This post contains links to products from our advertisers, and we may be compensated when you click on these links. Our recommendations and advice are ours alone, and have not been reviewed by any issuers listed. Terms apply to offers listed on this page. Read our editorial standards.
The best credit cards for groceries of January 2022
If you spend a lot of money on groceries, it makes sense to use a credit card that earns bonus rewards at the supermarket to make the most of this unavoidable expense.
Fortunately, there are lots of credit cards that offer bonus points, miles, or cash back at the grocery store — and some even don’t charge an annual fee. One of the best picks if you like earning flexible points is the
That’s my go-to card for grocery spending, but if the supermarket I’m shopping at doesn’t accept Amex, I’ll use my
Read more: Guide to the best rewards credit cards
Here are our top credit card picks for earning the most rewards at grocery stores.
Best for earning points at US supermarkets:
American Express® Gold Card
In addition, cardholders receive up to $120 per year in dining credits** (up to $10 per month) with participating restaurants and food delivery services, and up to $120 per year (up to $10 per month) in Uber Cash credits**. The card charges a
Read more: American Express Gold Card review
Best for online grocery purchases:
Chase Sapphire Preferred® Card
The pandemic has shifted consumer grocery shopping habits, with many now preferring to order groceries online for curbside pickup or delivery. As part of a recent refresh, the
You’ll earn bonus points when you use your card to pay for grocery pickup and delivery orders that are placed online with grocery stores, specialty food stores, meal kit delivery services, or delivery service merchants that classify as grocery store merchants (excluding membership and subscription fees).
Purchases from Target, Walmart, and wholesale clubs, liquor stores, and merchants that specialize in only a few grocery items do not qualify. Pharmacy purchases (even from those located in supermarkets), gift cards, gift boxes, and gift baskets aren’t eligible, either.
Read more: Chase Sapphire Preferred card review
Best for earning bonus points on groceries and lots of other categories:
Citi Premier® Card
Along with a welcome bonus of
Read more: Citi Premier credit card review
Best if you’re a new cardholder:
Chase Freedom Flex℠ and Chase Freedom Unlimited®
Read more: Chase Freedom Unlimited card review
New and current
Read more: Chase Freedom Flex card review
This bonus will stack with the new cardholder grocery store bonus, up to spending limits. Because the new cardmember bonus and quarterly bonus are earned as 4% bonus cash back on top of the 1% cash back earned on every purchase, the maximum you can earn for grocery store purchases in Q1 is 9% cash back (1% earned on every purchase, plus 4% for the quarterly bonus, plus 4% for the new cardmember bonus).
Best for cash back in rotating categories:
Discover it® Cash Back
Read more: Discover it Cash Back card review
This is also a great choice if you prefer a card with no annual fee and like the simplicity of cash back. The Q1 grocery category overlaps with that of the
Best for cash back at US supermarkets:
Blue Cash Preferred® Card from American Express
If you prefer earning cash back on your grocery spending, the
Read more: Amex Blue Cash Preferred card review
The card also offers 6% back on select US streaming services, 3% on transit, 3% at US gas stations, and 1% on all other purchases. There’s an annual fee of
Read more: The best credit cards for streaming services
Best for cash back on groceries with no annual fee:
Capital One® SavorOne® Cash Rewards Credit Card
If you like earning cash back without paying an annual fee, the
Read more: Capital One SavorOne credit card review
The card offers a decent welcome bonus:
Best for Whole Foods and Amazon:
Amazon Prime Rewards Visa Signature Card
Amazon Prime members can take the sting out of their Whole Foods grocery bill when they use the
If you don’t have a Prime Membership, the card earns 3% back instead of 5%. There’s no annual fee and no foreign transaction fees, so this card is a good pick if you spend a lot at Whole Foods and Amazon. If you shop at other supermarkets, though, you’ll likely do better with a card that earns a bonus at all grocery stores.
Best for Amex points with a sub-$100 annual fee:
Amex EveryDay® Preferred Credit Card from American Express
Of all the Amex cards in my wallet, I’ve had the
Read more: Guide to the best American Express cards
The card has a trick up its sleeve, too. If you make at least 30 purchases on the card in a billing cycle, you’ll get a 50% bonus on all the points you’ve earned, effectively bumping the rate to 4.5x points at U.S. supermarkets (up to spending limits). The
Powered by WPeMatico