Best Credit Cards for Groceries 2026

Earn up to 6% back on supermarket purchases. 13 cards with grocery bonuses worth $7,245+ 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

75,000 points
~$1,125 value
Spend Required$1,000 in 3 months
Annual Fee$99
Base Rewards1x on all purchases
6x JetBlue2x restaurants2x groceries
Apply NowDetails
American Express

Delta SkyMiles Platinum Card

100,000 miles
~$1,100 value
Spend Required$4,000 in 6 months
Annual Fee$350
Base Rewards1x on all purchases
3x Delta2x restaurants2x groceries+1 more
Apply NowDetails
Chase

Marriott Bonvoy Boundless

50,000 points
~$750 value
Spend Required$3,000 in 3 months
Annual Fee$95
Base Rewards2x on all purchases
6x Marriott3x dining3x groceries
Apply NowDetails
American Express

Delta SkyMiles Gold Card

50,000 miles
~$750 value
Spend Required$3,000 in 3 months
Annual Fee$150(waived yr 1)
Base Rewards1x on all purchases
2x Delta2x restaurants2x groceries
Apply NowDetails
American Express

American Express Gold Card

60,000 points
~$720 value
Spend Required$6,000 in 6 months
Annual Fee$250
Base Rewards1x on all purchases
4x restaurants4x groceries (up to $25k/yr)3x flights
Apply NowDetails
American Express

Hilton Honors Surpass Card

130,000 points
~$650 value
Spend Required$3,000 in 6 months
Annual Fee$150
Base Rewards3x on all purchases
12x Hilton6x restaurants6x groceries+1 more
Apply NowDetails
Chase

Marriott Bonvoy Bold

100,000 points
~$500 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x Marriott2x groceries2x rideshare/food delivery+1 more
Apply NowDetails
American Express

Hilton Honors Card

80,000 points
~$400 value
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards3x on all purchases
7x Hilton5x restaurants5x groceries+1 more
Apply NowDetails
American Express

Blue Cash Preferred Card

$350
~$350 value
Spend Required$3,000 in 6 months
Annual Fee$0(waived yr 1)
Base Rewards1% on all purchases
6% groceries (up to $6k/yr)6% streaming3% transit+1 more
Apply NowDetails
US Bank

US Bank Altitude Connect

20,000 points
~$300 value
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
Apply NowDetails
Capital One

Capital One SavorOne

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% dining3% entertainment3% streaming+2 more
Apply NowDetails
American Express

Blue Cash Everyday Card

$200
~$200 value
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
Apply NowDetails
Bank of America

Bank of America Customized Cash Rewards

$200
~$200 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% on category of choice2% grocery/wholesale
Apply NowDetails

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.