Best Credit Card for Groceries
Compare the top credit cards for grocery stores, supermarkets, and warehouse clubs and find which one earns the most rewards.
Grocery stores represent 15–20% of most households' annual spending, making this the highest-value bonus category for everyday earners. Top cards earn 4–6x at U.S. supermarkets — that's $400–$600 per year on a $500/month grocery budget.
Top Pick
Blue Cash Preferred Card from American Express
6x on U.S. Supermarkets
Note: This card has a $6,000 annual spending cap for U.S. Supermarkets. Earnings above this amount will be at the base rate.
Before you click out
- This is the best fit only if you actually spend heavily on groceries.
- Make sure the $95 annual fee still makes sense for your total spend.
- If this is your pick, apply now and keep this page open in another tab for reference.
More Good Options
Capital OneCapital One SavorOne Cash Rewards3xpts/dollar5.6%return3x on Grocery Stores
Apply Now
Credit One Bank Cash BackCredit One Bank Platinum X5 Visa Signature5xpts/dollar5.0%return5x on Groceries
Apply Now
Air Canada AeroplanAeroplan Card3xpts/dollar4.7%return3x on purchases made directly with Air Canada, dining at restaurants, including takeout and eligible delivery services, grocery stores
Apply Now
Want broader partner inventory before you commit?
Use the partner marketplace only if you are still in category-browsing mode. If the top pick above already fits, the direct apply path is the cleaner decision.
Rewards Calculator
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Quick summary
A short version of the recommendation with the main numbers and fallback option.
For grocery stores, supermarkets, and warehouse clubs, Blue Cash Preferred Card from American Express is currently our top overall pick at 6x, which works out to about 12.0% back using CardCurator's current point valuations. 6x on U.S. Supermarkets. If you want a no-annual-fee option, Capital One SavorOne Cash Rewards earns 3x there (5.6% effective return). At $500/month of spend, the top card is worth about $720/year before signup bonuses or statement credits. Summary generated August 5, 2026. Source: https://cardcurator.ai/best-credit-card-for/groceries
- Blue Cash Preferred Card from American Express: 6x and 12.0% effective return.
- At $500/month, that's about $720/year in rewards value before bonuses.
- Capital One SavorOne Cash Rewards is the current no-fee fallback at 3x (5.6% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card for Groceries?
The Blue Cash Preferred Card from American Express is currently the top pick for grocery stores, supermarkets, and warehouse clubs, earning 6x points per dollar — an effective 12.0% return.
How many points do you earn on Groceries purchases?
The top-rated card for grocery stores, supermarkets, and warehouse clubs, the Blue Cash Preferred Card from American Express, earns 6x per dollar — an effective return of 12.0%.
Is there a no-annual-fee card that earns rewards on Groceries?
Yes — the Capital One SavorOne Cash Rewards earns 3x on grocery stores, supermarkets, and warehouse clubs with no annual fee (5.6% effective return).
Is a premium card worth the annual fee for Groceries spending?
Whether a premium card pays off depends on your total spending across all categories, not just groceries. Premium cards typically include travel credits, lounge access, and other perks that can exceed their annual fee.
Which card earns the most if I spend $500 per month on Groceries?
Blue Cash Preferred Card from American Express: $720/yr, Bilt Obsidian Card: $360/yr, Capital One SavorOne Cash Rewards: $333/yr. The Blue Cash Preferred Card from American Express earns the most at $500/month.
Do rotating category cards earn on Groceries?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature groceries as a 5% bonus category for one quarter per year. Year-round, a dedicated groceries card typically outperforms rotating category cards since you can't always count on the bonus.