Why Grocery Rewards Matter
The best grocery credit cards 2025 help U.S. shoppers earn valuable cash back on everyday supermarket purchases. Groceries are one of the largest recurring expenses for American households, and with the right rewards card, your weekly food shopping can actually save you money instead of costing more.
If you’re spending $500–$800 a month on groceries, choosing a credit card with high grocery rewards could earn you hundreds of dollars in cash back annually. The challenge is picking the best card for your lifestyle since different cards offer different reward structures, bonus categories, and fees.
In this guide,With the best grocery credit cards 2025, families can turn everyday food expenses into meaningful savings.
How Grocery Cash Back Credit Cards Work
Grocery cash back cards reward you with a percentage of your spending every time you buy food at qualifying supermarkets. Here’s how they generally work:
- Cash Back Rate: Many of the best grocery credit cards 2025 give 2%–6% cash back at major U.S. supermarkets, helping you save money on essentials every month.
- Annual Fee: Some cards offer no annual fee, while premium cards with higher rewards may charge $95 or more.
- Reward Caps: Some cards cap rewards (e.g., first $6,000 per year in grocery purchases).
- Redemption Options: Cash back can usually be redeemed as statement credits, direct deposits, gift cards, or even travel points.
Knowing these basics makes it easier to select a card that fits your household spending habits.
Best Credit Cards for Everyday Groceries in 2025
Below we’ve compared some of the best grocery credit cards 2025 for U.S. consumers who want to maximize cash back on food shopping.
1. Blue Cash Preferred® Card from American Express
This Amex option consistently ranks among the best grocery credit cards 2025 for high supermarket cash back rates.
- Grocery Rewards: 6% cash back on U.S. supermarkets (up to $6,000 per year, then 1%).
- Other Rewards: 6% on select U.S. streaming, 3% on transit and gas, 1% everywhere else.
- Annual Fee: $95.
- Welcome Offer: Earn $250 statement credit after spending $3,000 in the first 6 months.
- Why It’s Great for Groceries: With one of the highest cash back rates on supermarkets, this card is ideal for families who spend a lot on groceries.
2. Citi Custom Cash℠ Card
Ideal for flexible spenders, it’s also one of the best grocery credit cards 2025 if your top category changes each month.
- Grocery Rewards: 5% cash back on your top spending category (up to $500 per month, then 1%).
- Other Rewards: 1% on all other purchases.
- Annual Fee: $0.
- Welcome Offer: $200 cash back after spending $1,500 in the first 6 months.
- Why It’s Great for Groceries: Automatically adjusts to your top spending category—perfect for months when groceries dominate your budget.
3. Chase Freedom Unlimited®
- Grocery Rewards: 3% cash back on dining and drugstores, plus rotating 5% categories (sometimes includes groceries).
- Other Rewards: 1.5% cash back on all other purchases.
- Annual Fee: $0.
- Welcome Offer: $200 bonus after $500 spend in 3 months.
- Why It’s Great for Groceries: While not always dedicated to supermarkets, the rotating categories can unlock big savings.
4. Capital One SavorOne® Cash Rewards
A solid no-fee choice that deserves a spot in any list of the best grocery credit cards 2025.
- Grocery Rewards: 3% cash back at supermarkets (excluding Walmart/Target).
- Other Rewards: 3% on dining, entertainment, streaming, and 1% everywhere else.
- Annual Fee: $0.
- Welcome Offer: $200 cash bonus after $500 spend in 3 months.
- Why It’s Great for Groceries: Balanced option with broad lifestyle rewards beyond groceries.
5. Bank of America® Customized Cash Rewards Card
- Grocery Rewards: 2% cash back at grocery stores & wholesale clubs (up to $2,500 combined per quarter).
- Other Rewards: 3% cash back in a chosen category (gas, dining, online shopping, etc.).
- Annual Fee: $0.
- Welcome Offer: $200 online cash rewards after $1,000 spend in 90 days.
- Why It’s Great for Groceries: Flexibility with your 3% category, making it a versatile card for everyday spending.
Comparison Table – Grocery Cash Back Cards
| Credit Card | Grocery Cash Back | Annual Fee | Bonus Offer | Other Rewards |
| Amex Blue Cash Preferred® | 6% (up to $6,000/year) | $95 | $250 after $3,000 spend | Gas, Transit, Streaming |
| Citi Custom Cash℠ | 5% (up to $500/month) | $0 | $200 after $1,500 spend | Auto-adjusts category |
| Chase Freedom Unlimited® | 1.5%–5% (rotating categories) | $0 | $200 after $500 spend | Dining, Drugstores |
| Capital One SavorOne® | 3% unlimited | $0 | $200 after $500 spend | Dining, Entertainment |
| Bank of America® Customized | 2% (up to $2,500/quarter) | $0 | $200 after $1,000 spend | 3% in chosen category |
How to Choose the Right Grocery Rewards Card
- Spending Habits: If you spend over $500 per month on groceries, a higher percentage card like the Amex Blue Cash Preferred® is ideal.
- Annual Fee vs. Rewards: A $95 fee may be worth it if your grocery spending is high enough to offset the cost.
- Bonus Categories: If you also spend heavily on dining, gas, or streaming, look for cards with multiple bonus categories.
- Reward Caps: Be mindful of caps on rewards, as hitting them may reduce your effective cash back.
Tips to Maximize Grocery Cash Back
Whichever of the best grocery credit cards 2025 you choose, combine it with grocery store loyalty apps or digital coupons for extra rewards.
- Use Multiple Cards: Pair a grocery card with another rewards card (like one for gas or dining).
- Stack Rewards: Combine credit card cash back with grocery store loyalty programs or apps like Ibotta.
- Track Spending Caps: Avoid overspending past reward limits where the cash back drops.
- Pay in Full: Always pay your balance to avoid interest charges that wipe out your rewards.
FAQs About Grocery Cash Back Credit Cards
Here are answers to the most common questions about the best grocery credit cards 2025 and how they work in the U.S.
Q1: What credit card gives the best cash back for groceries?
The Blue Cash Preferred® from Amex is often the best for high grocery spenders, offering 6% cash back.
Q2: Do Walmart and Target count as grocery stores?
Most credit cards exclude superstores like Walmart, Target, and Costco from “grocery” categories. Always check card terms.
Q3: Which card is best for groceries and gas?
Cards like the Amex Blue Cash Preferred® or Citi Custom Cash℠ are strong options if you spend in both categories.
Q4: Are there grocery rewards cards with no annual fees?
Yes! Options like the Citi Custom Cash℠, Capital One SavorOne®, and Chase Freedom Unlimited® charge no annual fees.
Q5: Can I earn rewards at wholesale clubs like Costco or Sam’s Club?
Some cards like the Bank of America® Customized Cash Rewards allow rewards at wholesale clubs, but many don’t.
Conclusion: Pick the Right Card and Save on Every Trip
The best grocery credit cards 2025 can turn regular supermarket trips into savings opportunities. Whether you prefer Amex, Citi, or Capital One, choosing wisely means real cash back on everyday purchases.
Every trip to the supermarket is an opportunity to save money if you’re using the right credit card. Whether you prefer a premium rewards card with a high annual fee like the Amex Blue Cash Preferred® or a no-fee option like Citi Custom Cash℠, there’s a perfect match for every household.
By choosing wisely and combining rewards strategies, you could save hundreds of dollars per year on groceries. With food costs rising, these savings add up quickly and can make a real difference in your budget.
About the Author
Behzad Aslam is the founder of BehzadAslam.com, where he shares practical tips about credit, money management, and financial growth. His goal is to help readers make smarter financial decisions.