The best credit cards for groceries

Hear from our editors: The best credit cards for groceries of October 2026

Updated October 15, 2026

This date may not reflect recent changes in individual terms.

Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Written by: Liza Carrasquillo, Editor, Credit Cards

Edited by: Eric Freeman, Editorial Lead, Credit Cards

Credit cards geared toward grocery shopping can reward you for spending on everyday essentials. Here’s our take on the best credit cards for groceries.

• Best for cash back on groceries: Blue Cash Preferred® Card from American Express
• Best for groceries and gas: Blue Cash Everyday® Card from American Express
• Best for no annual fee: Capital One Savor Cash Rewards Credit Card
• Best for groceries and restaurants: American Express® Gold Card
• Best for travel: Citi Strata Premier® Card
• Best for Target groceries: The Target™ Mastercard®
• Best for Whole Foods and Amazon: Amazon Prime Visa
• Best for Costco members: Costco Anywhere Visa® Card by Citi

Best for cash back on groceries: Blue Cash Preferred® Card from American Express

Here’s why: The Blue Cash Preferred® Card from American Express offers a terrific rewards rate for grocery shoppers, especially those who won’t max out the yearly spending limit too quickly.

You can earn …

• 6% cash back on up to $6,000 in eligible purchases each year at U.S. supermarkets (then 1%)
• 6% cash back on select U.S. streaming services
• 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshares, parking, tolls, trains and busses)
• 1% cash back on all other purchases

The Blue Cash Preferred Card has a $0 intro annual fee for the first year, then $95.

Read more about the Blue Cash Preferred® Card from American Express.

Best for groceries and gas: Blue Cash Everyday® Card from American Express

Here’s why: The Blue Cash Everyday® Card from American Express lives up to its name as an everyday spending card.

It offers a solid 3% cash back on U.S. grocery purchases on up to $6,000 spent per year. You’ll get the same 3% rate on to U.S. gas station purchases and U.S. online retail purchases (on up to $6,000 spent per year in each category). After hitting the spending cap in each category, you’ll earn 1% cash back.

The card also offers 1% cash back on all other purchases and has a $0 annual fee.

Learn more about the Blue Cash Everyday® Card from American Express.

Best for no annual fee: Capital One Savor Cash Rewards Credit Card

Here’s why: The Capital One Savor Cash Rewards Credit Card has no annual fee and no cap on the rewards you can earn. You’ll get 3% cash back on groceries without having to worry about hitting a spending limit.

In addition to 3% back on groceries, the card also offers …

• 8% cash back on purchases made through Capital One Entertainment
• 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
• 3% cash back on dining, entertainment and popular streaming services
• 1% on all other purchases

Learn more about the Capital One Savor Cash Rewards Credit Card. 

Best for groceries and restaurants: American Express® Gold Card

Here’s why: The American Express® Gold Card offers a consistently high earning rate on groceries and allows you to redeem your rewards in various ways — most notably with travel transfer partners.

Here’s what you’ll earn.

• 4 Membership Rewards® Points per $1 spent at U.S. supermarkets on up to $25,000 spent per year
• 4 points per $1 at restaurants worldwide, including takeout and delivery in the U.S., on up to $50,000 per year
• 1 point per $1 after you hit the category spending caps 
• 1 point per $1 on purchases outside of the bonus categories

The card also offers a range of food credits, including:

• $120 dining credits (up to $10 monthly when you enroll and pay at Grubhub and select restaurants)
• $100 Resy credits (up to $50 in statement credits from January through June and up to $50 in statement credits from July through December — enrollment required)
• $84 Dunkin’ credits (up to $7 monthly when you enroll and pay at U.S. Dunkin’ locations)

The card charges a $325 annual fee, so you’ll need to take advantage of the points you earn and the card’s other benefits to find the card worthwhile.

Read more about the American Express® Gold Card.

Best for travel: Citi Strata Premier® Card

Here’s why: If you’re interested in turning the points you earn on groceries into travel rewards, consider getting the Citi Strata Premier® Card.

The card offers three ThankYou^® Points per $1 spent at supermarkets with no spending cap. Here’s what else you can earn.

• 10 points per $1 spent on hotels, attractions and car rentals booked through Citi
• 3 points per $1 spent on air travel and other hotel purchases 
• 3 points per $1 spent at restaurants
• 3 points per $1 spent on gas and EV charging stations
• 1 point per $1 spent on all other purchases

The card has a $95 annual fee. Read more about the Citi Strata Premier® Card.

Best for Target groceries: The Target™ Mastercard®

Here’s why: The Target™ Mastercard®. This card has no annual fee and offers 5% off all Target in-store and online purchases, including grocery purchases. You can also earn …

• 2% cash rewards on dining and gas station purchases made outside of Target
• 1% cash rewards on all other purchases outside of Target

You can redeem your rewards toward a Target gift card with a $10 minimum redemption.

When you apply for a Target credit card, you may be considered for both the Target™ Mastercard® and the Target Circle™ Card. If you’re not approved for the Target™ Mastercard®, you may still be approved for the Target Circle™ Card, which you can only use at Target.

Best for Whole Foods and Amazon: Amazon Prime Visa

Here’s why: The Amazon Prime Visa offers 5% cash back at Amazon.com and Whole Foods Market. You can also get …

• 10% cash back on select rotating products through Amazon.com 
• 5% cash back on Chase Travel purchases
• 2% cash back at restaurants, at gas stations and on local transit and commuting
• 1% cash back on all other purchases

You can redeem your cash back for eligible purchases at Amazon or Whole Foods, or through your Chase account.

The Amazon Prime Visa has a $0 annual fee, but you must pay for an Amazon Prime membership to qualify for the card’s highest rewards rates.

Learn more about the Amazon Prime Visa.

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

Here’s why: If you have a big family to feed, the Costco Anywhere Visa® Card by Citi could help you save money when you buy groceries in bulk.

The card offers 2% cash back on Costco purchases, including groceries. And if you decide you don’t feel like making dinner, you can earn 3% back for dining out at restaurants. Additionally, you’ll get 5% back on gas at Costco and 4% back on other gas and electric vehicle charging purchases on up to $7,000 in combined spending each year (1% after that). All other purchases earn 1% cash back.

While there’s a $0 annual fee, you must be a Costco member to qualify for the card.

Learn more about the Costco Anywhere Visa® Card by Citi.

How we picked these cards

To pick 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, as well as where and how they tend to shop for groceries. For example, a family of four will shop differently than someone who prefers to eat out and just stocks up on essentials. That’s why we chose a mix of general cards and retail cards that offer strong rewards rates relative to their annual fees — or lack thereof.

How to make the most of your grocery credit card

To get the most out of your grocery credit card, 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. Following these steps can help you get started with the right grocery credit card:

1. Look at your grocery shopping habits. Break down how much you typically spend on groceries in a month and where you do your shopping.
2. Compare cards that suit those habits. Some grocery credit cards have spending limits, so do the math to see how long it would take you to reach that limit. You might be better off getting a card with a lower rewards rate and no spending cap if you find that you’ll reach that limit quickly. If you generally shop at one location for groceries, try to see whether that brand offers a credit card.
3. Check your credit scores. Once you’ve chosen a credit card, be sure to check your scores. If you don’t think you’d be approved for the card you want, take some time to raise your credit score or consider another card.
4. Start using your credit card. Once approved, be sure to use that credit card every time you go grocery shopping. Take advantage of available promotions or sign-up bonuses if possible.

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.