Save big on groceries effortlessly with these top credit cards, earning high rewards on every purchase. Get more cash back—even on grocery delivery!
Families with big grocery bills can save hundreds of dollars by paying for them with a credit card that offers elevated rewards at the supermarket. Imagine saving that kind of money at the checkout — without even needing to clip coupons! You can do it with these cards. And in some cases, rewards rates apply to grocery delivery, too.
1. Credit Card: Blue Cash Preferred® Card from American Express
Rating: 5.0 NerdWallet rating Annual Fee: $0 intro annual fee for the first year, then $95 Rewards Rate: 1% – 6% cash back
Intro Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months
Rewards Breakdown:
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
Earn 6% cash back on select U.S. streaming subscriptions.
Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).Earn 1% cash back on other purchases.
Card Details:
Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
Earn 6% cash back on select U.S. streaming subscriptions.
Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, tolls, trains, buses and more).
Earn 1% cash back on other purchases.
0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR of 18.74% – 29.74%.
Pros:
This card’s 6% cash back at U.S. supermarkets (up to $6,000 annually, then 1%) is one of the highest rates available, and it’s paired with a decent sign-up bonus and no annual fee in the first year.
Cons:
The $6,000 annual cap on the 6% grocery rate limits its rewards potential for big spenders, and its $95 annual fee after the first year could eat into savings for smaller shoppers.
2. Credit Card: Blue Cash Everyday® Card from American Express
Rating: 5.0 NerdWallet rating Annual Fee: $0 Rewards Rate: 1% – 3% cash back
Intro Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months
Rewards Breakdown:
Earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
Earn 3% cash back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%).
Earn 3% cash back at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
Earn 1% cash back on other purchases.
Card Details:
Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.
Earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
Earn 3% cash back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%).
Earn 3% cash back at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
Earn 1% cash back on other purchases.
0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR of 18.74% – 29.74%.
Pros:
With no annual fee, this card’s 3% cash back at U.S. supermarkets (up to $6,000 annually, then 1%) is solid, and it adds a decent sign-up bonus plus 3% back on gas and online shopping.
Cons:
The $6,000 annual cap on each 3% category limits rewards for heavy spenders, and superstores like Walmart and Target don’t qualify for the grocery rate.
3. Credit Card: Capital One Savor Cash Rewards Credit Card
Rating: 4.5 NerdWallet rating Annual Fee: $0 Rewards Rate: 1% – 5% cash back
Intro Offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Rewards Breakdown:
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target).
Earn 1% cash back on all other purchases.
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 5% cash back on hotels and rental cars booked through Capital One Travel.
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target).
Earn 8% cash back on Capital One Entertainment purchases.
Earn 1% cash back on all other purchases.
0% intro APR on purchases and balance transfers for 15 months; 19.74% – 29.74% variable APR after that.
Pros:
This card’s unlimited 3% cash back on groceries (excluding superstores) and dining is excellent for foodies, and it comes with no annual fee and a low spending threshold for its $200 bonus.
Cons:
Superstores like Walmart and Target don’t qualify for the 3% grocery rate, and there’s no grocery-specific sign-up bonus to boost initial rewards.
4. Credit Card: American Express® Gold Card
Rating: 5.0 NerdWallet rating Annual Fee: $325 Rewards Rate: 1x – 4x points
Intro Offer: Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new card within the first 6 months
Rewards Breakdown:
Earn 4 points per dollar spent at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 4 points per dollar spent at U.S. supermarkets on up to $25,000 per calendar year in purchases (then 1 point per dollar).
Earn 3 points per dollar spent on flights booked directly with airlines or through American Express Travel.
Earn 1 point per dollar spent on all other purchases.
Card Details:
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new card within the first 6 months.
Earn 4 points per dollar spent at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 4 points per dollar spent at U.S. supermarkets on up to $25,000 per calendar year in purchases (then 1 point per dollar).
Earn 3 points per dollar spent on flights booked directly with airlines or through American Express Travel.
Earn 1 point per dollar spent on all other purchases.
Plus, up to $120 annual dining credit ($10 monthly statement credits) at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys when you enroll; up to $120 annual Uber Cash ($10 monthly credit) when you add your card to your Uber account; up to $100 annual credit for stays of two nights or more booked through The Hotel Collection with American Express Travel.
