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    The 7 Best Credit Cards for Groceries & Supermarket Spending [August 2023]

    The 7 Best Credit Cards for Groceries & Supermarket Spending [August 2023]

    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.

    Top Picks (Quick Summary)

    Credit CardCash-Back / Rewards at Supermarkets
    Blue Cash Preferred® Card from American Express
    • Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • Annual fee: $0 intro annual fee for the first year, then $95 (See Rates & Fees)
    Blue Cash Everyday® Card from American Express
    • Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months
    • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • Annual fee: $0 (See Rates & Fees)
    Citi Premier® Card
    • Earn 60,000 points after spending $4,000 in purchases within the first 3 months. Plus, for a limited time, earn a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024.
    • 3x at restaurants, supermarkets, gas stations, airfare, and hotel purchases
    • Annual fee: $95
    American Express® Gold Card
    • Earn 60,000 points when you spend $4,000 on purchases in the first 6 months.
    • Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
    • Annual fee: $250 (See Rates & Fees)

    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)

    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)

    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 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 card application.
    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 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) and on select streaming services
    • 6% cash-back on select U.S. streaming subscriptions
    • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
    • 1% cash-back on all other purchases

    Cons

    • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
    • Earn a $250 statement credit after you spend $3,000 in 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%. Variable APRs will not exceed 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 and 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
    • Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
    • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
    • 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.

    Card Categories

    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)

    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
    0% intro APR on purchases for 15 months; then 19.24%-29.99% 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.
    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.
    • Monthly credit towards The Disney Bundle
    • Monthly credit towards Home Chef

    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.
    • 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 in purchases, then 1%.
    • Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
    • Terms Apply.

    Financial Snapshot

    • APR: 0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

    Card Categories

    Best Travel Rewards Credit Cards for Groceries

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

    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 go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!

    Learn More(at Amex's secure site)

    American Express® Gold Card

    This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
    Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
    60,000 points
    $1,320
    $250
    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.
    Good to Excellent (670-850)

    The American Express® Gold Card is definitely a game-changer.

    With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

    There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are a number of other benefits of the Gold Card as well, including extra monthly dining rewards and more.

    Pros

    • 4x points per $1 at restaurants, plus takeout and delivery in the U.S.
    • 4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
    • 3x points per $1 on flights purchased directly from airlines or at Amex Travel
    • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
    • Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
    • No foreign transaction fees (see rates and fees)
    • Access to Amex’s The Hotel Collection
    • Access to American Express transfer partners

    Cons

    • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
    • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
    • $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.
    • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
    • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
    • Choose the color that suits your style. Gold or Rose Gold.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.

    Financial Snapshot

    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    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.

    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.

    Chase Sapphire Preferred Card (Best Travel Card Sub-$100 Annual Fee)

    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 huge 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 huge 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 Ultimate Rewards®.
    60,000 points
    $1,200
    $95
    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.
    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 Ultimate Rewards portal
    • 5x points on select Peloton purchases over $250 (through March 31, 2025)
    • 5x points on Lyft purchases (through March 31, 2025)
    • 3x points on dining purchases, online grocery purchases, and select streaming services
    • 2x points on all other travel worldwide
    • $50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
    • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
    • Excellent travel and car rental insurance
    • 10% annual bonus points
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
    • Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)

    Cons

    • $95 annual fee
    • No elite benefits like airport lounge access or hotel elite status
    • 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 Ultimate Rewards®.
    • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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

    • Foreign Transaction Fees: None

    Card Categories

    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 find yourself doing 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 amazing travel insurance, no foreign transaction fees, and authorized users for no added fees.

    Best 2% or 2 Points/$1 Credit Cards for Groceries

    Earning 2 points per dollar spent or 2% cash-back on your grocery purchases is a respectable return. These credit cards not only earn that much, but they offer additional earning potential and other bonus spending categories that help you build rewards faster.

    Bottom Line: Having a credit card that earns 2% cash-back or 2 points/$1 spent on groceries is great… but it’s even better if the card has additional bonus earning categories. 

    Final Thoughts

    According to the most recent 2021 USDA statistics, the average household family of 4 spends between $1,169 and $1,370 per month on food at home.

    Let’s ballpark that to an estimate of $1,200 per month for an annual expense of $14,400 spent each year (not including eating out, which is another expense that could be earning rewards).

    If you’re spending that much money on groceries (or other supermarket purchases) and not earning rewards, it makes sense to consider a credit card that earns on those purchases.

    You’ll need the discipline to pay off your card each month, of course, but you’ll end up with cash-back, points, or miles that can be turned into something of value you wouldn’t have had otherwise.

    The information regarding the Capital One SavorOne Card Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
    The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
    The information regarding the PenFed Platinum Rewards Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.


    The information regarding the Discover it® Cash Back Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
    The information regarding The Hilton Honors American Express Surpass® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

    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.

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