The 7 Best Credit Cards for Grocery Purchases in 2019

Save Some Cash When Shopping for Food

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If groceries are one of your biggest monthly expenses, having a credit card that pays higher rewards on grocery purchases is a must-have. The best credit cards pay up to 6% cash back on your grocery purchases and allow you to earn rewards on your other credit card purchases, too; you may find yourself using one credit card for everything to maximize the number of rewards you can earn. Each of the credit cards on our list pays a signup bonus if you meet the minimum spending in the first three months of opening your credit card. Our list includes:

  • Best Overall: Blue Cash Preferred from American Express
  • Runner-Up, Best Overall: Blue Cash Everyday Card from American Express
  • Best for Amazon Prime Members: Amazon Prime Rewards Visa
  • Best for Bank of America Customers: Bank of America Cash Rewards Credit Card
  • Best for Unlimited Rewards: Capital One Savor
  • Best for Military: PenFed Platinum Rewards Visa Signature
  • Best Flat-Rate Rewards: Chase Freedom Unlimited

Keep in mind that interest rates tend to be higher on rewards credit cards. Because of that, you’ll want to pay your balance in full each month to avoid costly finance charges that can dampen the benefits of the rewards you earn on grocery purchases. With that said, read on to see which credit cards you should swipe the next time you pick up milk and eggs at the store.

01
Best Overall: Blue Cash Preferred from American Express

Courtesy of American Express 

What we like: The Blue Cash Preferred American Express pays 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases. Keep your shopping to U.S. supermarkets only – 

On top of the rewards you earn on groceries, you’ll also earn 3% cash back at U.S. gas stations, 6% back on select US streaming services, 3% back on ground transportation, and 1% cash back on everything else. Grocery purchases above $6,000 in a calendar year will earn 1%.

The Blue Cash Preferred from American Express comes with a generous signup bonus. Spend $1,000 in the first three months of having your credit card and you’ll earn a $250 statement credit.

What we don't like: Grocery purchases at warehouse clubs, superstores, corner stores and specialty food stores don’t qualify for the 6% category and will instead earn rewards at the base rate of 1%.

  • Minimum Credit Required: Good
  • Annual Fee: $95
  • Intro APR: 0% on purchases and balance transfers for 12 months
  • Ongoing APR: 14.99% to 25.99% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: 2.7% of the amount after conversion to U.S. dollars
  • Welcome Offer: $250 back when you spend $1,000 on purchases in the first three months

View details about this credit card

02
Runner-Up, Best Overall: Blue Cash Everyday Card from American Express

Blue Cash Preferred from American Express
Courtesy of American Express

What we like: The Blue Cash Everyday Card from American Express also pays great rewards on grocery purchases, but without the $95 annual fee. Your grocery purchases will earn 3% cash back on up to $6,000 per year.

The Blue Cash Everyday Card from American Express also pays 2% cash back at U.S. gas stations and select departments and 1% cash back on everything else. Grocery purchases over $6,000 in a calendar year will earn 1% cash back.

You can earn a $150 bonus statement credit by spending $1,000 in the first three months of having your credit card.

What we don't like: Like the Preferred version of the Blue Cash Amex, you’ll have to make your grocery purchases at U.S. supermarkets to qualify for 3% cashback rewards.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: 0% on purchases and balance transfers for 15 months
  • Ongoing APR: 14.99% to 25.99% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: 2.7% of the amount after conversion to U.S. dollars
  • Welcome Offer: $150 back after you spend $1,000 on purchases in the first three months

03
Best for Amazon Prime Members: Amazon Prime Rewards Visa

Amazon Prime Rewards Visa
Courtesy of Amazon

What we like: New cardholders get a $70 Amazon.com gift card upon approval, with no wait times and no minimum spending requirement. 

Heavy Amazon shoppers have the most to gain from the Amazon Prime Rewards Visa. You'll earn 5% back on Whole Foods Market and Amazon.com purchases – with no cap. On top of that, you’ll earn 2% back at restaurants, gas stations and drugstores, and 1% back on everything else.

If Prime Pantry is available in your area, use your Amazon Prime Rewards Visa to earn 5% cash back on those purchases.

You can redeem your rewards in any amount on eligible purchases at Amazon.com.

What we don't like: You can redeem your rewards for cash back, but there's a minimum redemption of 2,000 points.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: None offered
  • Ongoing APR: 16.49% to 24.49% variable
  • Balance Transfer Fee: $5 or 5% of the transfer amount
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup Bonus: $70 Amazon.com Gift Card upon approval

View details about this credit card.

