Best Credit Card For Grocery Shopping

17 Best Credit Card For Grocery Shopping In 2024

Find the best credit card for grocery shopping and maximize your rewards. Compare features, benefits, and cashback offers to make the most of your grocery purchases and save money while you shop.

Want to grab the benefits of a credit card? Looking for the Best Credit Card for Grocery Shopping in the world, like India, USA, UK, etc., in 2024? As food prices keep rising, you can use the best credit card at the grocery store.

It can easily help you earn valuable rewards and save money. In this blog post, we’ll look at the top 17 credit cards that offer the best bonuses, cash back, and benefits for grocery buys.

What Makes a Credit Card Great for Grocery Shopping?

When judging the Best Credit Card for Grocery Shopping, there are a few key things to consider. The most important is the earn rate – how many points, miles, or cash back you’ll get per dollar spent on groceries. Also, look for cards with no yearly fees, sign-up bonuses, and bonus groups, including grocery stores, supermarkets, and even wholesale clubs.

How Do You Manage Credit Card Rewards When Shopping For Groceries?

How do you make the most of credit card rewards when buying groceries? Simple! Just check your credit card’s rewards program regularly, understand how to use your points, and take advantage of any special deals for grocery shopping. It’s also a good idea to use one specific card for all your purchases to gather points faster. 

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Look into any extra benefits you might get for buying groceries through partnership programs. By keeping track of your credit card rewards and being smart about where you spend, you can save more when shopping for groceries.

17 Best Credit Card For Grocery Shopping In 2024

Navigating the realm of credit cards for grocery shopping in 2024? Uncover the top choices for maximizing savings and rewards with our simplified guide on the best credit cards tailored to your grocery needs.

1. American Express Blue Cash Preferred 

The American Express Blue Cash Preferred is often seen as the Best Credit Card for Grocery Shopping. It offers an impressive 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%). Plus, you’ll get 6% back on select U.S. streaming services and 3% back at U.S. gas stations and in transit.

2. Citi Custom Cash 

The Citi Custom Cash card is a standout choice, offering 5% cash back in your top eligible spend group each billing cycle (including groceries). This means you can get 5% back on groceries when it’s your highest spend group for that month.

3. Target REDcard 

The Target RED card is a no-brainer if you shop at Target often. You’ll get a 5% discount on all Target purchases, including groceries, making it an excellent Best Credit Card for Grocery Shopping at this popular store.

4. Amazon Prime Rewards 

Visa Signature Card For Amazon Prime members, it offers 5% back at Amazon.com and Whole Foods Market. This makes it a top Best Credit Card for Grocery Shopping, especially for those who like the ease of online grocery delivery or shop at Whole Foods.

5. Blue Cash Everyday Card (American Express)

It is a solid choice for earning 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%) and 2% back at U.S. gas stations.

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6. Bank of America Cash Rewards (Best Credit Card)

This credit card lets you choose your 3% cash back group each month, with groceries as an option. This flexibility can be helpful if your spending habits change from month to month.

7. Chase Freedom Unlimited 

While not a dedicated grocery card, the Chase Freedom Unlimited earns 1.5% cash back on all buys, including groceries. This can be a good catch-all Best Credit Card for Grocery Shopping if you like a simple, flat-rate rewards setup.

8. Costco Anywhere Visa Card by Citi 

For Costco members, the Costco Anywhere Visa Card by Citi is a top Best Credit Card for Grocery Shopping. It offers 2% cash back on buys from Costco (including groceries) and at Costco gas stations.

9. Wells Fargo Active Cash Card 

The Wells Fargo Active Cash Card is straightforward, offering 2% cash back on all buys, including groceries. If you like a simple, flat-rate rewards setup, this can be an excellent Best Credit Card for Grocery Shopping.

10. U.S. Bank Cash+ Visa Signature Card 

The U.S. Bank Cash+ Visa Signature Card lets you choose two 5% cash back groups each quarter, with grocery stores being an option. This can be a great Best Credit Card for Grocery Shopping if you want to maximize your earnings in specific groups.

11. Citi Premier Card 

While it is not a dedicated grocery card. You can use the Citi Premier Card to earn 3X points per $1 spent on groceries. That makes it a solid Best Credit Card for Grocery Shopping choice for those who like travel rewards.

12. Chase Sapphire Preferred Card 

Another travel rewards card is the Chase Sapphire Preferred Card. By using this card you can earn 3X points per $1 spent on groceries (excluding Target and Walmart). This can be a valuable Best Credit Card for Grocery Shopping if you like to redeem your points for travel.

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13. Amex EveryDay Preferred Credit Card 

The Amex EveryDay Preferred Credit Card offers 3X points at U.S. supermarkets (up to $6,000 per year, then 1X). It also provides a 50% bonus points after making 30 or more buys in a billing cycle.

14. Hilton Honors American Express Surpass Card 

While not a traditional grocery card, the Hilton Honors American Express Surpass Card offers 6X Hilton Honors Bonus Points per $1 spent at U.S. supermarkets. This can be a good Best Credit Card for Grocery Shopping if you often stay at Hilton properties.

15. IHG Rewards Premier Credit Card 

The IHG Rewards Premier Credit Card earns 2X points per $1 spent on groceries, making it a decent Best Credit Card for Grocery Shopping choice for those who like to redeem points for hotel stays.

16. Capital One SavorOne Cash Rewards 

This Credit Card mainly offers the people 3% cash back on groceries (excluding superstores like Walmart and Target). This can be a solid Best Credit Card for Grocery Shopping if you like a straightforward cash back program.

17. Discover it Cash Back 

While not a dedicated grocery card, the Discover it Cash Back offers 5% cash back in rotating quarterly groups (up to $1,500 per quarter), which sometimes include grocery stores. This can be a good Best Credit Card for Grocery Shopping during those quarters.

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What Are The Best Credit Cards Available For Grocery Shopping In The US?

Looking for the best credit cards to maximize your savings on grocery shopping in the US? Explore our simplified table highlighting top picks like American Express Blue Cash Preferred and Chase Freedom Unlimited, each offering unique rewards and benefits tailored to your grocery needs.

CardBest ForRewards RateAnnual Fee
Blue Cash Preferred® Card from American ExpressHighest rewards rate6% cash back at supermarkets (up to $6,000 per year, then 1%)$95
Capital One SavorOne Cash Rewards Credit CardFrequent restaurant diners4% cash back on groceries and entertainment$0
American Express® Gold CardTravel rewards and perks4x Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1x)$250
Citi Custom Cash® CardUp to 5% cash backChoose your top spending category for 5% cash back on up to $500 per month (potentially groceries)$0
U.S. Bank Cash+® Visa Signature® CardCustomizable cash back5% cash back on two different spending categories you choose (potentially groceries)$95
Citi Double Cash® Card2% cash back on everything1% cash back when you buy, plus an additional 1% cash back when you pay$0
Blue Cash Everyday® Card from American ExpressOngoing high cash back with no annual fee3% cash back at supermarkets$0
Instacart Mastercard®Grocery delivery5% cash back or points back at Instacart$95

Closing Up

Consequently, choosing the Best Credit Card for Grocery Shopping in 2024 depends on your spending habits, likes, and whether you prioritize cash back, travel rewards, or a blend of both. By carefully considering the best options and selecting the card that aligns with your needs. Now, you can maximize your rewards and save money on your grocery buys.

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