2026 editor's picks

Best Credit Card for Groceries in 2026

You spend $400–$800/month at U.S. supermarkets and want a card that turns that into real rewards.

Groceries are the largest consistent household expense for most families. A 3–4% earn rate on $600/month in grocery spending generates $216–$288 in annual rewards - easily justifying most annual fees. The key decision: do you want cash back on groceries, or transferable points?

American Express

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Gold Card

Gold

American Express

Gold Card

Built for the household that cooks, orders in, and sometimes goes out - which is most households.

Four points per dollar on every restaurant in the world is, on its own, the strongest single earning category in the entire credit-card market. Add the same rate at U.S. supermarkets up to twenty-five thousand a year and the math fits the way most households actually spend. The $325 annual fee is real, but Membership Rewards transfer to airline partners at often outsized value, and the dining and Uber credits exist for the people willing to use them.

Earn rates

dining worldwide ×4

us supermarkets to 25k ×4

flights booked direct ×3

everything else ×1

Who it's forSpends $400+/month combined on groceries and dining, willing to use coupon-style credits, comfortable with Amex's pay-over-time charge model.

Apply at American Express → Full review

Terms · As of 2026-05-03 Annual fee $325. APR 21.49–29.49% Variable (pay-over-time on eligible charges). Foreign-transaction fee none. Signup bonus 60,000 Membership Rewards after $6,000 in 6 months. Verify current terms on the issuer's site before applying.

American Express

•••• •••• •••• 5638

Gold Card

Gold

American Express

Gold Card

Earns serious rewards on dining globally and US supermarkets – period.

The American Express Gold Card breaks even at $1,625 in annual spend with its restaurant rewards. This card is for heavy travelers and grocery shoppers with good-to-excellent credit who don't mind the $325 fee. The biggest trade-off is giving up flexible APR terms.

Earn rates

restaurants globally ×4

us supermarkets ×4

flights amex or direct ×3

everything else ×1

Who it's forA mid-tier professional with excellent credit, spending at least $1,625 annually in restaurants and US supermarkets, can max the Gold Card's benefits.

Apply at American Express → Full review

Terms · As of 2026-05-06 Annual fee $325. APR See terms (charge card). Foreign-transaction fee none. Signup bonus 60,000 points after $6,000 in 6 months. Verify current terms on the issuer's site before applying.

American Express

•••• •••• •••• 5691

Blue Cash Everyday

American Express

Blue Cash Everyday

Three percent on the categories every household actually spends in. No annual fee.

Three percent at U.S. supermarkets, gas stations, and online retail - three of the most universal spending categories - with no annual fee. The cap of $6,000 per category per year is real but generous: that is $360 in cashback before the rate drops to 1%. Most households will hit one cap and not the other, and the rate still beats every flat-rate card in the meantime. The 2.7% foreign-transaction fee disqualifies it as a travel card; this is a card you use at home.

Earn rates

us supermarkets to 6k ×3

us gas stations to 6k ×3

us online retail to 6k ×3

everything else ×1

Who it's forHouseholds spending $300+/month on groceries OR gas OR online shopping, doesn't travel internationally.

Apply at American Express → Full review

Terms · As of 2026-05-03 Annual fee $0. APR 19.24-29.99% Variable. Foreign-transaction fee 2.7%. Signup bonus $200 statement credit after $2,000 in 6 months. Verify current terms on the issuer's site before applying.

Chase

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Freedom Flex

Chase

Freedom Flex

Earns 5x points on up to $1,500 spent in rotating categories every quarter, no strings attached.

You'll need $500 in spend within 3 months to break even on the sign-up bonus, but if you're already planning a big purchase or have consistent travel expenses, the Chase Freedom Flex can be a solid choice. Good-to-excellent credit holders with moderate spending habits will appreciate the rotating categories and lack of annual fee. The real trade-off is the high APR – make sure to pay off balances in full each month.

Earn rates

rotating 5pct categories ×5

travel via chase ×5

dining drugstores ×3

everything else ×1

Who it's forThe Chase Freedom Flex is perfect for good-to-excellent credit holders who spend around $2,000-$3,000 per month, have some travel expenses, and take advantage of the quarterly 5x earning categories to maximize their rewards.

Apply at Chase → Full review

Terms · As of 2026-05-06 Annual fee $0. APR 19.99–28.99% Variable. Foreign-transaction fee 3%. Signup bonus $200 after $500 in 3 months. Verify current terms on the issuer's site before applying.

Bank of America

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Customized Cash Rewards

Customized Cash

Bank of America

Customized Cash Rewards

Earns 3% cashback on one category of your choice, but that's about it.

The Bank of America Customized Cash Rewards card earns a decent 3% cashback on your chosen category, but only if you spend $1,000 in that area within the first year to get the signup bonus. It's not the best card for big spenders or those with poor credit, since its rewards aren't particularly lucrative and it has a relatively high APR. If you're disciplined about using your chosen category wisely, this card can pay for itself.

Earn rates

chosen category ×3

grocery wholesale ×2

everything else ×1

Who it's forThis card is ideal for someone with good-to-excellent credit who regularly spends around $1,000 per quarter in a single area, such as groceries or gas.

Apply at Bank of America → Full review

Terms · As of 2026-05-06 Annual fee $0. APR 18.24–28.24% Variable. Foreign-transaction fee 3%. Signup bonus $200 after $1,000 in 90 days. Verify current terms on the issuer's site before applying.

U.S. Bank

•••• •••• •••• 8989

Cash+ Visa Signature

Cash+

U.S. Bank

Cash+ Visa Signature

Earns generous rewards in just 2 select categories, period.

This card's math works out if you spend $3,000+ in your two chosen categories annually. It's for people with good-to-excellent credit scores (700+) who put their groceries or dining bills on the card. The trade-off is a mediocre earn rate everywhere else.

Earn rates

two chosen categories ×5

one everyday category ×2

everything else ×1

Who it's forSomeone who spends over $3,000 annually in categories like groceries and gas should carry this no-annual-fee card.

Apply at U.S. Bank → Full review

Terms · As of 2026-05-06 Annual fee $0. APR 19.74–29.74% Variable. Foreign-transaction fee 3%. Signup bonus $200 after $1,000 in 120 days. Verify current terms on the issuer's site before applying.

Frequently asked questions

Which card earns the most on groceries?

The American Express Gold Card earns 4x Membership Rewards at U.S. supermarkets (up to $25,000/year), making it the top grocery earner - though the $325 annual fee requires consistent grocery spend to justify.

What's the best no-fee grocery card?

The Amex Blue Cash Everyday earns 3% cash back at U.S. supermarkets with no annual fee, up to $6,000/year. For pure grocery earners who want simple cash back, it's hard to beat.

Do warehouse clubs like Costco count as supermarkets?

No - Costco, Sam's Club, and Walmart are not coded as supermarkets and earn at the base rate on most cards. Target, Whole Foods, and traditional grocery chains do count.

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