Best Grocery Credit Cards for 2025: Earn More Cash Back

Top Features to Know About Grocery Credit Cards

• Grocery shopping can help you get more cash back and rewards when you use a credit card made for buying groceries.
• The best grocery cards for 2025 can give you up to 6% cash back. You can also get nice welcome bonuses and other good things for daily shopping or using streaming services.
• You can pick from basic cards with no yearly fees or go for top cards with bigger rewards. This helps you choose a card that fits the way you spend and what you want to pay in fees.
• A lot of cards give extra points only for certain purchases and bonus groups, so you need to know what counts as a grocery store when you shop.
• If you also use cash back apps like Ibotta with your grocery credit card, you may get even more savings every time you shop.
• Every card has its own rules for how much cash back you can get, what yearly fee you pay, how you can use your rewards, and who can get the card. That means it is important to look at the details of each card before you decide which one to use.

Introduction

Grocery bills keep going up, so finding the right credit card can help you get cash back while you pay for the things you need. A card made for spending at the supermarket can put some real money back in your pocket. You can get things like credits on your bill, extra rewards, and other good perks. If you want the most cash back or points you can use for trips, there is a grocery card out there for you. Let’s look at the best cards for getting cash back on groceries in 2025 and see which ones stand out.

Best Options for Grocery Cash Back in 2025

Choosing the right grocery credit card can make a big difference in your savings each month. In 2025, you will find both cards with no yearly fee and others that cost more but give you special rewards for groceries. With these cards, you can pick what works best for you. Some cards give you the most cash back when you shop at supermarkets. Others give you points for shopping online or at stores like Whole Foods. Think about how you shop and what you need. This will help you pick the best card for you. The top 10 cards and apps below give you more rewards for every good purchase you make.

1. Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express gives you 6% cash back at U.S. supermarkets on up to $6,000 every year. After you reach that amount, you get 1%. If you spend a lot on groceries, that means you can get up to $360 cash back each year. You will also earn 6% back on a few U.S. streaming services. For gas stations and transit in the U.S., you get 3% back. On all other things you buy with the card, you get 1% back.

The card has a $0 fee for the first year. After the first year, you pay $95 each year. If you meet the spending rule, you can get a $250 statement credit as a welcome bonus.

After the first year, you will have to pay a fee each year. But for most people and families, the rewards are more than the cost, mostly when you use the bonus categories. If you like to get the most money back on your grocery trips, this card is a top choice, as it gives some of the highest cash back on grocery shopping. Terms apply.

Cardholders also get things like a Disney Bundle credit each month. You also have help if your things get lost or stolen after you buy them. Plus, you get to use Amex Offers. All these make this card a good pick if you want to get the most out of your grocery rewards.

2. American Express® Gold Card

If you like getting rewards for both groceries and eating out, the American Express® Gold Card can be a good pick. You get 4X Membership Rewards® points for every dollar you spend at U.S. supermarkets. This goes up to $25,000 each year, and then you get 1X points after that. The same 4X points apply when you eat at restaurants anywhere in the world. This card is great for people who split their spending between food at home and eating out.

The card has a $325 fee each year. It does cost more than some others, but you get value back. Each year, you can get up to $120 in dining credits. You also get up to $120 in Uber Cash. Plus, there are travel extras that can make up for the fee you pay.

The Gold Card gives you a great rewards rate when you use it at grocery stores. This is even better if you use your points for travel with Amex partners. This card does have a higher yearly fee. But you get a lot of membership rewards and many good perks. It is a good choice for people who want more than just getting cash back.

You’ll also get no extra fees when you buy things in another country. You have purchase safety if there is a problem with what you buy. You can use your points for flights, hotels, or to pay off your bill. This makes it a good choice for people who travel a lot or shop for groceries often.

3. Blue Cash Everyday® Card from American Express

If you want a card for grocery rewards with no fee every year, the Blue Cash Everyday® Card from American Express can be a good pick. With this card, you get 3% cash back at U.S. supermarkets on up to $6,000 each year. After you spend that, you get 1% back. You will get your rewards as credits on your bill. The card also gives you 3% back at U.S. gas stations and for online shopping. This makes it a strong card for your daily buys.

