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Best credit cards for
groceries FROM
OUR PARTNERS
Grocery shopping is one of the common everyday expenses that can easily help you earn over $100 back in rewards every year. The best grocery rewards cards offer up to 5% back at supermarkets. Plus, grocery rewards programs often include online grocery shopping and grocery delivery services in rewards categories. While putting big grocery bills on a grocery rewards credit card is a great idea, such a card may not be the best for other transactions. Check out best grocery credit cards from our partners below to find an ideal match for you.
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grocery REWARDS
CREDIT CARD OF 2021
GREAT BONUS OFFER
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
GOOD REWARDS
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
” Expert's opinion
This travel rewards credit card is great for travel and everyday shopping. The Discover it® Miles will automatically reward you with 1.5 miles for every dollar spent on purchases, everywhere. It's even easier to earn a bonus offer from Discover. All you need to get it is to shop and earn miles, when the first year of your cardmembership is over, Discover will simply match all miles you've earned. Earned miles can be redeemed as travel statement credits or cash, whichever you prefer.
How to choose
grocery rewards CREDIT CARD

There are credit cards that earn elevated rewards in changing categories, which usually include grocery shopping or wholesale clubs, or both. Rewards earnings are usually limited to the quarterly maximum spend and require activation. For example, the Discover it Cash Back card pays 5% cash back in rotating categories on up to $1,500 in purchases per quarter when you activate. Once the quarter maximum is reached, you will continue earning 1% cash back, and all other purchases will always earn 1% cash back. Discover's rotating categories include grocery stores, wholesale clubs, Walmart.com, and some other categories. Those categories pay up to 5% once a year for three months when you activate.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.

Grocery rewards credit cards can exclude wholesale clubs such as BJ's, Costco, and Sam's Club and big-box stores like Walmart and Target. If these are places you often find yourself shopping at, look for credit cards that offer rewards in those categories or store-branded credit cards. Such cards pay a higher rate on purchases in those and some additional categories. For example, they may also offer elevated rewards on gas purchases. All other purchases usually earn 1% back. If you choose a store credit card like the Costco Anywhere Visa® Card by Citi, you will earn increased cash back in categories like gas, restaurants, travel and Costco purchases, and a standard 1% back on all other purchases.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Now as you decided on a grocery reward program, consider credit card fees. Many credit cards for grocery shopping come with no annual fees. Still, some of the best credit cards for groceries may charge annual fees. It's especially true for co-branded credit cards that often require a paid membership to qualify for a credit card offer. In addition to the annual fee, cards may charge high interest rates. Luckily, those can be avoided if the card offers introductory rates. 0% intro APRs are extremely handy on a new credit card: they give you some time to get used to a new rewards program and help you maximize your earnings. Just remember that zero rates won't be there forever, they will eventually end, so you may want to pay off any balance you may have by the end of the zero introductory period to avoid interest payments.
Intro APR on Purchases: 0% Intro APR (14 months on Purchases)
Ongoing APR: 11.99% - 22.99% Variable APR
questions ABOUT
REWARDS CREDIT CARDS
If I get a credit card with grocery rewards will I earn rewards at Walmart?
This depends on a credit card. As a rule, Walmart and some other big-box retailers are not considered a grocery store for credit cards because they sell a lot more than groceries. Therefore, Walmart purchases won't earn...
Read moreWhat is the best credit card for rewards?
If it is your first rewards credit card, we would recommend applying for a no annual fee credit card with a fixed cash back rate on all purchases, without any changing categories and enrolments. Cash back rewards are...
Read moreHow to save money on groceries using a credit card?
Groceries make the biggest part of the average family budget and when you have an opportunity to save on such purchases, you can save a lot. There are a lot of tips and pieces of advice about how to save money while...
Read more