Best Credit Cards for Groceries of August 2026 - NerdWallet

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6 Best Credit Cards for Groceries of August 2026

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Written by

Jae Bratton

Jae BrattonLead Writer & Content Strategist

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Jae Bratton has been writing about credit cards for NerdWallet since 2022. Her work has been published in The Washington Post, the Los Angeles Times, The Associated Press and the journal Studies in Popular Culture, among other outlets. Before joining NerdWallet, Jae taught English and journalism for 13 years.

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Reviewed by

Caitlin Mims

Caitlin MimsEditor & Content Strategist

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Caitlin Mims is an editor covering credit cards and travel rewards. Before joining NerdWallet, she was an editor at CreditCards.com and Bankrate. Caitlin has written about personal finance for nine years and has also covered credit scores, retirement planning and the financial challenges women face.

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Edited by

Kenley Young

Kenley YoungManaging Editor

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Kenley Young directs daily credit cards coverage for NerdWallet. Previously, he was a homepage editor and digital content producer for Fox Sports, and before that a front page editor for Yahoo. He has decades of experience in digital and print media, including stints as a copy desk chief, a wire editor and a metro editor for the McClatchy newspaper chain.

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Last updated on August 5, 2026

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Written by

Jae Bratton

Jae BrattonLead Writer & Content Strategist

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Credit cards

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+ 2 more

Last updated on August 5, 2026

Reviewed by

Caitlin Mims

Caitlin MimsEditor & Content Strategist

Expertise

Credit cards

Travel

Credit scores

See full bio

Edited by

Kenley Young

Kenley YoungManaging Editor

Expertise

Credit cards

Credit scores

See full bio

Fact Checked

Editorial integrity

NerdWallet is committed to editorial integrity

Households with big grocery bills can save hundreds of dollars a year by using a credit card that pays elevated rewards at the supermarket. If you spend $100 a week on groceries, using a card that earns 3% will net you more than $150 a year. Imagine saving that kind of money at checkout — without even needing to clip coupons! You can do it with these cards. And in some cases, rewards rates apply to grocery delivery, too.

What matters most in a credit card for groceries

Food is the biggest item in the typical household budget outside of housing and transportation, so groceries is the rare category where just about anyone can justify getting a dedicated credit card just for that spending. When shopping for a grocery credit card, look for the highest rewards rate you can find with an annual fee you can tolerate. Most cards discussed on this page don't charge annual fees; those that do charge a fee make up for it with significantly higher rewards and additional perks.

Credit card issuers offer high rewards on groceries in an attempt to become your "top-of-wallet" card — the one you use everywhere. So the best credit cards for groceries tend to also earn rewards in other popular household categories, including restaurants, travel, online shopping, gas and transit, entertainment and streaming services. The right card for you will offer a combination of rewards categories that suits your usual spending, whether you have a long commute, a lot of streaming subscriptions or a thrice-weekly takeout habit.

Before signing up, though, be aware that most cards specifically exclude superstores (like Walmart and Target) and wholesale clubs (like Costco and Sam's Club) from their grocery category. If that's where you do the bulk of your grocery shopping, you'll be better off with a different option. Alternatives include cards that specifically include those merchants, a store card for the grocery brand where you shop, or a card that earns a flat 2% back on all purchases, no matter where you use it. The latter option is also a good choice if your food spending leans toward corner stores, drugstores and other merchants that card issuers might not recognize as grocery stores.

How NerdWallet chose these grocery credit cards

You can easily find credit cards that pay 2% on everything. So when you're talking about groceries — or really any credit card bonus category — "elevated" rewards generally means a rate above 2%. For this page, we chose cards. that offer at least 3% on all grocery spending or at least 5% at specific merchants that sell groceries. We're also focused on cards with appeal to all U.S. consumers, so we did not include cards for individual supermarket chains, which tend to be local and regional in nature. Finally, we did include a 2% flat-rate option because, as discussed, there are many places that sell groceries but do not count as "grocery stores" as far as credit card issuers are concerned. Learn more about our picks or see more about our methodology.

Expert tip: Why a dedicated card for groceries is worth it

Sara Rathner, lead credit cards writer/spokesperson: "There are other ways to save on groceries, like clipping coupons, poring over weekly store circulars for sales, doing math in store aisles, or driving to multiple stores to score the best prices. But a credit card that earns a high rewards rate on groceries is one of the lowest-effort things you can do to save. When you combine a rewards card with coupons and sales, you can make a meaningful dent in ever-increasing food costs.”

