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We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info. Grocery credit cards give consumers additional cash back, points, or miles on grocery purchases. With the average household spending close to $4,942 per year on groceries, this is a popular category of rewards cards. Having a grocery credit card allows you to maximize this spending by earning bonus rewards on your supermarket purchases. The best credit cards for groceries offer bonus rewards at grocery stores and have no annual fees or have fees that can be offset by additional rewards or benefits. We’ve analyzed our extensive database to identify the rewards credit cards that earn the most rewards for several different grocery shopper profiles. These are the best grocery credit cards based on your shopping habits. Best Credit Cards for Groceries for October 2022Best Overall, Best for Cash Back: Blue Cash Preferred® Card From American ExpressRating as a Credit Card for Groceries  Current Offer Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application. 350 579 580 669 670 739 740 799 800 850 Good - Excellent
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Why We Chose This Card The Blue Cash Preferred® Card from American Express is our top pick for best overall grocery and best cash back grocery rewards because of its exceptional 6% cash back at U.S. supermarkets on spending up to $6,000 per year, allowing cardmembers to earn up to $250 on grocery rewards alone. The card also offers strong bonus cash back on gas and dining expenses, making it a great primary card for expense categories that are typically the largest for most Americans. There is a $95 annual fee, but most will find the cost to easily be worth it thanks to the lucrative rewards structure. Pros & Cons Pros
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Best for Grocery Rewards Points: American Express® Gold CardRating as a Credit Card for Groceries Current Offer Earn 60,000 Membership Rewards(R) points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Terms Apply. Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application. 350 579 580 669 670 739 740 799 800 850 Good - Excellent
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Why We Chose This Card The American Express Gold Card is our top choice for grocery rewards points because of its 4 points per dollar on all U.S. supermarket purchases and U.S. restaurants up to $25,000 in combined spending. Also, earn 3X Membership Rewards(R) Points on flights booked directly with airlines or on amextravel.com. Given that the value of Membership Rewards points can be worth as much as one cent each based on how they are redeemed, the potential rate of return on grocery spending can be good. There is an annual fee of $250, which can be worth it based on the generous bonus categories like $120 in dining credits. Pros and Cons Pros
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Best for Business: Amazon Business Prime American Express Card
Rating as a Credit Card for Groceries Current Offer Get a $125 Amazon.com Gift Card upon approval for the Amazon Business American Express Card. Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application. 350 579 580 669 670 739 740 799 800 850 Good - Excellent
Why We Chose This Card The Amazon Business Prime American Express Card wins for best business grocery rewards with grocery purchases through Whole Foods Market earning 5% rewards for eligible Prime Members. Whole Foods purchases, Amazon.com shopping, and Amazon Web Services (AWS) charges all receive 5% rewards on the first $120,000 spent each year. In lieu of 5% rewards, businesses can choose 90-day 0% financing on purchases instead. Purchases at U.S. gas stations, restaurants, and telephone service providers earn an unlimited 2%, while all other purchases earn 1%. There is no annual fee, and new cardholders receive a $200 Amazon gift card upon approval. Pros & Cons Pros
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Best for Whole Foods: Amazon Prime Rewards Visa Signature CardRating as a Credit Card for Groceries Current Offer Get a $100 Amazon.com Gift Card instantly upon credit card approval. Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application. 350 579 580 669 670 739 740 799 800 850 Good - Excellent
Why We Chose This Card We chose the Amazon Prime Visa Signature as our top pick for grocery rewards at Whole Foods Market because of its large, unlimited 5% rewards bonuses with Whole Foods and Amazon.com purchases. If you need more time to pay off your purchases of $50 or more, you can choose a 0% APR promo of six to 18 months instead of the 5% rewards. You'll also receive 2% back at restaurants, gas stations, and drugstores and 1% everywhere else. Plus, you'll get a $100 Amazon gift card instantly upon approval for this card. There is no annual fee, and the card does not charge any foreign transaction fees. Rewards do not expire and can be used during checkout at Amazon.com or applied toward a purchase on your statement. Pros and Cons Pros
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Best for Walmart: Capital One Walmart Rewards MastercardRating as a Credit Card for Groceries Current Offer Earn 5% back in Walmart stores for the first 12 months when you use your Capital One Walmart Rewards Card with Walmart Pay - the quick and secure way to pay with your phone at Walmart. Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application. 350 579 580 669 670 739 740 799 800 850 Good - Excellent