Pros:
With 4 points per dollar at U.S. supermarkets (up to $25,000 annually, then 1 point) and restaurants, plus dining and Uber credits, this card is a foodie’s dream despite its high annual fee.
Cons:
The $325 annual fee is steep, and the $25,000 grocery cap could limit rewards for big spenders or large households.
5. Credit Card: Bank of America® Customized Cash Rewards Credit Card
Rating: 5.0 NerdWallet rating Annual Fee: $0 Rewards Rate: 1% – 3% cash back
Intro Offer: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Breakdown:
Earn 3% cash back in the category of your choice (gas/EV charging stations, online shopping/cable/internet/phone plans/streaming, dining, travel, drug stores/pharmacies, or home improvement/furnishings).
Earn automatic 2% cash back at grocery stores and wholesale clubs.Earn unlimited 1% cash back on all other purchases. The 3% and 2% cash back applies to the first $2,500 in combined purchases each quarter in the choice category and at grocery stores/wholesale clubs (then 1%).
Card Details:
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice (gas/EV charging stations, online shopping/cable/internet/phone plans/streaming, dining, travel, drug stores/pharmacies, or home improvement/furnishings), automatic 2% at grocery stores and wholesale clubs, unlimited 1% on all other purchases.
The 3% and 2% cash back applies to the first $2,500 in combined purchases each quarter in the choice category and at grocery stores/wholesale clubs (then 1%).
0% Intro APR for 15 billing cycles for purchases and balance transfers made in the first 60 days (then 18.24% – 28.24% Variable APR).
Pros:
This card’s 2% cash back at grocery stores and wholesale clubs (up to $2,500 quarterly with the 3% choice category, then 1%) pairs with a customizable 3% rate and no annual fee.
Cons:
The $2,500 quarterly cap across bonus categories limits rewards, and it charges a foreign transaction fee, which isn’t ideal for international grocery runs.
6. Credit Card: Chase Sapphire Preferred® Card
Rating: 5.0 NerdWallet rating Annual Fee: $95 Rewards Rate: 1x – 5x points
Intro Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards Breakdown:
Earn 5 points per dollar on travel purchased through Chase Travel℠.
Earn 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Target, Walmart and wholesale clubs).
Earn 2 points per dollar on all other travel purchases.
Earn 1 point per dollar on all other purchases.
Card Details:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Earn 5 points per dollar on travel purchased through Chase Travel℠.
Earn 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Target, Walmart and wholesale clubs).
Earn 2 points per dollar on all other travel purchases.
Earn 1 point per dollar on all other purchases.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠ (e.g., 60,000 points are worth $750 toward travel).
Pros:
This card earns 3 points per dollar on online grocery purchases (excluding some big stores) and dining, with flexible travel redemptions and a big sign-up bonus, all for a modest $95 fee.
Cons:
It excludes in-store grocery purchases and big retailers like Target and Walmart from the 3x rate, and there’s no intro APR offer to offset the $95 annual fee.
7. Credit Card: Citi Custom Cash® Card
Rating: 5.0 NerdWallet rating Annual Fee: $0 Rewards Rate: 1% – 5% cash back
Intro Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening (fulfilled as 20,000 ThankYou® Points, redeemable for $200 cash back)
Rewards Breakdown:
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent (then 1%). Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
Earn an additional 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ portal through 6/30/2026.
Earn 1% cash back on all other purchases.
Card Details:
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening (fulfilled as 20,000 ThankYou® Points, redeemable for $200 cash back).
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent (then 1%). Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
Earn an additional 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ portal through 6/30/2026.
Earn 1% cash back on all other purchases.
0% intro APR on balance transfers and purchases for 15 months; then a variable APR of 18.74% – 28.74%.
Pros:
This card’s 5% cash back on your top spending category (up to $500 monthly, then 1%) includes groceries, offering flexibility with no annual fee and a solid intro APR period.
Cons:
The $500 monthly cap on the 5% rate limits grocery rewards for big spenders, and you’ll need to spend heavily in one category to maximize it.
