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Grocery shopping is one of the most consistent expenses in any household, but with the right credit card, you can transform this routine activity into a rewarding experience. Whether you’re stocking up on essentials or preparing for a family gathering, there’s a card designed to help you earn valuable rewards on your purchases. Below, we explore the top credit cards that offer remarkable benefits for grocery shopping, each crafted to suit different lifestyles and spending habits.
- 1. Chase Freedom Flex: Earn 5% Cash Back on Grocery Purchases
- 2. American Express Gold Card: 4x Points on Dining and Groceries
- 3. Discover it® Cash Back: Rotating Categories with Cashback Match
- 4. Capital One SavorOne Rewards Credit Card: 3% Cash Back on Dining and Groceries
- 5. Citi® Double Cash Card: 2% Cash Back on All Purchases
- 6. Blue Cash Preferred® Card from American Express: 6% Cash Back on U.S. Supermarket Purchases
- 7. Wells Fargo Propel American Express® Card: 3x Points on Everyday Purchases
- 8. Bank of America® Customized Cash Rewards Credit Card: 3% Cashback on Groceries
- 9. Target RedCard™ Debit or Credit Cards: 5% Off on Every Purchase
- 10. Amazon Prime Rewards Visa Signature Card: 5% Back on Amazon and Whole Foods Purchases
- Summary
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1. Chase Freedom Flex: Earn 5% Cash Back on Grocery Purchases
The Chase Freedom Flex card is a standout option for those looking to earn high rewards on grocery spending. With the ability to earn 5% cashback on grocery purchases (up to $12,000 annually), it stands out for its robust rewards structure. This card offers the perfect balance between everyday spending and higher-value rewards, making it ideal for families or individuals who frequently visit the grocery store.
Key Benefits:
- No Annual Fee: Enjoy rewards without the added cost of an annual fee.
- Flexible Reward Categories: Earn 5% on rotating categories, including groceries, and 1% on other purchases.
- Effortless Redemption: Easily redeem points for statement credits or gift cards.
2. American Express Gold Card: 4x Points on Dining and Groceries
For those who savor both fine dining and home-cooked meals, the American Express Gold Card offers an exceptional rewards program. Earn 4x points on purchases at restaurants and U.S. supermarkets (up to $25,000 annually). This card is a perfect choice for individuals who appreciate quality food and want to maximize their rewards from dining out or stocking up on groceries.
Key Benefits:
- Flexible Point Redemption: Use points for travel, gift cards, or dining experiences.
- No Annual Fee in the First Year: Enjoy premium perks without the initial financial commitment.
- Exclusive Offers: Access to special promotions through American Express’s extensive network.
3. Discover it® Cash Back: Rotating Categories with Cashback Match
The Discover it® Cash Back card stands out due to its unique rotating category feature, allowing cardholders to earn impressive cashback on grocery purchases during select quarters. Furthermore, new cardholders are offered a Cashback Match, meaning all the cashback you earn in your first year is doubled. This generous program ensures that your grocery shopping rewards grow rapidly.
Key Benefits:
- Rotating Categories: Earn 5% on groceries during specific quarters.
- Cash Back Match: Discover will match all cashback earned in the first year.
- No Annual Fee: Enjoy cashback rewards without the burden of an annual fee.
4. Capital One SavorOne Rewards Credit Card: 3% Cash Back on Dining and Groceries
The Capital One SavorOne Rewards Credit Card is a fantastic option for individuals who appreciate a simple, straightforward cashback program. Offering 3% cash back on dining and grocery purchases, this card is ideal for those who love good food, whether dining out or cooking at home. The card also provides 1% cash back on other purchases, allowing you to reap rewards on all types of spending.
Key Benefits:
- Unlimited 3% Cashback: Earn 3% on dining and groceries, without worrying about rotating categories.
- No Annual Fee: Enjoy rewards without an annual charge.
- Introductory Bonus: Earn a generous bonus if spending requirements are met in the first few months.
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5. Citi® Double Cash Card: 2% Cash Back on All Purchases
For those who prefer simplicity, the Citi® Double Cash Card provides a straightforward rewards system. Earning 1% cash back when you make a purchase and an additional 1% when you pay your bill, this card is an excellent choice for everyday spending, including groceries. It provides excellent returns without the complexity of rotating categories or special requirements.
