The Best Credit Cards for Grocery Shopping in 2025
Groceries are one of the biggest expenses in most households, so why not earn rewards every time you shop? Whether you’re a student, a big family shopper, or someone who prefers premium travel points, the right credit card can help you save hundreds of dollars a year.
At CreditVana, we’ve reviewed the top options for different types of grocery shoppers.
🛒 Best for Heavy Grocery Shoppers: Blue Cash Preferred® Card from American Express
Why we like it:
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6% cash back at U.S. supermarkets (on up to $6,000 per year, then 1%).
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6% on select U.S. streaming services.
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3% at gas stations and transit.
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$250 welcome bonus after $3,000 spend in 6 months.
This card is ideal if your family spends big on groceries every month. The high rewards rate can easily outweigh the annual fee.
💵 Best for No Annual Fee: Blue Cash Everyday® Card from American Express
Why we like it:
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3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%).
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3% at gas stations and online retailers (same cap).
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$200 welcome bonus after $2,000 spend in 6 months.
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$0 annual fee.
Perfect for shoppers who want rewards without paying for a premium card.
🎓 Best for Students: Bank of America® Customized Cash Rewards for Students
Why we like it:
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2% cash back at grocery stores and wholesale clubs.
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3% in a “choice” category (like dining, gas, or online shopping).
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1% on all other purchases.
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$200 bonus after $1,000 spend in 90 days.
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$0 annual fee.
Students living off-campus can stretch their budgets further while building credit responsibly.
✈️ Best for Travel Rewards: American Express® Gold Card
Why we like it:
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4x points at U.S. supermarkets (up to $25,000 annually).
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4x points at restaurants worldwide.
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3x points on flights booked direct or through AmexTravel.
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Up to 100,000 bonus points for new cardholders (offer varies).
If you love to travel, this card turns everyday grocery runs into future trips. Just note the $325 annual fee — you’ll need to maximize the perks to get full value.
🎯 Best for Target Shoppers: Target Circle™ Card
Why we like it:
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5% discount on most in-store and online Target purchases (including groceries).
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Free two-day shipping on many items.
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$0 annual fee.
Great if Target is your go-to grocery store.
🥑 Best for Whole Foods & Amazon: Amazon Prime Visa
Why we like it:
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5% cash back at Amazon.com and Whole Foods (with Prime membership).
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$150 Amazon gift card upon approval.
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No annual fee (but Prime membership required at $139/year).
Amazon fans and Whole Foods regulars will find this card pays for itself quickly.
🛒 Best for Costco Members: Costco Anywhere Visa® Card by Citi
Why we like it:
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2% cash back on Costco purchases (including groceries).
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3% at restaurants, 5% at Costco gas.
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$0 annual fee (with paid Costco membership, starting at $65).
A must-have if you buy in bulk at Costco for a large household.
How to Choose the Right Grocery Credit Card
The best card depends on where you shop and how much you spend:
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Big spenders → Blue Cash Preferred.
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No annual fee seekers → Blue Cash Everyday.
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College students → Bank of America Student Cash Rewards.
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Travel enthusiasts → Amex Gold.
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Retail loyalists → Target, Amazon, or Costco cards.
CreditVana Tip
No matter which card you choose:
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Always pay your balance in full each month to avoid interest.
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Use your grocery card every time you shop to maximize rewards.
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Track your credit scores and spending with CreditVana’s free 3-bureau tools so your grocery savings also help you build long-term financial health.
