher, author, retired financial planner and personal finance expert at ScoreSense.com. “But some grocery credit cards are in-house credit extensions, especially the ones that are valid in-store only. The in-store-only variety does not harm your score for avoiding interest and paying balances off early, so do not fear a grocery store credit card.”
Shopping for groceries is one of the main weekly expenses in most American households, so it makes sense to open a credit card that will allow you to earn cash back on grocery purchases.
There are many different options on the market right now, so determining which one is right for you can prove daunting. However, by consulting our guide, you’re bound to find the best grocery credit card of 2022 to start accruing awards in the way that’s right for you.
*All information about the Capital One Savor Card and the Amazon Prime Rewards Visa Signature Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.