Best credit cards for groceries for May 2024

Between weekly hauls, restocks, and the occasional pitstop on the way home from work, grocery shopping is likely one of your biggest monthly expenses. In fact, the Americans incur for food at home is $5,703 each year — nearly $500 monthly.

With regular grocery bills that high, it pays — a lot — to have a grocery in your wallet. But these cards can widely vary when it comes to rewards structures, restrictions, and spending caps. To help you get started, we’ve rounded up the for groceries today and how you can choose the right one for your supermarket sweeps.

In this article:

Annual fee: $95, waived to $0 for the first year ()

Welcome offer: Earn $250 after spending $3,000 within the first 6 months


  • 6% cash back at U.S. supermarkets (up to $6,000 spent per year)

  • 6% cash back on select U.S. streaming subscriptions

  • 3% cash back on transit (includes taxis, rideshares, parking, and more)

  • 3% cash back at U.S. gas stations

  • 1% cash back on all other purchases

More details: has an introductory 0% APR for both new purchases and balance transfers. It also has a few potentially valuable annual credits with partners. Earn up to $84 per year ($7 per month, with enrollment) when you spend at least $9.99 on an eligible Disney Bundle subscription and earn up to $120 in Equinox+ credits ($10 per month; with enrollment) when you pay for an auto-renewing subscription via

Why we like it: At 6% cash back, the Blue Cash Preferred is the ultimate rewards card for U.S. supermarket shoppers. There is a $6,000 annual cap (after which you’ll earn 1% cash back in the category), which averages out to around $500 per month. If you have a large family and eat mostly at home, you may exceed that annual limit — but it is still within Americans’ average spending of just over $5,700. If you are able to meet the 6% spending limit, you’ll get up to $360 in cash back, far exceeding the card’s ongoing $95 annual fee.

The can bring a lot of value to your other with additional cash-back categories for streaming, transit, and U.S. gas stations — as well as annual partner statement credits. Plus, you can enjoy plenty of outsized value over the first year between the waived annual fee, introductory 0% APR, and welcome bonus.

Annual fee: $0

Welcome offer: Earn $200 after spending $500 within the first 3 months


  • 5% cash back on hotels and rental cars booked through Capital One Travel

  • 3% cash back on dining

  • 3% cash back on entertainment

  • 3% cash back on popular streaming services

  • 3% cash back at grocery stores

  • 1% cash back on all other purchases

More details: In addition to the rewards above, you’ll get 8% cash back on Capital One Entertainment purchases and 10% cash back rewards on Uber and Uber Eats purchases — plus complimentary Uber One membership (though Nov. 14, 2024). There’s also an introductory 0% APR on new purchases and balance transfers.

Why we like it: The has a lot of potential value for shoppers who spend a lot on groceries. Unlike other cards on our list, there’s no cap to the amount of grocery purchases you can earn 3% cash back on each year. If you spend around the national average of $5,703, you can earn a total of $171.09 annually, even before accounting for your savings across other categories.

Those other categories make this no annual fee card a for anyone who budgets money for both staying in and going out, with the same 3% cash back on dining, streaming services, and entertainment (which includes concert tickets, amusement parks, movie theaters, and tourist attractions).

Annual fee: $250 ()

Welcome offer: Earn 60,000 points after spending $6,000 within the first 6 months


  • 4x points at restaurants worldwide

  • 4x points at U.S. supermarkets (up to $25,000 spent per year)

  • 3x points on flights booked directly with airlines or

  • 1x points on all other purchases

More details: The offers up to $120 in annual Uber Cash ($10 per month) when you connect your card through the Uber app. You can also get up to $120 in annual dining statement credits ($10 per month, with enrollment) toward purchases with Grubhub, The Cheesecake Factory, Goldbelly,, Milk Bar, and select Shake Shack locations. On top of that, get access to The Hotel Collection and a $100 experience credit when you book a minimum two-night stay through Amex Travel.

Why we like it: With 4x bonus points at U.S. supermarkets, the is one of the best options for turning your grocery purchases into . It’s unlikely that most shoppers will reach the $25,000 annual spending cap — which averages out to a monthly supermarket bill over $2,000. But if you do, you could earn a whopping 100,000 Membership Rewards points from this bonus category. If your supermarket purchases are closer to the average $5,703 annually, you can still rack up 22,812 points each year.

Beyond that, the can also help you maximize restaurant spending and flight purchases — in line with many other today. While it does carry a $250 annual fee (), the annual dining credits and Uber Cash cover nearly the entire cost. Just remember to think about whether you already spend that money each month. If you’re spending money simply to earn a monthly statement credit, you could end up paying more than you save over the long run.

