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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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our choice

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 4.4
on Citi's secure website

Excellent, Good Credit 

Rating 5.0
on Citi's secure website

Excellent, Good, Fair Credit 

Rating 4.5
on Citi's secure website

Excellent, Good, Fair Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

REWARDS
Rewards bonus
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. Discover gives you an unlimited match of 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.
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Max. rewards
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1.5x Miles per dollar on all purchases
Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically
Rewards on everyday purchases
1% unlimited cash back on all other purchases - automatically.
1.5x Miles per dollar on all purchases
Earn 1 Point per $1 spent on all other purchases
Earn unlimited 1% cash back on all other purchases.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
1% unlimited cash back on all other purchases - automatically.
Earning rewards
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
    Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Rewards expiration
Rewards never expire.µ
Rewards never expire.µ
Points do not expire provided your account is active and in good standingµ
Your rewards will never expire as long as your account remains open.µ
Your points will never expire as long as your account remains open.µ
Rewards never expire.µ
Credit card usage
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
RATES AND FEES
Intro APR on purchases
0% Intro APR (15 months)
0% Intro APR (15 months)
N/A
0% (15 months)
N/A
0% Intro APR (15 months)
Regular APR
17.24% - 28.24% Variable APR
17.24% - 28.24% Variable APR
21.24% - 29.24% (Variable)
19.24% - 29.24% (Variable)
19.24% - 29.24% (Variable)
17.24% - 28.24% Variable APR
Annual fee
$0
$0
$95
$0
$0
$0
Foreign transaction fee
None
None
0%
3%
3%
None

Check out
grocery REWARDS
CREDIT CARD OF 2024

Discover it® Cash Back APPLY NOW
on Discover's secure website
Rating 5.0

GREAT BONUS OFFER

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

GOOD REWARDS

  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

Expert's opinion

The Discover it® Cash Back is an ideal choice for those who want to get the maximum use of their credit card while shopping. Whether you prefer in-store or online shopping, this credit card will bring you unlimited 1% cash back on all purchases. What is more, Discover gives you the opportunity to expand your rewards with their 5% cash back at different places each quarter up to the quarterly maximum, each time you activate. Another reason to apply for the Discover it® Cash Back card is its exceptional sign-up bonus. Discover will match all the cash back new cardmembers have earned at the end of their first year. And the icing on the cake is the card's $0 annual fee!

Excellent/Good Credit

How to choose
grocery rewards CREDIT CARD

Reap Benefits from a Rewards Program
Earn More with Rotating Categories

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.

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APPLY NOW on Discover's secure website
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Make Use of a Sign-Up Bonus
Wholesale Clubs Options

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, you can earn increased rewards in categories like gas, restaurants, travel or other purchases, and a standard 1% back elsewhere.

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APPLY NOW on Citi's secure website
  • Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
Take Advantage of a 0% Intro APR
Consider Credit Card Fees

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.

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APPLY NOW on Discover's secure website

Intro APR on Purchases: 0% Intro APR (15 months)

Ongoing APR: 17.24% - 28.24% Variable APR

Updated: Mar 28, 2024

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 more
What 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 more
How 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
See all questions

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REWARDS CREDIT CARDS🜂

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