1.Blue Cash Preferred® Card from American Express
American Express
- 6%Cash back at U.S. Supermarkets on up to $6K per year
- 3%Cash back on gas and transit
- 1%Cash back on all other purchases
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 6 months from account opening.
Earn 6% cash back at U.S. Supermarkets on up to $6K per year in purchases. Enjoy cash back on everyday spending such as streaming, gas, transit, and more.
18.74%-28.74% Variable APR
The Blue Cash Preferred® Card stands out as the top choice because it offers an impressive 6% cash back on groceries, making it ideal for families and frequent shoppers. With a generous welcome bonus and no annual fee for the first year, it provides exceptional value for those who spend heavily in everyday categories.
Pros:
- High cash back on groceries
- No annual fee for the first year
Cons:
- Annual fee after the first year
- Cap on grocery cash back
2.American Express® Gold Card
American Express
- 4%Points on Restaurants Worldwide
- 4%Points at U.S. supermarkets
- 1%Points on all other purchases
Earn 100,000 Membership Rewards points after you spend $8,000 in eligible purchases within your first 6 months of card membership.
Earn 4X Membership Rewards® points on Restaurants Worldwide and at U.S. supermarkets.
19.49%-28.49% Variable APR
What sets the American Express® Gold Card apart is its exceptional earning potential on dining and groceries, making it a favorite among food enthusiasts. With a substantial welcome bonus and a robust rewards structure, it caters to those who prioritize dining experiences and grocery shopping.
Pros:
- High rewards on dining
- Flexible points redemption
Cons:
- High annual fee
- Requires significant spending to maximize rewards
3.Blue Cash Everyday® Card from American Express
American Express
- 3%Cash back at U.S. Supermarkets
- 3%Cash back at U.S. Gas Stations
- 3%Cash back on U.S. Online Retail purchases
- 1%Cash back on all other purchases
Earn a one-time $200 cash bonus once you spend $2,000 on purchases within the first 6 months from account opening.
Earn 3% cash back at U.S. Supermarkets, U.S. Gas Stations, and on U.S. Online Retail purchases.
19.49%-28.49% Variable APR
The standout feature here is the Blue Cash Everyday® Card's no annual fee, making it an excellent choice for those who want to earn cash back without the burden of a yearly cost. With solid rewards on everyday spending categories, it appeals to budget-conscious consumers looking for value.
Pros:
- No annual fee
- Good cash back on everyday purchases
Cons:
- Lower rewards rate compared to competitors
- Caps on higher cash back categories
4.Capital One Savor Cash Rewards Credit Card
Capital One
- 3%Cash back on dining
- 3%Cash back on entertainment
- 3%Cash back on grocery stores
- 1%Cash back on all other purchases
Earn a $200 cash bonus after you spend $500 on purchases within the first 3 months of account opening.
Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores.
18.49%-28.49% Variable APR
This card shines for its generous cash back on dining and entertainment, making it a top pick for foodies and social butterflies. With no annual fee and a straightforward rewards structure, it offers great value for those who frequently dine out or enjoy entertainment activities.
Pros:
- High cash back on dining and entertainment
- No annual fee
Cons:
- Lower rewards on non-bonus categories
- Requires spending to maximize rewards
5.Prime Visa
Chase
- 5%Cash back at Amazon and Whole Foods
- 2%Cash back at gas stations
- 1%Cash back on all other purchases
Earn a $150 Amazon Gift Card upon approval.
Earn unlimited 5% back on Amazon, Whole Foods, and Chase Travel.
18.74%-29.99% Variable APR
The Prime Visa is a great option for Amazon Prime members, offering substantial rewards on Amazon purchases. With no annual fee and a straightforward cash back structure, it provides excellent value for those who frequently shop at Amazon and Whole Foods.
Pros:
- High rewards for Amazon Prime members
- No annual fee
Cons:
- Requires Amazon Prime membership
- Limited to specific retailers for high rewards
6.Bank of America® Customized Cash Rewards credit card
Bank of America
- 6%Cash back in the category of your choice for the first year
- 3%Cash back on grocery store and wholesale club spending
- 1%Cash back on all other purchases
Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back in the category of your choice for the first year.
17.49%-27.49% Variable APR
The Bank of America® Customized Cash Rewards card is appealing for its flexibility, allowing cardholders to choose their highest cash back category. With a generous welcome bonus and no annual fee, it’s a solid choice for those looking to maximize their rewards.
Pros:
- Flexible cash back categories
- No annual fee
Cons:
- Requires spending to maximize rewards
- Limited to first-year bonus
- 6%Cash back on first $1,500 in combined purchases at two retailers
- 2%Cash back on one everyday category
- 1%Cash back on all other purchases
Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
Earn 6% cash back on your first $1,500 in combined purchases at two retailers of your choice.
18.74%-28.74% Variable APR
The U.S. Bank Shopper Cash Rewards card was known for its high cash back rates on selected retailers, making it a favorite among frequent shoppers. However, with its discontinuation for new applicants, existing cardholders may need to consider alternatives for future rewards.
Pros:
- High cash back on selected retailers
- Significant welcome bonus
Cons:
- Annual fee after the first year
- Discontinued for new applicants
Did you know?
Before you apply, look up credit card basics like APR and fees in our Financial Dictionary. Rewards pay off most when your real spending already hits the card's bonus categories.
Final Words
As you navigate the options for grocery credit cards this September, remember to prioritize rewards that align with your spending habits. Take time to compare the benefits and fees of each card to make an informed decision that maximizes your savings and enhances your shopping experience.
Frequently Asked Questions
The Blue Cash Preferred® Card from American Express offers a welcome bonus of Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 6 months from account opening. It also provides a reward rate of Earn 6% cash back at U.S. Supermarkets on up to $6K per year in purchases.
With the American Express® Gold Card, you can Earn 100,000 Membership Rewards points after you spend $8,000 in eligible purchases within your first 6 months of card membership. Additionally, the card allows you to Earn 4X Membership Rewards® points on Restaurants Worldwide and at U.S. supermarkets.
The Blue Cash Everyday® Card from American Express provides a welcome bonus of Earn a one-time $200 cash bonus once you spend $2,000 on purchases within the first 6 months from account opening. You can also Earn 3% cash back at U.S. Supermarkets, U.S. Gas Stations, and on U.S. Online Retail purchases.
Grocery credit cards can provide significant savings through cash back and rewards, especially for frequent shoppers. The value you gain depends on your spending habits and the specific rewards structure of the card you choose.
When selecting a grocery credit card, evaluate factors such as annual fees, welcome bonuses, and the reward rates for grocery purchases. Additionally, consider how the card's rewards fit with your overall spending habits and whether the benefits outweigh any associated costs.
Many grocery credit cards come with no annual fee, making them an attractive option for consumers. However, some cards with higher rewards rates may charge an annual fee, so it's important to weigh the fee against the potential rewards.
Applying for a grocery credit card typically involves filling out an online application through the card issuer's website. You'll need to provide personal information, including your income and credit history, to determine your eligibility.
