Best Credit Cards for Groceries and Everyday Household Spending

Grocery focused cards grant higher points on supermarket runs, from fresh produce to pantry staples, and sometimes include limited delivery credits. Consistent weekly shopping can generate substantial rewards that help neutralize annual fees, making these cards a practical choice for households that cook at home.

Here are some of our top picks

4 partner offers

American Express® Gold Card logo.(634 reviews)

American Express® Gold Card

Intro bonus:

As high as 100,000 points. Find out your offer.

Ongoing APR:

See Pay Over Time APR

Rewards:

1x - 4x (Points per dollar)

Annual Fee:

$325

ApplyView details

Recommended FICO® ScoreΘ

670 - 850 (Good - Excellent)

Don’t know your FICO® Score? Get it for free.
Rates and fees

Terms Apply

  • 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.

  • Intro bonus offer

  • No foreign transaction fees

  • Generous rewards rate in certain categories

  • High annual fee

  • Travel reward redemption can be limiting

Blue Cash Preferred® Card from American Express logo.(365 reviews)

Blue Cash Preferred® Card from American Express

Intro bonus:

As High As $300 Cash Back. Find Out Your Offer.

Intro APR:

0% on Purchases and Balance Transfers for 12 months

Ongoing APR:

19.49%-28.49% Variable

Rewards:

1% - 6% (cash back)

Annual Fee:

$0 intro annual fee for the first year, then $95.

ApplyView details

Recommended FICO® ScoreΘ

670 - 850 (Good - Excellent)

Don’t know your FICO® Score? Get it for free.
Rates and fees

Terms Apply

  • Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • $0 intro annual fee for the first year, then $95.
  • Enjoy 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 Stream.ESPN.com U.S. websites. Subject to auto-renewal.
  • Terms Apply.

  • High rewards rate at U.S. supermarkets and on select U.S. streaming subscriptions

  • Potential bonus offer for new cardholders

  • Intro APR for new cardholders

  • High APR

  • Some merchants do not accept American Express

  • Annual fee after the first year

Blue Cash Everyday® Card from American Express logo.(2184 reviews)

Blue Cash Everyday® Card from American Express

Intro bonus:

As High As $200 Cash Back. Find Out Your Offer.

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.49%-28.49% Variable

Rewards:

1% - 3% (cash back)

Annual Fee:

$0

ApplyView details

Recommended FICO® ScoreΘ

670 - 850 (Good - Excellent)

Don’t know your FICO® Score? Get it for free.
Rates and fees

Terms Apply

  • Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 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 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 Stream.ESPN.com U.S. websites. Subject to auto-renewal.
  • Terms Apply.

  • High rewards rate at U.S. supermarkets and gas stations and on U.S. online retail purchases

  • No annual fee

  • Potential bonus offer for new cardholders

  • Intro APR for new cardholders

  • Foreign transaction fees

  • Some merchants do not accept American Express

  • Requires good to excellent credit

Citi Double Cash® Card logo.(1604 reviews)

Citi Double Cash® Card

Intro APR:

0% for 18 months on Balance Transfers

Ongoing APR:

17.49% - 27.49% (Variable)

Rewards:

2% (cash back)

Annual Fee:

$0

ApplyView details

Recommended FICO® ScoreΘ

670 - 850 (Good - Excellent)

Don’t know your FICO® Score? Get it for free.
Rates and fees
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 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. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

  • No annual fee

  • Intro APR on balance transfers for new cardholders

  • Straightforward rewards structure

  • Foreign transaction fees

  • 0% Intro APR offer does not apply to new purchases

Free Experian membership

Get personalized credit card offers based on your credit profile.⍉

See your card matches

Checking your matched credit cards will NOT hurt your credit scores

Graphic three credit cards with confetti.