A great thing about this card is the welcome bonus. You get a $200 credit to your statement when you spend $2,000 in the first six months. You can also get up to $84 back each year for Disney Bundle subscriptions. There is also up to $180 back on meal kits when you sign up for them. This card is good for people who want to save money when they shop.

If you want to get more cash back on groceries and do not want to pay a yearly fee, this card is for you. The card has no yearly fee. You can save real money when you use it, and you do not have to worry about extra costs.

4. Citi Custom Cash® Card

The Citi Custom Cash® Card is made to be flexible. It gives you 5% cash back on the top way you spend money each billing cycle. You get this rate for up to $500 each month. After that, you get 1%. Groceries are one of the bonus groups you can get with this card. So, if you spend the most on supermarket items, you can get this higher rate. This setup makes the card stand out from other grocery cards. There is no need for you to activate anything or keep track of changing groups to get your reward.

The card does not have an annual fee. You can also get a $200 cash back welcome bonus after you spend $1,500 in the first six months. You only get 5% back in one group every cycle. But this can be good if you spend most of your money on groceries. It is simple to fit it to what you need.

If you want a card that gives you the most cash back on grocery shopping and do not want to deal with fees or hard-to-understand rewards, the Citi Custom Cash® Card is a smart choice. This card is easy to use and will help you get some good value when you shop.

5. Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card is one card that works well for people who want to get rewards on more things than just groceries. You can get 3% cash back every time you shop at grocery stores, but this does not count at Walmart and Target. You will also get 3% back in cash when you pay for dining, entertainment, or streaming services. This card does not have a yearly fee, so it is good for families and for people who like to go out or spend time with others.

You can get a $200 cash bonus when you spend $500 in the first three months. This gives you extra value right from the start. The Savor card gives the most back if you spend money on groceries, dining, and entertainment. The bonus categories are simple to use.

When you look at rewards rates, yearly fees, and benefits, this card stands strong when put up against top grocery cards. It gives you a lot of chances to earn, covers many bonus areas, and has no fee.

6. Chase Freedom Flex℠

The Chase Freedom Flex℠ card offers rotating bonus categories that include grocery stores during select quarters. When groceries are one of the categories, you can earn 5% cash back on up to $1,500 in combined purchases after activation. Outside of those periods, you still get 1% back on grocery purchases unless using Walmart or Target, which may not count as traditional grocery stores.

This card has no annual fee, making it a low-risk option for occasional use. New cardholders can also earn a $200 bonus after spending $500 in the first three months. Additional perks include 5% back on travel through Chase Ultimate Rewards, 3% on dining and drugstores, and 1% on all other purchases.

The card is great for people who want to take advantage of high rewards during certain times of the year and are okay with tracking the calendar. If you’re strategic with your spending and activations, this card can bring strong grocery savings for part of the year.

7. U.S. Bank Altitude® Go Visa Signature® Card

The U.S. Bank Altitude® Go Visa Signature® Card is another good option for grocery savings. You earn 2X points at grocery stores, which is solid for a card with no annual fee. It also gives you 4X points on dining, 2X at gas stations and streaming services, and 1X on other purchases.

There’s also a welcome bonus of 20,000 points after spending $1,000 in the first 90 days, which is worth $200 in statement credits. You also receive a $15 streaming service credit every year, adding more value without extra cost.

This card is a good fit if you want a no-fee rewards card with decent grocery rewards and stronger perks in dining and streaming. It’s versatile, easy to use, and great for everyday spending.

8. Bank of America® Customized Cash Rewards Credit Card

The Bank of America® Customized Cash Rewards Credit Card lets you choose your 3% cash back category, and groceries can be one of them. You’ll also get 2% at wholesale clubs and grocery stores automatically. The 3% and 2% rates apply to the first $2,500 in combined quarterly purchases, then it drops to 1%.

