Discover the best credit cards for grocery shopping in 2025. From cashback to rewards, find out which cards offer the best deals for earning savings on grocery purchases.
đ Best Credit Card for Grocery Shopping in 2025: Get More for Your Grocery Bill
Grocery shopping is a must-have expense, but what if you could make those routine trips to the store work for you? With the best credit card for grocery shopping, every swipe can earn you valuable rewards, cashback, or points. In 2025, grocery credit cards are more rewarding than ever, offering high cashback rates and special perks just for buying the essentials.
Want to turn your grocery bills into savings? This guide breaks down the best credit cards for grocery shopping in 2025, highlighting the best features, benefits, and ways you can maximize rewards. Letâs dive in!
đ Why Choosing the Best Credit Card for Grocery Shopping is a Game Changer
When it comes to grocery shopping, why just pay for your food when you can earn rewards? Hereâs why selecting the best credit card for grocery shopping matters:
- Maximize Rewards: Cards offering up to 6% cashback on groceries can make a huge difference in your savings.
- Build Your Credit: Regular, on-time payments help boost your credit score.
- Extra Perks: From extended warranties to travel rewards, many grocery credit cards offer fantastic bonuses.
By strategically using the best card for grocery shopping, you’ll be able to keep more money in your pocketâwithout changing your shopping habits.
đ Top 5 Best Credit Cards for Grocery Shopping in 2025
Weâve rounded up the top 5 grocery credit cards that offer the best value, rewards, and benefits in 2025. Take a look at these powerful cards that will turn your grocery shopping into a rewarding experience:
1. Blue Cash PreferredÂŽ Card from American Express: The Supermarket Superstar đ
- Cashback: 6% on U.S. supermarket purchases (up to $6,000 per year, then 1%).
- APR: 17.74% â 28.74% (Variable)
- Annual Fee: $95 (waived the first year)
- Best For: Families who want high rewards on grocery shopping.
Why Itâs Great:
This card is a cashback hero! You earn an unbeatable 6% cashback at U.S. supermarkets (on the first $6,000 per year), making it the best credit card for grocery shopping if you have a large family or cook at home often. Plus, you get 3% on gas and 1% on everything else. A $300 welcome bonus when you spend $3,000 in the first 6 months makes this card an even better deal!
Pros:
- High cashback rate on groceries.
- Generous sign-up bonus.
- Rewards on gas and transit.
Cons:
- Annual fee after the first year.
- Grocery rewards are capped at $6,000 per year.
2. Chase Freedom Flexâ : Perfect for the Rewards Tracker đ
- Cashback: 5% on rotating categories (often includes grocery stores).
- APR: 14.99% â 23.74% (Variable)
- Annual Fee: $0
- Best For: Those who donât mind tracking rotating categories.
Why Itâs Great:
5% cashback on rotating categories every quarter means youâll be earning high rewards on groceries whenever theyâre included. With 3% on dining and 1% on other purchases, this card delivers rewards all year long. Plus, with no annual fee, it’s perfect for anyone looking to maximize rewards without paying extra.
Pros:
- 5% rotating categories.
- No annual fee.
- Great rewards for dining and travel.
Cons:
- Grocery rewards only available in specific quarters.
- Must activate categories each quarter to earn 5%.
3. Wells Fargo Active CashÂŽ Card: Simple, Straightforward, Rewarding đł
- Cashback: 2% on all purchases, including groceries.
- APR: 19.99% â 27.99% (Variable)
- Annual Fee: $0
- Best For: People who want a flat-rate cashback card for simplicity.
Why Itâs Great:
No rotating categories or spending limits! 2% cashback on every purchase makes this card simple and rewarding for grocery shoppers. Youâll also get $200 cashback after spending $1,000 in the first 3 monthsâeasy money for everyday spending.
Pros:
- 2% cashback on everything.
- No annual fee.
- Easy-to-use, no category tracking required.
Cons:
- Lower cashback rate compared to grocery-specific cards.
- High APR if you carry a balance.
4. CitiÂŽ Double Cash Card: A Simple Way to Earn Big Cashback đ¸
- Cashback: 2% on all purchases (1% when you buy, 1% when you pay).
- APR: 16.24% â 26.24% (Variable)
- Annual Fee: $0
- Best For: Those who want easy cashback with no extra effort.
Why Itâs Great:
Earn 2% cashback on every purchaseâno need to track categories. Whether youâre buying groceries, gas, or paying bills, youâll earn a flat rate with no annual fee. Plus, this card comes with extra protection like purchase protection and extended warranties.
Pros:
- 2% cashback on all purchases.
- No annual fee.
- No rotating categories to worry about.
Cons:
- No grocery-specific bonus categories.
- APR can be high for carry balances.
5. Amazon Prime Rewards Visa Signature Card: For Amazon and Whole Foods Shoppers đď¸
- Cashback: 5% on Amazon & Whole Foods purchases.
- APR: 15.24% â 23.24% (Variable)
- Annual Fee: $0 with Amazon Prime ($119/year).
- Best For: Amazon Prime members who shop at Whole Foods.
