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Credit Cards for Groceries
Cards that pay a higher rate at supermarkets. Issuers often cap the amount that earns the top rate each year and define “supermarket” narrowly (warehouse clubs and superstores may not count).
Terms checked 30 September 2026 · read from issuer pages5Cards compared
2No annual fee
8Issuers
9Card types
📬21 daysMinimum to pay the bill
🔔45 daysNotice of rate rises
💳COMPARE SMARTER
🆓2No-annual-fee cards
🏛️8Issuers compared
| Card | Annual fee | Top rewards | Sign-up offer | APR | Foreign fee |
|---|---|---|---|---|---|
| American Express® Gold Card American Express · as of September 30, 2026 | $325 | 4X points — Restaurants worldwide (up to $50K per calendar year) | Amex advertises a welcome offer of “as high as” 100,000 Membership Rewards points after $8,000 in purchases in the first 6 months; offers vary and you may not be eligible | See issuer | None |
| Blue Cash Everyday® Card from American Express American Express · as of September 30, 2026 | $0 | 3% cash back — U.S. supermarkets (up to $6,000 per year, then 1%) | See issuer | 19.74% – 28.74% variable (after intro period) | See issuer |
| Blue Cash Preferred® Card from American Express American Express · as of September 30, 2026 | $95 | 6% cash back — U.S. supermarkets (up to $6,000 per year, then 1%) | $250 statement credit after you spend $3,000 in purchases on the new card within the first 6 months | 19.49% – 28.49% variable (after intro period) | See issuer |
| Citi Strata Premier® Card Citi · as of September 30, 2026 | $95 | 10 points per $1 — Hotels, car rentals and attractions booked on cititravel.com | See issuer | 20.24% – 28.24% variable, based on creditworthiness | None |
| Savor Rewards from Capital One Capital One · as of September 30, 2026 | $0 | 5% cash back — Hotels, vacation rentals and rental cars via Capital One Travel | $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening | 18.49% – 28.49% variable (after intro period) | None |
What to look for
- Check the yearly cap on the top grocery rate.
- Confirm whether warehouse clubs and superstores are included.
- Compare the annual fee with the extra rewards you would earn on your grocery spending.
Cards are listed alphabetically, not ranked. See all cards.
Figures come from each issuer’s page (see the card page for the source link) and were checked on the date shown. Offers, rates and eligibility change often and the issuer’s terms control. “See issuer” = not shown on the issuer page we read. FinancePortal is not a card issuer and does not receive payment for the order of this list.