Bigger bonus offer — limited time

Why this card stands out

Capital One has sweetened the deal for new cardholders: For a limited time, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening. That's a $50 boost over the card's previous offer.

2026Best credit card for dining

Capital One Savor Cash Rewards Credit Card

NerdWallet rating

5.0

Add to compare

Apply Nowon Capital One's website

on Capital One's website

Rates & Fees

Annual fee

Rewards rate

1%-8%

Cashback

Intro offer

$250

Recommended credit score

690-850(Good - Excellent)

Get your free credit score

Purchase intro APR

0% intro on purchases for 12 months

Balance transfer intro APR

0% intro on balance transfers for 12 months; balance transfer fee applies

Regular APR

18.49%-28.49% Variable APR

Rewards breakdown

Cash back on Capital One Entertainment purchases.

Cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.

Cash back on dining.

Cash back on entertainment.

Cash back on popular streaming services.

Cash back at grocery stores (excluding superstores like Walmart® and Target®).

Cash back on all other purchases.

Card details

For a limited time, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
- View Rates & Fees

NerdWallet's take

If your food expenses include as many trips to restaurants and takeout joints as to the grocery store, the Capital One Savor Cash Rewards Credit Card makes a good companion. You’ll earn unlimited 3% cash back on dining, grocery stores and entertainment. Rewards on $5,000 a year in grocery store spending: $150.

Pros

No annual fee
- Intro APR period
- Bonus categories
- No foreign transaction fees

Cons

If you don't dine out much, you'll miss out on a big chunk of this card's value.
If you dine out significantly more than you eat in, you may be better off with a card that pays a higher rate at restaurants than on groceries.

Read full review

2026Best credit card for groceries

Blue Cash Preferred® Card from American Express

NerdWallet rating

5.0

Add to compare

Apply Nowon American Express' website

on American Express' website

Rates & Fees

Annual fee

$0 intro annual fee for the first year, then $95.

Rewards rate

1%-6%

Cashback

Intro offer

As High as $300 cash back. Find Out Your Offer.

Recommended credit

Good - Excellent

Get your free credit score

Purchase intro APR

0% intro APR on purchases for 12 months from the date of account opening

Balance transfer intro APR

0% intro APR on balance transfers for 12 months from the date of account opening

APR

19.49%-28.49% Variable APR

Rewards breakdown

Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

Cash Back on select U.S. streaming subscriptions.

Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

Cash Back on other purchases.

Card details

Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- View Rates & Fees

NerdWallet's take

A NerdWallet Best-Of Award winner 10 years running, the Blue Cash Preferred® Card from American Express remains the industry champ, with top-notch rewards not only at the supermarket, but also in other common spending categories. Rewards on $5,000 a year in U.S. supermarket spending: $300.

Pros

Grocery rewards: 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending.
Other rewards: 6% cash back on select U.S. streaming subscriptions; 3% at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% on all other purchases.
New cardholders get this nifty offer: You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply. Plus, there's a good 0% intro APR offer.
Terms apply.

Cons

There's an annual fee: $0 intro annual fee for the first year, then $95. But if you spend around $31 per week at the supermarket, you'll make that up in cash back — and that's not even taking into account rewards earned in the card's other bonus categories.
The annual cap on the 6% rewards rate at U.S. supermarkets hasn't changed in several years, even as grocery prices have risen, so more and more families will likely hit the cap.

Read full review

2026Best 0% APR credit card for purchases

Blue Cash Everyday® Card from American Express

NerdWallet rating

4.9

Add to compare

Apply Nowon American Express' website

on American Express' website

Rates & Fees

Annual fee

Rewards rate

1%-3%

Cashback

Intro offer

As High as $200 cash back. Find Out Your Offer.

Recommended credit

Good - Excellent

Get your free credit score

Purchase intro APR

0% intro APR on purchases for 15 months from the date of account opening

Balance transfer intro APR

0% intro APR on balance transfers for 15 months from the date of account opening

APR

19.49%-28.49% Variable APR

Rewards breakdown

Cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%).

Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%).

Cash Back at U.S. gas stations (up to $6,000 per year, then 1%).

