Top Credit Cards for Maximizing Grocery Rewards

Are you someone who spends a significant amount of money on groceries each month? If so, you may want to consider getting a credit card that offers rewards specifically for grocery shopping. With the right credit card, you can earn cash back or points for every dollar you spend at the supermarket, helping you save money on your grocery bill in the long run.

In this blog post, we’ll take a closer look at some of the best credit cards for earning rewards on grocery purchases. Whether you have a large family to feed, work in the food industry, or simply enjoy cooking and baking, a credit card with bonus rewards at the grocery store can be a valuable asset. Let’s dive into the top credit cards for groceries and see which one might be the best fit for you.

Capital One® SavorOne® Cash Rewards Credit Card

• Credit score needed: credit_score_needed
• Features 8% cash back on Capital One Entertainment purchases, 3% back on groceries, dining, entertainment, and eligible streaming service purchases, and 1% back everywhere else.
• New cardholders can bonus_miles_full.
• No foreign transaction fees, travel accident insurance, and multiple cash back redemption options.

American Express® Gold Card

• Credit score needed: credit_score_needed
• Rewards holders with 4x points per dollar on the first $25,000 per year in spending at U.S. supermarkets, 3x on flights booked with airlines directly or Amex Travel, and 1x point for other purchases.
• Comes with a hefty annual fee but offers valuable rewards and benefits.
• Includes a $120 Uber Cash on Gold and bonus rewards for Uber purchases.

Blue Cash Everyday® Card from American Express

• Credit score needed: credit_score_needed
• Rewards shoppers with 3% back at U.S. supermarkets, online retail purchases, and U.S. gas stations, and 1% cash back on other eligible purchases.
• Offers statement credits for Disney+, Hulu, ESPN+, The Disney Bundle, and Home Chef purchases.
• Comes with complimentary membership to ShopRunner for free two-day shipping at popular online stores.

Instacart Mastercard®

• Credit score needed: credit_score_needed
• Offers 5% cash back on Instacart purchases, 5% on travel booked through Chase, 2% at restaurants, gas stations, and select streaming services, and 1% everywhere else.
• Comes with purchase protection, extended warranty coverage, and travel insurance benefits.
• Best for loyal Instacart customers who love grocery delivery.

Citi Custom Cash® Card

• Credit score needed: credit_score_needed
• Earn 5% cash back in the highest eligible category each month on the first $500 in monthly spending, with 1% cash back everywhere else.
• Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
• Offers flexibility for variable spending months and multiple redemption options.

When choosing a credit card for groceries, consider your spending habits, rewards preferences, and any additional benefits or fees associated with the card. By selecting the right credit card, you can maximize your cash back rewards and save money on your grocery purchases. Whether you’re a frequent shopper or just looking to earn rewards on everyday expenses, a grocery store credit card can be a valuable addition to your wallet.