Best Credit Cards for Groceries in 2022

Paying for groceries with a rewards credit card gives you the ability to earn cash back, reward points or miles. We’ve subjected scores of grocery credit cards to our unique ranking methodology and selected the best of the lot so that you may easily find one that works well for you.

Last Updated: 7/1/2022
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Spending on groceries is a staple across all American households, and the bigger the family, the higher the expense. By using the right credit card to pay for these expenses, you get to maximize your reward-earning potential. A credit card for groceries may offer either a flat earn rate across all purchases or a higher earn rate on spending toward groceries.

MoneyGeek has narrowed down on the best grocery store credit cards after accounting for factors such as reward earn rates and fees. We present the information we’ve put together through charts, tables and tips to simplify your search.

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MoneyGeek's Take: Top Grocery Credit Cards in 2022

Narrowing down on the best credit card for groceries requires paying attention to your individual spending patterns and requirements. We've selected the top of the lot after considering aspects such as credit scores required to apply, reward earn rates, annual fees, APRs and additional benefits. For more recommendations, please scroll further down the page.

Summary of Top Cards

Best Grocery Credit Cards for July 2022

Experts at MoneyGeek have reviewed and compared the best cards for groceries across parameters such as reward earn rates, annual fees, interest rates and added perks. If we feel there’s a possible drawback you need to know of, we mention it up front.

  • American Express Blue Cash Preferred Card

    A great cash back card for gas and grocery shopping

    • Good-ExcellentCredit Needed
    • $95Annual Fee
    • 3% Cash BackRewards Rate
    • 6xRewards Rate on Entertainment
    • 6xRewards Rate on Groceries

    Terms, rates and fees apply

  • Citi Premier Card

    An excellent travel rewards card for international use

    • ExcellentCredit Needed
    • $95Annual Fee
    • 1–3 Points per $1Rewards Rate
    • 3xRewards Rate at Hotels
    • 3xRewards Rate on Groceries

  • Citi Rewards+ Card

    An excellent no-annual-fee rewards card with a 0% intro APR offer

    • ExcellentCredit Needed
    • $0Annual Fee
    • 1–2 Points per $1*Rewards Rate
    • 2xRewards Rate on Gas
    • 2xRewards Rate on Groceries

  • Capital One SavorOne Rewards

    A great no-annual-fee card that comes with rewards

    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 3% Cash Back*Rewards Rate
    • 3xRewards Rate on Entertainment
    • 2xRewards Rate on Groceries

  • Citi Double Cash Card

    A great no-annual-fee card that offers up to 2% cash back

    • ExcellentCredit Needed
    • $0Annual Fee
    • 2% Cash Back*Rewards Rate
    • 2xRewards Rate on Gas
    • 2xRewards Rate on Groceries

How We Rank Grocery Credit Cards

Our lists of the best credit cards are based on publicly available data from card issuers and other reputable sources like the Consumer Finance Protection Bureau (CFPB). We review each card's fees, interest rates, rewards, benefits and more to assign a rating for each feature. These ratings are stack ranked and weighted for each card category to determine our top selections for each type of user. Because card details change regularly, we revisit our data each month to update our ratings, recommendations and other card information as needed. Learn more about our data collection and ranking process.

Top Rating Criteria for Grocery Credit Cards

Credit Average Reward Rate on Gas
Annual Fee

Quick Tips for Comparing Grocery Credit Card Offers

Comparing grocery credit cards requires paying attention to multiple aspects. For instance, getting a credit card with reward miles might limit your options when it comes to redeeming your miles for rewards.

