Best Cash Back Credit Cards for Grocery ShoppingUpdated: August 7, 2019

Trips to the supermarket are expensive, especially when you’re spending for a family. According to data from the U.S. Department of Agriculture, the average individual spent around $200 at grocery stores per month in 2018. Those monthly expenses skyrocket for families, with the numbers showing that the average family of four spends around $550 per month on groceries alone. Overall food expenses are certainly steeper, but whether you’re dropping $2,400 or $6,600 on groceries each year, there are ways you can save.

Several cash back credit cards are tailored specifically to help you earn cash on dining costs or on your weekly trips to Harris Teeter, Giant, Safeway or any other supermarket chain in your area. By swiping at the right spots with these cards, you can earn as much as 6% cash back when paying for your food. Your supermarket VIP or loyalty membership doesn’t have to be the only way you save at the checkout counter, so let’s take a look at a few cards that will earn you some cash with your receipt.

Best cash back cards for groceries

  • Best for frequent shoppers: Blue Cash Preferred Card from American Express
  • Best for wholesale spenders: Bank of America Cash Rewards credit card
  • Best for casual diners: Capital One SavorOne Cash Rewards Credit Card
Blue Cash Preferred Card from American Express

Blue Cash Preferred® Card from American ExpressThe Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) offers an unprecedented 6% cash back at U.S. supermarkets on up to $6,000 in purchases per year (then it goes to 1%). That’s the highest sustained cash back rate of all the credit cards we’ve reviewed, making this the clear winner for cards to take on your supermarket run. It also earns 6% cash back on select U.S. streaming services, 3% cash back at U.S. gas stations. 3% cash back on transit (e.g., taxis/rideshares, parking, trolls, trains, buses and more) as well as 1% cash back on everything else. The Blue Cash Preferred Card from American Express comes with a generous $250 intro bonus that you can earn after spending $1,000 on purchases in the first 3 months of card ownership. Cardholders will also get a 12-month 0% intro APR on purchases and balance transfers (with a balance transfer fee of 3% or $5, whichever is greater). Combine all of that with American Express’ highly-rated customer service, and you have an all-around excellent credit card. This card does come with a $95 annual fee, but if you’re hitting the $6,000 annual spend on groceries, the 6% cash back you earn will total $360, more than making up for that.

Bank of America Cash Rewards credit card

Bank of America® Cash Rewards credit cardDo you get your groceries from wholesale clubs and grocery stores? If so, the Bank of America Cash Rewards credit card should pique your interest. It offers a continuous 2% cash back at wholesale clubs and grocery stores and 3% cash back on the category of your choice (up to a total of $2,500 in combined wholesale club/grocery store/choice category purchases each quarter, then 1%), along with 1% cash back on every other purchase. The 3% categories to choose from include (1) gas, (2) online shopping, (3) dining, (4) travel, (5) drug stores as well as (6) home improvement and furnishings. You can change your choice category every month, which gives you the opportunity to customize your rewards to your spending habits. Also, new cardholders who sign up online earn a $200 intro bonus after spending $1,000 on purchases in the first 90 days. The Bank of America Cash Rewards credit card also has no annual fee and a 15-billing cycle 0% intro APR on purchases and any balance transfers made in the first 60 days (with a 3% or $10 balance transfer fee, whichever is greater). Bank of America Gold, Platinum and Platinum Honors Preferred Rewards clients will get extra value out of this card, as redeeming cash back rewards into their checking or savings account will grant a 25% to 75% bonus, depending on their account status.

Capital One SavorOne Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit CardPretty much designed with foodies in mind, the Capital One SavorOne Cash Rewards Credit Card not only earns 2% cash back at grocery stores, but also 3% cash back on dining out, with no quarterly or annual spending limits. Cardholders also get 1% cash back on all other purchases. For new member benefits, there’s an intro bonus of $150 that you can earn after spending $500 on purchases within the first 3 months, and a whole host of perks from Capital One, including complimentary concierge services, no annual fee, no foreign transaction fees and extended warranties on products you buy with the card. The 0% intro APR on purchases and balance transfers applies for 15 months (balance transfers have a 3% fee), giving you ample time to pay down any purchases you make or balances you’d like to transfer. Overall, the Capital One SavorOne Cash Rewards Credit Card is a great card for people who love food.

Discover it Cash Back

Discover it® Cash BackThe Discover it Cash Back is one of our favorites and should be in every grocery store-shoppers credit card arsenal. This card offers an incredibly generous 5% cash back on rotating quarterly categories (up to the quarterly max, currently $1,500, then 1% back) and 1% cash back on everything else. The categories for 2019 work well for anyone who spends heavily at the grocery store. The 5% cash back applied to grocery stores from January to March; gas stations, Uber and Lyft from April to June; restaurants and PayPal from July to September; as well as Amazon.com, Target and Walmart.com from October to December. The key thing to remember is to sign up for the 5% back each quarter. Discover offers automatic reminder emails to help you remember to register through your online account.

If none of these cards match your needs, check out our reviews of the best rewards credit cards and compare these offers with others to find the card that’s the perfect fit for you.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.