Annual fee: $95, waived to $0 for the first year

Welcome offer: Earn $250 after spending $2,000 within the first 120 days


  • 6% cash back on your first $1,500 in combined spending each quarter with two choice retailers (choices include Apple,,, Ikea, Kohl’s, Target, Walmart, and many more)

  • 3% cash back on your first $1,500 spent each quarter in one choice everyday category (wholesale clubs, gas and EV charging stations, or bills and utilities)

  • 1.5% cash back on all other purchases

More details: There aren’t many added perks to this card, but you will save on the annual fee cost for the first year — after which this card has a $95 annual fee. You can also earn 5.5% cash back if you book prepaid hotels or car rentals through the U.S. Bank Rewards Travel Center.

Why we like it: This card takes some strategy to maximize, but the potential value of the may be worth it. To start, you’ll earn 6% cash back on up to $1,500 in combined spending across two retailers you choose each quarter. Superstores like Target and Walmart are included among these choice retailers (unlike most grocery rewards cards), and this is a great option if you prefer to go grocery shopping there.

And that’s not all: The added option to choose wholesale clubs as your 3% category (up to $1,500 in spending each quarter) means you can further maximize your grocery spending up to $3,000 in purchases each quarter. Plus, you’ll earn a minimum of 1.5% cash back on all non-category spending, even after exceeding the quarterly spending limits.

But let’s say you just spend the average $5,703 each year on groceries, and fit all of your spending into the 6% category with merchants that sell groceries as your choice retailers. You’ll get a total $342.18 in cash back with this card each year — and even more if you take advantage of other categories.

Annual fee: $0 ()

Welcome offer: Earn $200 after spending $2,000 within the first 6 months


  • 3% cash back at U.S. supermarkets*

  • 3% cash back on U.S. online retail purchases*

  • 3% cash back at U.S. gas stations*

  • 1% cash back on all other purchases

*Up to $6,000 in each category per year, then 1%; cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at checkout

More details: Like the , the has a 0% intro APR on new purchases and balance transfers and comes with up to $84 in annual credits ($7 per month) when you spend at least $9.99 per month on an eligible auto-renewing Disney+ subscription. You can also get up to $180 per year ($15 per month) in statement credits toward an auto-renewing Home Chef subscription.

Why we like it: For no annual fee (), the ’s 3% cash back at U.S. supermarkets can translate to a big rewards return each year. There is a $6,000 annual cap (after which you’ll earn 1%) — but if you spend around the average $5,703 on groceries each year you’ll be able to maximize the category and get around $171.09 back.

If you also spend much of your monthly budget filling up the gas tank or shopping online, you can get even . Each of these categories has the same $6,000 annual spending limit. If you reach the max across all three, that’s a potential $540 in annual cash back. Plus, if you already have subscriptions to Disney+ and Home Chef, count on more savings in the form of monthly statement credits.

Annual fee: $0

Welcome offer: Earn $200 after spending $1,500 within the first 6 months


  • 5% cash back on your top eligible spending category each billing cycle (up to $500 in monthly purchases, then 1%)

  • 1% cash back on all other purchases

More details: Eligible spending categories for the 5% category include grocery stores as well as restaurants, gas stations, select streaming services, , and more. There’s also an intro 0% APR offer and you can earn 4% when you book hotels, car rentals, and attractions with Citi Travel through June 30, 2025.

Why we like it: This card is our choice for regular monthly grocery spending because it can be ideal for grocery shoppers who have a set amount of money to put toward groceries each month. There is a $500 monthly spending cap, but it’s hard to beat the 5% you can earn up to that limit with the . Over a year of maxing out the 5% with grocery stores as your category, you can earn up to $300 cash back. With the average $5,703 spread over a year, you could potentially earn $285.15. Just be aware of your spending and spread your grocery purchases out to not meet the monthly caps.

Unlike some other customized , the Citi Custom Cash makes it easier to maximize these categories. Instead of opting into your choice category each billing cycle, you’ll automatically earn 5% on purchases in the eligible category where you spend most. So if you want to use this as your grocery rewards card, you may want to designate it solely for your regular trips to the supermarket to ensure you’re getting the max 5% rewards when you spend.

A co-branded grocery credit card may offer even more savings if you tend to shop at the same store each week. That’s especially true if you do most of your grocery shopping at superstores or wholesale clubs — which are often excluded from earning bonus rewards with regular grocery credit cards.

Here are a few for groceries to consider:

For no annual fee beyond your Costco membership price, you can use the to earn 4% cash back on eligible gas station and EV charging station purchases (up to $7,000 per year, then 1%), 3% cash back at restaurants, 3% cash back on , and 2% cash back on purchases at Costco and Everything else earns 1% cash back. If you already have a Costco membership and do much of your monthly shopping there, this card can help you maximize that grocery spending as well as other regular expenses.

However, you will redeem your Costco card rewards differently than other . Each year, you’ll receive a rewards certificate which you can use in one transaction at a Costco warehouse location. As with any card, ensure you understand the details of how to best earn and use your rewards before you sign up.