Why We Chose This Card The Capital One Walmart Rewards Mastercard is our top pick for earning cash back rewards on groceries from Walmart and Walmart.com. The Capital One Walmart Rewards Mastercard is the logical choice to earn substantial cash back rewards on their groceries while taking advantage of their already discounted prices. You'll earn 5% cash back on Walmart.com purchases for delivery or pickup. For the first 12 months, the in-store cash back is 5% when using Walmart Pay. Pros and Cons Pros
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Best for No Annual Fee: Blue Cash Everyday® Card From American ExpressRating as a Credit Card for Groceries Current Offer Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership. Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application. 350 579 580 669 670 739 740 799 800 850 Good - Excellent
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Why We Chose This Card Our choice for the best grocery rewards credit card with no annual fee is the Blue Cash Everyday® Card from American Express. It earns 3% cash back on the first $6,000 you spend at U.S. supermarkets every year. Additionally, it earns an unlimited 2% at U.S. gas stations and select department stores, plus 1% everywhere else. New customers can earn a $250 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months The card also comes with a 0% APR introductory offer for 15 months on purchases. There is no annual fee, but international purchases do incur a 2.7% foreign transaction fee. Pros and Cons Pros
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Best for Points, Daily Charges: Amex EveryDay® Preferred Credit CardRating as a Credit Card for Groceries Current Offer Earn 15,000 Membership Rewards Points after you use your new Card to make $2,000 in purchases in your first 6 months. Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application. 350 579 580 669 670 739 740 799 800 850 Good - Excellent
Why We Chose This Card The winner for the best credit card for points and daily purchases is the Amex EveryDay® Preferred Credit Card because it earns 3x points on the first $6,000 in grocery store purchases every year. You'll also receive 2x points at U.S. gas stations and everything else earns 1x. When you make at least 30 purchases in a billing period, you'll receive 50% more points. New customers can earn 15,000 points after spending $2,000 during the first six months after approval. There's also an intro 0% APR offer on purchases for 12 months to give you more time to pay off your purchases without paying any interest. Pros and Cons Pros
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Final VerdictThere are many credit cards that offer generous rewards when shopping at supermarkets. The best credit cards for grocery stores also earn additional rewards for other purchases and provide attractive benefits. Our choice for the best credit card for groceries is the Blue Cash Preferred Card from American Express. With its 6% cash back on groceries (up to $6,000 per year), it's also our pick for the best cash back credit card at U.S. grocery stores. New customers can earn $300 after spending $3,000 within six months and take advantage of a 0% introductory APR on purchases for 12 months. Plus, the annual fee of $95 is waived for the first year. Best Credit Cards for Groceries.Compare the Best Credit Cards for Groceries
Editorial Picks for the Best Credit Cards for GroceriesBlue Cash Preferred Card From American ExpressBest Overall, Best for Cash Back Earn up to 6% cash back on groceries and streaming services up to $6,000, plus 3% on transit purchases. The $95 annual fee is waived the first year so you can test drive the card's benefits before paying a fee. Read the full Blue Cash Preferred Card from American Express Review. American Express Gold CardBest for Grocery Rewards Points Earn 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your new Card within the first six months. Terms Apply. Read the full American Express Gold Card Review. Amazon Business Prime American Express CardBest for Business Earn 5% rewards on the first $120,000 you spend at Whole Foods, Amazon.com, and Amazon Web Services. Option to choose 90-day terms on purchases instead of the 5% back. Read the full Amazon Business Prime American Express Card Review. Amazon Prime Rewards Visa Signature CardBest for Whole Foods Receive 5% rewards at Amazon and Whole Foods when you have an eligible Amazon Prime membership. There are no annual fees or foreign transaction fees, and you'll receive a $200 Amazon gift card upon approval. Read the full Amazon Prime Rewards Visa Signature Card Review. Capital One Walmart Rewards MastercardBest for Walmart Walmart.com purchases for pickup or delivery earn an unlimited 5% cash back. For a limited time, you'll also receive 5% cash back on in-store Walmart purchases when you pay with your card using Walmart Pay. Read the full Capital One Walmart Rewards Mastercard Review. Blue Cash Everyday Card From American ExpressBest for No Annual Fee This no annual fee card earns 3% cash back on up to $6,000 in U.S. supermarket purchases each year. You'll also earn an unlimited 2% cash back at U.S. gas stations and select U.S. department stores. Read the full Blue Cash Everyday Card from American Express Review. Amex EveryDay Preferred Credit CardBest for Points, Daily Charges Earn 3x points at U.S. supermarkets on the first $6,000 you spend every year. When you use your card at least 30 times each month, you'll receive 50% more points on all of your purchases. Read the full Amex EveryDay Preferred Credit Card Review. Types of Grocery Rewards Credit CardsThere are generally two types of grocery rewards credit cards: those that earn unlimited rewards and those with bonus categories that are capped.
