Cathy DesmetMost credit cards offer rewards, but not all of them give rewards for supermarket purchases. Most people shop for groceries often, spending around $375 per person in their household per month (as previously reported). Grocery rewards can add up quickly and result in substantial food cost savings. Below, we highlight the credit cards that will give you the best rewards for buying your groceries.
Table of Contents
What We Recommend
The overall best credit cards for grocery shopping are Chase Freedom Flex and Chase Freedom Unlimited. Both credit cards offer 5% cash back on groceries up to $12,000 per year, have no annual fees, and 0% APRs for 15 months.
These two cards earn our top spots because you can earn rewards while purchasing groceries anywhere. Some of the other cards that offer 5% cash back must be used at specific stores, such as Kroger and Target. Discover it Cash Back also offers 5% cash back, but the cap is $1,500, and it only covers groceries at certain times of the year.
Comparison Table
See the table below for a quick comparison of the best supermarket credit cards, then click any card’s name or scroll to the list below for more details.
| Card Name | Grocery Rewards | Annual Fee | APR |
|---|---|---|---|
| Chase Freedom Flex | 5% cash back for a year | None | 0% for 15 months; 15% to 24% thereafter |
| Chase Freedom Unlimited | 5% cash back for a year | None | 0% for 15 months; 15% to 24% thereafter |
| Kroger REWARDS World Mastercard | 5% cash back up to $2,500 | None | Up to 23% |
| Discover it Cash Back | 5% cash back up to $1,500 | None | 0% for 14 months; 12% to 23% thereafter |
| Target RedCard | 5% cash back at Target | None | Up to 23% |
| Amazon Rewards Visa Card | 5% cash back at Whole Foods and Amazon.com | None, but must be an Amazon Prime member | 14% to 23% |
| American Express Blue Cash Preferred | 6% cash back up to $6,000 | $95 after first year | 0% for one year; 14% to 24% thereafter |
| American Express Blue Cash Everyday | 3% up to $6,000 | None | 0% for 15 months; 14% to 24% thereafter |
| Citi Double Cash Card | 2% cash back | None | 0% for 18 months; 14% to 24% |
| Bank of America Cash Rewards | 2% cash back | None | 0% for 12 months; 14% to 24% thereafter |
| Costco Anywhere Visa Card by Citi | 2% cash back at Costco | None, but must be a Costco member | Around 15% |
| PenFed Platinum Rewards Visa Signature | 3 rewards points per grocery dollar | None, but must be a PenFed member | 0% for 12 months; 13% to 18% thereafter |
| Citi Rewards+ Card | 2x ThankYou points on groceries | None | 0% for 15 months; 13% to 24% thereafter |
The List
We begin our list with the overall best credit cards for grocery shopping based on their reward amounts, fees, and interest rates. Note that your individual APR will vary based on your creditworthiness.
1. Chase Freedom Flex
- Grocery rewards: 5% cash back on groceries within your first year ($12,000 cap); after one year, groceries qualify for the standard 1.5% cash back[1]
- Annual fee: None[1]
- APR: 0% for 15 months, then 15% to 24%[1]
- Credit requirements: Good (about 670)[2]
- Apply
2. Chase Freedom Unlimited
- Grocery rewards: 5% cash back on groceries within your first year ($12,000 cap); after one year, you earn 1.5% cash back on groceries[3]
- Annual fee: None[3]
- APR: 0% for 15 months, then 15% to 24%[3]
- Credit requirements: Good (about 670)[2]
- Apply
3. Discover it Cash Back Credit Card
- Grocery rewards: 5% cash back on groceries up to $1,500 for one quarter each year[4]
- Annual fee: None[4]
- APR: 0% for 14 months, then 12% to 23%[4]
- Credit requirements: Good (about 670)[5]
- Apply
4. Kroger REWARDS World Mastercard
- Grocery rewards: 5% cash back for new accounts ($2,500 cap); $5 grocery certificate per 1,000 rewards points (up to $60 per quarter)[6]
- Annual Fee: None[6]
- APR: Up to 23%[6]
- Credit requirements: Good (about 670)[7]
- Apply
5. Target RedCard
- Grocery rewards: 5% cash back at Target[8]
- Annual fee: None[8]
- APR: Up to 23%[8]
- Credit requirements: Fair (at least 600)[9]
- Apply
6. Amazon Rewards Visa Card
- Grocery rewards: 5% cash back at Whole Foods and Amazon.com[10]
- Annual fee: None; must have an Amazon Prime account[10]
- APR: 14% to 23%[10]
- Credit requirements: About 700[11]
- Apply
7. American Express Blue Cash Preferred Card
- Grocery rewards: 6% cash back at supermarkets up to $6,000 per year; 1% thereafter[12]
- Annual fee: No fee for the first year, then $95 per year[12]
- APR: 0% for one year, then 14% to 24%[12]
- Credit requirements: Good (about 690)[13]
- Apply
8. American Express Blue Cash Everyday Card
- Grocery rewards: 3% cash back at supermarkets up to $6,000, then 1% cash back[14]
- Annual fee: None[14]
- APR: 0% for 15 months, then 14% to 24%[14]
- Credit requirements: Good (about 690)[13]
- Apply
9. Citi Double Cash Card
- Grocery rewards: 2% cash back on groceries (and all purchases[15]
- Annual fee: None[15]
- APR: 0% for 18 months, then 14% to 24%[15]
- Credit requirements: Very good (about 720)[16]
- Apply
10. Bank of America Cash Rewards
- Grocery rewards: 2% cash back on groceries[17]
- Annual fee: None[17]
- APR: 0% for 12 months, then 14% to 24%[17]
- Credit requirements: Very good (about 720)[18]
- Apply
11. Costco Anywhere Visa Card by Citi
- Grocery rewards: 2% cash back on Costco groceries (1% on groceries elsewhere)[19]
- Annual fee: No annual fee with Costco membership (about $60 per year for one person)[19]
- APR: Around 15%[19]
- Credit requirements: Very good (about 720)[20]
- Apply
12. PenFed Platinum Rewards Visa Signature Card
- Grocery rewards: Three rewards points per dollar at the supermarket[21]
- Annual fee: None; must be a PenFed member (military not required)[21]
- APR: 0% for 12 months, then 13% to 18%[21]
- Credit requirements: Very good (about 720)[22]
- Apply
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Lindsey Desmet
Joseph Cho
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