The Best Grocery Credit Cards of 2021: Co-Branded, Cashback & Rewards

Some cards earn a flat rewards rate on all purchases with no bonus categories. For example, Citi® Double Cash Card and the Capital One® Quicksilver® Cash Rewards Credit Card.

The cards rewards rate could depend on the category of your purchase. For example, Blue Cash Preferred® Card from American Express and the Capital One® SavorOne® Cash Rewards Credit Card.

Earn different rewards rates on the categories your choose. These options rotate on a quarterly basis. It doesn’t have to be grocery shopping every time. For example, Chase Freedom Flex and Discover it Cash Back.

These bonus rewards could be restricted to a specific grocery stores. For example, Amazon Rewards Visa Signature Credit Card and Ralphs Rewards World Mastercard.

Blue Cash Preferred® Card from American Express is the best overall grocery card with a high cashback rate. This card offers 6% back on the first $6,000 you spend on groceries each year.

The Blue Cash Preferred® Card from American Express offers a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It(R) to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.24% to 29.24% You'll earn • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). • 6% Cash Back on select U.S. streaming subscriptions. • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). • 1% Cash Back on other purchases. Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required. The card does come with a $0 intro annual fee for the first year, then $95. (See Rates & Fees) Terms Apply. Learn More About This Card

The PenFed Platinum Rewards Visa Signature Card is the best no-annual-fee grocery card with unlimited rewards on groceries. Simply open a bank account with PenFed Credit Union to apply for PenFed Platinum Rewards.

Each PenFed point is worth $0.01 which can be traded in for travel, gift cards or merchandise.

The Wells Fargo Visa Signature Card is the best high points-earning rate grocery card. It offers 5 points for every dollar spent on up to $12,500 on gas, grocery and drugstore purchases for your first six months.

Wells Fargo points are worth an average of $0.015 each which can be traded in for airfare, hotel stays, car rentals, cruises, cash redemptions, brand-name merchandise, gift cards and online auctions.

The Target REDCard is the best card for grocery purchases, specifically at Target store.

The Target REDcard offers cardholders 5% cash back on ALL purchases made at Target! With this card in your pocket you'll get to enjoy various perks such as free shipping on most items and an extra 30 days for returns! If you're an avid Target shopper make sure you take advantage of your spending to earn you cash back! This card comes with no annual fee. Enroll Now at Target

The Amazon Prime Rewards Visa Signature Card is the best card for online grocery shopping for Whole Foods purchases, earning 5% cash back at Amazon.com and Whole Foods. Earn 2% on restaurant, gas, grocery & drugstore purchases and 1% cash back on everything else.

The card also offers the other benefits such as:

• Travel protections
• Purchase protections
• Visa Signature benefits
• No foreign transaction fees

If you are looking to earn cash rewards, check out the Citi® Double Cash Card.

The Capital One Walmart Rewards Card is the best card for Walmart grocery purchases. This card offers unlimited 5% cash back on purchases at Walmart.com and 5% on in-store purchases through the Walmart app in your first year!

These are the earning rates of this card:

• 5% cash back at Walmart.com
• 5% back on Walmart store purchases (for your first year with Walmart Pay, 2% cash back thereafter)
• 2% back on dining
• 2% back on travel
• 1% back on everything else

The Capital One® SavorOne® Cash Rewards Credit Card might be a better choice for you if you are looking for cashback and a welcome bonus.