Best Cards for Groceries
Maximize rewards on your supermarket spending with the right card.
Groceries are typically one of the largest monthly expenses. The best grocery cards earn 3-6% back, but spending caps and annual fees mean the right choice depends on how much you spend.
Top Picks
Amex Gold
American Express
$250/year
Best for high spenders — 4x on up to $25,000/year at U.S. supermarkets
Blue Cash Preferred
American Express
$95/year
Highest rate — 6% on up to $6,000/year, then 1%
Blue Cash Everyday
American Express
$0
Best no-fee option — 3% on up to $6,000/year
Capital One SavorOne
Capital One
$0
No cap on grocery rewards, plus 3% on dining and entertainment
Tips
Walmart, Target, and Costco typically don't code as supermarkets — check your card's merchant category definitions.
If you spend over $500/mo on groceries, the Amex Gold's 4x with no practical cap often beats the BCP's 6% with a $6K cap.
Pair a grocery card with a good base-rate card for non-grocery spend to maximize total rewards.
Find Your Complete Optimal Setup
These are great cards for groceries, but the best combination depends on your total spending across all categories. The optimizer evaluates every possible combination to find the mathematically proven best setup.
Run the Optimizer — FreeExplore Other Categories
Card rates, fees, and benefits shown are accurate as of February 8, 2026. Terms may change — always verify current details with the card issuer before applying.