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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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Compare rewards credit cards to find the best

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Compare travel credit cards to find the best

VIEWING 1 - 4 of 12

our choice

Rating 4.7
on Discover's secure website

Excellent/Good Credit 

Rating 5.0
on Citi'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 4.7
on Citi's secure website

Excellent, Good Credit 

Rating 4.7
on Capital One's secure website

Average, Fair, Limited Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

REWARDS
Rewards bonus
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.
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
INTRO OFFER: Unlimited Cashback Match – 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.
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
No
No
INTRO OFFER: Unlimited Cashback Match – 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
1.5x Miles per dollar on all purchases
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
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
Earn 3 Points at Restaurants, Supermarkets, Gas Stations, Air Travel and Hotels
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
1.5% Cash Back on every purchase, every day
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
Rewards on everyday purchases
1.5x Miles per dollar on all purchases
Earn 1X ThankYou® Points on All Purchases
1% unlimited cash back on all other purchases - automatically
Earn 1 Point per $1 spent 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.
Earn unlimited 1.5% cash back on every purchase, every day
1% unlimited cash back on all other purchases - automatically
Rewards expiration
Rewards never expire
Points do not expire provided your account is active and in good standing
Rewards never expire
Points do not expire provided your account is active and in good standing
Your cash rewards balance will expire if you have not earned any cash back from purchases or payments for 12 months
Cash back doesn't expire for the life of the account
Cash rewards never expire.
Credit card usage
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
RATES AND FEES
Intro APR on purchases
0% Intro APR (14 months on Purchases)
0% (15 months on Purchases)
0% (14 months on Purchases)
N/A
N/A
N/A
0% (14 months on Purchases)
Regular APR
11.99% - 22.99% Variable APR
13.49% - 23.49% (Variable)
11.99% - 22.99% Variable APR
15.99% - 23.99% (Variable)
13.99% – 23.99% (Variable)
26.99% (Variable)
11.99% - 22.99% Variable APR
Annual fee
$0
$0
$0
$95
$0
$39
$0
Foreign transaction fee
None
3%
None
0%
3%
None
None

Check out
grocery REWARDS
CREDIT CARD OF 2021

Discover it® Miles apply
on Discover's secure website
Rating 4.7

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.

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 on Discover's secure website
  • 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.
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 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.

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apply on Citi's secure website

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

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.

Show more
apply on Discover's secure website

Intro APR on Purchases: 0% Intro APR (14 months on Purchases)

Ongoing APR: 11.99% - 22.99% Variable APR

Updated: Apr 12, 2021

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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