The card includes a $200 online cash rewards bonus if you spend $1,000 in the first 90 days. There’s no annual fee, and Preferred Rewards members can earn even more up to 75% higher rewards based on account balances.

This card is ideal for Bank of America customers who want flexibility and are okay with managing quarterly limits. It’s a solid grocery and wholesale card, especially if you can unlock the Preferred Rewards boost.

9. Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card offers unlimited 2% cash back on all purchases, including grocery shopping. There are no categories to track, no limits, and no annual fee. This simplicity makes it a great card for users who want a steady, hassle-free cashback option.

You also get a $200 cash rewards bonus when you spend $500 in the first three months. Other features include 0% APR for 15 months on purchases and balance transfers, plus built-in cell phone protection when you pay your bill with the card.

If you prefer a flat-rate cash back card that still pays well for groceries and everything else, the Active Cash® card is worth considering. It fits any budget and spending style.

10. Ibotta App + Any Grocery Card

While not a credit card, pairing the Ibotta app with any of the above grocery cards can significantly increase your cash back. Ibotta gives you real cash back for buying specific grocery items, which you redeem through the app by uploading receipts or linking store accounts.

You can use Ibotta with stores like Walmart, Kroger, Target, and more. Cashback amounts vary by item and promotion, but savings can add up over time. You can even get bonus rewards for referring friends or completing shopping goals.

When used with a strong grocery credit card, Ibotta helps you double up on rewards. This combination is perfect for shoppers who want to stretch their food budgets further.

Final Thoughts

From high-earning grocery cards to flexible cash-back apps, the right strategy can put serious money back in your pocket in 2025. Whether you prioritize low fees, high rates, or bonus perks, there’s a smart option to match your grocery habits. Think about how often you shop, where you shop, and whether you want to earn points or cash back. Combining the right credit card with savings apps like Ibotta gives you the chance to maximize every grocery run and keep more of your money where it belongs back in your wallet.

Frequently Asked Questions

What is the best grocery credit card in 2025?

The best grocery credit card depends on your spending habits and preferences. For example, the Blue Cash Preferred® Card from American Express offers 6% cash back on groceries, making it one of the highest earners for supermarket spending. However, it has an annual fee after the first year. If you prefer no annual fee, the Blue Cash Everyday® Card or Citi Custom Cash® Card are excellent alternatives. Choose a card that aligns with where and how you shop most.

Can I earn rewards on groceries from any store?

Not all purchases at stores that sell groceries will count as grocery purchases. Many credit card issuers define grocery stores as stand-alone supermarkets, so places like Walmart, Target, and wholesale clubs may not qualify. Be sure to check your card’s terms to see which stores are included in the grocery category. This can impact how much cash back or points you earn on each purchase.

Are grocery credit cards worth the annual fee?

Grocery credit cards with annual fees can be worth it if you spend enough to offset the cost. For example, a card that offers 6% back on up to $6,000 in grocery spending could earn you $360 per year. If the annual fee is $95, you still come out ahead. Add in extras like streaming credits or welcome bonuses, and the value grows even more. However, if you spend less or dislike fees, no-fee options still offer great savings.

What are the advantages of pairing a cashback app with a grocery card?

Combining a cash back app like Ibotta with your grocery credit card can boost your savings. The app gives you rewards for specific items or brands, while your card offers rewards on the overall purchase. This stackable approach allows you to earn cash back twice on the same items. It’s especially helpful if you shop at large chain stores frequently and follow promotions in both the app and your credit card program.

How do grocery cards compare to general rewards cards?

Grocery-specific cards often offer higher cash back rates on supermarket purchases compared to general rewards cards. For example, a dedicated grocery card might offer 4–6% on groceries, while a general card may offer 1–2% on all purchases. However, general cards provide more flexibility if you want simple rewards across all spending categories. If your main goal is saving on food expenses, grocery cards offer more targeted benefits.

Written by Sarah Newcomb Updated August 8, 2025 by Albert Fang