Best Cash Back Cards for Groceries

Grocery cards compared

Blue Cash Preferred: highest rate for supermarket shoppers

You earn 6% at U.S. supermarkets on up to $6,000 a year, then 1%. At the cap that's $360. The card also pays 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations, and 3% on transit. The $95 annual fee kicks in after year one.

Against the no-fee Blue Cash Everyday, the Preferred pays for itself at roughly $3,170 a year in supermarket spending, about $61 a week. Details are in our Amex cash back comparison.

Capital One Savor: uncapped 3%

Savor pays 3% at grocery stores with no cap stated, and the same 3% on dining, entertainment and popular streaming. It has no annual fee and no foreign transaction fee. For a household that spends well past $6,000 a year on groceries, the lack of a cap narrows the gap with Amex. See also best dining cards.

Blue Cash Everyday and BofA Customized Cash

Blue Cash Everyday pays 3% at U.S. supermarkets, on U.S. online retail and at U.S. gas stations, each on up to $6,000 a year. That's useful if you order groceries from online retailers.

BofA Customized Cash pays 2% at grocery stores and wholesale clubs, plus 3% in a category you choose. Both share a $2,500 quarterly cap. It's one of the few cards that rewards warehouse-club shopping.

Q4 2026 bonus: 5% at grocery stores with Freedom Flex

From October 1 to December 31, 2026, Chase Freedom Flex pays 5% at grocery stores (excluding Walmart and Target), on dining and on American Red Cross donations. The cap is $1,500 in combined purchases, and you must activate by December 14, 2026. Chase has already previewed Q1 2027 as top streaming services and grocery stores (again excluding Walmart and Target).

Discover it featured grocery stores and wholesale clubs in Q1 2026, but its Q4 2026 categories are restaurants, entertainment and utilities. See rotating category cards.

What the average grocery bill earns

The BLS reports that the average U.S. household spent $6,224 on food at home in 2024. If all of it qualified:

• Blue Cash Preferred: $362.24 ($360 at 6% on the first $6,000, plus $2.24 at 1%), or $267.24 after the $95 fee
• Savor: $186.72 at 3%
• Blue Cash Everyday: $182.24
• 2% flat card: $124.48

BLS "food at home" includes groceries bought at superstores and clubs, which these bonus categories exclude. Your real number depends on where you shop.

Picking by how you shop

• Weekly supermarket shopper, $3,200 or more a year: Blue Cash Preferred. At that level, the 6% rate covers the $95 fee compared with the Everyday.
• Supermarket shopper who also eats out: Savor, for 3% on both with no annual fee.
• Costco or BJ's member: BofA Customized Cash for 2% at wholesale clubs, or a flat 2% card if you'd exceed BofA's $2,500 quarterly cap.
• Walmart or Target shopper: a flat 2% card, since most grocery bonuses exclude superstores.
• Willing to activate: add Freedom Flex for 5% on groceries in Q4 2026 and the previewed Q1 2027.

Why your store might not count

Rewards follow the merchant category code, not the items in your cart. Common exclusions:

• Superstores: Amex excludes "Superstores (like Target and Walmart)." Capital One excludes superstores like Walmart and Target. Chase's Q4 grocery category excludes both.
• Warehouse clubs: Amex excludes Costco, BJ's and similar. CNBC Select reports that Chase and Capital One also exclude warehouse clubs.
• Discount stores: CNBC Select notes that Chase counts only full-service grocery merchants.

If you shop mostly at clubs or superstores, BofA Customized Cash or a flat 2% card from our no-fee list will likely earn more. Our flat-rate vs. category guide shows the full-budget math. Card terms change often, so check the issuer's site before you apply.

Frequently Asked Questions