Key Benefits:
- 2% Cash Back on Every Purchase: Earn 1% when you buy and 1% when you pay your bill.
- No Spending Categories: Enjoy rewards on all purchases, including groceries, without tracking categories.
- No Annual Fee: No hidden costs, just solid cashback.
6. Blue Cash Preferred® Card from American Express: 6% Cash Back on U.S. Supermarket Purchases
For those who frequently shop for groceries, the Blue Cash Preferred® Card from American Express offers the highest reward rate in the category. You’ll earn 6% cash back on U.S. supermarket purchases, up to $6,000 per year. Additionally, the card offers 3% cash back on transit and 1% on all other purchases, making it an excellent all-around option for maximizing savings.
Key Benefits:
- 6% Cash Back on Groceries: The highest cash back rate for supermarket purchases.
- Additional Benefits: 3% cash back on transit, including taxis, parking, and public transportation.
- No Annual Fee in First Year: A great perk to start enjoying without upfront costs.
7. Wells Fargo Propel American Express® Card: 3x Points on Everyday Purchases
The Wells Fargo Propel American Express® Card offers one of the most well-rounded rewards programs, perfect for those who want to earn 3x points on a variety of categories, including grocery stores. With no annual fee, this card allows you to earn strong rewards without any added expense. Points can be redeemed for travel, gift cards, or statement credits, offering flexibility in how you use your rewards.
Key Benefits:
- 3x Points on Multiple Categories: Earn 3x points on groceries, gas stations, and select streaming services.
- No Annual Fee: Enjoy all the benefits without the cost.
- Versatile Redemption: Use your points for travel or cash back.
8. Bank of America® Customized Cash Rewards Credit Card: 3% Cashback on Groceries
The Bank of America® Customized Cash Rewards Credit Card provides exceptional flexibility by allowing you to choose your 3% cashback category. If groceries are your preferred category, you can easily earn enhanced rewards each time you shop. This card also offers 2% cash back on purchases at wholesale clubs and grocery stores (up to $2,500 in combined spending per quarter).
Key Benefits:
- Customizable Cashback Categories: Choose groceries for a consistent 3% cashback rate.
- 2% Cashback on Wholesale Clubs and Grocery Stores: Maximize savings during the quarter.
- No Annual Fee: Enjoy rewards without the hassle of additional costs.
9. Target RedCard™ Debit or Credit Cards: 5% Off on Every Purchase
For those who frequently shop at Target, the Target RedCard™ is a must-have. Offering 5% off every purchase, including groceries, the RedCard™ is an effortless way to save while shopping for everyday essentials. Whether you use the debit or credit version, this card ensures you receive instant discounts, making it an ideal option for frequent shoppers.
Key Benefits:
- Instant 5% Discount: Apply your RedCard™ at checkout for immediate savings.
- No Annual Fee: Enjoy perks without any extra costs.
- Extended Return Periods: Enjoy longer periods to return purchases made with your RedCard™.
10. Amazon Prime Rewards Visa Signature Card: 5% Back on Amazon and Whole Foods Purchases
For Amazon Prime members, the Amazon Prime Rewards Visa Signature Card provides a remarkable 5% back on Amazon and Whole Foods purchases. Given the popularity of online shopping and the increasing availability of groceries through Amazon, this card is an ideal way to maximize your rewards while purchasing everyday items.
Key Benefits:
- 5% Back on Amazon and Whole Foods: Earn generous rewards when shopping for groceries and other essentials.
- No Foreign Transaction Fees: Perfect for those who shop internationally or travel often.
- 2% Back at Restaurants and Gas Stations: Enjoy flexible rewards across several categories.
Summary
Each of these credit cards offers something unique to grocery shoppers, whether you’re looking for cashback, points, or discounts. By carefully choosing the right card for your spending habits, you can maximize the rewards on your everyday purchases, making your grocery shopping experience far more rewarding.

Reviewed and edited by Albert Fang.
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Article Title: Best Credit Cards for Groceries
https://fangwallet.com/2025/08/04/best-credit-cards-for-groceries/
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