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Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.
These offers are no longer available on our site: Target RedCard™, Capital One® Savor® Cash Rewards Credit Card, Capital One® SavorOne® Cash Rewards Credit Card
If you hit the supermarket all the time, then you might want to look into getting a credit card that rewards you for getting groceries. Here’s our take on the best credit cards for groceries.
- Best for big savings on groceries: Target RedCard™
- Best for saving money wherever you shop for groceries: Blue Cash Preferred® Card from American Express
- Best for online grocery delivery: Amazon Prime Rewards Visa Signature Card
- Best for feeding a big family: Costco Anywhere Visa® Card by Citi
- Best for grocery shoppers on a budget: Capital One® Walmart Rewards™ Card
- Best for grocery shoppers who don’t always feel like cooking: Capital One® Savor® Cash Rewards Credit Card
- Best for students: Bank of America® Cash Rewards credit card for students
- Best for annual fee: Blue Cash Everyday® Card from American Express
Here’s why: If you live near a Target, you could save a lot of money on groceries with the Target RedCard™ .
The Target RedCard™ offers a 5% discount on most in-store purchases, including groceries.
When you shop online, you’ll not only receive the same 5% discount, but you could also score an additional 5% discount (for a total of 10% off) by setting up a recurring Target subscription and having groceries delivered to your home. And depending on the item, you can receive free two-day shipping without worrying about a purchase minimum on most items. Plus, there’s a $0 annual fee.
But if you don’t live near a Target or you like shopping at other grocery stores, this might not be the best card for you.
Check out our review of the Target RedCard™.
From our partner
Best for saving money wherever you shop for groceries: Blue Cash Preferred® Card from American Express
Here’s why: The Blue Cash Preferred® Card from American Express is one of the best credit cards for grocery shoppers.
You’ll earn 6% cash back on up to $6,000 in purchases each year at U.S. supermarkets, then 1%.
The card also offers 6% cash back on select U.S. streaming services, 3% cash back at U.S. gas stations and on transit (including taxis/rideshares, parking, tolls, trains, buses and more), and 1% cash back on all other purchases.
You’ll also earn a $250 statement credit when you spend $1,000 on purchases during the first 3 months after your account opens.
This might be a better option than the Target RedCard™ for people who like to shop at other grocery stores or prefer to pick up their groceries in-store instead of waiting for delivery.
Here’s why: The Amazon Prime Rewards Visa Signature Card could help you earn up to 5% cash back at Amazon.com, including on online grocery delivery purchases from Prime Now, and at Whole Foods Market.
Amazon is rolling out grocery delivery from Whole Foods in more than three dozen cities across the country, but it still has a relatively limited reach. So if you don’t live in one of those cities, you may have to wait. But the card does offer 2% cash back on restaurants, so you can order in while you wait.
You’ll also receive a $100 Amazon.com gift card automatically after being approved for the card — a decent amount to put toward groceries or other Amazon purchases.
The Amazon Prime Rewards Visa Signature Card does not charge an annual fee, but you must be an Amazon Prime member to earn 5% cash back. Prime membership costs $119 per year, essentially amounting to an annual fee.
Here’s why: If you have a big family to feed (or you’re stockpiling food for your doomsday shelter), the Costco Anywhere Visa® Card by Citi could help you save money when you buy groceries in bulk.
You might be able to earn up to 4% cash back on groceries. We say “might” because it’s a two-part reward.
The card offers a minimum of 2% cash back on Costco purchases, including groceries. But only Costco’s executive members can earn an additional 2% on qualified purchases, on up to $1,000 in cash back in a 12-month period. And if you decide you don’t feel like making dinner, you can earn 3% back for dining out at restaurants.
These discounts are on top of any money you’ll save by buying in bulk.
While there is no annual fee, the catch is that you must be a Costco member to enjoy the perks this card has to offer. A basic Gold Star membership costs $60 per year, but if you want to upgrade to an executive membership so you can earn a total of 4% cash back on groceries, it’ll set you back $120 per year.
To figure out if the Costco Anywhere Visa® Card by Citi is worth it for you, you’ll need to figure out how much your family spends on groceries each year and weigh that against the cost of a Costco membership.
Here’s why: The Capital One® Walmart Rewards™ Card stacks cash back on top of Walmart’s “everyday low prices.”
Here’s what you’ll earn on purchases using this card.
