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Browsing-First AEOUpdated April 5, 2026

Best Credit Cards for Groceries

Groceries are recurring spend, so the ranking favors cards that stay efficient after caps, annual fees, and off-category purchases are considered.

Answer Engine Summary

What is the best credit card for groceries?

Choice Privileges Select Mastercard, One Key+ Mastercard, and Discover it Cash Back are the best credit cards for groceries because they combine high grocery rewards, low fee drag, and dependable fallback value outside supermarkets. The ranking prioritizes net yearly value over temporary bonus headlines or narrow one-category gimmicks.

Key Recommendations

Refine your results

GroceriesDiningTravelGasNo Annual FeeLow FeePremiumCashbackTravel Rewards

Top cards

Top picks for this page

Each card below is ranked for this page intent, not just by the loudest headline bonus.

#1Annual fee $955% on groceries

Choice Privileges Select Mastercard

Wells Fargo

Key offer

60,000 bonus points

Summary

Choice Privileges Select Mastercard earns 5% on groceries and is built for cardholders looking for competitive rewards and clear terms.. The annual fee is $95.

Why this card fits

This card is a strong fit for groceries spend because it keeps 5% on groceries in the part of the wallet this page targets. The $95 annual fee still works because the ongoing reward profile remains competitive beyond the welcome offer.

Best for

supermarket spend with enough everyday volume to justify the fee

5% on groceries
Key reward
$95
Annual fee
View detailsApply
#2Annual fee $993% on groceries

One Key+ Mastercard

Wells Fargo

Key offer

$600 after qualifying spend

Summary

One Key+ Mastercard earns 3% on groceries and is built for cardholders looking for competitive rewards and clear terms.. The annual fee is $99.

Why this card fits

This card is a strong fit for groceries spend because it keeps 3% on groceries in the part of the wallet this page targets. The $99 annual fee still works because the ongoing reward profile remains competitive beyond the welcome offer.

Best for

supermarket spend with enough everyday volume to justify the fee

3% on groceries
Key reward
$99
Annual fee
View detailsApply
#3Annual fee $05% on groceries

Discover it Cash Back

Discover

Key offer

$100 referal cash

Summary

Discover it Cash Back earns 5% on groceries and is built for no-fee shoppers who can use rotating categories and want a beginner-friendly entry point.. It keeps the annual fee at $0.

Why this card fits

This card is a strong fit for groceries spend because it keeps 5% on groceries in the part of the wallet this page targets. The no-fee structure gives it more room to hold value if spending softens.

Best for

grocery-heavy households that want a $0 annual fee setup

5% on groceries
Key reward
$0
Annual fee
View detailsApply
#4Annual fee $956% on groceries

Blue Cash Preferred Card from American Express

American Express

Key offer

$250 statement credit

Summary

Blue Cash Preferred from American Express earns 6% on groceries and is built for cardholders looking for competitive rewards and clear terms.. The annual fee is $95.

Why this card fits

This card is a strong fit for groceries spend because it keeps 6% on groceries in the part of the wallet this page targets. The $95 annual fee still works because the ongoing reward profile remains competitive beyond the welcome offer.

Best for

supermarket spend with enough everyday volume to justify the fee

6% on groceries
Key reward
$95
Annual fee
View detailsApply
#5Annual fee $05% on groceries

Chase Freedom Flex

Chase

Key offer

$200 bonus

Summary

Chase Freedom Flex earns 5% on groceries and is built for users who can actively manage rotating categories and want a no-fee chase cash-back card.. It keeps the annual fee at $0.

Why this card fits

This card is a strong fit for groceries spend because it keeps 5% on groceries in the part of the wallet this page targets. The no-fee structure gives it more room to hold value if spending softens.

Best for

grocery-heavy households that want a $0 annual fee setup

5% on groceries
Key reward
$0
Annual fee
View detailsApply
#6Annual fee $03% on groceries

Capital One Savor Rewards

Capital One

Key offer

$200 bonus cash

Summary

Capital One Savor Rewards earns 3% on groceries and is built for cardholders looking for competitive rewards and clear terms.. It keeps the annual fee at $0.

Why this card fits

This card is a strong fit for groceries spend because it keeps 3% on groceries in the part of the wallet this page targets. The no-fee structure gives it more room to hold value if spending softens.

