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The Best Credit Cards to Use at the Grocery Store

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Groceries make up a significant portion of everyday spending. On average, U.S. households spend about $4,500 each year on food they eat at home, according to the U.S. Bureau of Labor Statistics.

When you're looking at that kind of spending, a credit card that offers great rewards on grocery shopping can be quite appealing. If you're thinking of getting a card specifically to earn more cash back or points on your grocery spending, here are the top choices to consider.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Apply

on Chase's website

Recommended FICO® Score
Good - Exceptional

APR

14.99% - 23.74% Variable

Intro APR: 0% Intro APR on Purchases for 15 months

Rewards

5% cash back on Travel

Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.

3% cash back on Dining

1.5% cash back on All Other Purchases

Intro Bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Annual Fee

$0

Card Details
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

The Chase Freedom Unlimited® offers an excellent base rewards rate with lucrative bonuses for new cardholders. You'll earn unlimited 1.5% cash back on all eligible purchases with no yearly cap or minimum redemption amount. New cardholders can earn N/A cash back on grocery store purchases (except at Target and Walmart) on up to $12,000 in spending their first year with the card.

The card also offers a one-time bonus of 200 when you spend $500 in the first 3 months from account opening. Plus, you'll get an introductory 0% APR on purchases for 15 months, after which the ongoing variable APR is 14.99% to 23.74%.

Finally, cardholders will benefit from a complimentary three months of subscription food delivery service DoorDash DashPass (when activated by December 31, 2021), and they'll earn 5% cash back on all Lyft ride payments through March 2022. The card has no annual fee.

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Apply

on Citi Credit Cards's website

Recommended FICO® Score
Good - Exceptional

APR

13.99% - 23.99% (Variable)

Intro APR: 0% for 18 months on Balance Transfers

Rewards

2% cash back

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Annual Fee

$0

Card Details
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Rates and Fees

If you want solid rewards on grocery store purchases and on everything else, the Citi® Double Cash Card - 18 month BT offer, offered by our partner Citi, can be an excellent choice. The card offers 2% cash back on every purchase you make, then another 1% back as you pay them off.

The card doesn't have a sign-up bonus, but you'll get an introductory 0% APR on balance transfers for 18 months. After that, the ongoing APR is 13.99% to 23.99% variable. Unfortunately, that 0% APR doesn't extend to purchases, but it can still be a great way to save as you pay down other credit card debt you transfer to the card.

The card charges no annual fee.

Blue Cash Preferred® Card from American Express

If you're willing to pay a little to earn more on grocery purchases, the Blue Cash Preferred® Card from American Express may be a good fit.

The card charges a $95 annual fee. In exchange for that, though, you'll earn a whopping 6% cash back on the first $6,000 spent annually at U.S. supermarkets (then 1%). The card also offers 6% back on select U.S. streaming service subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on everything else.

New cardholders will receive a $250 statement credit when they spend $1,000 or more in the first three months, and they'll also get an introductory 0% APR on purchases for 12 months. After that, the variable APR is 13.99% to 23.99%.

If you're not sure about paying an annual fee but want a high rewards rate on groceries, consider the Blue Cash Everyday® Card from American Express instead. It offers 3% back on the first $6,000 spent at U.S. supermarkets (then 1%), plus other bonus rewards and welcome offers. Terms apply; see card details for more information.

American Express® Gold Card

If you spend a lot on both groceries and eating out, the American Express® Gold Card may be for you. It offers 4 points per dollar spent at restaurants worldwide and on the first $25,000 spent annually at U.S. supermarkets (then 1 point per dollar).

You'll also get 3 points per dollar on flights booked directly with airlines or through Amex Travel. The card charges a steep $250 annual fee, but makes it easy to recoup most of that.

For starters, you'll earn 35,000 bonus points after you spend $4,000 in the first 3 months. Also, the card offers an annual $100 credit for incidental fees with an airline that you select, and up to a $120 annual dining credit.

The dining credit is offered in $10 increments monthly, and you'll earn it when you enroll and use your card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed and participating Shake Shack locations. Terms apply.

Bank of America® Cash Rewards Credit Card

Most credit cards that offer bonus rewards on grocery purchases exclude certain retailers, such as wholesale clubs like Sam's Club and Costco. With the Bank of America® Cash Rewards Credit Card, though, you'll earn 2% cash back at grocery stores and wholesale clubs, giving you more flexibility with your grocery shopping.

The card also offers 3% cash back in the category of your choice from a list that includes gas, online shopping, dining, travel, drug stores, and home improvement and furnishings. The only drawback is that your bonus rewards—both the 3% and 2% rewards rates—are capped at $2,500 in spending each quarter. After that, you'll earn just 1% back, which is the card's base rewards rate for all other purchases.

If you're a Bank of America Preferred Rewards member, however, you can earn 25% to 75% more rewards on all of your purchases. To qualify, you'll need a three-month average balance of at least $20,000 in qualifying Bank of America and Merrill Lynch accounts.

As a new cardholder, you'll earn a $200 cash bonus when you spend $1,000 in the first 90 days. You'll also get an introductory 0% APR on purchases for 15 billing cycles. The ongoing APR is 13.99% to 23.99% variable.

Which Card Is Right for You?

The best credit cards for grocery shopping are each unique in their offerings, which can make it challenging to know which one to choose. Take a look at your grocery spending for the last few months to get an idea of how much you spend, and also look at your spending in some of the other bonus categories these cards offer.

Going through this process can help you determine which card will give you the most bang for your buck, not only on grocery spending but for all of your everyday spending.

Also, make sure to check your credit score before you apply. Most (but not all) of the best credit cards for grocery shopping are targeted to people with good or excellent credit, which can make it challenging to get approved for some people.

If your credit score is close to the good credit range or you're generally unsure of your approval odds, consider using Experian CreditMatch™ to get a better idea of which cards you can get prequalified for.

All information about the Bank of America® Cash Rewards Credit Card has been collected independently by Experian and has not been reviewed or provided by the issuer of the card.

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