Top Cashback Credit Cards for Groceries
- See the top credit cards that can give you up to 6% cashback when you buy groceries.
- Check how no-fee cards stack up against top cards that offer travel rewards and extra bonuses.
- Find out how your spending in different categories can change what you get back at grocery stores and how easy it is to use your rewards.
- Look into how you can choose the card that matches the way you shop for groceries and fits your daily life.
- Get the most out of grocery savings by putting rewards together and using smart ways to pay.
Introduction
Grocery prices keep going up, and now they take a big part of most people’s budgets. One good way to spend less is to use a cashback credit card that gives rewards for buying groceries. No matter if you shop at a store or use a delivery service, picking the right credit card can help make your shopping feel better for you. A lot of cards give cashback, points, or special offers that are made to help you save when you buy food and other items you need. When you choose a card that matches how you shop, you can get more value every time you go grocery shopping.
Top Cashback Credit Cards for Groceries
Blue Cash Preferred® Card from American Express
- Grocery Cashback: 6% back at U.S. supermarkets for up to $6,000 each year. After this, you get 1%.
- Bonus: Get a $250 statement credit when you spend $3,000 in the first 6 months.
- Other Perks: Get 6% back on certain streaming services and 3% back on transit and gas.
- Annual Fee: There is no fee for the first year. After that, it is $95.
This card is made for people who often shop for groceries and for families. It gives good rewards for what you buy. You also get extra lifestyle benefits. These include credits for streaming and coverage for things you buy.
Citi Custom Cash® Card
- Grocery Cashback: Get 5% back on your top spending type each month, up to $500.
- Bonus: Earn $200 when you spend $1,500 in your first 6 months.
- APR Offer: Enjoy 0% for 18 months on money you move over from other cards.
- Annual Fee: There is no yearly fee.
This card changes based on your biggest spending area each month. It works well for people who spend a different amount on groceries every month.
Chase Freedom Flex℠
- Grocery Cashback: Get 5% back on certain types of spending. You need to sign up each time. The most you can earn this way is up to $1,500 every three months.
- Bonus: You get $200 after you spend $500 in the first 3 months.
- APR Offer: Pay no interest for 15 months on what you buy and when you move money from other cards.
- Annual Fee: You do not have to pay any yearly fee.
If you can plan your spending for each part of the year, this card gives you good grocery cashback during certain months. You also get 3% back on one-day dining and at drugstores no matter what time of year it is.
Capital One SavorOne Cash Rewards Credit Card
- Grocery Cashback: You get 3% back when you shop at grocery stores, go out to eat, or spend money on entertainment.
- Bonus: You will get $200 if you spend $500 in the first 3 months.
- Annual Fee: You do not have to pay a yearly fee.
This card gives you steady rewards in main spending areas. You also get travel accident insurance. It comes with extra warranty coverage, too.
Bank of America® Customized Cash Rewards Credit Card
- Grocery Cashback: You get 3% back in a category you pick, like groceries. You will also get 2% back at grocery stores and at wholesale clubs.
- Bonus: You can get $200 after you spend $1,000 in the first 90 days.
- Annual Fee: There is no fee each year.
This card gives you ways to change your rewards to be what you need. You can use what you get how you want, like getting statement credits or sending money right to your bank. This is good for people who like to keep a close eye on their budget every month.
American Express® Gold Card
- Grocery Cashback: You get 4x Membership Rewards® when you eat at restaurants or order food to your home and 3x at U.S. supermarkets (up to $25,000 for the year).
- Bonus: You will get 60,000 points after you spend $6,000 in the first 6 months.
- Annual Fee: The fee for this card is $250.
The card does have a higher yearly fee, but you get many ways to use it for travel and eating out. It also gives good ways to use your points.
Blue Cash Everyday® Card from American Express
- Grocery Cashback: Get 3% back when you buy groceries at U.S. supermarkets. This works for up to $6,000 each year.
- Bonus: You get $200 when you spend $2,000 in the first 6 months.
- Fee: There is no fee each year.
This is a simple card that gives you good cashback on groceries. You do not have to pay a yearly fee for it, which makes it great for people who do not spend a lot.
Prime Visa
- Grocery Cashback: Get 5% back when you shop at Amazon.com or Whole Foods if you are a Prime member
- Bonus: Receive a $100 Amazon gift card right away once you are approved
- Yearly Fee: None, but you do need to have a Prime membership
This card is best for people who shop at Amazon or Whole Foods often and want to get good cash back. It is good for those who also want to keep their costs low.