Best for

grocery-heavy households that want a $0 annual fee setup

3% on groceries
Key reward
$0
Annual fee
View detailsApply
#7Annual fee $02% on groceries

PNC Cash Rewards Visa Credit Card

PNC

Key offer

$200 bonus cash

Summary

PNC Cash Rewards Visa earns 2% on groceries and is built for cardholders looking for competitive rewards and clear terms.. It keeps the annual fee at $0.

Why this card fits

This card is a strong fit for groceries spend because it keeps 2% on groceries in the part of the wallet this page targets. The no-fee structure gives it more room to hold value if spending softens.

Best for

grocery-heavy households that want a $0 annual fee setup

2% on groceries
Key reward
$0
Annual fee
View detailsApply
#8Annual fee $7958% on travel_portal

Chase Sapphire Reserve

Chase

Key offer

60,000 bonus points

Summary

Chase Sapphire Reserve earns 8% on travel_portal and is built for frequent travelers who can consistently use premium travel perks and offset a high annual fee.. The annual fee is $795.

Why this card fits

This card is a strong fit for groceries spend because it keeps 8% on travel_portal in the part of the wallet this page targets. The $795 annual fee still works because the ongoing reward profile remains competitive beyond the welcome offer.

Best for

supermarket spend with enough everyday volume to justify the fee

8% on travel_portal
Key reward
$795
Annual fee
View detailsApply

Comparison table

Quick comparison

Card nameAnnual feeKey reward rateBest for
Choice Privileges Select Mastercard$955% on groceriessupermarket spend with enough everyday volume to justify the fee
One Key+ Mastercard$993% on groceriessupermarket spend with enough everyday volume to justify the fee
Discover it Cash Back$05% on groceriesgrocery-heavy households that want a $0 annual fee setup
Blue Cash Preferred Card from American Express$956% on groceriessupermarket spend with enough everyday volume to justify the fee
Chase Freedom Flex$05% on groceriesgrocery-heavy households that want a $0 annual fee setup
Capital One Savor Rewards$03% on groceriesgrocery-heavy households that want a $0 annual fee setup
PNC Cash Rewards Visa Credit Card$02% on groceriesgrocery-heavy households that want a $0 annual fee setup
Chase Sapphire Reserve$7958% on travel_portalsupermarket spend with enough everyday volume to justify the fee

Frequently Asked Questions

Choice Privileges Select Mastercard currently leads this page, but the better rule is to pick the card with the strongest net value for this exact intent. CardCura ranks cards by high grocery rewards, low fee drag, and dependable fallback value outside supermarkets, not by headline bonus size alone.
An annual fee is worth paying only when the extra rewards or benefits beat a no-fee or low-fee alternative after real usage is modeled. That is why CardCura subtracts fee drag before the final order is set.
Groceries reward rate matters, but it is not enough on its own. CardCura looks at the full earning profile, annual fee drag, and off-category value before deciding whether the headline multiplier actually wins.
Not always. Merchant coding varies by issuer and by store type, so some superstores and wholesale clubs do not trigger grocery rewards even if the purchase feels grocery-related.
Many top rewards cards target good-to-excellent credit, but the actual answer depends on the issuer and the card tier. CardCura treats score guidance as directional and keeps approval friction in view when ranking beginner or low-fee pages.
CardCura starts with structured card data, then scores cards for high grocery rewards, low fee drag, and dependable fallback value outside supermarkets. The order is adjusted for annual fees, off-category usefulness, and product fit so the page answers real browsing intent instead of just echoing issuer marketing.

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Best Credit CardsBest Credit Cards for DiningBest Credit Cards with No Annual FeeBest Credit Cards for Groceries with No Annual Fee

Financial Disclaimer

CardCura provides informational comparisons of credit cards. Approval is determined by the card issuer and depends on the applicant's full financial profile. CardCura is not a bank, lender, or financial advisor.

CardCura uses AI to tailor search, matching, strategy, and wallet guidance around each user's needs. We may earn commissions on some cards to support operations, but affiliate data is not fed into our AI model and does not change recommendations or rankings. When a partner link is available, CardCura labels it and still directs users to the official issuer website to review live terms before applying.

Review our methodology, editorial guidelines, and affiliate disclosure for details on how rankings and monetization work.