Why Itâs Great:
Earn 5% cashback at Whole Foods and Amazon, making this one of the best cards for Amazon and grocery shoppers. Plus, get 2% on dining, gas stations, and drugstores, and 1% on other purchases. This card is perfect for those who love shopping online at Amazon.
Pros:
- 5% cashback on Amazon & Whole Foods.
- No foreign transaction fees.
- Great for Prime members.
Cons:
- Requires an Amazon Prime membership.
- Rewards limited to certain stores.
đ§ How to Choose the Best Credit Card for Grocery Shopping
Itâs all about finding a card that aligns with your grocery habits. Hereâs what to consider:
- Cashback or Rewards: Do you want high cashback on groceries, or are you more interested in flexible rewards for travel and merchandise?
- Annual Fees: While some cards charge an annual fee, others offer no feesâjust make sure the rewards outweigh the cost.
- Spending Limits: Cards like the Blue Cash PreferredÂŽ Card cap grocery rewards after a certain amount. If you spend heavily on groceries, choose a card with no limits.
- Other Perks: Extra features like sign-up bonuses, extended warranties, and travel insurance can make a big difference.
đĄ Pro Tips to Maximize Your Grocery Shopping Credit Card Rewards
- Combine Loyalty Programs: Pair your credit card with grocery store loyalty programs for extra points.
- Pay Your Bill on Time: Avoid interest by paying your balance off each month.
- Watch for Bonus Categories: If you have a card like Chase Freedom Flexâ , make sure you activate your rotating categories each quarter to earn the highest cashback.
đ¤ Can You Use Grocery Credit Cards for Online Grocery Shopping?
Absolutely! Many of the best credit cards for grocery shopping allow you to earn rewards on online grocery shopping as well. Whether you’re buying groceries from Amazon, Walmart, or your local grocery storeâs website, make sure your card rewards online purchases as well.
đ Common Mistakes to Avoid
- Ignoring Annual Fees: Be sure the annual fee is worth the rewards youâre getting. Sometimes, a high-fee card with great rewards will save you more than a fee-free card.
- Carrying a Balance: To get the most out of your grocery credit card, pay off your balance every month to avoid interest charges.
- Forgetting to Activate Rotating Categories: For cards with rotating categories, like the Chase Freedom Flexâ , donât forget to activate them each quarter.
đ Conclusion: Shop Smart and Save Big with the Best Credit Cards for Grocery Shopping
Choosing the best credit card for grocery shopping in 2025 can help you maximize your rewards, save on everyday purchases, and make your trips to the store a lot more rewarding. Whether youâre looking for 6% cashback on groceries or a flat 2% on everything, the right card is out there for you.
Take your time, evaluate your shopping habits, and pick the card that gives you the best bang for your buck. With the right card, every grocery run will feel like a win!
Related Posts:
- Best Low Interest Credit Cards in USA in 2025: Save Money and Pay Less on Interest
- Best Business Credit Cards for Startups in USA in 2025: Top Picks
- Best Credit Cards for Airport Lounge Access in USA: Top Picks for 2025
Best Credit Cards for Grocery Shopping: FAQs
1. What is the best credit card for grocery shopping in 2025?
The best credit card for grocery shopping in 2025 depends on your spending habits. Some top picks include the Blue Cash PreferredÂŽ Card from American Express, which offers 6% cashback at U.S. supermarkets (up to $6,000 annually), and the Wells Fargo Active CashÂŽ Card, which offers 2% cashback on all purchases, including groceries, with no rotating categories.
2. Do grocery credit cards offer rewards on online grocery purchases?
Yes, many of the best credit cards for grocery shopping offer rewards on both in-store and online grocery purchases. Cards like the Amazon Prime Rewards Visa Signature Card earn 5% cashback on Amazon and Whole Foods purchases, whether you shop online or in-store. Just make sure to check if the card specifically rewards online grocery shopping.
3. Are grocery credit cards worth the annual fee?
Whether a grocery credit card is worth the annual fee depends on how much you spend on groceries. For example, the Blue Cash PreferredÂŽ Card charges a $95 annual fee but offers 6% cashback at supermarkets, which can quickly outweigh the fee if you spend a lot on groceries. However, if you shop less frequently, a no-fee card like the Wells Fargo Active CashÂŽ Card with 2% cashback might be a better option.
4. Can I use my grocery credit card at all supermarkets?
Most grocery credit cards, such as the Blue Cash PreferredÂŽ Card or Chase Freedom Flexâ , work at most U.S. supermarkets. However, some cards like the Amazon Prime Rewards Visa Signature Card may be limited to specific grocery stores like Amazon and Whole Foods. Always check the cardâs terms to ensure itâs accepted where you typically shop.
5. What happens if I donât pay off my grocery credit card balance in full?
If you donât pay off your grocery credit card balance in full, youâll incur interest charges on the remaining balance. Interest rates on grocery credit cards can be quite high, so it’s important to pay off your balance each month to avoid paying costly interest. For example, the Blue Cash PreferredÂŽ Card has an APR of 17.74% â 28.74% (Variable).