Cash Back on other purchases.

Card details

Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- View Rates & Fees

NerdWallet's take

The no-annual-fee option in the Blue Cash portfolio, the Blue Cash Everyday® Card from American Express offers solid rewards at U.S. supermarkets and in other common spending categories. Terms apply. Rewards on $5,000 a year in U.S. supermarket spending: $150.

Pros

Grocery rewards: 3% cash back at U.S. supermarkets, on up to $6,000 a year in spending; 1% after that.
Other rewards: 3% cash back at U.S. gas stations and on U.S. online retail purchases (on up to $6,000 in spending per year in each category; 1% after that); 1% on other purchases.
This card comes with a great 0% intro APR period, plus a welcome offer: You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
$0 annual fee.
Terms apply.

Cons

If you spend at least $61 per week at the supermarket, you may be better off paying the annual fee on the Blue Cash Preferred® Card from American Express because you'll come out ahead with the much higher rewards rate.
The annual cap on the 3% rewards rate at U.S. supermarkets hasn't changed in several years, even as grocery prices have risen, so more and more families will likely hit the cap.

Read full review

Our pick for: 2% cash back on everything

Citi Double Cash® Card

NerdWallet rating

4.9

Add to compare

Apply Nowon Citibank's application

on Citibank's application

Rates & Fees

Annual fee

Rewards rate

2%-5%

Cashback

Intro offer

$200

Recommended credit score

690-850(Good - Excellent)

Get your free credit score

Balance transfer intro APR

0% intro APR on balance transfers for 18 months

Regular APR

17.49%-27.49% Variable APR

Rewards breakdown

Cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Card details

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- View Rates & Fees

NerdWallet's take

Not interested in carrying a special card just for groceries? The Citi Double Cash® Card is a great one-card solution. It earns 2% back on all purchases — 1% when you make a purchase and 1% back when you pay it off. Rewards on $5,000 a year in grocery store spending: $100.

Pros

Grocery rewards: 2% cash back, delivered as 1% when you make a purchase and 1% when you pay it off.
Other rewards: The same 2%, paid as 1% + 1%, for most purchases. Certain travel purchases booked through Citi can earn 5%.
This card's simplicity is its not-so-secret weapon: No bonus categories to contend with or spending caps to worry about.
$0 annual fee.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Cons

Unlike many other top-tier cash back cards, this offer doesn't include a 0% intro APR period for purchases.
The card's 1% + 1% structure means it can take a little longer to earn your rewards than it would with a straight-up 2% cash back card.

Read full review

Our pick for: Travel rewards

Citi Strata Premier® Card

NerdWallet rating

4.9

Add to compare

Apply Nowon Citibank's application

on Citibank's application

Rates & Fees

Annual fee

$95

Rewards rate

1x-10x

Points

Intro offer

60,000

points

Regular APR

19.49%-27.49% Variable APR

Recommended credit score

690-850(Good - Excellent)

Get your free credit score

Rewards breakdown

10x

Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.

Points per $1 on Air Travel.

Points per $1 on Hotels.

Points per $1 spent at Supermarkets.

Points per $1 spent at Gas Stations.

Points per $1 spent at Restaurants.

Point per $1 spent on all other purchases.

Card details

Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
- View Rates & Fees

NerdWallet's take

The Citi Strata Premier® Card is the rare travel rewards credit card that pays a high rate on everyday non-travel spending, with 3X points in a bunch of categories, including supermarkets. Rewards on $5,000 a year in grocery spending: $150 (assuming 1 cent per point redemption value).

Pros

Grocery rewards: 3 points per dollar spent at supermarkets.
Other rewards: 3 points per dollar at gas stations and restaurants; 3 points per dollar on air travel and most hotels; 10 points per dollar on select travel purchased through Citi's travel portal; 1 point per dollar on other purchases.
Points can be redeemed at a value of 1 cent apiece for cash back or for travel booked through Citi; points can also be transferred to partner airline and hotel programs.
Solid new-cardholder offer: Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

Cons

The card has an annual fee of $95. That's standard for travel cards in its class, and a great deal for what you get, but might be too much if you're looking for a just-for-groceries card.

