Top Credit Cards for Grocery Shopping - 2024

It may be surprising, but there are plenty of urbanites who eat nearly all of their meals at restaurants. But for the rest of us, groceries are a major part of our budget.

For those of us who shop with a rewards credit card, we should always have a card that offers exceptional rewards at grocery stores.

The right rewards card will offer bonus points, miles, or cash back every time you visit your grocery store or supermarket. Who wouldn’t want money just for going grocery shopping?

Best credit cards for groceries overview:

Best for overall grocery rewards

Citi Rewards+® Card

The Citi Rewards+® Card offers a generous 2X ThankYou® Points at supermarkets and gas stations (for the first $6,000 per year) and 1x point per $1 spent thereafter.

Rather uniquely, it also automatically rounds up small purchases to 10 points, so even an $0.89 banana purchase will net you 10 ThankYou® Points.

Cash back 

In addition to the rewards mentioned above, for a limited time, you’ll earn 5 ThankYou® Points back per $1 spent at restaurants for the first $6,000 spent annually, and unlimited 1x ThankYou® Points on all other purchases. 

Intro offer

When new cardholders spend $1,500 within your first three months of having your Citi Rewards+® Card and you’ll score 20,000 bonus ThankYou® Points redeemable for $200 in gift cards at thankyou.com.

Intro APR 

Open a Citi Rewards+® Card and you’ll get a 0% intro APR on both purchases and balance transfers for 15 months – that’s objectively awesome for someone trying to pay off old credit card debt without accumulating interest on new purchases. Balance transfers must be completed within four months of account opening and come with a 3% or $5 balance transfer fee (whichever is greater). After that, the fee will be 5% per transfer (minimum $5). The standard purchase and balance transfer APR is 15.74% - 25.74% (Variable).

See card details/apply. 

Best for cash back

Discover it® Cash Back

While not directly for groceries, Discover it® Cash Back offers 5% quarterly categories, and one is groceries, making this one of the highest earning cash back cards.

Cash back

Discover it® Cash Back offers 5% cashback in rotating categories each quarter. You must activate each quarter and the maximum spend is $1,500.

Note that in reviewing Discover over the last number of years, I can tell you that one of those categories is usually grocery stores. This year, it is the first quarter!

Here’s the 2022 5% cashback quarterly incentives, and every category is spot on.  Take a look!

• January – March 2022: Grocery stores and Fitness Club & Gym Memberships.
• April – June 2022: Gas stations and Target.
• July – September 2022: Restaurants and PayPal.
• October – December 2022: Amazon.com and Digital Wallets.

Customers will also receive unlimited 1% cashback on all other purchases.

Cashback Match™

Discover will match the cashback you’ve earned at the end of your first year as a customer.

No annual fee

What’s great about Discover cards is that they have no annual fee.

APR

The Discover it® Cash Back has a 11.99% - 22.99% Variable APR.

See card details/apply or read our full Discover it® Cash Back review.

Best for dining out

Capital One Savor Cash Rewards Credit Card

Disclaimer – The information about the Capital One® Savor® Cash Rewards Credit Card has been collected independently by MoneyUnder30.com. The card details have not been reviewed or approved by the card issuer.

Whether you’re going to the grocery store or going out to a restaurant, the Capital One® Savor® Cash Rewards Credit Card has you covered.

Cash back

You earn 4% cash back on dining and entertainment, 3% cash back at grocery stores and 1% cash back on all other purchases. Plus, there are no limits to the amount of rewards that you can earn!

Intro offer

This card also offers new applicants $300 in bonus cash back after making at least $3,000 in purchases within three months of account opening.

Intro APR offer

The Capital One Savor® Cash Rewards Credit Card does not feature an introductory APR for purchases or balance transfers.

Annual fee

There’s an annual fee of $95

See card details/apply or read our full Capital One® Savor® Cash Rewards Credit Card review.

Best overall rewards credit card

While the Capital One Venture Rewards Credit Card doesn’t offer a bonus for groceries, it features such competitive rewards for all purchases, that it’s still one of the best cards to use at the supermarket.

Miles

With this card, you earn two miles per dollar spent on all purchases, with no limits.

Intro offer

New cardholders can also earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

Capital One miles are worth one cent each as statement credits towards travel purchases including airfare, hotels, car rentals and cruises.

Annual fee

There’s an annual fee of $95, and no foreign transaction fees.

APR

The Capital One Venture Rewards Credit Card has a 17.49% - 25.49% (Variable) APR.

See card details/apply or read our full Capital One Venture Rewards Credit Card review.

Best for business owners