If you do most of your grocery shopping (and other essentials) at Walmart, the could offer big savings. It has no annual fee and earns 5% cash back on purchases (which includes pickup and delivery orders) and 2% cash back on purchases at Walmart stores and both Murphy USA and Walmart gas stations. You’ll also get 2% cash back at restaurants, 2% cash back on travel, and 1% on all other purchases.

For the first 12 months after account opening, you can earn a boosted 5% cash back in-store at Walmart when you use Walmart Pay with your card to make your purchases.

Target recently revamped its — and part of the relaunch included the , which offers a lot of potential savings for frequent shoppers. You’ll earn 5% cash back at Target stores and on with the no annual fee card and, if you’re approved for the Target Mastercard version, also earn 2% cash back on dining, 2% at gas stations, and 1% cash back on all other non-Target purchases.

Other Target benefits include free two-day shipping on eligible purchases, a longer window for returns or exchanges, and other deals for cardholders that vary throughout the year. As a bonus, you can get $50 toward a future purchase after you’re approved.

Keeping in your wallet can be useful for earning the best rewards and taking advantage of the best benefits on nearly every purchase you make. So if, like many Americans, supermarket spending is among your most common monthly expenses — a credit card for groceries can make a lot of sense.

There are a few reasons you may want to hold off, though. For one, if opening a new credit card encourages you to spend more than you can afford just to earn rewards, it might be than budget-friendly. Many of the best grocery credit cards also require a great credit score — so if you’re still , you may want to wait to apply.

Overall, comparing the potential value to your own spending at the grocery store is the best way to decide. Here are a few more factors to consider:

  • Where you shop most often: If you always do your grocery shopping at the same chain, or a rotation of a few different supermarkets, make sure you can earn rewards there with your grocery credit card. Read the card’s terms before you apply to see whether any exclusions apply that may keep you from maximizing your spending.

  • What type of rewards you want to earn: You can find grocery bonus categories among both and rewards credit cards that earn points and miles. Narrow down your options by deciding whether you prefer the simplicity of cash back or want to earn points that you can put toward a .

  • How much you spend on groceries: Several of the best credit cards for groceries cap the amount you can spend before maxing out top rewards for the month, quarter, or year. Look back at your total supermarket spending over the past year to compare your totals with each card’s spending cap to secure the most value for you over the long term.

Like any credit card bonus category, the details of your grocery rewards can differ between cards and card issuers.

The language used by the issuer to refer to a card’s grocery rewards can make a big difference in your potential earnings.

For example, many grocery credit cards earn rewards solely at “grocery stores” or “supermarkets” and specify that the same bonus rewards rate does not apply to large superstores like Walmart and Target or warehouse clubs like Costco and Sam’s Club. If you prefer to complete all your shopping at your local Super Target or you’re a loyal Costco member, you’ll probably be better off with a card that earns rewards at those stores specifically.

This is also important if you use online grocery delivery. Whether you prefer Instacart, Amazon Fresh, or another grocery delivery service, you’ll want to make sure you can earn your grocery rewards while using it.

Finally, look for any restrictions on where you spend. Some grocery credit cards only at stores within the United States. If you plan to use the card to buy food on trips abroad, you might forfeit some rewards earnings.

Spending limits are likely one of the first things that stand out when you begin comparing credit cards for groceries. You’ll often see a card offer something like 5% cash back on grocery store purchases up to the first $500 per month or 6% back on grocery store spending up to the first $1,500 per quarter.

While a spending cap can hurt your potential earnings, it’s not a reason to rule out a card altogether. In fact, the cards we compared generally have spending limits well within the amount average Americans spend on food at home each year.

What’s more important is how each card’s restrictions fit your specific grocery spending.

If you have a large family, for example, and spend well beyond the limits each year, you might want to look for a card that doesn’t have any annual limit on what you can earn — even if it does have a lower reward or . Or maybe your grocery spending tends to be much higher at certain times throughout the year when you eat at home more. Then, you might prioritize a card with a more flexible annual limit rather than specific monthly or quarterly limits.

Our list of the best credit cards for groceries started by compiling all of the credit cards available from major issuers — from to and — that earn grocery rewards. In total, we evaluated nearly three dozen cards for this list.

From there, we determined each credit card’s annual grocery rewards potential based on the average amount that Americans spend on food at home according to the from the Bureau of Labor Statistics. As of 2022 — the most recent available data — that amount is $5,703.

We then assigned each of the potential cards a rating. The data points used for this include standard details like APR, annual fee, , security protections, and more. But we also included some features specific to grocery rewards, including the potential cash back earned using the BLS data and actual rewards rate.

The cards that make up our list include both the top-scoring cards overall and the cards with the top potential annual earnings. While we wanted to guarantee each of our options could help maximize grocery spending, we also included a range of annual fees, rewards types, and spending limits so that you can use your individual spending habits and goals to find the best fit for your grocery budget.

This article was edited by Rebecca McCracken

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn’t include all currently available offers.

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