Read full review

Our pick for: Travel perks

American Express® Gold Card

NerdWallet rating

4.4

Add to compare

Apply Nowon American Express' website

on American Express' website

Rates & Fees

Annual fee

$325

Rewards rate

1x-5x

Points

Intro offer

As High As 100,000 Points. Find Out Your Offer.

APR

See Pay Over Time APR

Recommended credit

Good - Excellent

Get your free credit score

Rewards breakdown

Points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.

Points when you dine at restaurants worldwide.

Points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).

Points for Uber Eats purchases made at restaurants or U.S. supermarkets (after using your $120 in Uber Cash)

Points on flights booked directly with airlines or on amextravel.com.

Points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.

Point on all other eligible purchases.

Card details

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- View Rates & Fees

NerdWallet's take

The American Express® Gold Card earns strong rewards on your food dollars, whether you prefer to dine out, eat in or both. There's a sizable annual fee, however. Rewards on $5,000 a year in U.S. supermarket spending: $200 (assuming redemption value of 1 cent per point).

Pros

Grocery rewards: 4X points at U.S. supermarkets, on up to $25,000 per year in purchases.
Other rewards: 5X points on prepaid hotel stays booked through American Express Travel; 4X points at restaurants; 3X on flights booked directly with airlines or with American Express Travel; 2X on select travel; 1X on other eligible purchases.
There's a strong welcome offer: You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. Terms Apply.
The card also comes with a slew of perks that can help offset its annual fee.
Terms apply.

Cons

The $325 annual fee is steep. This card is for someone who spends a lot on groceries AND likes to travel. If you don't travel much, the annual fee isn't worth it, so forget the 4X points and look elsewhere.

Read full review

Compare the Best Groceries Credit Cards

Credit card	Rating	Annual fee	Rewards rate	Intro offer	Learn more
2026Best credit card for dining Capital One Savor Cash Rewards Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	5.0/5 Best for Grocery + dining rewards	$0	1%-8% Cashback	$250	Apply Nowon Capital One's website on Capital One's website Rates & Fees
2026Best credit card for groceries Blue Cash Preferred® Card from American Express Apply Nowon American Express' website on American Express' website Rates & Fees	5.0/5 Best for Highest rewards rate	$0 intro annual fee for the first year, then $95.	1%-6% Cashback	As High as $300 cash back. Find Out Your Offer.	Apply Nowon American Express' website on American Express' website Rates & Fees
2026Best 0% APR credit card for purchases Blue Cash Everyday® Card from American Express Apply Nowon American Express' website on American Express' website Rates & Fees	4.9/5 Best for High cash back + online shopping rewards	$0	1%-3% Cashback	As High as $200 cash back. Find Out Your Offer.	Apply Nowon American Express' website on American Express' website Rates & Fees
Citi Double Cash® Card Apply Nowon Citibank's application on Citibank's application Rates & Fees	4.9/5 Best for 2% cash back on everything	$0	2%-5% Cashback	$200	Apply Nowon Citibank's application on Citibank's application Rates & Fees
Citi Strata Premier® Card Apply Nowon Citibank's application on Citibank's application Rates & Fees	4.9/5 Best for Travel rewards	$95	1x-10x Points	60,000 points	Apply Nowon Citibank's application on Citibank's application Rates & Fees
American Express® Gold Card Apply Nowon American Express' website on American Express' website Rates & Fees	4.4/5 Best for Travel perks	$325	1x-5x Points	As High As 100,000 Points. Find Out Your Offer.	Apply Nowon American Express' website on American Express' website Rates & Fees

More about our picks: Best credit cards for groceries

Everyone needs to eat, so everyone could benefit from a credit card that saves money on groceries. But which particular card is right for you depends on your specific needs and preferences. Some people are after the highest rewards rate possible; some want the highest rewards they can get without paying an annual fee; some want grocery rewards plus additional categories; some want travel points rather than cash back. No single grocery card is the best option for everyone; however, every card on this page is, in our opinion, the best for a specific kind of consumer. This is not a ranked list ordered from best to worst; it's a roundup of all the best options.

Below, we dive a little deeper on the cards featured on this page — what makes them stand out and what kind of cardholder would benefit most from them. If you're still unsure about your decision, this additional context may help.

