Best Credit Cards for Groceries

Whether you’re cooking for yourself or a family of four, you can still benefit from a credit card with extra rewards for grocery purchases. When choosing a card to suit you, it’s a good idea to work out the rewards you can expect given your average food bill, and consider the impact of any fees as well as redemption restrictions. Our team has compiled the list below of the best credit cards for groceries:

Best credit card for groceries with no annual fee: Capital One® SavorOne® Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card
Capital One® SavorOne® Cash Rewards Credit Card
Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

Why it’s the best

If you prefer a card with no annual fee, the Capital One SavorOne Cash Rewards Credit Card is a great choice. The cash back rate of 2% at grocery stores is in line with similar products on the market, and you’ll even get 3% cash back on dining and entertainment when you eat or go out. With no annual limits, this card is low-maintenance and simple to use.

The 15-month 0% APR period with a variable go to rate of 15.49% – 25.49% after that is a top offer for a card with no annual fee, and you’ll receive $150 in cash bonus if you spend $500 on purchases in the first three months.

Bonus points:

  • Great for international travel with no foreign transaction fees.
  • Redeem to suit you: No minimum redemption and rewards won’t expire if the account remains open.

Best credit card for groceries to earn 1.5% cash back on everything: Chase Freedom Unlimited

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Why it’s the best

For those who would rather steer clear of rotating categories or commit to spending in specific rewards areas, Chase Freedom Unlimited offers a simple 1.5% cash back on purchases, with no annual maximum. While you can probably find a higher cash back rate, Chase Freedom Unlimited offers more flexibility in redemption options. Choose from statement credits, direct deposits, shop with points on Amazon, gift cards or even transfer them to other Chase cards that earn Ultimate Reward points for travel use.

Chase also offers a cash bonus of $150, but you’ll have to spend $500 in the first three months to qualify. There’s a decent 15-month 0% APR period for purchases and balance transfers too. After that, there is a variable go to rate of 16.49%–25.24%. This card delivers great value for a $0 annual fee.

Bonus points:

  • Protect your purchase with 120-day purchase protection and extended warranty.
  • Redeem when it suits you: Rewards won’t expire if your account stays open; no minimum redemption.

Best credit card for groceries and your first rewards card: Capital One® QuickSilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card
One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

Why it’s the best

Like Chase Freedom Unlimited, the Capital One QuickSilver Cash Rewards Credit Card offers a similar rate of 1.5% unlimited cash back on all purchases. It also boasts a 15-month interest-free intro period with a variable go to rate of 15.49% – 25.49% after that on both purchases and balance transfers and a $0 annual fee. But what gives QuickSilver the edge for beginner cardholders is that you can use it outside the U.S. without incurring foreign transaction fees. You can also transfer in high-interest balances at any time during the interest-free period and still pay 3% in balance transfer fee (Chase Freedom Unlimited charges 3% if you complete the transfer within 60 days, then 5% after that).

The $150 cash bonus is relatively easy to earn, as you’ll need to spend just $500 in the first three months to qualify. If cash back rewards and predictable fees are what you’re after, then QuickSilver is a good fit.

Bonus points:

  • Enjoy travel benefits: Complimentary travel accident insurance and auto rental collision damage waiver.
  • Redeem your way: No rewards expiration as long as the account stays open, and no minimum redemption requirements.

Best credit card for groceries with banking relationship bonuses: Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card
Bank of America® Cash Rewards credit card
No annual fee.

Why it’s the best

A big selling point with the Bank of America® Cash Rewards credit card is that you can get 3% cash back on a category of your choice to match your spending. Choose from gas, online shopping, travel, drugstores, dining and home improvement, and change categories every calendar month, if you wish. The 2% at grocery stores and wholesale clubs is in line with other tiered credit cards, but there is a quarterly maximum of $2,500 on combined purchases in bonus categories.

What sets this card apart is the extra rewards potential if you’ve already got a large balance in your Bank of America, or Merrill account. Depending on the total balance across your accounts, you can get 25%, 50% or 75% extra credit card rewards, so your 3% cash back becomes either 3.75%, 4.5% or 5.25% — great cash back rates for a card with no annual fee.

Bonus points:

  • Lengthy 0% APR period for 15 billing cycles with a variable go to rate of 15.49%-25.49% after that, saving you significant interest on purchases and balance transfers.
  • Sizeable cash rewards bonus: $200 if you spend $1,000 on purchases in the first 90 days.

Best credit card for groceries to earn flat-rate cash back: Citi® Double Cash Card

Citi® Double Cash Card
Citi® Double Cash Card
Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Why it’s the best

Compared with well-regarded flat-rate cash back cards like Chase Freedom Unlimited and Capital One QuickSilver, the Citi Double Cash Card offers a superior rewards rate of 2% on purchases, with no annual limits. You receive 1% back on purchases, then another 1% as you pay for it either in full or over time. This card doesn’t come with a lot of perks or a welcome bonus, but if you value simple cash-back rewards at a better rate, then the Citi Double Cash is a compelling option.

Apart from getting something back for your food bill, you can save significant interest from the lengthy 18-month 0% APR period too. After that, there is a variable go to rate of 15.49% – 25.49%. Like many flat-rate cash back products, this card has no annual fee.

Bonus points:

  • Flexible redemption: Receive cash back as a check, statement credit, credit to a linked account or convert to points for Citi’s ThankYou Rewards program.
  • Special events: Enjoy VIP access to buy tickets for concerts, sporting events and dining experiences.

Best credit card for groceries to earn cash back for families: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Why it’s the best

While the Blue Cash Preferred® Card from American Express has a $95 annual fee, the outstanding rewards rates on family-friendly categories means it’s easy to make your money back and more. With 6% cash back at U.S. grocery stores up to $6,000 per year (then 1%), 6% on select U.S. streaming services, 3% at U.S. gas stations and transit, and 1% on everything else, there’s huge potential for families to maximize their cash back rewards without having to manage rotating categories.

The $250 intro bonus is generous if you can spend $1,000 on purchases in the first three months to qualify. The 12-month 0% APR period can save you interest on both purchases and balance transfers. After that, there is a variable go to rate of 14.49%-24.49%.

Bonus points:

  • Travel with confidence: Complimentary car rental loss and damage insurance; 24/7 travel assistance.
  • Returns protection: Return an eligible purchase to Amex within 90 days and get a refund if the seller won’t take it back.

Kristie Kwok

Kristie Kwok is a finance content writer with in-depth knowledge of the banking industry from her previous work experience in banks such as UBS, Lloyds Banking Group and Royal Bank of Scotland. She is a qualified accountant with a Bachelor of Commerce degree, specializing in Accounting and Finance.