1.American Express Nectar Credit Card
American Express
- 3%Points at Nectar partners
- 2%Points on other purchases
Earn 20,000 bonus Nectar points when you spend £2,000 in your first three months of Cardmembership.
Collect 2 points for every full £1 spent on the card, plus collect points when you shop elsewhere. Earn 3 points per £1 at Nectar partners.
36.1% APR variable
The American Express Nectar Credit Card stands out as the top choice because it offers an impressive points earning structure, especially for those who frequently shop at Nectar partners like Sainsbury's and Argos. With a generous welcome bonus and no annual fee in the first year, it provides excellent value for new cardholders.
Pros:
- High points earning potential at Nectar partners
- No annual fee in the first year
Cons:
- Annual fee applies after the first year
- Requires a minimum spend to earn the welcome bonus
2.John Lewis Partnership Credit Card
John Lewis
- 5%Points at John Lewis and Waitrose
- 1%Points on other purchases
Earn double points for the first 60 days on eligible spend at John Lewis and Waitrose.
5 points per £4 at John Lewis and Waitrose, 1 point per £10 elsewhere.
29.9% Variable APR
A key differentiator for the John Lewis Partnership Credit Card is its ability to earn double points for the first 60 days, making it a great option for new customers looking to maximize their rewards at John Lewis and Waitrose.
Pros:
- Double points for the first 60 days
- No annual fee
Cons:
- Limited to John Lewis and Waitrose for maximum rewards
- Points may take time to accumulate
3.M&S Bank Rewards Credit Card
M&S Bank
- 1%Points at M&S
- 0.2%Points elsewhere
Earn 4,000 bonus points (worth £40 in M&S vouchers) when you spend £1,000 in the first 3 months.
Earn 1 point per £1 at M&S and 1 point per £5 elsewhere.
23.9%-24.9% APR variable
This card excels with its welcome bonus of 4,000 points, allowing new cardholders to quickly earn rewards that can be redeemed for M&S vouchers, making it a great choice for frequent shoppers.
Pros:
- Generous welcome bonus
- No annual fee
Cons:
- Lower rewards rate outside M&S
- Limited to M&S for maximum points
4.Amazon Barclaycard Rewards
Barclaycard
- 2%Back on Amazon purchases during Prime events
- 1%Back on Amazon.co.uk purchases
- 0.5%Back on other purchases
- 0.25%Back on other purchases after 12 months
Get a £20 Amazon Gift Card, added to the Amazon account you applied from, if we approve your application.
1% back on Amazon.co.uk purchases, 2% during select Prime events, and 0.5% elsewhere.
28.9% Representative APR
The standout feature here is the ability to earn up to 2% back on Amazon purchases during Prime events, making it an attractive option for frequent Amazon shoppers. Coupled with a £20 welcome bonus, it offers immediate value upon approval.
Pros:
- No annual fee
- Significant rewards on Amazon purchases
Cons:
- Lower rewards rate after 12 months
- Requires app management
Final Words
As you explore the best grocery credit cards this February 2026, remember that choosing the right card can significantly enhance your savings and rewards. Take time to compare your options and make informed decisions that align with your spending habits and financial goals.
Frequently Asked Questions
The American Express Nectar Credit Card offers a welcome bonus of 20,000 bonus Nectar points when you spend £2,000 in your first three months of Cardmembership. You can collect 2 points for every full £1 spent on the card, plus collect points when you shop elsewhere, earning 3 points per £1 at Nectar partners.
With the John Lewis Partnership Credit Card, you can earn double points for the first 60 days on eligible spend at John Lewis and Waitrose. After that, you earn 5 points per £4 spent at John Lewis and Waitrose, and 1 point per £10 spent elsewhere.
The M&S Bank Rewards Credit Card gives you a welcome bonus of 4,000 bonus points (worth £40 in M&S vouchers) when you spend £1,000 in the first 3 months. You earn 1 point for every £1 spent at M&S and 1 point for every £5 spent elsewhere.
Many grocery credit cards, including the top options like the American Express Nectar Credit Card, John Lewis Partnership Credit Card, and M&S Bank Rewards Credit Card, come with no annual fees. This makes them accessible for most consumers looking to earn rewards on their grocery purchases.
To select the best grocery credit card, consider factors such as the rewards rate, welcome bonuses, and whether the card has an annual fee. Also, think about your shopping habits, such as where you primarily shop, to maximize your rewards.
When applying for a credit card, ensure you meet the eligibility criteria, which often includes age, residency, and income requirements. It's also wise to check your credit score beforehand, as a higher score can increase your chances of approval.
The average APR for grocery credit cards can vary, but the top cards currently range from 23.9% to 36.1% APR variable. It's important to review the APR details of each card, especially if you plan to carry a balance.
Yes, many grocery credit cards allow you to earn rewards on non-grocery purchases as well. For example, the American Express Nectar Credit Card earns 2 points for every full £1 spent on the card, while the John Lewis Partnership Credit Card earns 1 point per £10 spent elsewhere.
