Groceries are one of the largest household expenses — the average American family spends over $5,000 per year at supermarkets. The right credit card can earn you $200–$400 back on that spending annually. Here are the best credit cards for grocery purchases in 2026.

670+
Min. Credit Score
$200+
Avg. Limit
20–29%
Typical APR
Amex Blue Cash Preferred6% cash back at U.S. supermarkets, $95/year
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Top Picks at a Glance

#1 Pick

Amex Blue Cash PreferredAmex Blue Cash Preferred

$95 annual fee · 6% cash back at U.S. supermarkets (up to $6K/year)
Best overall for heavy grocery spenders · 6% on streaming too
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#2 Pick

Amex Blue Cash EverydayAmex Blue Cash Everyday

$0 annual fee · 3% cash back at U.S. supermarkets (up to $6K/year)
Best no-fee grocery card · 3% on online retail & gas too
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#3 Pick

Chase Freedom FlexChase Freedom Flex

$0 annual fee · 5% on rotating categories (often includes groceries)
5% on first $1,500 in rotating categories · 3% dining
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#4 Pick

Capital One SavorOneCapital One SavorOne

$0 annual fee · 3% cash back at grocery stores
3% on dining, entertainment, streaming too · No annual fee
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#5 Pick

Citi Custom CashCiti Custom Cash

$0 annual fee · 5% on top spend category (up to $500/month)
Automatically earns 5% on your highest-spend category
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#6 Pick

Bank of America Customized CashBank of America Customized Cash

$0 annual fee · 3% on chosen category + 2% at grocery stores
Grocery is always 2%; choose another category for 3%
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#7 Pick

Amazon Prime Rewards Visa

$0 annual fee (Prime required) · 5% at Whole Foods
Best for Whole Foods shoppers + 5% at Amazon
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Amex Blue Cash Everyday3% at supermarkets, $0 annual fee
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✓ Pros

  • Build or rebuild credit history
  • Earn rewards on everyday spending
  • Fraud protection & zero liability
  • Free FICO score on statements

✗ Cons

  • High APR if you carry a balance
  • Low initial credit limits
  • Annual fees on some cards
  • Hard inquiry on application

How We Chose These Picks

WiseIQ's editorial team evaluated each option based on annual fees, rewards rates, approval requirements, customer service ratings, and overall value for the target user. All rates and terms are verified as of April 2026.

💡 Expert Tip: Always pay your full statement balance each month to avoid interest charges. Even a small balance can cost you significantly at 20–29% APR.
Capital One SavorOne3% at grocery stores + dining, $0 annual fee
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Related Articles

Amex Gold Card ReviewChase Freedom Flex ReviewBest Credit Cards for GasBest Credit Cards for DiningCiti Double Cash Review

Frequently Asked Questions

Which credit card gives the most cash back on groceries?
The Amex Blue Cash Preferred gives 6% cash back at U.S. supermarkets (up to $6,000/year), making it the highest grocery rewards rate available. The $95 annual fee pays for itself if you spend over $1,583/year on groceries.
Do grocery credit cards work at Walmart and Target?
Most grocery credit cards define 'supermarkets' using merchant category codes (MCC). Walmart and Target typically code as 'discount stores' or 'department stores,' not supermarkets — so they usually don't earn the bonus grocery rate. Whole Foods, Kroger, Safeway, and traditional supermarkets do qualify.
What's the best no-fee credit card for groceries?
The Amex Blue Cash Everyday (3% at supermarkets) and Capital One SavorOne (3% at grocery stores) are the best no-annual-fee grocery cards. The Citi Custom Cash can earn 5% if groceries are your highest-spend category.
Is the Amex Blue Cash Preferred worth the $95 annual fee?
If you spend more than $1,583/year at U.S. supermarkets, the 6% rate (vs. 3% on the no-fee version) earns enough extra cash back to cover the $95 fee. Most families who spend $400+/month on groceries will find it worthwhile.