The Best Credit Cards for Groceries and Supermarket Spending [January 2026]
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Even frequent flyers don’t survive on points and miles alone. Luckily, you don’t have to choose between your daily bread and earning points.
We’ve put our extensive card knowledge to finding the best cards for paying for groceries at the supermarket and explaining why these are the best for buying baguettes, purchasing paprika, and acquiring artichokes and avocados.
Here are the best cards for your everyday trip to the market.
Top Picks
American Express offers 2 credit cards that deliver excellent earnings on grocery and supermarket purchases.
Our favorite is the Blue Cash Preferred® Card from American Express, which has the highest cash-back earnings.
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Credit card | Welcome offer | Top benefits | Annual fee |
Blue Cash Preferred® Card from American Express  | $250Blue Cash Preferred® Card from American ExpressEarn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. | 1%-6% cash-backBlue Cash Preferred® Card from American Express
| $0 intro annual fee for the first year, then $95 (rates & fees) |
Blue Cash Everyday® Card from American Express  | $200Blue Cash Everyday® Card from American ExpressEarn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 1%-3% cash-backBlue Cash Everyday® Card from American Express
| $0 (rates & fees) |
American Express® Gold Card  | NEW OFFERAs High As 100,000 Points. Find Out Your Offer.American Express® Gold CardYou may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. | 1x-4x pointsAmerican Express® Gold Card
| $325 (rates & fees) |
Delta SkyMiles® Gold American Express Card  | 50,000 milesDelta SkyMiles® Gold American Express CardEarn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. | 1x-2x milesDelta SkyMiles® Gold American Express Card
| $0 introductory annual fee for the first year, then $150 (rates & fees) |
Chase Sapphire Preferred®  | NEW OFFER | 1x-5x pointsChase Sapphire Preferred® Card
| $95 (rates & fees) |
Blue Cash Preferred® Card from American Express (Top Pick, Highest Cash-Back)
This card offers a whopping 6% cash-back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. This is unbeatable.
HIGHEST CASH BACK
Terms Apply / Rates & Fees
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.49%-28.49% Variable,0% on purchases for 12 months
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Like This Card
The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.
With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!
Pros & Cons
Pros
- 6% cash-back at U.S. supermarkets (up to $6,000 per year)
- 6% cash-back on select U.S. streaming subscriptions
- 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
Cons
- $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
Card Highlights
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49% - 28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Financial Snapshot
- APR: 19.49%-28.49% Variable,0% on purchases for 12 months
- Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center
Redeem cash-back through your American Express account
Despite its annual fee, the Amex Blue Cash Preferred card more than makes up for it with additional cash-back on purchases at U.S. gas stations, select streaming subscriptions, and transit (taxis, ride-sharing, parking, tolls, trains, buses, and more).
Add a nice welcome bonus offer of a statement credit, and you receive far more value than the annual fee.
Blue Cash Everyday® Card from American Express (Best Card With No Annual Fee)
If you’d prefer a credit card that’s less expensive but still want those U.S. supermarket rewards, try the Amex Blue Cash Everyday card.
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.49%-28.49% Variable,0% on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Like This Card
When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?
This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.
Pros & Cons
Pros
- 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
- 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
- 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
Cons
- Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Card Highlights
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.49% to 28.49% variable APR.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Financial Snapshot
- APR: 19.49%-28.49% Variable,0% on purchases for 15 months
- Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Best Travel Rewards Credit Cards for Groceries
American Express® Gold Card (Highest Points Earning at U.S. Supermarkets, With Monthly Uber and Dining Credits)
If you want to optimize your monthly grocery spending and love earning travel rewards, you’d be hard-pressed to find a better card than the Amex Gold card.
NEW OFFER
Terms Apply / Rates & FeesApply Now(at Amex's secure site)As High As 100,000 Points. Find Out Your Offer.Good to Excellent
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Up to $2,200
$325
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Like This Card
The American Express® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros & Cons
Pros
- 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
- 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
- 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
- $325 annual fee (rates and fees)
- No lounge access
Card Highlights
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Financial Snapshot
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
Rewards Center
With it, you earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x. The card isn’t just great for grocery purchases alone, though, as it also earns 4x points at restaurants worldwide (up to $50,000 per calendar year, then 1x), and 3x points on flights purchased directly from airlines or at AmexTravel.com.
Plus, you get other perks, such as up to a $120 annual dining credit upon enrollment, up to $120 in annual Uber Cash (up to $10 per month for use on U.S. rides or Eats orders; you must add your card to your Uber account and pay for your order with an Amex card to use this benefit), and access to American Express transfer partners.
Delta SkyMiles® Gold American Express Card (Best Grocery Credit Card for Delta Flyers)
If you are a frequent Delta flyer, you might consider the Delta Gold card, which offers 2x SkyMiles at U.S. supermarkets (as well as at restaurants and on Delta purchases).
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card provides bonus SkyMiles on all purchases, along with a free checked bag, priority boarding, and discounted award flights.
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
This card provides bonus SkyMiles on all purchases, along with a free checked bag, priority boarding, and discounted award flights.
Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Up to $600
$0 introductory annual fee for the first year, then $150.
19.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Like This Card
Frequent Delta flyers will love the Delta SkyMiles® Gold American Express Card. The card offers great benefits that will help save you money, effectively mimics low-level elite status with Delta SkyMiles, and helps you earn miles even faster, all for a low annual fee. Let’s dive into the benefits to see if the Delta Gold card is a good fit for your needs.
Pros & Cons
Pros
- $100 Delta Stays Credit: You can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
- Receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Cons
- Moderate annual fee
- Earn rate for Delta flights is relatively low compared to other travel cards
Card Highlights
- Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a $0 introductory Annual Fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
- Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Financial Snapshot
- APR: 19.49%-28.49% Variable
- Foreign Transaction Fees: None
Rewards Center
In addition to the bonus earnings on grocery purchases, the Delta Gold card offers a range of perks and benefits that are particularly useful for frequent Delta travelers. You get your first checked bag free for you and up to 8 travel companions on Delta flights, as well as 20% back on inflight purchases and Zone 5 priority boarding. Another great benefit is that you use 15% fewer SkyMiles when booking award travel on delta.com or with the Fly Delta app.
Honorable Mention
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred card is one of the best all-around travel rewards cards on the market and an excellent choice for grocery purchases, though there’s a catch.
NEW OFFER
Terms Apply / Rates & FeesApply Now(at Chase's secure site)60,000 75,000 pointsGood to Excellent
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
$1,500
$95
19.24% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Like This Card
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros & Cons
Pros
- 5x points on all travel booked via the Chase Travel portal
- 3x points on dining purchases, online grocery purchases, and select streaming services
- 2x points on all other travel worldwide
Cons
- $95 annual fee
- No elite benefits like airport lounge access or hotel elite status
Card Highlights
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Financial Snapshot
- APR: 19.24% - 27.49% Variable
- Foreign Transaction Fees: None
Rewards Center
With it, you earn 3x points on online grocery purchases, so while it’s not the best choice for those who do their grocery shopping in person, it could be perfect for you if you usually have your groceries delivered through a platform like Instacart.
Its benefits don’t stop there, though, as you also earn 5x points on all travel booked via the Chase Travel portal, 3x points on dining and select streaming services, and 2x points on all other travel purchases. Add to that excellent perks like a $50 annual Chase Travel hotel credit, 10% annual bonus points, and excellent travel and car rental insurance, and you’ve got a solid credit card to take to the market.