Instacart Mastercard®
- Grocery Cashback: You get 5% back when you buy things on Instacart and 2% back when you use it at restaurants and streaming services.
- Bonus: You get a $100 Instacart credit and free Instacart+ for one year.
- Yearly Fee: None
This card is good for people who shop for groceries online. It gives rewards when you buy groceries on the internet. You also get an easy way to use your points and some extra perks for your lifestyle.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
- Grocery Cashback: Get up to 6% back when you shop at two stores you pick
- Bonus: Receive $250 after you spend $2,000 in the first 120 days
- Yearly Fee: $95
This card can be changed to fit what you like. It works best for people who want nice rewards when they shop at their top stores.
Wells Fargo Active Cash® Card
- Grocery Cashback: You get 2% back on all the right purchases at grocery stores with no cap.
- Bonus: Get $200 if you spend $500 in the first 3 months.
- Annual Fee: You do not have to pay any yearly fee.
This card has a flat rate. You can use your rewards in many ways. It is a good choice for people who want steady rewards. You do not need to keep up with different categories.
Citi Double Cash® Card
- Grocery Cashback: You get 1% every time you buy and 1% every time you pay. That means you can get 2% in total.
- Fee Each Year: There is no fee for this.
- This cashback card gives you high rewards on every purchase. The way you earn is simple and easy to understand.
Costco Anywhere Visa® Card by Citi
- Grocery Cashback: Get 2% at Costco and other grocery stores that are part of the offer
- Other Perks: Get 4% at gas stations and 3% when you eat out or travel
- Annual Fee: There is no yearly fee, but you need to have a Costco membership
This is a good choice for Costco members who want to earn rewards on spending in many everyday areas.
Features to Consider When Choosing a Grocery Credit Card
Rewards Rates and Categories
It is important to know how the rewards on your card work. Some cards give you more cashback when you buy groceries. Others may want you to activate an offer first or spend a certain amount of money before you get the reward. You should look for cards that have steady grocery rewards. Also, check if there are changing reward categories or limits on how much you can earn. Pick the one that fits your budget and the way you shop.
Annual Fees vs. Value
Cards with yearly fees can still give good value. Look at your usual monthly grocery spending. See how the rewards you get compare to these costs. This will help you find out if cards like the Amex Gold or Blue Cash Preferred are worth the fee.
Redemption Flexibility
Many grocery credit cards let you use your rewards in different ways. You can get statement credits, direct deposits, or gift cards, or use points for booking travel. When you have more ways to use your rewards, it can be easier to put them toward your money goals.
Tips to Maximize Grocery Cashback
- Use cards with bonus or rotating categories: Plan your grocery shopping for the time when the right category lines up. This way, you get higher rewards.
- Pair with loyalty programs: Use the store rewards together with your credit card cashback. Doing both can give you more money back.
- Pay off balances monthly: Be sure to pay the full balance each month. This helps you avoid extra charges that can take away the benefits from getting cash back.
Common Pitfalls to Avoid
Overspending to Chase Rewards
Spending more money than you need to get rewards can lead to debt. It can also take away your savings. Stick to your budget and do not buy things you do not need.
Ignoring Fees
Some cards have yearly fees. The rewards you get from the card may not always cover this cost. It’s a good idea to check the numbers. Look at your grocery spending to see if the card is worth having.
Missing Exclusions
Not every purchase will count. For example, some places like warehouse clubs or delivery services may not be seen as grocery stores. You should read your card’s terms to make sure.
Final Thoughts
The right grocery cashback credit card can help you save a lot of money on food over time. Try to choose a card that fits the way you shop. Some cards offer high cashback, others have many ways you can use your rewards, and some come with no yearly fees. If you use the card well, you can turn your daily spending into big savings as the year goes on.
Frequently Asked Questions
Do all grocery stores qualify for cashback?
Not always. Some cards do not work at warehouse clubs, discount stores, or delivery services. You should look at your card issuer’s list to know which stores you can use.
Can I earn cashback on online grocery purchases?
Yes, many cards now let you earn points on online grocery shopping. But the reward you get can change depending on the store or the website. Always read the card’s rules to know what you get.
Should I choose a flat-rate or category-based card?
If you often spend money in the same place, a category-based card can help you get more rewards. Flat-rate cards are good for people who want steady rewards and use the card for many things.
Will using a grocery credit card affect my credit score?
Yes, if you use a grocery credit card the right way, it can help your credit score. You need to pay the bill on time, and do not spend close to your limit. This will be good for your credit.
Updated by Albert Fang
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