Best Grocery Credit Cards this February 2026

What sets the Blue Cash Everyday® Card apart is its straightforward cash back structure, making it an excellent choice for those who want to earn rewards on everyday spending without the burden of an annual fee. Its 3% cash back on groceries and gas ensures that cardholders can maximize their rewards on essential purchases.

The Blue Cash Everyday® Card from American Express is ideal for those who spend on gas and groceries, offering a $200 welcome bonus after spending $2,000 in the first 6 months and a $0 annual fee.

Credit limits for the Blue Cash Everyday® Card from American Express vary based on financial circumstances, with common limits ranging from $3,000 to $10,000.

Approval for the Blue Cash Everyday® Card typically requires good credit or better, along with other financial factors.

You can choose to pay off the balance in full each month or make minimum payments, with a variable APR of 19.49%-28.49%.

The American Express® Gold Card is a premier choice for foodies and travelers, offering exceptional rewards on dining and groceries. Its extensive benefits, including dining credits and travel perks, make it a valuable asset for those who frequently dine out and travel.

The American Express® Gold Card is excellent for those who spend significantly on groceries and dining, offering great rewards for travel. It's particularly beneficial if you can meet the welcome bonus of up to 100,000 Membership Rewards points after spending $6,000 in eligible purchases within the first six months.

The American Express® Gold Card does not have a preset spending limit, providing flexible spending options unless notified otherwise.

The standout feature of the Citi Custom Cash® Card is its ability to adapt to your spending habits, automatically offering 5% cash back on your top spending category each month. This flexibility makes it an excellent choice for those who want to maximize rewards without the hassle of rotating categories.

The Citi Custom Cash® Card offers a $0 annual fee, a 0% intro APR on new purchases and balance transfers for 15 months, and a variable APR of 17.49% - 27.49%. It also provides a welcome bonus of $200 cash back after spending $1,500 in the first 6 months.

The starting credit limit for the Citi Custom Cash® Card is $500, though it may be higher based on your credit score, income, and payment history.

The card earns 5% cash back on your highest monthly spend category (up to $500 spent) and 1% on all other purchases.

The Chase Sapphire Preferred® Card is a top choice for travelers, offering robust rewards on travel and dining. Its points are highly valuable, especially when redeemed through Chase, making it an excellent option for those looking to maximize their travel rewards.

The $95 annual fee is justified if you frequently dine out or order delivery, as you earn 3 points per dollar spent on restaurants.

To qualify for the Chase Sapphire Preferred, you typically need a credit score of 740 or higher.

The Capital One Savor Cash Rewards Credit Card shines for its exceptional cash back rates on dining and entertainment, making it a perfect fit for those who frequently dine out or enjoy entertainment activities. Its lack of an annual fee adds to its appeal, providing great value for everyday spenders.

Yes, the Capital One Savor Cash Rewards Credit Card is an excellent choice with no annual fee, solid rewards, and a welcome bonus of $200 after spending $500 in the first 3 months.

Yes, it can be challenging to get approved for the Capital One Savor Cash Rewards Credit Card, as you typically need good credit and a substantial income.

The Chase Freedom Flex® card is a versatile cash back card that offers impressive rewards on rotating categories, making it ideal for those who want to maximize their cash back potential. Its no annual fee structure and generous welcome bonus further enhance its attractiveness for new cardholders.

Yes, the Chase Freedom Flex® is a good credit card for those with above-average credit, offering a $0 annual fee, a $200 bonus after spending $500 in the first 3 months, and up to 5% cash back on select purchases.

The Costco Anywhere Visa® Card by Citi is an excellent choice for Costco members, offering substantial cash back on gas and dining. Its no annual fee structure, contingent on a paid Costco membership, makes it a valuable tool for frequent shoppers at Costco.

The Costco Anywhere Visa® Card by Citi has a minimum credit limit of $500, with some cardholders reporting limits as high as $11,900, depending on creditworthiness.

The Costco Anywhere Visa® Card by Citi is typically available to individuals with excellent credit, steady income, and other specific requirements, making it challenging for some to obtain.

The Prime Visa card is a fantastic option for Amazon Prime members, offering generous cash back on Amazon purchases and related categories. Its lack of an annual fee, contingent on Prime membership, makes it a compelling choice for frequent Amazon shoppers.

Yes, the Prime Visa credit card is issued by JPMorgan Chase Bank, N.A. and is subject to credit approval.

To qualify for the Prime Visa, a good credit score of 670 or above is typically needed, though it does not guarantee approval.

The average credit limit for members with the Amazon Prime Visa is $9,496, with $500 being the most common limit.

The annual fee for the Prime Visa card is $0 with Prime membership.

The Prime Visa card offers 5% back at Amazon, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, 2% on restaurants, gas, and transit, and 1% on everything else.

The Instacart Mastercard® is tailored for frequent Instacart users, offering substantial cash back on grocery purchases made through the app. Its $0 annual fee and bonus credit upon approval make it an attractive option for those who rely on grocery delivery services.

To receive the $10 off monthly offer, place your first order with an eligible US Mastercard® credit or debit card, and you'll receive $10 off automatically after the order is delivered.

Yes, the Instacart Mastercard® is a credit card issued by JPMorgan Chase Bank, N.A. Member FDIC.

Approval odds for the Instacart Mastercard® are good if you have a credit score of 700 or higher, along with consideration of your annual income and existing debts.

You can get $0 delivery fees with Instacart+ and a $10 monthly credit by enrolling with certain credit cards, including the Instacart Mastercard®.

The Instacart Mastercard® offers 5% cash back on Instacart purchases (up to $6,000 annually) and Chase Travel, 2% on restaurants, gas, and select streaming, and 1% on other purchases.