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Best Credit Cards for Groceries

Spend a lot on groceries and cooking at home? These credit cards from our partners offer the best rewards on groceries.

At Experian, one of our priorities is consumer credit and finance education. This post may contain links and references to one or more of our partners, but we provide an objective view to help you make the best decisions. For more information, see our Editorial Policy.

Groceries make up a significant portion of everyday expenses. On average, U.S. households spend about $4,600 on food eaten at home every year, according to the Bureau of Labor Statistics. Wouldn't it be great to earn cash back or perks on all that spending you have to do anyway? You can if you use the right rewards credit card to buy groceries. Several credit cards offer cash back or rewards points for grocery purchases.

4 Partner Offers

Our Picks for the Best Credit Cards for Groceries
Citi Premier<sup>®</sup> Card

Citi Premier® Card

3 points per $1 spent at restaurants and supermarkets

60,000 bonus ThankYou Points after you spend $4,000 within the first 3 months from account opening

Credit One Bank<sup>®</sup> Platinum Rewards Visa

Credit One Bank® Platinum Rewards Visa

5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV and mobile phone service purchases

1% cash back on all other purchases and after you reach the bonus spending limit

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

2% cash back at grocery stores, and 3% cash back on dining and entertainment; 1% cash back on all other purchases

One-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Capital One<sup>®</sup> Walmart Rewards<sup>®</sup> Mastercard<sup>®</sup>

Capital One® Walmart Rewards® Mastercard®

5% cash back on delivery or pickup purchases at Walmart.com or the Walmart mobile app; 2% cash back on purchases at Walmart stores

5% cash back on in-store Walmart purchases with Walmart Pay for the first 12 months after approval

Citi Premier® Card

The Citi Premier® Card, from our partner, can help you rack up solid rewards for everyday spending. Earn 3 points per dollar at supermarkets, restaurants and gas stations, as well as on air travel and hotels; earn 1 point per dollar on all other purchases. Spend $4,000 on the card within the first 3 months of account opening and you'll earn 60,000 bonus points, good for up to $600 in gift cards at ThankYou.com.

Points are unlimited, never expire and can be redeemed for travel rewards, shopping at participating online merchants including Amazon.com and BestBuy.com, or gift cards through ThankYou. Once a year, you'll also get $100 off a hotel stay of $500 or more booked through the Citi ThankYou program (subject to additional requirements).

The Citi Premier® Card has a variable APR of 15.99% to 23.99%. There's no foreign transaction fee; however, you should weigh potential rewards against the $95 annual fee.

Apply

on Citi Credit Cards's website

Good - Exceptional

APR

15.99% - 23.99% (Variable)

Intro APR

N/A

Rewards

3X points on Restaurants & Supermarkets

3X points on Gas Stations & Air Travel

3X points on Hotels

1X points on All Other Purchases

Intro Bonus

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening; 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com.

Annual Fee

$95

Card Details
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Rates and Fees

Credit One Bank® Platinum Rewards Visa

If your credit is good, there may be better rewards cards out there, but if you have fair credit, the Credit One Bank® Platinum Rewards Visa is worth a look. This card rewards you for purchases you make every day, offering 5% cash back rewards on the first $5,000 spent on eligible gas, grocery, internet, cable, satellite TV and cellphone service purchases each year and 1% once that limit is met, plus 1% cash back on all other purchases. Terms apply.

Rewards are automatically redeemed as a statement credit. Through the card's More Program, you may also earn cash back rewards from participating merchants when you shop with the card.

You'll also appreciate zero fraud liability for protection from unauthorized charges. And if you're trying to improve your credit, free access to your Experian credit score can help you keep an eye on your credit health. This card does come with a $95 annual fee, so be sure to consider that against potential rewards.

Credit One Bank® Platinum Rewards Visa

Apply

on Credit One Bank's website

Fair - Exceptional

Credit One Bank® Platinum Rewards Visa

APR

23.99% Variable

Intro APR

N/A

Rewards

5% cash back on Eligible Purchases

1% cash back on All Other Purchases

Annual Fee

$95

Card Details
  • Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply.
  • Zero Fraud Liability protects you from unauthorized charges
  • Get free access to your Experian credit score online, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer

Rates and Fees

Capital One SavorOne Cash Rewards Credit Card

Want a card that makes it simple to earn rewards on grocery spending and charges no annual fee? The Capital One SavorOne Cash Rewards Credit Card offers unlimited 2% cash back on grocery store purchases, 3% cash back on dining and entertainment, and 1% cash back on all other purchases. There's no annual fee, no foreign transaction fee and no limits on the cash back you can earn.

Get cash back as a statement credit or check upon request, or set an automatic preference to redeem cash back at a certain time each calendar year or whenever you reach a specific dollar threshold.

You can earn a one-time $200 cash bonus if you make $500 in purchases within the first 3 months of account opening. There's also an introductory 0% APR on purchases for 15 months; after that, the variable APR is 15.49% to 25.49%.

