Skip to main content
Expert Curated • Updated Daily

Save More on Your Biggest Expense

Groceries are often the largest household expense after housing. Earn 3-6% back on supermarket purchases with the right credit card.

Find Your Perfect Card Sign Up Free

Earn 3-6% cash back on groceries

$200-$300+ annual rewards for average families

Works at major supermarkets nationwide

Last updated: March 23, 2026
Share:

Top Best Grocery Credit Cards of 2026

Expert-ranked cards based on rewards, fees, and benefits

#1
Hilton Honors Surpass credit card
Hilton Honors Surpass

American Express

Annual Fee
$150/year
Welcome Bonus
130,000 points
Top Earn Rates
12x hotels and resorts within the Hilton portfolio, 6x Dining At U.S. restaurants, including takeout and delivery, , 6x Groceries At U.S. supermarkets
More Info
#2
Blue Cash Preferred Card from American Express credit card
Blue Cash Preferred Card from American Express

American Express

Annual Fee
$95/year
Welcome Bonus
35,000 points
Top Earn Rates
6x U.S. Supermarkets, 6x Select U.S. Streaming Subscriptions, 3x U.S. Gas Stations
More Info
#3
Hilton Honors American Express Card credit card
Hilton Honors American Express Card

American Express

Annual Fee
No annual fee
Welcome Bonus
70,000 points
Top Earn Rates
7x hotels and resorts in the Hilton portfolio, 5x Dining At U.S. restaurants, including takeout and delivery, Groceries At U.S. supermarkets, Gas At U.S. gas stations, 3x All Other Purchases
More Info
#4
Marriott Bonvoy Bevy American Express credit card
Marriott Bonvoy Bevy American Express

American Express

Annual Fee
$250/year
Welcome Bonus
175,000 points
Top Earn Rates
18.5x hotels participating in Marriott Bonvoy, 4x restaurants worldwide including takeout and delivery in the U.S. and U.S. Supermarkets , 2x All Other Purchases
More Info
#5
American Express Gold Card credit card
American Express Gold Card

American Express

Annual Fee
$325/year
Welcome Bonus
90,000 points
Top Earn Rates
4x Restaurants (Worldwide), 4x U.S. Supermarkets, 3x Flights (Direct or Amex Travel)
More Info
#6
Chase Sapphire Preferred credit card
Chase Sapphire Preferred

Chase

Annual Fee
$95/year
Welcome Bonus
75,000 points
Top Earn Rates
5x Chase Travel, 3x Dining, 3x Streaming
More Info
#7
Citi Strata Premier credit card
Citi Strata Premier

Citi

Annual Fee
$95/year
Welcome Bonus
60,000 points
Top Earn Rates
10x Hotels (Citi Travel), 10x Car Rentals (Citi Travel), 10x Attractions (Citi Travel)
More Info
#8
Citi Strata credit card
Citi Strata

Citi

Annual Fee
No annual fee
Welcome Bonus
30,000 points
Top Earn Rates
5x Hotels (Citi Travel), 5x Car Rentals (Citi Travel), 5x Attractions (Citi Travel)
More Info
#9
Blue Cash Everyday Card from American Express credit card
Blue Cash Everyday Card from American Express

American Express

Annual Fee
No annual fee
Welcome Bonus
20,000 points
Top Earn Rates
3x U.S. Supermarkets, 3x U.S. Online Retail Purchases, 2x U.S. Gas Stations
More Info

Want to compare these cards side-by-side?

Compare Top 4 Cards

What to Look For

Key factors to consider when choosing your card

High earning rate on groceries (3-6% cash back or 4x points)

Annual spending caps (some cards limit bonus earning to $6,000/year)

Eligible stores (Whole Foods, Safeway, Kroger, etc.)

Whether warehouse clubs (Costco, Sam's Club) count

Additional perks like streaming credits or gas rewards

Annual fee versus your grocery spending (break-even analysis)

How to Choose

Calculate your annual grocery spending. If you spend $500+/month, the Amex Blue Cash Preferred (6% back, $95 fee) earns significantly more than no-fee alternatives. For lighter spending, Blue Cash Everyday (3% back, no fee) or Chase Freedom Flex (5% rotating) may be better.

Learn More About Credit Cards

Frequently Asked Questions

Get answers to common questions about choosing the right card

The Amex Blue Cash Preferred offers the highest rate at 6% cash back on U.S. supermarkets (up to $6,000/year, then 1%). With $95 annual fee, you break even at $1,583 annual grocery spending. For lighter spending, Blue Cash Everyday (3%, no fee) is better.

Still Have Questions?

Chat with our AI assistant or explore our learning center for more information

Ask Our AI Visit Learning Center

Explore Related Categories

Find the perfect card combination for your spending habits

Best Credit Cards for Groceries and Dining Out (2026)

Best cards for groceries AND dining 2026. Earn 4x on both with one card. Simplify your wallet & maximize rewards. Free comparison, no signup required.

View Cards

Best Cashback Credit Cards of 2026

Best cashback credit cards of 2026 compared side-by-side. Earn 2-6% back on every purchase. Free tool, no signup. Updated daily with latest offers.

View Cards

Best Gas Credit Cards of 2026

Best gas credit cards of 2026 with up to 5% cash back at the pump. Most have $0 annual fee. Save $150-$300/year on fuel. Free comparison tool.

View Cards

Not sure which category is right for you?

Take Our Quiz

Helpful Tools & Resources

Make smarter decisions with our free tools

Compare Cards

Side-by-side comparison of rewards, fees, and benefits to find the best fit

AI Assistant

Ask our AI which card to use at any store or for any purchase

Learning Center

Master credit card rewards with our beginner-friendly guides

Ready to Optimize Your Wallet?

Let our AI help you find the perfect card combination for your spending habits

Take Our Quiz Track Your Cards Free

Join 2,400+ users earning $847 more per year. Free forever.