  • Creditworthiness: The best credit cards for groceries are typically made available for people with good to excellent credit scores. However, people with average/fair credit also get options from which to choose. These include the Capital One QuicksilverOne Rewards Card, the Credit One Bank Platinum Rewards Visa Card and the Petal 2 Visa Credit Card.
  • Reward earn rate: While some cards offer higher cash back/reward earn rates on grocery shopping, you need to determine if they come with annual limits. For example, the 6% cash back on groceries at U.S. supermarkets from the American Express Blue Cash Preferred Card applies only to the first $6,000 in grocery purchases each year. All the money you spend after this limit comes with 1% cash back. The Capital One SavorOne Rewards Card, on the other hand, lets you earn unlimited 3% cash back at grocery stores.
  • Annual fee: This aspect requires your attention if you don’t see yourself spending too much on groceries throughout the year. For example, if a 2% cash back card comes with a $99 annual fee, you’ll need to spend at least $4,950 on eligible purchases through the course of the year just to offset the fee. You'll have to spend even more to catch up to other cards that don't charge an annual fee.
  • APR: You need to look at a card’s annual percentage rate (APR) if you don’t plan to pay off your balances in full each month. If you’re going to keep revolving balances in your account, you might be better off focusing on low APR cards instead of a rewards credit card.
  • Introductory offers: The best grocery credit cards tend to come with spending-based introductory offers that let you earn reward points, miles or cash back. For example, a card might offer 20,000 reward points if you spend $1,500 on purchases within three months from account opening.
  • Added perks: Added perks that you may expect from different grocery rewards and cash back cards include statement credits toward payments to specific service providers, free additional cards, complimentary insurance coverage, travel-related benefits and extended warranties.
Best Grocery Credit Cards Compared at a Glance

See how the best grocery credit cards fare side by side and select one based on the specific type of card you’re after (cash back, points or miles), reward/cash back earn rates and annual fees.

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When selecting a grocery credit card that offers rewards, think about how much you'll spend each year. For some, it is better to pick a card with a lower bonus rate and no fee, instead of a card with a high bonus rate and an annual fee. -- Lee Huffman, credit card expert at

MoneyGeek's Quick Guide to Understanding Grocery Credit Cards

A grocery card lets you earn rewards or cash back when you spend money on purchasing groceries. Just like regular credit cards, grocery credit cards come with eligibility requirements that might be based on your creditworthiness and income.

Using a grocery credit card makes sense if you wish to make the most of your grocery spending by earning cash back or rewards. While some such cards offer rewards across all eligible grocery store purchases, a few others offer higher reward earn rates when you spend through particular supermarkets. Also keep in mind that although you may buy groceries at Walmart or Target, some credit cards exclude purchases from those stores from qualifying for grocery store bonus rewards.

How Do Grocery Credit Cards Work?

Grocery credit cards give cardholders the ability to earn points, cash back or miles when they spend on groceries. In many such cases, cards list groceries as a bonus category, through which you get to earn higher-than-usual rewards/cash back. Some grocery cards place caps on maximum spending amounts that qualify for higher earn rates per quarter or year. Depending on the card you get, it might come with other bonus categories such as gas, dining, entertainment and travel.

If you get a co-branded grocery card, the higher earn rate might apply only when you make purchases at the store in question. For example, the Capital One Walmart Rewards Card offers 5% cash back at; 2% cash back at Walmart stores, travel and restaurants; and 1% cash back on all other purchases. This is also the case with Costco credit cards by Citi that offer higher earn rates on Costco purchases than at other big-box retail or grocery stores.

While redeeming the cash back you earn through a grocery credit card is fairly simple, this is not necessarily the case with points or miles. For instance, if you get a co-branded credit card, you might have to redeem your rewards through the merchant in question.

What Stores Are Considered a Grocery Store for Credit Cards?

Stores that are considered grocery stores for credit cards vary based on any given card's issuer. For instance, while American Express excludes warehouse clubs and superstores such as Costco from the grocery store category, this is not the case with Bank of America cards.

