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The best credit card for groceries is the Blue Cash Preferred Card from American Express due to its 6% cash back on groceries and streaming services.
Methodology: We reviewed hundreds credit cards, scoring issuers' APRs, fees, sign-up bonuses and rewards.
Editor's take: Beyond grocery rewards, the Blue Cash Preferred Card from American Express offers car rental coverage, emergency travel assistance and purchase and extended warranties.
Updated February 2026.
The best credit cards for groceries can help you save money by offering cash back or points for your supermarket or wholesale club purchases. Many of these cards also offer generous reward rates on restaurants and food delivery, plus additional perks.
Read on for our top picks for best credit cards for groceries.
Our Top Picks for the Best Credit Cards for Groceries
- Best Overall: Blue Cash Preferred Card from American Express
- Best for Groceries and Dining: American Express Gold Card
- Best for No Annual Fee: Co-Branded Credit Cards from U.S. Bank
- Best for Rewards: Instacart Mastercard from Chase
- Best Sign-Up Bonus: Savor Rewards from Capital One
All rates and data are current as of Feb. 24, 2026.
Best Credit Cards for Groceries Reviews
Why we chose it: In addition to offering a 0% introductory APR for 12 months on both purchases and balance transfers from the date of account opening, the Blue Cash Preferred Card from American Express provides 6% cash back on groceries and streaming services.
With a $95 annual fee and variable APRs ranging from 19.49% to 28.49%, the card offers strong incentives to new customers. That includes a sign-up bonus of $300 after spending $3,000 within six months. For balance transfers, the Blue Cash Preferred Card charges $5 or 3%. The card also offers 3% cash back on transit and gas at U.S. stations, and 1% cash back on all other purchases.
Beyond its grocery rewards, the card's perks include car rental coverage, emergency travel assistance, purchase protection (limited up to $1,000 per covered purchase, up to $50,000 per card member account per calendar year) and extended warranties (up to a maximum of $10,000, not exceeding $50,000 per card member account per calendar year). For those traveling abroad, the Blue Cash Preferred's foreign transaction fee is 2.7%.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The American Express Gold Card offers 4x points on dining (up to $50,000 per year) and groceries (up to $25,000 per year).
The card also offers new customers a sign-up bonus of 100,000 points after they spend $6,000 in the first six months after opening the account. The American Express Gold Card also provides 3x points on flights booked directly with airlines, 2x points on prepaid hotels and 1x on all other purchases. The annual fee of $325 is the highest on our list of the best credit cards for groceries, and the American Express Gold Card's APRs range from 19.49% to 28.49%, but there is no foreign transaction fee.
Perks include baggage delay and loss coverage, emergency travel assistance, car rental coverage and purchase protection and extended warranty coverage. Additionally, the American Express Gold Card provides customers with up to $120 in Uber Cash annually, which can be used for rides within the U.S. or Uber Eats orders, as well as up to $7 in monthly statement credits when using the card at U.S. Dunkin' locations.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The co-branded credit cards from U.S. Bank, which are partnered with numerous grocery stores, do not charge an annual fee.
Customers can use the cards for up to 5% cash back on groceries at Kroger, Dillons Food Stores, Fred Meyer, Fry's, Harris Teeter, King Soopers, Mariano's, QFC and Ralphs, and 1% on all other purchases. U.S. Bank's cards' variable APRs range from 17.49% to 30.49%.
Customers can earn a $100 statement credit when they spend $500 within the first 90 days of opening an account. The cards also provide purchase protection and fuel discounts, and there is an introductory balance transfer fee of just 3%.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The Instacart Mastercard from Chase offers 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually.
Additionally, the card features 5% cash back on Chase Travel purchases, including flights and hotels and more; 2% cash back at restaurants — including orders on Instacart powered by Uber Eats — gas stations and on select streaming services; and 1% on all other purchases. Instacart Mastercard's variable APRs range from 18.24% to 27.74%.
Cardholders receive a $50 Instacart credit that is automatically provided upon approval. There is a 5% balance transfer fee but no foreign transaction fee and no annual fee. Perks include free Instacart Express, baggage delay insurance, lost luggage reimbursement, roadside assistance, travel accident insurance, purchase protection, extended warranty coverage and auto rental coverage.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: New customers can earn up to a $200 cash bonus when they spend $500 within the first three months of opening an account with Savor Rewards from Capital One.
The Savor Rewards card does not charge an annual fee and provides unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. Cardholders are also eligible for unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services, as well as 1% cash back on all other purchases. The card also offers a 0% introductory APR for the first 12 months that an account is open. After that, variable APRs range from 18.49% to 28.49%.
There is no annual fee or foreign transaction fee, but Capital One charges a 3% balance transfer fee for each transferred balance within the first 15 months of account opening. After the initial promotional period, a fee of 4% applies to subsequent balance transfers. Perks include extended warranty coverage, travel accident insurance and 50% off all handcrafted beverages at any Capital One Café location nationwide.
Terms apply. Please visit the card's website for applicable rates and fees.
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Credit Cards for Groceries FAQs
What stores are considered grocery stores for credit cards?
Grocery stores and supermarkets have a specific merchant category code (MCC) that includes dedicated grocery stores and supermarkets. It excludes superstores, wholesale clubs and more specific stores such as bakeries or meat lockers.
Aside from the specific code for grocery stores/supermarkets, what issuers consider a grocery store can vary greatly. Some issuers include bakeries and specialty markets, while others don't. In most cases, however, both superstores and wholesale clubs are explicitly excluded.
Is it better to use credit or debit for groceries?
Using one or the other depends on personal preference or particular financial situation. However, using one of the best card for groceries could earn rewards and save some money in the long run.
How We Chose the Best Credit Cards for Groceries
The best credit cards for grocery store rewards offer opportunities to earn extras on groceries and supermarket purchases. Along with sign-up bonuses and promos and low or no fees, the best cards for groceries can help lower your monthly bill.
| Grocery Rewards | Sign-Up Bonus | Fees | Other Perks |
| 40% | 30% | 20% | 10% |
- Grocery Rewards: Rewards that fit typical student spending patterns (e.g., dining, streaming) or small budgets.
- Sign-Up Bonus: Value of new cardholder bonuses including welcome offers.
- Fees: Preference for cards with lower fees than usually associated with cards for building credit.
- Other Perks: Purchase insurances (purchase protection, return protection warranties) or other extra card benefits.
Read our full methodology here.
Summary of Money's Best Credit Cards for Groceries
- Best Overall: Blue Cash Preferred Card from American Express
- Best for Groceries and Dining: American Express Gold Card
- Best for No Annual Fee: Co-Branded Credit Cards from U.S. Bank
- Best for Rewards: Instacart Mastercard from Chase
- Best Sign-Up Bonus: Savor Rewards from Capital One
To see rates and fees for the Blue Cash Preferred® Card from American Express, please visit this link. Terms apply.
To see rates and fees for the American Express® Gold Card, please visit this link. Terms apply.
To see rates and fees for the Blue Cash Everyday® Card from American Express, please visit this link. Terms apply.
* Insurance disclosures for American Express Cards on this page:
Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
Extended Warranty, Purchase Protection, Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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