Best Credit Cards for Groceries of 2021

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.

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.

In this article

    Blue Cash Preferred® Card from American Express

    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.

    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

    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.

    Please Note: Information about the Chase Freedom® and Blue Cash Everyday® Card from American Express and Blue Cash Preferred® Card from American Express 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

    Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

    Holly Johnson

    Contributing Writer

    Holly Johnson is a frugality expert and award-winning writer who is obsessed with personal finance and getting the most out of life. A lifelong resident of Indiana, she enjoys gardening, reading, and traveling the world with her husband and two children. In addition to The Simple Dollar, Holly writes for well-known publications such as U.S. News & World Report Travel, PolicyGenius, Travel Pulse, and Frugal Travel Guy. Holly also owns Club Thrifty.