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    The Best Credit Cards for Groceries & Supermarket Spending [July 2024]

    The Best Credit Cards for Groceries & Supermarket Spending [July 2024]

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    Whether you do major weekly grocery shopping to feed a family of 5 or just pop in to grab a rotisserie chicken on your way home from work for a solo meal, we all spend money at the grocery store.

    Doesn’t it make perfect sense to be earning points/miles/cash-back for the spending you’re doing already? Looking ahead a year from now, you’ll still have spent money on groceries… but you could also have earned valuable rewards.

    Let’s take a look at some of the best credit cards for earning rewards on supermarket purchases.

    Best Travel Rewards Credit Card for Groceries

    American Express® Gold Card (Highest Points Earnings at U.S. Supermarkets; Monthly Uber & Dining Statement Credits)

    NEW OFFER
    American Express® Gold CardTerms Apply / Rates & Fees
    American Express® Gold Card
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's 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!

    Learn More(at Amex's secure site)

    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.

    American Express® Gold Card
    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!
    Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
    60,000 points + up to $100 back
    $1,420
    $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 cardapplication.
    Good to Excellent (670-850)

    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
    • 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
    Read Full Review
    • Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
    • Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
    • 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 each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
    • $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 Dunkin' locations.
    • $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 to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies 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

    American Express Membership Rewards

    The Gold Card is incredibly rewarding for grocery spending. You will earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases; 1x thereafter.

    That is huge and basically can’t be beaten.

    This card is best for a traveler who wants a card for earning rewards on flight purchases (3x points per $1 spent) and on everyday purchases, who will also find value in redeeming those rewards for travel.

    Another big bonus is that you’ll earn 4x points at restaurants worldwide on up to $50,000 in spending per calendar year; 1x thereafter.

    Don’t be put off by the annual fee — there’s a generous welcome bonus, statement credits on certain grocery spending, and more to offset it.

    Best Cash-Back Cards for Groceries & Supermarkets

    American Express offers two credit cards that deliver excellent earnings on grocery and supermarket purchases.

    Blue Cash Preferred® Card from American Express (Highest Cash Back)

    HIGHEST CASH BACK
    Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees
    Blue Cash Preferred® Card from American Express
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Learn More(at Amex's secure site)

    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.

    Blue Cash Preferred® Card from American Express
    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.
    19.24%-29.99% 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 cardapplication.
    Good to Excellent (670-850)

    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
    • 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)
    Read Full Review
    • 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.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
    • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations.
    • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
    • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
    • Terms Apply.
    Financial Snapshot
    • APR: 19.24%-29.99% 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

    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.

    Despite its annual fee after the first year, the Blue Cash Preferred more than makes up for it with additional cash back on groceries, gas, streaming subscriptions, and transit (taxis/rideshares, parking, tolls, trains, buses, and more).

    Add a nice welcome bonus statement credit after making minimum required purchases in the first 3 months after card approval, and you’ll have received far more than the annual fee in value.

    Blue Cash Everyday® Card from American Express (Best No Annual Fee)

    If you’d prefer to have a credit card that’s less expensive to own and you still want those U.S. supermarket rewards, try the Blue Cash Everyday Card.

    Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees
    Blue Cash Everyday® Card from American Express
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's 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!

    Learn More(at Amex's secure site)

    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.

    Blue Cash Everyday® Card from American Express
    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
    19.24%-29.99% 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 cardapplication.
    Good to Excellent (670-850)

    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
    • 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.
    Read Full Review
    • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
    • No Annual Fee.
    • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
    • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
    • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
    • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
    • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
    • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
    • Terms Apply.
    Financial Snapshot
    • APR: 19.24%-29.99% Variable,0% on purchases for 15 months
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

    Honorable Mention

    Chase Sapphire Preferred Card

    GREAT STARTER CARD
    Chase Sapphire Preferred® Card
    Chase Sapphire Preferred® Card
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Learn More(at Chase's secure site)
    Chase Sapphire Preferred® Card
    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
    60,000 points
    $1,200
    $95
    21.49%-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 cardapplication.
    Good to Excellent (670-850)

    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
    • 5x points on all travel booked via the Chase Travel portal
    • 5x points on select Peloton purchases over $150 (through March 31, 2025)
    • 5x points on Lyft purchases (through March 31, 2025)
    Cons
    • $95 annual fee
    • No elite benefits like airport lounge access or hotel elite status
    Read Full Review
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
    • 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, $50 Annual Chase Travel Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
    • Member FDIC
    Financial Snapshot
    • APR: 21.49%-28.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    The freshly updated Chase Sapphire Preferred card now offers 3x Ultimate Rewards points per $1 spent on online grocery purchases. So, if you do mostly online grocery shopping, this is a fantastic choice for you.

    In addition, it earns:

    • 5x Ultimate Rewards points on travel booked through Ultimate Rewards
    • 5x Ultimate Rewards points on Lyft through March 31, 2025
    • 3x Ultimate Rewards points on select streaming services
    • 2x Ultimate Rewards points on all other travel purchases
    • 1x Ultimate Rewards points on all other purchases

    As part of its suite of benefits, there’s an annual $50 hotel credit towards hotel stays booked via the Chase travel portal, complimentary DoorDash DashPass membership, a 25% redemption bonus for bookings through Ultimate Rewards, and complimentary Spot Club Platinum elite status at The Parking Spot for 2 years (enroll on or before October 26, 2023).

    It doesn’t end there — after every account anniversary year, you will get a 10% annual points bonus, which can potentially increase your 3x points earnings to 3.3x points.

    Lastly, this card has excellent travel insurance, no foreign transaction fees, and authorized users for no added fees.

    For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
    For rates and fees of the Blue Cash Everyday® from American Express, click here.
    For rates and fees of the American Express® Gold Card, click here.
    For rates and fees for The Hilton Honors American Express Surpass® Card, click here.

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