BEST CREDIT CARDS FOR GROCERIES OF AUGUST 2026

Blue Cash Preferred® Card from American Express: Our pick for highest rewards rate
Capital One Savor Cash Rewards Credit Card: Our pick for grocery + dining rewards
Blue Cash Everyday® Card from American Express: Our pick for high cash back + online shopping rewards
Citi Double Cash® Card: Our pick for 2% cash back on everything
Citi Strata Premier® Card: Our pick for travel rewards
American Express® Gold Card: Our pick for travel perks
Instacart Mastercard®: Our pick for grocery delivery
Prime Visa: Our pick for Amazon and Whole Foods

Blue Cash Preferred® Card from American Express

Our pick for: Highest rewards rate

The Blue Cash Preferred® Card from American Express stands out for its high rewards rates across a range of common household spending categories. NerdWallet has dubbed it the "ultimate family card" for that very reason. The rates it pays at U.S. supermarkets and on select U.S. streaming subscriptions are among the richest of any card on the market, and you also get strong cash back at U.S. gas stations and on transit. If you spend a lot of money in these categories — whether you have a family or not — the card merits serious consideration. Note the key phrase there: "a lot of money." Unlike most cash back cards, this one charges an annual fee, so it's not for those who intend to use it for a few purchases here and there. But if you do have big grocery, commuting or streaming bills, you can break even quickly and start racking up serious cash back. Terms apply. Read our review of the Blue Cash Preferred® Card from American Express.

» For an alternative with no annual fee (terms apply): Blue Cash Everyday® Card from American Express

Capital One Savor Cash Rewards Credit Card

Our pick for: Grocery + dining rewards

The Capital One Savor Cash Rewards Credit Card is a perfect fit for many modern families’ spending habits, earning 3% cash back at grocery stores, at restaurants and on popular streaming services and entertainment. It's the rare card with high rewards for both going out (dining and entertainment) and staying in (groceries and streaming). That versatility makes it a solid top-of-wallet card and gives busy young professionals or harried parents one less thing to juggle. The card also pairs well with Capital One's Venture-branded travel cards, as you can transfer your rewards and combine them with Venture miles for greater flexibility in redemption. This is the rare card without a glaring drawback — it has a bonus offer and an introductory APR period, too — but it's worth noting that there are cards with higher rewards on groceries and cards with higher rewards at restaurants. If the bulk of your food spending is at one or the other, rather than both, you might be able to generate more cash back with a different card (see rates and fees). Read our review of the Capital One Savor Cash Rewards Credit Card.

» For higher grocery and dining rewards (but at a cost): American Express® Gold Card.

Blue Cash Everyday® Card from American Express

Our pick for: High cash back + online shopping rewards

True, the Blue Cash Everyday® Card from American Express doesn't have the industry-leading rewards rates boasted by its more expensive sibling, the Blue Cash Preferred® Card from American Express. But households that spend a lot of money in its bonus categories can still earn hundreds of dollars a year in cash back. The card earns 3% at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases. Those categories are each capped at $6,000 in annual spending (after which you earn 1%), and some households will undoubtedly exceed those limits, especially for groceries and online purchases. But it's not as if the Preferred gives you a higher spending cap for U.S. supermarkets, even with its annual fee, and that card doesn't offer bonus rewards on online purchases. The Everyday card also has a good introductory APR period, which pairs nicely with its bonus cash back on online retail. Say you have a large purchase coming up but want to finance it to maintain a positive cash flow. You could make the purchase online, put it on this card and effectively get a 3% discount (and maybe also earn the card's new cardholder bonus offer), then use the APR promotion to pay it off over time without interest. Terms apply. Read our review of theBlue Cash Everyday® Card from American Express.

» For bigger rewards on groceries: Blue Cash Preferred® Card from American Express.

Citi Double Cash® Card

Our pick for: 2% cash back on everything

Because the Citi Double Cash® Card earns an unlimited 2% cash back on all purchases, it’s an ideal card for both everyday spending and one-off big expenses. The 2% rate is actually earned in two stages: You get 1% when you make a purchase and another 1% when you pay it off. This unique structure can serve as an incentive to pay your credit card bill in full every month — or it can be a minor nuisance since 50% of your rewards won’t be credited to your account until you make a payment. (Also, when you redeem your cash back for credit on your statement, you don't get the second 1% for that amount.) The cash back is technically earned as points, which you can transfer to select Citi travel cards and then move to the issuer's airline or hotel partners. One big drawback of this card: It lacks an introductory 0% APR period for purchases, which is a relatively common benefit on cash back cards. There is a promo period for balance-transfers, however, and it's a good one, with a relatively low transfer fee. But because there's no matching period for purchases, it's best not to put spending on this card until you've paid down any transferred balance. Read our review of the Citi Double Cash® Card.

