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.
Earn 3-6% cash back on groceries
$200-$300+ annual rewards for average families
Works at major supermarkets nationwide
Top Best Grocery Credit Cards of 2026
Expert-ranked cards based on rewards, fees, and benefits
American Express
American Express
American Express
American Express
American Express
Citi
Citi
American Express
American Express
Want to compare these cards side-by-side?
Compare Top 4 CardsWhat 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 CardsFrequently 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.
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