Best Credit Cards for Groceries in 2026

Groceries are one of the biggest monthly expenses for most households. These cards offer the highest earning rates at supermarkets, wholesale clubs, and grocery stores.

How We Rank

Cards are scored using category-specific metrics - not just the generic reward rate. Each card earns points for relevant category rewards, perks, signup bonuses, fees, and benefits that matter most for this use case. Cards from any issuer or category can qualify if they score well.

#1

Blue Cash Preferred Card from American Express

by American Express

Blue Cash Preferred Card from American Express is a cashback card from American Express with a $95 annual fee, $300 back after $3,000 in 6 months, and good to excellent credit.

Why it's #1

  • 6.0% back on groceries
  • $300 signup bonus*
Annual Fee$95
Base Rate1.0%
Signup Bonus$300 back after $3,000 in 6 months
Credit Score700-850
Regular APR19.49% - 28.49%
Apply Now →Full Review →
#2

Capital One SavorOne Cash Rewards

by Capital One

Capital One SavorOne Cash Rewards is a dining card from Capital One with no annual fee, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening, and fair to good credit.

Why it's #2

  • 3.0% back on groceries
  • No annual fee
  • $250 signup bonus*
Annual FeeNone
Base Rate1.0%
Signup BonusEarn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Credit Score670-850
Regular APR18.49% - 28.49%
Apply Now →Full Review →
#3

Citi Strata Card

by Citi

Citi Strata Card is a cashback card from Citi with no annual fee, 20,000 bonus points after $1,000 in 3 months, and fair to good credit.

Why it's #3

  • 3.0% back on groceries
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate1.0%
Signup Bonus20,000 bonus points after $1,000 in 3 months
Credit Score670-850
Regular APR18.49% - 28.49%
Apply Now →Full Review →
#4

American Express Gold Card

by American Express

American Express Gold Card is a dining card from American Express with a $325 annual fee, up to 100,000 membership rewards points after $8,000 in 6 months, and good to excellent credit.

Why it's #4

  • 4.0% back on groceries
  • $1250 signup bonus*
Annual Fee$325
Base Rate1.0%
Signup BonusUp to 100,000 Membership Rewards points after $8,000 in 6 months
Credit Score700-850
Regular APR19.49% - 28.49%
Apply Now →Full Review →
#5

Bank of America Customized Cash Rewards

by Bank of America

Bank of America Customized Cash Rewards is a cashback card from Bank of America with no annual fee, $200 bonus after $1,000 in 3 months, and fair to good credit.

Why it's #5

  • 2.0% back on groceries
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate1.0%
Signup Bonus$200 bonus after $1,000 in 3 months
Credit Score670-850
Regular APR17.49% - 27.49%
Apply Now →Full Review →
#6

Citi Strata Premier Card

by Citi

Citi Strata Premier Card is a travel card from Citi with a $95 annual fee, 60,000 thankyou points after $4,000 in 3 months, and good to excellent credit.

Why it's #6

  • 3.0% back on groceries
  • $750 signup bonus*
Annual Fee$95
Base Rate1.0%
Signup Bonus60,000 ThankYou points after $4,000 in 3 months
Credit Score700-850
Regular APR20.24% - 28.24%
Apply Now →Full Review →
#7

Citi Double Cash Card

by Citi

Citi Double Cash Card is a cashback card from Citi with no annual fee, $200 cashback after $1,500 in 6 months, and good to excellent credit.

Why it's #7

  • 2.0% on everything else
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate2.0%
Signup Bonus$200 cashback after $1,500 in 6 months
Credit Score700-850
Regular APR17.49% - 27.49%
Apply Now →Full Review →
#8

Wells Fargo Active Cash Card

by Wells Fargo

Wells Fargo Active Cash Card is a cashback card from Wells Fargo with no annual fee, earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months, and fair to good credit.

Why it's #8

  • 2.0% on everything else
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate2.0%
Signup BonusEarn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
Credit Score670-850
Regular APR18.49% - 28.49%
Apply Now →Full Review →
#9

Chase Freedom Unlimited

by Chase

Chase Freedom Unlimited is a cashback card from Chase with no annual fee, $200 bonus after $500 in 3 months, and fair to good credit.

Why it's #9

  • 1.5% on everything else
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate1.5%
Signup Bonus$200 bonus after $500 in 3 months
Credit Score670-850
Regular APR18.24% - 27.74%
Apply Now →Full Review →
#10

Capital One Quicksilver Cash Rewards

by Capital One

Capital One Quicksilver Cash Rewards is a cashback card from Capital One with no annual fee, earn a $200 cash bonus, and fair to good credit.

Why it's #10

  • 1.5% on everything else
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate1.5%
Signup BonusEarn a $200 cash bonus
Credit Score640-850
Regular APR18.49% - 28.49%
Apply Now →Full Review →