  • This is an icon


    • American Express: U.S. supermarkets that offer food and household products
    • Bank of America: Supermarkets, grocery stores and wholesale clubs
    • Capital One: Supermarkets and grocery stores; meat locker, freezer and dairy product stores; and specialty markets
    • Chase: Supermarkets, grocery stores and stores that offer extensive lines of grocery products
    • Citi: Supermarkets and grocery stores
    • Discover: Supermarkets and grocery stores
  • This is an icon

    Not Considered

    • American Express: Convenience stores, specialty stores, superstores and warehouse clubs
    • Capital One: Superstores
    • Chase: Warehouse clubs, discount stores, drugstores, stores that specialize in a limited number of grocery products, grocery purchases made at gas stations and delivery service merchants
    • Citi: General merchandise/discount superstores, warehouse clubs, wholesale clubs, markets, freezer/meat locker stores, dairy product stores, miscellaneous food/convenience stores, drugstores, specialty vendors, meal kit delivery services and some online supermarkets
    • Discover: Warehouse clubs, superstores, discount stores, convenience stores, gas stations and purchases made via third-party payment apps/accounts

Are Grocery Store Credit Cards Worth It?

According to data released by Statista, the average U.S. household food expenditure stood at $7,316 in 2020. If you were to use a grocery credit card with 3% cash back, spending the average amount would earn you $219.48 as cash back. If you pay no annual fee toward this card and pay off your balances in full each month, all the cash back you earn is a bonus.

If you favor any one particular chain of stores over others, you might consider getting a co-branded grocery card to maximize your reward-earning potential. In such a scenario, you may benefit by using a cash back card with a flat or high earn rate for all other purchases. If you wish to earn higher rewards on gas purchases, too, you may look for a grocery card that also includes gas as a bonus category. The Citi Premier Card fits the bill of a good credit card for gas and groceries, given that it offers 3x points on both categories.

If you plan to get a grocery credit card with an annual fee, it would be worth your while only if you earn enough rewards/cash back to offset its cost. Grocery credit cards, like other rewards cards, tend to come with higher APRs than cards without rewards. As a result, if you plan to maintain revolving balances in your credit card account, you might benefit more by getting a low APR card.

How Can Points or Cash Back Earned from Grocery Purchases Be Used?

How you get to redeem the points or cash back you earn through a grocery credit card depends not just on your card provider but also on the specific card.

For instance, the Citi Premier Card and the Citi Rewards+ Card let you redeem your points for gift cards, travel rewards and for shopping online at or However, while you may transfer the points you earn through the Citi Premier Card to partner airline frequent flyer programs, this is not an option with the Citi Rewards+ Card.

Citi lets you redeem the cash back you earn through the Double Cash Card as a statement credit, a direct deposit or a check, and also lets you convert it to points. However, with the same bank’s Costco Anywhere Visa Card, you may get the cash back you earn as an annual credit card reward certificate. This certificate can be redeemed for cash or merchandise at Costco Warehouses in the U.S., including Puerto Rico.

You may redeem the cash back you earn through the SavorOne Rewards Card from Capital One in the form of a statement credit or a check. Setting up automatic redemptions is possible and is a convenient way to redeem cash back rewards. You may also use your cash back to shop at or via PayPal.

Expert Advice For Finding the Right Card

We’ve asked leading financial experts a few questions so you may be in a better position to select the best grocery store credit card according to your specific requirements.

  1. How do co-branded credit cards from Target, Sam's Club or Home Depot work at stores outside of the chains in question?
  2. What works better with grocery cards — cash back or reward points?
Dr. Christopher Newman
Dr. Christopher Newman

Associate Professor of Marketing at The University of Mississippi

FAQs About Grocery Credit Cards

Learning the answers to other commonly asked questions about grocery credit cards will help you easily select the card that works well for you.

Now that you know how grocery credit cards work, consider your spending habits and individual preferences before narrowing down on one that might work best for you. While you need to pay attention to the rewards or cash back you stand to earn, you also need to take into account factors such as annual fees, APRs and added benefits.

Next Steps

About the Author

Rajiv Baniwal has been writing about different financial topics for over 15 years. Meticulous in his research, he makes sure he provides accurate and up-to-date information. His areas of expertise include mortgages, personal loans, credit cards, insurance and international money transfers.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
Advertiser Disclosure: MoneyGeek has partnered with and for our coverage of credit card products. MoneyGeek, CardRatings and may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.