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Best Credit Cards for Groceries 2026

Earn up to 6% back on supermarket purchases. 13 cards with grocery bonuses worth $5,915+ in sign-up value.

Quick Picks

Best Overall
Amex Blue Cash Preferred
Best No Annual Fee
Amex Blue Cash Everyday
Best Points Value
Amex Gold Card
Barclays

JetBlue Plus Card

70,000 points
~$1,050 value
Offer confirmed 2026-10-11
Spend Required$1,000 in 90 days

Spend $1,000 in net purchases and pay the $99 annual fee in full, both within the first 90 days after account opening.

Annual Fee$99
Base Rewards1x on all purchases
6x JetBlue2x restaurants2x groceries
Monthly spend neededCheck terms
Estimated first-year value$951

Qualifying purchases exclude credits, returns and adjustments. Minimum payments may not pay the annual fee in full by the deadline.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-10-11.

Offer source

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American Express

Delta SkyMiles Platinum Card

100,000 miles
~$1,000 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$4,000 in 6 months
Annual Fee$350
Base Rewards1x on all purchases
3x Delta2x restaurants2x groceries+1 more
Monthly spend needed$667
Estimated first-year value$650 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

1¢ per point: Pay with Miles (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Chase

Chase Sapphire Preferred

75,000 points
~$750 value
Offer confirmed 2026-10-11
Spend Required$5,000 in 3 months

Preferred is unavailable if already held. Prior ownership, bonuses, and account history can limit bonus eligibility.

Preferred offer conditions

Spend $5,000 in qualifying purchases in the first 3 months from account opening. Chase says the card is unavailable if you already hold it. Prior ownership, prior bonuses, and opening or closing other cards may affect bonus eligibility; a fixed waiting period does not guarantee another bonus. The account must be open and not in default when the bonus is fulfilled. Balance transfers, cash advances and cash-like transactions, gambling, money transfers and account funding, account-access checks, interest, fees, and unauthorized or fraudulent charges do not qualify. Allow 6–8 weeks after qualification for the bonus to post. See the official offer details; offers can differ by application channel.

Official offer detailsPricing and account terms
Annual Fee$95
Base Rewards1x on other purchases
5x Chase Travel purchases3x dining, selected streaming and online grocery (exclusions apply)3x gas stations, EV charging and vacation homes at eligible brands+1 more
Monthly spend needed$1,667
Estimated first-year value$655
Value assumptions and offer source

1¢ per point: Chase Travel redemption (standard rate) (issuer terms, checked 2026-10-07). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-10-11.

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American Express

Hilton Honors Surpass Card

130,000 points
~$520 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$3,000 in 6 months
Annual Fee$150
Base Rewards3x on all purchases
12x Hilton6x restaurants6x groceries+1 more
Monthly spend needed$500
Estimated first-year value$370 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.4¢ per point: Standard hotel redemption (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

Delta SkyMiles Gold Card

50,000 miles
~$500 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$3,000 in 3 months
Annual Fee$150(waived yr 1)
Base Rewards1x on all purchases
2x Delta2x restaurants2x groceries
Monthly spend needed$1,000
Estimated first-year value$500 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

1¢ per point: Pay with Miles (hypothetical scenario, last maintained 2026-01-31). Subtracts no first-year fee (waived); excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

Blue Cash Preferred Card

$350
~$350 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$3,000 in 6 months
Annual Fee$95(waived yr 1)
Base Rewards1% on all purchases
6% groceries (up to $6k/yr)6% streaming3% transit+1 more
Monthly spend needed$500
Estimated first-year value$350 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts no first-year fee (waived); excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

Hilton Honors Card

80,000 points
~$320 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards3x on all purchases
7x Hilton5x restaurants5x groceries+1 more
Monthly spend needed$334
Estimated first-year value$320 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.4¢ per point: Standard hotel redemption (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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US Bank

US Bank Altitude Connect

20,000 points
~$300 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
5x hotels/car rentals via Travel Center4x travel and gas/EV charging (up to $1k/quarter)2x dining+2 more
Monthly spend needed$334
Estimated first-year value$300 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Chase

Marriott Bonvoy Boundless

50,000 points
~$250 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$3,000 in 3 months
Annual Fee$95
Base Rewards2x on all purchases
6x Marriott3x dining3x groceries
Monthly spend needed$1,000
Estimated first-year value$155 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Airline transfer (3:1) (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

Blue Cash Everyday Card

$250
~$250 value
Last confirmed 2026-09-23
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards1% on all purchases
3% groceries (up to $6k/yr)3% gas3% online retail
Monthly spend needed$334
Estimated first-year value$250

We last confirmed this offer on 2026-09-23. It may have changed since, so check the issuer before applying.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-23.

Offer source

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Chase

Marriott Bonvoy Bold

45,000 points
~$225 value
Offer confirmed 2026-10-11
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x Marriott2x groceries2x rideshare/food delivery+1 more
Monthly spend needed$334
Estimated first-year value$225
Value assumptions and offer source

0.5¢ per point: Airline transfer (3:1) (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-10-11.

Offer source

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Capital One

Capital One SavorOne

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% dining3% entertainment3% streaming+2 more
Monthly spend needed$167
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

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Bank of America

Bank of America Customized Cash Rewards

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% on category of choice2% grocery/wholesale
Monthly spend needed$334
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

Apply Now
Details

Frequently Asked Questions

Which credit card gives the most cash back on groceries?

The Blue Cash Preferred Card from American Express offers 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. This is the highest flat grocery rate available.

Do grocery rewards cards have annual fees?

Some do and some don't. The Amex Blue Cash Everyday offers 3% on groceries with no annual fee, while the Blue Cash Preferred offers 6% with a $95 annual fee (waived first year). Both can be worth it depending on your grocery spending.

Do warehouse clubs like Costco count as groceries?

Usually no. Most cards classify warehouse clubs (Costco, Sam's Club, BJ's) separately from supermarkets. Check your card's terms to confirm which stores qualify for grocery bonus rates.