Capital One SavorOne Cash Rewards Credit Card

Apply

on Capital One's website

Good - Exceptional

Capital One SavorOne Cash Rewards Credit Card

APR

15.49% - 25.49% (Variable)

Intro APR

0% on Purchases for 15 months

Rewards

3% cash back on Dining

2% cash back on Groceries

1% cash back on All Other Purchases

Intro Bonus

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual Fee

$0

Card Details
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee

Capital One® Walmart Rewards® Mastercard®

If you frequently shop at Walmart, consider the Capital One® Walmart Rewards® Mastercard®. It offers 5% cash back on purchases made at Walmart.com or the Walmart mobile app; 5% cash back on in-store purchases made using the Walmart Pay app for the first 12 months after approval; and 2% cash back on purchases at Walmart stores. You'll also get 2% cash back on restaurant and travel purchases and 1% cash back on purchases everywhere else Mastercard is accepted.

Rewards are unlimited and never expire. Receive rewards as a check, apply them as a statement credit, use them to pay at Walmart.com, redeem them for gift cards from Walmart and other retailers, or redeem them for travel.

This card does not come with an annual fee, but the variable APR of 17.99%, 23.24% or 26.99% (depending on your credit score) can be steep.

Capital One® Walmart Rewards® Mastercard®

Apply

on Capital One's website

Fair - Exceptional

Capital One® Walmart Rewards® Mastercard®

APR

17.99% - 26.99% (Variable)

Intro APR

N/A

Rewards

5% cash back on Walmart.com

2% cash back on Dining & Travel

2% cash back on Walmart In-store Purchases

1% cash back on All Other Purchases

Annual Fee

$0

Card Details
  • Earn 5% cash back on Walmart.com purchases, including pickup and delivery
  • Earn 2% cash back on purchases in Walmart stores, 2% cash back on restaurants and travel purchases, and 1% cash back on all other purchases everywhere else Mastercard® is accepted
  • Introductory offer: Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
  • Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
  • $0 annual fee
  • No foreign transaction fees

How Do Rotating Categories Work for Grocery Rewards?

Rotating rewards categories change each quarter. For example, you might earn cash back on grocery store purchases one quarter, restaurants the second, travel the third and online shopping the fourth.

If you're using a card with rotating rewards, be sure you understand the requirements for earning them. You'll want to keep track of spending limits as well as when your quarterly rewards categories change so you can plan your spending to maximize rewards. You may also need to activate your account each quarter to earn that quarter's rotating rewards.

Do Cards Restrict Where You Can Earn Grocery Rewards?

Whether purchases are considered "groceries" generally depends on where they are made. For instance, buying milk and eggs at a supermarket usually earns rewards, but buying them at a convenience store may not. Cards may not reward grocery purchases at warehouse clubs, discount stores, gas stations and convenience stores, or at smaller retailers such as bakeries.

These guidelines have specific exceptions and can vary from one card to another. For instance, many cards exclude purchases made at big box stores, such as Target or Costco, from being counted as grocery spending. To maximize your rewards, read each card's benefit details before applying. If you're unsure whether a particular merchant qualifies for grocery rewards, contact the card issuer or make a small purchase and check your credit card statement to see how it was categorized. You might ultimately decide that a card that rewards grocery purchases isn't right for you if it excludes your favorite stores.

Do I Need a Good Credit Score to Get a Grocery Rewards Card?

Typically, rewards credit cards require good to exceptional credit. In the FICO® Score model commonly used by credit card issuers, a score of 670 to 739 is considered good; a score of 740 or higher is considered exceptional. However, you can also find rewards cards for fair credit (a FICO® Score of 580 to 669).

Credit card issuers may indicate preferred credit score ranges for their cards. As you research your options, checking card issuers' preferred ranges will help narrow your search to a card for which you're likely to qualify. Using Experian CreditMatch™ can help you find the credit cards suitable for your credit profile. You may also look into getting prequalified for credit cards, which won't result in a hard inquiry that can reduce your credit scores.

How to Decide Which Card is Right For You?

When selecting the best credit card for buying groceries, consider the following:

  • The rewards you want: Frequent travelers may want airline miles or points good toward travel. If you'd rather have cash in hand, consider a card that offers cash back or points you can redeem for gift cards or shopping online.
  • How you shop: Review rewards program details to see if the places you shop qualify for rewards. Also consider your grocery budget: If you spend $1,000 a month at the supermarket, a card that caps your grocery rewards may not be ideal.
  • Features and costs: Assess the ongoing APR; special offers such as spending bonuses or introductory 0% APR offers on purchases or balance transfers; perks such as travel insurance or purchase protection; and annual, foreign transaction and late fees.
  • How rewards work: Some cards require quarterly activation to earn rewards or earn a certain dollar amount in rewards before you can redeem them. If that's too complicated for you, look for a card that rewards you automatically, have no minimum redemption value or expiration date, or earn a flat rewards rate all year.
  • Your credit score: Before applying for a credit card, check your credit score. Since every application can generate a hard inquiry on your credit report, focus on cards for which you're likely to be approved.

Food for Thought

Using the right credit card when grocery shopping can net substantial rewards. Just be careful that your appetite for rewards doesn't spur you to overspend. To ensure your new credit card doesn't take a bite out of your credit score, pay your bill on time each month and pay off the balance in full; otherwise, you'll end up paying interest on your groceries, which can quickly wipe out any savings from using the card. Setting up free credit monitoring makes it easy to keep tabs on how credit card spending is affecting your credit score.