- 5% cash back: Walmart.com, Walmart app, grocery pickup and delivery
- 2% cash back: Restaurants, travel, Walmart stores in the U.S. and Puerto Rico, Walmart and Murphy USA gas stations
- 1% cash back: All other eligible purchases
Plus, you’ll earn 5% cash back on Walmart store purchases for the first 12 months you have the card as long as you pay via Walmart Pay on your phone.
That all adds up to a pretty good deal, especially if you’re all about the convenience of grocery delivery. And there’s no annual fee to eat into your rewards.
One important thing to note before applying: There are two versions of this card. The one covered here is a regular Mastercard credit card, which means that it would be accepted wherever Mastercard is allowed. The other card, the Walmart Rewards Card, can be used only at Walmart stores and gas stations as well as its app and website. The card can also be used at Sam’s Club locations and gas stations, along with Murphy USA gas stations.
If you apply for the Capital One® Walmart Rewards™ Card and don’t get approved, you’ll automatically be considered for the Walmart Rewards Card. The Walmart Rewards Card may still be a good deal if you do most of your shopping at Walmart, but be sure to look into the terms and conditions for the rewards before accepting an offer.
Best for grocery shoppers who don’t always feel like cooking: Capital One® Savor® Cash Rewards Credit Card
Here’s why: The Capital One® Savor® Cash Rewards Credit Card rewards you for purchases made at grocery stores and dining at restaurants — for those nights when you don’t feel like cooking.
You’ll earn 2% cash back at grocery stores with the Capital One® Savor® Cash Rewards Credit Card.
And if you’re working late and are too tired to cook when you get home — or forgot to go grocery shopping — you can head to your favorite restaurant instead, using this card to earn 4% cash back on dining. You’ll also earn 1% cash back on all other purchases.
The Capital One® Savor® Cash Rewards Credit Card also offers a $300 cash bonus after you spend $3,000 on purchases during the first 3 months after opening the card.
The Capital One® Savor® Cash Rewards Credit Card comes with an annual fee of $0 intro, $95 after first year, but if you prefer a card with no annual fee at all, take a look at the card’s sibling: the Capital One® SavorOne® Cash Rewards Credit Card. You’ll still earn 2% cash back at grocery stores with this card, but only 3% cash back when dining at restaurants (as well as 1% cash back on all other purchases).
From our partner
Here’s why: The Bank of America® Cash Rewards credit card for students is great for young scholars who are living off campus and don’t have a meal plan.
Once a month, this card lets you choose from various categories, including dining, to earn 3% cash back in that category (other categories include gas, online shopping, travel, drug stores, and home improvement and furnishings). You also earn 2% back at grocery stores and wholesale clubs, and 1% on everything else.
There is a cap on how much you can earn at the 3% and 2% cash back rates though. Each quarter, you’ll get the bonus 3% and 2% cash back rates on only the first $2,500 in combined choice category/grocery store/wholesale club purchases. After you meet that quarterly cap, you’ll get 1% cash back on purchases in those categories.
The card also comes with a $200 online cash rewards bonus if you spend $1,000 on purchases during the first 90 days after opening your account.
With the cost of college tuition rising, some students may find it advantageous to cancel their meal plan and save money by cooking at home. And while you’re at it, you might as well earn cash back with the Bank of America® Cash Rewards credit card for students. You’ll also save on this card because it has no annual fee.
Here’s why: If you want to save money on groceries without paying for an annual fee, take a look at the Blue Cash Everyday® Card from American Express .
The Blue Cash Everyday® Card from American Express offers a solid 3% cash back on up to $6,000 in purchases a year at U.S. supermarkets, then 1%. You also get 2% back at U.S. gas stations and certain U.S. department stores, and 1% cash back on everything else.
And you can earn a welcome bonus of $150 as a statement credit after spending $1,000 on purchases in the first 3 months after opening the card.
Best of all, there’s a $0 annual fee.
How we picked these cards
We searched far and wide for the best credit cards for groceries.
We started by putting ourselves in the carts of grocery shoppers and asking what they care about the most? That’s easy. Saving money.
But how they save money depends on where they are in life and their shopping habits. For example, a family of four will shop for groceries differently than a college student would. By answering questions like these, we were able to figure out which credit cards are best for different types of grocery shoppers.
How to make the most of your grocery credit card
To get the most out of your grocery credit card, you need to figure out what type of shopper you are and decide on the credit card that best fits your needs.
Then, make sure you use that card every time you go grocery shopping.
Depending on the credit card you select, you might be able to earn a sign-up bonus or rewards that could help pay for groceries.
Just make sure you pay off your credit card on time and in full every month. Otherwise, the interest charges will add up over time and you’ll have less money to go toward feeding yourself — or your family.