If you’re looking for the best credit cards to maximize rewards on grocery purchases, you’re in the right place! Based on data from nearly 800 users , we’ve ranked the most popular credit cards for groceries.
Whether you prefer cash back, transferable points, or travel rewards, there’s a card here for you. Let’s dive in!
#10: Hilton Honors Surpass Card
Users: 79
Rewards: 6X Hilton Honors points at U.S. supermarkets (up to $6,000/year, then 1X).
Why It’s Great: Solid for Hilton loyalists, but points are best for hotel stays rather than everyday value.
👉 Best for: Frequent Hilton travelers who want bonus points on groceries.
#9: Citi Strata Premier
Users: 80
Rewards: 3X ThankYou Points at supermarkets.
Why It’s Great: Points can be transferred to airline partners, making it a strong travel card.
👉 Best for: Those who want flexible travel rewards from grocery spending.
#8: Amex Blue Cash Everyday®
Users: 94
Rewards: 3% cash back at U.S. supermarkets (up to $6,000/year, then 1%).
Why It’s Great: No annual fee and a simple cash-back option.
👉 Best for: Budget-conscious shoppers who want solid rewards with no annual fee.
#7: Citi Custom Cash®
Users: 152
Rewards: 5% cash back in your top spending category (including groceries, up to $500/month).
Why It’s Great: If groceries are your biggest monthly expense, this is a 5% cash-back powerhouse.
👉 Best for: People who spend heavily in one category (like groceries) each month.
#6: Discover it® Cash Back
Users: 152
Rewards: 5% cash back in rotating categories (including groceries in select quarters).
Why It’s Great: No annual fee and occasional 5% back at supermarkets (when activated).
👉 Best for: Those who can maximize quarterly bonus categories.
#5: Capital One Savor Rewards
Users: 182
Rewards: 3% cash back on groceries (plus dining & entertainment).
Why It’s Great: Strong everyday rewards with no foreign transaction fees.
👉 Best for: Foodies who want consistent rewards on groceries and dining.
#4: Amazon Prime Rewards Visa
Users: 198
Rewards: 5% back at Whole Foods (and Amazon).
Why It’s Great: If you shop at Whole Foods, this is a no-brainer.
👉 Best for: Prime members who frequent Whole Foods.
#3: Chase Freedom Flex®
Users: 225
Rewards: 5% cash back in rotating categories (sometimes including groceries).
Why It’s Great: Combines well with Chase Ultimate Rewards® for extra value.
👉 Best for: Those who pair it with a premium Chase card for maximum rewards.
#2: American Express® Gold Card
Users: 245
Rewards: 4X Membership Rewards® at U.S. supermarkets (up to $25,000/year).
Why It’s Great: The best premium card for groceries, with points transferable to airlines and hotels.
👉 Best for: Travelers who want high-value points from grocery spending.
#1: Chase Sapphire Preferred®
Users: 279
Rewards: 3X points on online grocery purchases (excluding Target & Walmart).
Why It’s Great: While not a traditional grocery card, it rewards online grocery orders (pickup/delivery).
👉 Best for: Chase fans who order groceries online.
Which Card Should You Use for Groceries?
- Best for Travel: Amex Gold (4X MR points)
- Best for Cash Back: Citi Custom Cash (5%)
- Best for Rotating Rewards: Chase Freedom Flex (5% in select quarters)
- Best for Whole Foods Shoppers: Amazon Prime Visa (5%)
What’s your go-to grocery card? Let us know in the comments!
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