Best Credit Card for Groceries in 2026
We ranked major rewards cards by the rates and caveats we track for Groceries. The top listed option shows up to 6% — review the notes before relying on it.
8 cards earning 2%+ at Groceries · sorted by highest cash back · updated Q2 2026
Rankings use issuer/product-page reward terms where available. Rotating categories, legacy cards, and needs-review cards are labeled separately so old or uncertain offers do not look like normal applyable recommendations.
Why #1: Strong current match: earns up to 6% cash back at Groceries, subject to the issuer's caps, exclusions, and redemption terms. Annual fee: $95/yr.
Why #2: Limited availability: consider this only if you already have the Citi Custom Cash® Card. It may earn up to 5% cash back at Groceries, subject to the card's current terms.
Why #3: Strong choice at up to 4.5% est. value for Groceries. $95/yr annual fee.
Why #4: Strong choice at up to 4% est. value for Groceries. $325/yr annual fee.
Why #5: Solid up-to-3% cash back option at Groceries. No annual fee — easy to hold long-term.
Why #6: Solid up-to-3% cash back option at Groceries. No annual fee — easy to hold long-term.
Why #7: Solid up-to-3% cash back option at Groceries. No annual fee — easy to hold long-term.
Why #8: Solid up-to-3% cash back option at Groceries. No annual fee — easy to hold long-term.
Frequently Asked Questions
What is the best credit card to use at Groceries?
The top listed card at Groceries right now is the Blue Cash Preferred® Card from Amex, showing up to 6% cash back. 6% at U.S. supermarkets (up to $6,000/yr, then 1%)
Does any credit card offer more than 2% at Groceries?
Yes — the Blue Cash Preferred® Card from Amex at 6%, the Citi Custom Cash® Card at 5%, the Amex EveryDay Preferred® Credit Card at 4.5% all earn above 2% at Groceries.
Shop somewhere else? Find your best card.
PennySwiper covers 357+ stores. Search any store and instantly see which card earns the most.
Search All Stores →Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.