Best Credit Cards for Groceries of 2026

The best credit card for groceries is the Blue Cash Preferred Card from American Express. This card offers 6% cash back on groceries and streaming services, making it a top choice for those looking to save money on their supermarket purchases. In addition to the grocery rewards, the Blue Cash Preferred Card also offers car rental coverage, emergency travel assistance, and purchase and extended warranties. With a $95 annual fee and variable APRs ranging from 19.49% to 28.49%, this card provides strong incentives for new customers. It also offers a sign-up bonus of $300 after spending $3,000 within six months.

Another excellent option for earning rewards on groceries is the American Express Gold Card. This card offers 4x points on dining and groceries, along with a sign-up bonus of 100,000 points after spending $6,000 in the first six months. The annual fee for the American Express Gold Card is $325, and the APRs range from 19.49% to 28.49%. However, there is no foreign transaction fee, making it a good choice for those who travel internationally.

For those who prefer a card with no annual fee, the co-branded credit cards from U.S. Bank are a great option. These cards offer up to 5% cash back on groceries at select grocery stores, along with 1% cash back on all other purchases. The variable APRs range from 17.49% to 30.49%, and customers can earn a $100 statement credit when they spend $500 within the first 90 days of opening an account.

If you frequently use Instacart for your grocery shopping, the Instacart Mastercard from Chase is worth considering. This card offers 5% cash back on qualifying Instacart purchases, along with 5% cash back on Chase Travel purchases and 2% cash back at restaurants and gas stations. There is no annual fee or foreign transaction fee, and cardholders receive a $50 Instacart credit upon approval.

Finally, the Savor Rewards Card from Capital One is another great option for earning rewards on groceries. This card offers unlimited 3% cash back on groceries, along with a $200 cash bonus for new customers who spend $500 within the first three months. The Savor Rewards Card has no annual fee and provides a 0% introductory APR for the first 12 months.

In conclusion, there are several excellent credit cards available for earning rewards on groceries. Whether you prefer cash back, points, or other perks, there is a card that will meet your needs and help you save money on your supermarket purchases.