7 Best Credit Cards for Groceries

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This offer is no longer available on our site: Amazon Prime Visa

Earning maximum rewards on your regular grocery spending is easier with the right credit card. Whether you prefer cash back, points or discounts, our list of the best credit cards for groceries will help you find a card that matches your financial priorities.

Best for most grocery shopping: Blue Cash Preferred® Card from American Express

Here’s why: The Blue Cash Preferred® Card from American Express offers an outstanding 6% cash back on up to $6,000 you spend each year on eligible purchases at U.S. supermarkets, then 1%.

You’ll also get 6% cash back on select U.S. streaming services, 3% cash back at eligible U.S. gas stations and on transit, and 1% cash back on all other purchases.

The card has a $0 intro annual fee for the first year, then $95.

Best for Whole Foods and Amazon shoppers: Amazon Prime Visa

Here’s why: The Amazon Prime Visa offers an unlimited 5% cash back at Amazon.com, Amazon Fresh and Whole Foods Market for Amazon Prime members.

The card, which has a $0 annual fee, also offers 5% back on purchases made through Chase Travel, 2% back at restaurants, gas stations and on local transit and commuting, and 1% back on everything else.

Best for no annual fee: Blue Cash Everyday® Card from American Express

Here’s why: The Blue Cash Everyday® Card from American Express can help you save money on groceries without paying an annual fee.

You’ll earn 3% cash back on up to $6,000 each year in eligible purchases at U.S. supermarkets, then 1%.

The card also offers 3% back at U.S. gas stations on up to $6,000 in eligible purchases a year (then 1%), 3% back at U.S. online retailers on up to $6,000 in eligible purchases a year (then 1%) and 1% cash back on everything else.

Best for students: Bank of America® Customized Cash Rewards credit card for Students

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	0% Intro APR for 15 billing cycles for purchases	0% for 15 Billing Cycles for qualifying balance transfers	17.49% – 27.49% Variable APR on purchases	17.49% – 27.49% Variable APR on balance transfers

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Intro Balance Transfer APR
0% for 15 Billing Cycles for qualifying balance transfers
Regular Purchase APR
17.49% – 27.49% Variable APR on purchases
Regular Balance Transfer APR
17.49% – 27.49% Variable APR on balance transfers

Additional Rates and Fees

Cash Advance Rate	See Terms*
Cash Advance Fee	See Terms*
Late Fee	See Terms*
Penalty APR	up to 29.99% APR
Balance Transfer Fee	3% for 60 days from account opening, then 5%
Foreign Transaction Fee	3%
Return Payment Fee	See Terms*

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

^*See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

See details, rates & fees

Here’s why: The Bank of America® Customized Cash Rewards credit card for Students offers an automatic 2% cash back at grocery stores and wholesale clubs.

You’ll also earn 3% cash back in a category that you choose each month. You’ll get the 2% and 3% bonus rates on your first $2,500 in combined quarterly spending, then 1%. You’ll get an unlimited 1% cash back on all other purchases.

The available 3% categories include gas, online shopping, dining, travel and drug stores.

This card comes with a $0 annual fee.

Best for using grocery rewards on travel: American Express® Gold Card

Here’s why: The American Express® Gold Card can help you maximize your rewards on food-related purchases, including groceries.

You’ll earn four Membership Rewards® points per $1 spent at U.S. supermarkets on up to $25,000 per year and four points per $1 at restaurants worldwide, including takeout and delivery in the U.S., on up to $50,000 per year. After you hit the spending caps in the categories you’ll earn one point per $1 spent. Purchases made outside of the bonus categories also earn one point per $1.

The card has an annual fee of $325, so make sure you’ll get enough value from everything this card has to offer before applying.

Best for Target groceries: Target Circle™️ Card

Here’s why: The Target Circle™ Card offers a 5% discount on most in-store purchases, including groceries. This hefty discount also applies to online orders, deliveries and pickups.

You can combine the card’s 5% discount with rewards offered by Target Circle, the retailer’s free loyalty program that offers access to deals that will be automatically applied at checkout.

The Target Circle™ Card has no annual fee.

Best for Costco members: Costco Anywhere Visa® Card by Citi

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	N/A	N/A	18.74% – 26.74%* Variable	18.74% – 26.74%* Variable

Offer Terms
Annual Fee
$0
Intro Purchase APR
N/A
Intro Balance Transfer APR
N/A
Regular Purchase APR
18.74% – 26.74%* Variable
Regular Balance Transfer APR
18.74% – 26.74%* Variable

Additional Rates and Fees

Cash Advance Rate	28.74%* Variable
Cash Advance Fee	5%, Min: $10
Late Fee	See Terms*
Penalty APR	Up to 29.99% Variable
Balance Transfer Fee	Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Foreign Transaction Fee	0%
Return Payment Fee	Up to $41

Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Rates and fees

See details, rates & fees

Here’s why: You can save money on bulk grocery purchases with the Costco Anywhere Visa® Card by Citi.

The $0-annual-fee card offers 2% cash back on Costco purchases, including groceries.

You’ll also get 5% cash back on gas at Costco gas stations and 4% back on gas and EV charging at other gas stations on up to $7,000 in combined spending a year, then 1% back. Additionally, the card offers 3% cash back on restaurants and eligible travel purchases.

7 best credit cards for groceries

Brad Hanson

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