Some credit cards exclude grocery purchases at Walmart, Target, and wholesale clubs from your grocery bonus category. If you make purchases from these stores, pay close attention to any exclusions that your card may have so you won't be surprised. People who frequently shop at these stores may want to get that store's credit card, like the Capital One Walmart Rewards Mastercard or the Costco Anywhere Visa Credit Card. Pros and Cons of Credit Cards With Grocery RewardsHaving a credit card that offers grocery rewards has numerous benefits for cardholders. However, there are some negatives as well. Consider both sides before applying for a grocery credit card. Pros
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Grocery Rewards Credit Cards Pros Explained
Grocery Rewards Credit Cards Cons Explained
How Do Grocery Rewards Credit Cards Work?Most grocery rewards cards provide cash back, points, or miles on grocery purchases, but some make grocery shopping more rewarding than others. Typically, those cards feature grocery purchases as a bonus earnings category and pay a higher rate of rewards on them. Such cards may or may not exclude big box stores like Walmart or wholesale clubs like Costco, BJ’s, or Sam’s Club from their bonus category. However, most big box stores and all the major wholesale clubs offer their own co-branded credit cards that pay consumers attractive rewards in exchange for their brand loyalty. What Should You Consider When Selecting a Grocery Rewards Card?
To compare different cards, it’s helpful to examine your spending patterns and try to estimate how much you might get from each card in terms of rewards. While grocery shopping is a significant category for most people, other monthly spending categories can be equally or even more important. Also consider any signup bonuses a card might offer and whether it charges an annual fee. Can You Get a Grocery Rewards Credit Card With Bad Credit?Each of the grocery rewards credit cards on this list recommends a 670 credit score or higher when applying. If you have bad credit, it is doubtful that your application will be approved. However, people with fair (FICO 580 to 669) or very poor (300 to 579) credit can qualify for a secured credit card that offers cash back or points on all purchases, including groceries. After using a secured credit card responsibly for a period of time, you can build a good credit score (FICO 670 to 739) and eventually qualify for a regular, non-secured card. Is a Grocery Rewards Credit Card Right for Me?People who make purchases at grocery stores frequently should consider a grocery rewards credit card. These credit cards allow you to maximize the rewards that you'll earn on your supermarket purchases while also offering additional rewards and benefits on your other purchases. Many grocery credit cards do not charge an annual fee, and those that do often have additional benefits that make paying the annual fee worthwhile. While rewards on grocery spending are often unlimited, some cards place a cap on the bonuses you can earn each year on groceries. Depending on how much you spend at supermarkets, the caps may or may not affect your ability to earn additional rewards. Before applying for a grocery credit card, make sure that the enhanced rewards are worth any fees that you'll pay and that you are okay with any annual caps on grocery bonuses that may apply. MethodologyTo select the best credit cards for groceries we gathered data points on more than 300 cards. Each feature, including annual fees, rewards earned, benefits, interest rates, and more, was assigned a score to compare against similar cards. Features were weighted based on their importance to different types of card categories so that we could determine the winner for each category. We continuously monitor the details of each card to ensure that our rankings are up to date so you can pick the card that matches your goals. Meet Our Credit Card ExpertBen Woolsey is Investopedia's Senior Editor for Credit Cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com. What credit card gives 5% cash back on Walmart?1% Cash Back
Everywhere else Mastercard® is accepted. Earn 5% cash back in Walmart stores for the first 12 months after approval when you use your Capital One Walmart Rewards® Card with Walmart Pay – the quick and touch-free way to pay with your phone at Walmart.
Which credit card has Walmart cash back?Capital One Walmart Rewards Mastercard
Rewards at Walmart: Perhaps the best option for Walmart loyalists, this card offers 5% cash back on Walmart.com including pickup and delivery and 2% back in Walmart stores, at restaurants and on travel. Annual fee: $0.
Does Walmart give cash back on credit cards?Editorial and user-generated content is not provided, reviewed or endorsed by any company. Yes, you can get cash back from a Walmart Credit Card simply by making purchases with your card. This is the case for both the Walmart Credit Card and the Walmart® Store Card.
How do you get the most cash back at Walmart?Some credit cards also provide more cash back for Walmart purchases than others. This includes Walmart credit cards and others such as the Discover it Cash Back. You can double dip and use a cashback app while also paying with these cards to get the most money back on your Walmart purchases.
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Best cash back credit card for walmart
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