04
Best for Bank of America Customers: Bank of America Cash Rewards Credit Card

Bank of America Cash Rewards Credit Card
Courtesy of Bank of America

What we like: The Bank of America Cash Rewards Credit Card's tiered rewards program lets you choose among six different categories, including gas and dining, to earn 3% rewards. As for groceries, you'll earn 2% on purchases at both grocery stores and wholesale clubs. That's a plus since most of the rewards credit card exclude wholesale clubs from the higher earning rewards category. All your other purchases earn 1% cash back.

Spend $1000 in the first three months of opening your account and you can earn a $200 signup bonus.

Being a Bank of America customer allows you to boost your rewards. With a bank or investment account with Bank of America or Merrill Lynch, you can earn up to 75% bonus on your rewards depending on the balance you maintain in your account.

What we don't like: Higher rewards are capped at $2,500 each quarter for dining and wholesale club purchases combined with your choice category.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: 0% on purchases and balance transfers for 15 billing cycles
  • Ongoing APR: 16.24% to 26.24% variable
  • Balance Transfer Fee: $10 or 3% of the transfer amount
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup Bonus: 3% of the purchase amount in U.S. dollars

View details about this credit card.

05
Best for Unlimited Rewards: Capital One Savor

What we like: The newest rewards credit card from Capital One, the Savor, pays great rewards on food purchases including groceries. While most rewards credit cards limit the amount you can earn in the best paying categories, the Capital One Savor allows you to earn an unlimited number of rewards. You'll earn 2% on purchases including groceries.

You’ll also earn 4% on dining and entertainment and 1% on all other purchases. Plus, you can earn 8% cash back on tickets at Vivid Seats through May 2020.

What we don't like: The minimum spend for signup bonus is relatively steep. You'll have to spend $3,000 in the first three months to earn $300 cash bonus. 

  • Minimum Credit Required: Good
  • Annual Fee: $95 waived in the first year
  • Intro APR: None offered
  • Ongoing APR: 16.74% to 25.74% variable
  • Balance Transfer Fee: None for transfers made at the regular APR
  • Cash Advance Fee: $10 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup Bonus: $300 after spending $3,000 on purchases in the first three months

View details about this credit card.

06
Best for Military: PenFed Platinum Rewards Visa Signature

PenFed Platinum Rewards
Courtesy of PenFed

What we like: The PenFed Platinum Rewards Visa Signature Card pays points that you can redeem for cash back, gift cards, travel and more. You’ll earn three points for every dollar you spend on groceries and military commissaries. In addition, you’ll earn five points for every dollar you spend on gas and one point for every dollar you spend everywhere else.

While it's ideal to pay your balance in full on a rewards credit card, the low interest rate means carrying a balance would be less expensive than with other credit cards.

Taking out a cash advance is far less expensive compared to other credit cards. There's no fee on cash advances and the regular APR is applied to the cash advance amount.

What we don't like: You must be a member of PedFed Credit Union to qualify for the credit card. You can join if you serve in the U.S. military or Uniformed Services, are a U.S. government employee, or you're related to someone who is.

  • Minimum Credit Required: Excellent
  • Annual Fee: None
  • Intro APR: 0% on balance transfers for 12 months
  • Ongoing APR: 11.99% to 17.99% variable
  • Balance Transfer Fee: 3%
  • Cash Advance Fee: None
  • Foreign Purchase Transaction Fee: None
  • Signup Bonus: $100 after spending $1,500 on purchases in the first 90 days

Important Pricing: The regular APR for purchases and cash advances is from 11.74% to 17.99% based on your creditworthiness.

View details about this credit card.

07
Best Flat Rate Rewards: Chase Freedom Unlimited

What we like: Rather than earn a traditional signup bonus, The Chase Freedom Unlimited pays 3% cash back on all purchases in your first year on up to $20,000 spent. After, earn unlimited 1.5% cash back on all purchases.

Since the Freedom Unlimited doesn’t have any tiered rewards structure, you can easily earn rewards on groceries and all your other purchases without having to keep up rewards categories or worrying about a rewards threshold. 

What we don't like: You'll get the most value from the credit card in the first year. In year two and beyond, you may get better rewards with a credit card that pays more on grocery purchases.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: 0% on purchases and balance transfers for 15 months
  • Ongoing APR: 17.24% to 25.99% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $10 or 5% of the cash advance amount
  • Foreign Purchase Transaction Fee: 3% of the amount in U.S. dollars
  • Signup Bonus: None offered

View details about this credit card.

About Our Reviews

We are committed to researching and recommending the best financial solutions and products for our readers. The Balance has partnered with CardRatings and may receive commissions from links within our content, but these have no bearing on our reviews or recommendations. The above content has not been reviewed, endorsed, or approved by any card issuers prior to publishing.