» For near-instant rewards: Capital One Savor Cash Rewards Credit Card.

Citi Strata Premier® Card

Our pick for: Travel rewards

The Citi Strata Premier® Card stands out for high rewards rates across popular spending categories (both travel-oriented and everyday) coupled with some valuable perks. It's ideal for those who want an uncomplicated travel option that can fit easily into their budget, particularly those who value Citi's transfer partners or want to realize more value within the Citi ecosystem. Notably, the card’s points are flexible and can be transferred to multiple partners, including American Airlines (itself a rare transfer partner) and JetBlue. Plus, you can pair it with other Citi cards and pool your points. On the downside, the card lacks some of the benefits offered by similarly priced cards, and if you ever need to redeem your points for cash back, you'll get subpar value. Additionally, with the exception of JetBlue and American, its airline transfer partners skew toward international carriers, and its hotel partners don't include some of the biggest names, which can be limiting. Read our review of the Citi Strata Premier® Card.

» For an alternative with more domestic transfer options: Chase Sapphire Preferred® Card.

American Express® Gold Card

Our pick for: Travel perks

The annual fee on the American Express® Gold Card is high enough to push it into "premium card" territory. But unlike some other premium cards — including options that are twice as expensive — it rewards you handsomely for actually spending money with the card, rather than tying up the bulk of its value in coupon-style credits that might be worthless to you. The card earns strong rewards at restaurants and U.S. supermarkets and also offers bonus points on flights and hotel stays booked direct or through AmEx. Yes, there are "coupons," too, although these credits are broad enough that many cardholders may be able to earn back a meaningful chunk of the annual fee without needing to rearrange their lives. (It all comes down to the individual.) The $325 fee means this isn't a card for small spenders, and caps on spending eligible for 4X rewards also might limit its value for super-high spenders. But there are a lot of people in the middle who will find that it's right in their wheelhouse. Terms apply. Read our review of the American Express® Gold Card.

» For restaurant and grocery rewards without a big fee: Capital One Savor Cash Rewards Credit Card

Instacart Mastercard®

Our pick for: Grocery delivery

If you do all your grocery shopping through Instacart, the Instacart Mastercard® makes perfect sense. The 5% cash back rate on Instacart orders is about as high as you can get for groceries without paying an annual fee, and the card earns bonus rewards in a few other useful categories. However, the amount of spending eligible for the 5% rewards is capped at $6,000 a year. That's in line with limits on other cards that cap bonus grocery rewards, but the 5% used to be uncapped. So this card, while still valuable, isn't the superstar it once was. For a lot of households, though, $6,000 a year is plenty. Read our review of the Instacart Mastercard®.

» For more flexible 5% rewards: Citi Custom Cash® Card

Prime Visa

Our pick for: Amazon and Whole Foods

If you're already a member of Amazon Prime — meaning you spend enough with the mega-retailer to justify paying for a Prime subscription — there aren't a lot of reasons not to get the Prime Visa. The card earns 5% back on purchases at Amazon and at Amazon-owned Whole Foods Market. With the sheer breadth of product offerings from those stores, that means you could get 5% back on the bulk of your everyday spending. You also get 2% at restaurants and gas stations and on transit and commuting, so there's a compelling case for making it your one card for everything. There are a few ways to redeem rewards, but you can put them toward Amazon purchases as soon as you earn them. The card has no annual fee. However, you must be a Prime member to get it, which carries a subscription cost that's higher than most credit card annual fees. In the end, the question of whether this card makes financial sense for you might actually be a question of whether a Prime membership makes financial sense for you. Read our review of the Prime Visa. ( The information related to Prime Visa credit card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.)

» For rewards for all online shopping, not just Amazon: Blue Cash Everyday® Card from American Express

The information related to the Citi Custom Cash® Card and the Prime Visa has been collected by NerdWallet and has not been reviewed or provided by the issuers or providers of these product.

_To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page.__To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page._To view rates and fees of the American Express® Gold Card, see this page.