The Best Food Credit Cards of 2026
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The best grocery credit cards can help you save money by earning cash back or points at your local supermarket or grocery store purchases. Most of these cards also offer great rewards rates on restaurants and food delivery, as well as additional benefits.
Read on for our top picks for the best grocery credit cards.
Our Top Picks for the Best Shopping Credit Cards
All prices and data are current as of Feb. 24, 2026.
Best Credit Cards for Food Reviews
Why we chose it: In addition to offering a 0% introductory APR for 12 months on both purchases and balance transfers from the account opening date, the Blue Cash Preferred Card from American Express offers 6% cash back on groceries and streaming services.
With an annual fee of $95 and APRs ranging from 19.49% to 28.49%, the card offers strong incentives for new customers. That includes a $300 sign-up bonus after spending $3,000 within six months. For balance transfers, the Blue Cash Preferred Card charges $5 or 3%. The card also offers 3% cash back on transportation and gas at US stations, and 1% cash back on all other purchases.
Besides its grocery rewards, the card’s benefits include car rentals, emergency travel assistance, purchase protection (limited to $1,000 per covered purchase, up to $50,000 per card member account per calendar year) and extended warranties (up to $10,000, not to exceed $50,000 per member account year). For those traveling abroad, the Blue Cash Preferred foreign transaction fee is 2.7%.
Terms apply. Please click here for current rates and fees.
Why we chose it: The American Express Gold Card offers 4x points on dining (up to $50,000 per year) and groceries (up to $25,000 per year).
The card also offers new customers a sign-up bonus of 100,000 points after spending $6,000 in the first six months after opening the account. The American Express Gold Card also offers 3x points on flights booked directly with airlines, 2x points on hotels booked and 1x on all other purchases. The $325 annual fee tops our list of the best grocery credit cards, and American Express Gold Cards’ APRs range from 19.49% to 28.49%, but there’s no foreign transaction fee.
Benefits include baggage delay and loss, emergency travel assistance, car rental and purchase protection and extended warranty coverage. Additionally, the American Express Gold Card offers customers up to $120 in Uber Cash annually, which can be used for rides within the US or Uber Eats orders, and up to $7 in monthly statement credits when you use the card at US Dunkin’ locations.
Terms apply. Please click here for current rates and fees.
Why we chose it: Co-branded credit cards from US Bank, which are partnered with many grocery stores, have no annual fee.
Customers can use the cards to earn up to 5% on grocery purchases at Kroger, Dillons Food Stores, Fred Meyer, Fry’s, Harris Teeter, King Soopers, Mariano’s, QFC and Ralphs, and 1% on all other purchases. Variable APRs for US Bank cards range from 17.49% to 30.49%.
Customers can receive a $100 statement credit when they spend $500 within the first 90 days of account opening. The cards also offer purchase protection and fuel discounts, and there’s a 3% introductory balance transfer fee.
Terms apply. Please click here for current rates and fees.
Why we chose it: The Instacart Mastercard from Chase gives you 5% cash back on eligible Instacart purchases on your first $6,000 in annual spending.
Additionally, the card has 5% cash back on Chase Travel purchases, including flights and hotels and more; 2% cash back at restaurants – including Instacart orders powered by Uber Eats – gas stations and select streaming services; and 1% on all other purchases. The various APRs for the Instacart Mastercard range from 18.24% to 27.74%.
Cardholders receive a $50 Instacart credit automatically given upon approval. There is a 5% balance transfer fee but no international transaction fee and no annual fee. Benefits include free Instacart Express, baggage delay insurance, lost baggage coverage, roadside assistance, travel accident insurance, purchase protection, extended warranty coverage and car rentals.
Terms apply. Please click here for current rates and fees.
Why we chose it: New customers can earn up to $200 in bonus cash when they spend $500 within the first three months of account opening with Savor Rewards from Capital One.
The Savor Rewards card has no annual fee and offers unlimited 5% cash back on hotels, resorts and rental cars booked through Capital One Travel. Cardholders are eligible for unlimited 3% cash back on grocery stores, restaurants, entertainment and popular broadcasts, and 1% cash back on all other purchases. The card also offers a 0% introductory APR for the first 12 months when the account is open. After that, variable APRs range from 18.49% to 28.49%.
There is no annual fee or international transaction fee, but Capital One charges a 3% balance transfer fee for each balance transferred within the first 15 months of account opening. After the initial promotional period, a 4% fee applies to subsequent balance transfers. Benefits include extended warranty coverage, travel accident insurance and 50% off all handcrafted beverages at any Capital One Café location nationwide.
Terms apply. Please visit the card’s website for applicable rates and fees.
Credit Cards for Shopping Frequently Asked Questions
What stores are considered grocery stores for credit cards?
Grocery stores and supermarkets have a specific merchant category code (MCC) that includes dedicated grocery stores and supermarkets. It does not include superstores, wholesale clubs and direct shops such as bakeries or butchers.
Without a specific code for grocery stores/supermarkets, what issuers consider a grocery store can vary greatly. Some issuers include bakeries and specialty markets, while others do not. In most cases, however, both superstores and wholesale clubs are excluded.
Is it better to use credit or debit to buy groceries?
Using one or the other depends on personal preference or specific financial situation. However, using one of the best grocery cards can reap rewards and save you money in the long run.
How We Picked the Best Credit Cards to Buy
The best grocery store rewards credit cards offer opportunities to earn more on groceries and shopping at the supermarket. Along with sign-up bonuses and promos and low or no fees, the best credit cards can help lower your monthly payment.
| Food Rewards | Signup Bonus | Funds | Other Perks |
| 40% | 30% | 20% | 10% |
- Grocery Rewards: Rewards that fit students’ typical spending patterns (eg, dining, streaming) or a small budget.
- Signup Bonus: Number of new cardholder bonuses including welcome offers.
- Payments: A preference for cards with lower fees than those typically associated with credit building cards.
- Other benefits: Buy insurances (purchase protection, return protection guarantees) or other additional card benefits.
Read our full guide here.
A Roundup of the Best Grocery Credit Cards
To see rates and fees for the Blue Cash Preferred® Card from American Express, please visit this link. Terms apply.
To see rates and fees for the American Express® Gold Card, please visit this link. Terms apply.
To see rates and fees for the Blue Cash Everyday® Card from American Express, please visit this link. Terms apply.
*Insurance disclosure for American Express cards on this page:
Travel Delay Insurance: Eligibility and benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Underwritten by New Hampshire Insurance Company, an AIG Company.
Global Assist Hotline: Eligibility and benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Card Members are responsible for fees charged by third party service providers.
Extended Warranty, Purchase Protection, Luggage Insurance Program: Eligibility level and Benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Underwritten by AMEX Assurance Company.
Car Rental Loss and Damage Insurance: Eligibility and benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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