Updated on Aug 20, 2020

Best Grocery Credit Cards of 2020

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The best rewards credit cards for groceries let you earn anywhere from 1% to 6% back for every dollar you spend up to a certain limit, and many don’t even charge an annual fee. Unlike rewards based on travel spending or other hit-or-miss categories, we all buy food year-round — so you have little to lose by signing up for one of these cards, using it to buy your groceries, and paying it off every month before interest accrues.

Summary

The Best Grocery Credit Cards of 2020

  • Blue Cash Preferred® Card from American Express APPLY NOW
    Partner Offer
    Best for everyday spending Blue Cash Preferred® Card from American Express
    Apply Now on American Express's secure website
  • Blue Cash Everyday® Card from American Express APPLY NOW
    Partner Offer
    Best for No Annual Fee Blue Cash Everyday® Card from American Express
    Apply Now on American Express's secure website

You may not care much about credit card rewards or think you spend enough to justify using them, but the truth is most people could benefit from a really solid rewards card. Even if you just spend money on groceries and other basics each month – and actually, especially if you buy a lot of groceries, you could rack up a ton of easy cash back in a hurry.

Want to see how much you can earn? Check out these top cards for grocery spending and compare them to your average food bill. What you could be earning might surprise you.

Blue Cash Preferred® Card from American Express

Partner Offer Apply Now on American Express's secure website

Best for everyday spending

Blue Cash Preferred® Card from American Express

Reward details 6% cash back at U.S. supermarkets (up to $6,000, then 1%)
Redeem for... Reward Dollars (redeemed as a statement credit)

Current Offer $250
Annual Fee $95 (See Rates & Fees)
Highlights Provided by American Express Show Highlights
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
  • Issuer: American Express
  • Annual Fee: $95 (See Rates & Fees)
  • Balance Transfer Fee: N/A
  • Cash Advance APR: 25.24% Variable
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Introductory APR: 0%
  • Introductory APR Period: 12 months
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 13.99% - 23.99% Variable (See Rates & Fees)
  • Penalty APR: 29.24% Variable
 

Another awesome grocery card is the Blue Cash Preferred® Card from American Express. With this card, you’ll earn 6% cash back on your first $6,000 at U.S. supermarkets each year (then 1%). If you max that out, that’s a $360 benefit! In addition, you’ll get 3% cash back at U.S. gas stations and on transit, 1% cash back on all other purchases.

While this card does charge a $95 annual fee (See Rates & Fees). And if you spend a ton on groceries anyway, the fee is well worth it. A family of four spending $1,000 a month on groceries would earn $360 back on their first $6,000 spent at U.S. supermarkets, plus another $60 on the rest of their annual grocery spending. That’s more than $300 in rewards, even after the annual fee, on grocery shopping alone — not to mention the additional money back earned at U.S. gas stations, select U.S. streaming subscriptions, and on transit purchases.

Blue Cash Everyday® Card from American Express

Partner Offer Apply Now on American Express's secure website

Best for No Annual Fee

Blue Cash Everyday® Card from American Express

Reward details 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
Redeem for... Statement credits, gift cards, and merchandise

Current Offer $150
Annual Fee $0 (See Rates & Fees)
Highlights Provided by American Express Show Highlights
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
  • Issuer: American Express
  • Annual Fee: $0 (See Rates & Fees)
  • Balance Transfer Fee: N/A
  • Cash Advance APR: 25.24% Variable
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Introductory APR: 0%
  • Introductory APR Period: 15 months
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 13.99% - 23.99% Variable (See Rates & Fees)
  • Penalty APR: 29.24% Variable
 

The Blue Cash Everyday® Card from American Express is a no-fee rewards card that is truly ideal for grocery spending. With this card, you’ll earn 3% cash back on your first $6,000 at U.S supermarkets each year (then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores, and 1% cash back on all other purchases. Plus, there’s a intro bonus.

You can redeem your cash back as a statement credit, and use that to purchase more groceries – or anything else your heart desires. Best of all, this card will never charge an annual fee (See Rates & Fees).

Chase Freedom®

If you’re looking for a no-fee grocery card, the Chase Freedom® card is where it’s at. With this card, you’ll earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

With the average American family of four spending roughly $700 to $1,000 a month on groceries, you could easily end up hitting the quarterly $1,500 cap on bonus spending in just two months – and that’s a cool 7,500 in points, worth $75. It may not be a lot, but it’s free money!

Bank of America® Cash Rewards

The Bank of America® Cash Rewards Credit Card is another card with easy-to-earn rewards on grocery spending, a healthy signup bonus, and no annual fee. By signing up, you’ll earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.

You can redeem your cash back in the form of statement credits, and there is no need to keep track of rotating bonus categories.

The Bottom Line

While not everyone is interested in credit card rewards, everyone has to buy food. And if you’re spending a bundle at the grocery store each month anyway, why not earn some cash back in the process?

The best cash back cards for grocery stores make the process easy, offer a ton of rewards, and don’t charge fees or make you jump through a bunch of hoops. As long as you pay your bill in its entirety each month so you never pay interest on your purchases, this is the closest thing to “free money” you’ll ever find.

The Best Grocery Credit Cards of 2020: Summed up

Best for... Credit Card
Everyday Spending
Blue Cash Preferred® Card from American Express Partner Offer
Blue Cash Preferred® Card from American Express
Apply Now
No Annual Fee
Blue Cash Everyday® Card from American Express Partner Offer
Blue Cash Everyday® Card from American Express
Apply Now

Please Note: Information about the Chase Freedom® has been collected independently by TheSimpleDollar.com. The issuer did not provide the details, nor is it responsible for their accuracy.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here

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