Discover the best credit cards for grocery shopping in 2025. Earn cash back, rewards, and discounts on groceries with these top credit cards. Find out which cards are worth applying for today.
Grocery shopping is an essential part of our lives. We all do it, and we all spend a significant amount of money doing it. Whether you’re picking up essentials or splurging on premium items, you can save money in the long run by using the best credit cards for grocery shopping. These cards not only offer great rewards on every purchase, but they can also help you maximize your savings while keeping your grocery bill under control.
Why Use Credit Cards for Grocery Shopping?
Using a credit card for your grocery shopping isn’t just about paying for your items—it’s about getting rewarded for doing so. Many credit cards offer high cashback rates, bonus points, or other perks for grocery purchases, which can add up quickly over time. If you’re already spending money on food and household items, why not get something in return?
The best credit cards for grocery shopping help you earn rewards on each dollar you spend, allowing you to redeem those rewards for things like statement credits, travel points, or even merchandise. With the right card, you can effectively lower the cost of your groceries or earn rewards that can go toward your next vacation or bill.
What to Look for in the Best Credit Cards for Grocery Shopping
Before we get into the best credit cards for grocery shopping, it’s important to know what makes a good grocery card. When choosing the best card for your needs, consider these factors:
- Cashback or Rewards Rates: Look for a card that offers high cashback or reward points on grocery purchases. Some cards offer special bonus categories for grocery stores, meaning you earn more on every purchase.
- Annual Fees: Some credit cards charge annual fees, while others don’t. Consider whether the rewards you earn outweigh the cost of the annual fee.
- Sign-Up Bonuses: Many cards offer large sign-up bonuses if you spend a certain amount within the first few months. These can add up quickly and make a credit card even more valuable.
- Additional Perks: Some credit cards offer extra perks like extended warranties, purchase protection, and fraud protection. These added benefits can provide extra peace of mind while shopping.
With these factors in mind, let’s take a look at the best credit cards for grocery shopping in 2025.
1. Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is arguably one of the best credit cards for grocery shopping. If you’re looking for one of the highest cashback rates on groceries, this card is a solid option.
Key Features:
- 6% Cashback at U.S. supermarkets (up to $6,000 per year in purchases, then 1%).
- 3% Cashback on transit, including taxis, rideshares, parking, and trains.
- 1% Cashback on other purchases.
- Introductory Offer: Earn a $250 statement credit after spending $3,000 in purchases in the first 3 months.
- Annual Fee: $95 (waived for the first year).
The 6% cashback at U.S. supermarkets is one of the best deals available, making this card ideal for people who do a lot of grocery shopping. Plus, with the generous sign-up bonus and the low annual fee in the first year, it’s a card that can easily pay for itself.
Website Link: Blue Cash Preferred® Card from American Express
2. Chase Freedom Flex℠
The Chase Freedom Flex℠ is another excellent option for earning cashback on grocery shopping. It offers a great rotating bonus category system, which includes grocery stores as one of the categories each quarter. This means you can earn 5% cashback on groceries for a limited time each year, making it perfect for those who want to maximize their grocery spending.
Key Features:
- 5% Cashback on rotating categories (includes groceries, but changes quarterly).
- 1% Cashback on all other purchases.
- $200 Sign-Up Bonus after you spend $500 in the first 3 months.
- No Annual Fee.
While the rotating categories mean you have to pay attention to the calendar, the potential for 5% cashback on groceries is a huge benefit. If you use this card wisely, it can really help you save on your grocery bills.
Website Link: Chase Freedom Flex℠
3. Citi® Double Cash Card
The Citi® Double Cash Card is an excellent choice if you’re looking for a straightforward rewards card that gives you cash back on everything, including groceries. This card offers an impressive 2% cash back on all purchases—1% when you buy, and another 1% when you pay your bill.
Key Features:
- 2% Cashback on all purchases (1% when you make a purchase, 1% when you pay your bill).
- No Categories: You don’t have to worry about rotating categories or registration; you earn cashback on all purchases.
- No Annual Fee.
- Introductory APR: 0% for 18 months on balance transfers (then 14.74% – 24.74% variable).
The Citi® Double Cash Card is ideal for people who don’t want to keep track of bonus categories but still want to earn solid cashback on their grocery shopping. It’s a great card for those who prefer simplicity without sacrificing rewards.
Website Link: Citi® Double Cash Card
4. Amazon Prime Rewards Visa Signature Card
If you’re an Amazon Prime member and shop for groceries at Whole Foods or on Amazon Fresh, the Amazon Prime Rewards Visa Signature Card is a fantastic choice. You’ll earn 5% back on Amazon.com purchases, including groceries, making it a great option for online shoppers.
Key Features:
- 5% Cashback on Amazon.com and Whole Foods Market purchases for Prime members.
- 2% Cashback at restaurants, gas stations, and drugstores.
- 1% Cashback on all other purchases.
- No Annual Fee (with Amazon Prime membership, which costs $139/year).
- Sign-Up Bonus: $150 Amazon Gift Card after you spend $500 in the first 3 months.
This card is perfect for those who do a lot of online grocery shopping through Amazon or shop at Whole Foods. Plus, if you’re an avid Amazon shopper, this card gives you top-tier cashback for all your purchases.
Website Link: Amazon Prime Rewards Visa Signature Card
5. Wells Fargo Active Cash℠ Card
The Wells Fargo Active Cash℠ Card is another solid choice for grocery shopping, offering unlimited 2% cash back on all purchases. If you want a no-hassle, high cashback card that works for all your spending—including groceries—this card delivers.
Key Features:
- 2% Cashback on all purchases.
- No Annual Fee.
- $200 Cash Rewards Bonus after spending $1,000 in the first 3 months.
- 0% Intro APR for 15 months on purchases and qualifying balance transfers (then 20.99% – 29.99% variable APR).
This card is perfect for people who don’t want to worry about rotating categories or special promotions but still want a solid cashback return. The 2% cashback on all purchases makes it an excellent choice for grocery shopping, among other everyday expenses.
Website Link: Wells Fargo Active Cash℠ Card
Conclusion: Maximize Your Grocery Savings with the Best Credit Cards for Grocery Shopping
When it comes to grocery shopping, the right credit card can turn your everyday expenses into valuable rewards. Whether you prefer a straightforward cashback card like the Citi® Double Cash Card or a specialized rewards card like the Blue Cash Preferred® Card from American Express, there’s a card for every type of shopper.
To get the most out of your grocery shopping, choose a card that aligns with your spending habits and offers a high rewards rate on grocery purchases. The best credit cards for grocery shopping help you save money, earn valuable cashback or points, and sometimes even unlock additional perks like sign-up bonuses or special discounts.
Start using one of these top credit cards today, and watch your savings grow with every trip to the grocery store.
