I've Earned $130 This Year By Using The Best Credit Card for Groceries

4.1/5

8.1/10

CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

Earn $250 Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Annual Fee

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

Rewards Rate

1% – 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 6% Cash Back on select U.S. streaming subscriptions; 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more; 3% Cash Back at U.S. gas stations; 1% Cash Back on other purchases

Rec. Credit

670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

APR

19.24% – 29.99% Variable

Whether you’re shopping for groceries for yourself or your family, the Blue Cash Preferred® Card from American Express is a solid option for most people. It provides the highest cash-back rate of any card we researched, earning 6% cash back on up to $6,000 spent at U.S. supermarkets each year -- for as much as $360 back per year at this rate. Plus, you’ll still earn 1% cash back if you exceed $6,000.

According to the Bureau of Labor Statistics, the $6,000 spending cap won’t be reached by the average American household, which typically spends more in the vicinity of $5,000 per year on groceries. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

For more details about this card, check out our full review of the Blue Cash Preferred Card from American Express.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Whether you’re shopping for groceries for yourself or your family, the Blue Cash Preferred® Card from American Express is a solid option for most people. It provides the highest cash-back rate of any card we researched, earning 6% cash back on up to $6,000 spent at U.S. supermarkets each year -- for as much as $360 back per year at this rate. Plus, you’ll still earn 1% cash back if you exceed $6,000.

According to the Bureau of Labor Statistics, the $6,000 spending cap won’t be reached by the average American household, which typically spends more in the vicinity of $5,000 per year on groceries. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

For more details about this card, check out our full review of the Blue Cash Preferred Card from American Express.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

4.2/5

8.3/10

CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

Get a $200 Amazon Gift Card Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members

Rewards Rate

1% – 10% Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership; Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership; Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare); Earn unlimited 1% back on all other purchases

Rec. Credit

670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

APR

20.49% – 29.24% Variable

If you’re a regular shopper at Amazon and Whole Foods, the Prime Visa is a great way to earn cash back on your purchases. It offers 5% cash back at Whole Foods Market and on Amazon Fresh and other Amazon.com purchases, which can be redeemed at checkout or as a statement credit from Chase. You can also score a $200 Amazon gift card upon account approval.

This card also features 2% cash back at restaurants, gas stations, local transit and rideshares and 1% on everything else. You must have an Amazon Prime membership -- $139 per year -- to apply for this card, but we’re guessing if you’re a heavy Amazon shopper, you’re already a member.

Check out our full review of the Prime Visa.

If you’re a regular shopper at Amazon and Whole Foods, the Prime Visa is a great way to earn cash back on your purchases. It offers 5% cash back at Whole Foods Market and on Amazon Fresh and other Amazon.com purchases, which can be redeemed at checkout or as a statement credit from Chase. You can also score a $200 Amazon gift card upon account approval.

This card also features 2% cash back at restaurants, gas stations, local transit and rideshares and 1% on everything else. You must have an Amazon Prime membership -- $139 per year -- to apply for this card, but we’re guessing if you’re a heavy Amazon shopper, you’re already a member.

Check out our full review of the Prime Visa.

3.7/5

7.4/10

CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

$200 Earn $200 in cash back after you spend $1500 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.

Rewards Rate

1% – 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.; Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.; Earn unlimited 1% cash back on all other purchases.

Rec. Credit

580 – 850 Fair – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

APR

19.24% – 29.24% (Variable)

The Citi Custom Cash® Card* is unique in that it automatically selects your highest eligible spend category and applies 5% cash back rewards (on up to $500 of expenditure per billing cycle, then 1%). Grocery stores are one of these categories, as are restaurants, gas stations, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

As long as you’re not spending more on the other categories than at grocery stores with this card, you’ll earn 5% cash back on all your grocery store purchases (on up to $500 spent each billing cycle, then 1%), without limitations on location like some other cards impose. This card has no annual fee, so you can easily keep it as just a grocery credit card to avoid confusion.

Check out our full review of the Citi Custom Cash® Card.

The Citi Custom Cash® Card* is unique in that it automatically selects your highest eligible spend category and applies 5% cash back rewards (on up to $500 of expenditure per billing cycle, then 1%). Grocery stores are one of these categories, as are restaurants, gas stations, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

As long as you’re not spending more on the other categories than at grocery stores with this card, you’ll earn 5% cash back on all your grocery store purchases (on up to $500 spent each billing cycle, then 1%), without limitations on location like some other cards impose. This card has no annual fee, so you can easily keep it as just a grocery credit card to avoid confusion.

Check out our full review of the Citi Custom Cash® Card.

3.9/5

7.5/10

CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

60,000 points + earn up to $100 back Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

Rewards Rate

1x – 4x 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.; Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.; Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.; Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Rec. Credit

670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

APR

See Pay Over Time APR

If you would like to redeem rewards for travel, the American Express® Gold Card is a great choice. On up to $25,000 of purchases per calendar year at U.S. supermarkets, you can earn 4x Membership Rewards® Points (then 1x points) -- valued at 1 cent each when used to purchase flights through American Express Travel. That’s essentially a 4% return on your U.S. supermarket purchases toward flights.

Keep in mind this card has a higher-than-average annual fee of $250, and for the most bang for your buck (or points), you must book travel through the American Express Travel Portal. These points are only worth 0.6 cent each when redeemed for a statement credit.

For more details, see our full review of the American Express Gold Card.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

If you would like to redeem rewards for travel, the American Express® Gold Card is a great choice. On up to $25,000 of purchases per calendar year at U.S. supermarkets, you can earn 4x Membership Rewards® Points (then 1x points) -- valued at 1 cent each when used to purchase flights through American Express Travel. That’s essentially a 4% return on your U.S. supermarket purchases toward flights.

Keep in mind this card has a higher-than-average annual fee of $250, and for the most bang for your buck (or points), you must book travel through the American Express Travel Portal. These points are only worth 0.6 cent each when redeemed for a statement credit.

For more details, see our full review of the American Express Gold Card.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

3.6/5

7.2/10

CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

Earn $200 Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Rewards Rate

1% – 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.; 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.; 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.; 1% Cash Back on other purchases

Rec. Credit

670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

APR

19.24% – 29.99% Variable

The Blue Cash Everyday® Card from American Express offers a top rewards rate on U.S. supermarkets at 3% cash back. You can use that reward rate on up to $6,000 in spending per year (then 1%), which covers the average American household’s annual spending on groceries, according to the Bureau of Labor Statistics. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

As an alternative to traditional groceries, the Blue Cash Everyday also offers up to $180 per year in statement credits for Home Chef, a meal kit delivery service (subject to auto renewal). You can receive up to $15 in monthly statement credits when you use your Blue Cash Everyday Card to pay for online Home Chef purchases (up to $180 per year).

For more information on this card, see our full review of the Blue Cash Everyday from American Express.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The Blue Cash Everyday® Card from American Express offers a top rewards rate on U.S. supermarkets at 3% cash back. You can use that reward rate on up to $6,000 in spending per year (then 1%), which covers the average American household’s annual spending on groceries, according to the Bureau of Labor Statistics. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

As an alternative to traditional groceries, the Blue Cash Everyday also offers up to $180 per year in statement credits for Home Chef, a meal kit delivery service (subject to auto renewal). You can receive up to $15 in monthly statement credits when you use your Blue Cash Everyday Card to pay for online Home Chef purchases (up to $180 per year).

For more information on this card, see our full review of the Blue Cash Everyday from American Express.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.