Can you get cash back with a credit card at a grocery store

Featured Partner Offer

Chase Freedom Flex℠

Up to 5X Reward Rate

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More

Regular APR

17.99% - 26.74% Variable

Credit Score

Excellent, Good (700 - 749)

Editorial Review

This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.

Pros & Cons

• No annual fee
• Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
• Travel rewards rate rivals some of the best premium travel cards
• Generous rewards rate in several other categories

• Travel bookings must be made through Chase Ultimate Rewards® to earn 5% cash back

Card Details

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% – 26.74%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
• Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Best Credit Cards For Groceries

Best Overall

Blue Cash Preferred® Card from American Express

Up to 6% Reward Rate

Earn 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%); Earn 6% cashRead More

Annual Fee

$0 intro annual fee for the first year, then $95

Regular APR

16.99%-27.99% Variable

Credit Score

Excellent/Good (700 - 749)

Why We Picked It

Big spenders at US supermarkets and road warriors who frequently spend at US gas stations or transit like taxis, rideshares or transit can rack up impressive cash back rewards.

Pros & Cons

• High cash-back rewards in several categories of spending
• No enrollment is required, cash back is automatic
• Comes with several travel benefits and protections

• Charges an annual fee
• 6% cash back at U.S. supermarkets is capped at $6,000 in annual spending (then 1%)

Card Details

• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® 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, 16.99 to 27.99%
• 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.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• Terms Apply.

Best for No-Annual-Fee Grocery Rewards

Citi Custom Cash℠ Card

Up to 5% Reward Rate

5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle. All otherRead More

Regular APR

16.99% - 26.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

The Citi Custom Cash is a great option for people looking to maximize cash back rewards without having to worry about activating or selecting bonus categories.

Pros & Cons

• No registration required to earn bonus rewards
• Cash-back categories are unique categories that other cards may not offer bonus rewards for
• Introductory APR on purchases and balance transfers
• No annual fee

• High balance transfer fee
• High foreign transaction fee
• Some everyday rewards categories are neglected

Card Details

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.99% – 26.99%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash℠ Card account per person.

Best for One-Stop Shoppers

Target RedCard™ Credit Card *

Up to 5X Reward Rate

5% discount on nearly all Target purchases

Regular APR

22.90% variable

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

If you shop frequently at Target and pay off your balance every month, you can't beat getting a 5% discount on Target purchases with this $0 annual fee store card.

Pros & Cons

• 5% discount on nearly all Target purchases
• Free 2-day shipping on Target.com
• Extended returns for 30 extra days in-store or online

• Some items do not qualify for the 5% discount
• Very high APR
• Late payment fees and high APR can outweigh the 5% discount

Card Details

• 22.9% Variable APR on purchases
• No annual fee
• 5% off at Target in store or online

Best for Whole Foods and Amazon Pantry Shoppers

Amazon Rewards Visa Signature Card *

Up to 3% Reward Rate

Earn 3% Back at Amazon.com and Whole Foods Market; Earn 2% Back at restaurants, gas stations, and drugstores; Earn 1%Read More

Welcome Bonus

Amazon gift card

Regular APR

17.24% to 25.24% variable

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

The Amazon Rewards Visa Signature Card offers fantastic value for frequent shoppers at Amazon.com and Whole Foods stores. An additional bonus cash back category, Visa Signature benefits, plus no annual fee further sweeten the deal.

Pros & Cons

• No foreign transaction fee
• Unlimited 3% back at Amazon and Whole Foods
• Visa Signature benefits

• No intro APR offer
• 3% back excludes non-US Amazon sites
• APR can be high, depending on your creditworthiness
• High balance transfer fee

Card Details

• Get an Amazon gift card instantly upon approval
• Earn 3% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
• In addition to using your rewards at Amazon.com, you can also redeem for cash back, gift cards, and travel
• Get complimentary Visa Signature Concierge Service 24 hours a day
• Travel with confidence with access to: Travel Accident Insurance, Lost Luggage Reimbursement, Baggage Delay Insurance and Travel and Emergency Assistance

Best for Earning Membership Rewards on Groceries

American Express® Gold Card

Up to 4X Reward Rate

Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards® points atRead More

Welcome Bonus

Earn 60,000 points

Regular APR

18.99%-25.99% Variable

Credit Score

Excellent/Good (700 - 749)

Why We Picked It

Foodies and travelers can leverage the American Express® Gold Card to the hilt, earning up to 4x points. The annual fee may seem intimidating, but by using the included benefits and doing some spending, it's easy to come out ahead.

Pros & Cons

• High rewards earnings possibilities
• Points transfer option to many partners
• Add up to 5 authorized users for no additional annual fee
• Can choose from regular or rose gold versions

• No lounge benefits
• Limited options to carry a balance
• High APR for pay over time feature
• High pay over time penalty APR

Card Details

• Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.

Best for Earning ThankYou Points on Groceries

Citi Premier® Card

Up to 3X Reward Rate

Earn 3 points per dollar at restaurants, supermarkets, gas stations, hotels and air travel. 1 point per dollar on allRead More

Welcome Bonus

80,000 points

Regular APR

18.99% - 26.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

With 3 points earned per $1 spent on many travel staples and at gas stations, the Citi Premier Card could be a perfect fit for road warriors and frequent travelers. The card's high APR and lack of an intro APR offer make it a poor choice for anyone looking to carry a balance.

Pros & Cons

• No foreign transaction fee
• No blackout dates
• Flexible travel redemption options
• Add authorized users for no additional cost

• High penalty APR
• $95 annual fee with no first-year waiver
• No intro APR offer

Card Details

• For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Best No-Annual-Fee Card for Foodies

Capital One SavorOne Cash Rewards Credit Card

Up to 8% Cash Back

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® andRead More

Regular APR

17.99% - 27.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

The Capital One SavorOne card is a perfect cash back credit card for those who spend a lot at restaurants, grocery stores and on entertainment. With its 3% cash back rate in those categories, it's a win for socialites that don't want to pay for an annual fee.

Pros & Cons

• No annual fee
• Increased cash back on dining and entertainment
• No foreign transaction fees
• Easy-to-redeem cash back rewards
• Introductory APR on purchases and balance transfers

• High standard rate APR
• Limited cash back reward categories

Card Details

• Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
• Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
• 0% intro APR on purchases and balance transfers for 15 months; 17.99% – 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
• No foreign transaction fee
• No annual fee

Best for Less Common Bonus Categories

Bank of America® Customized Cash Rewards credit card

Choose your 3% category

Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500Read More

Regular APR

16.99% - 26.99% Variable APR on purchases and balance transfers

Credit Score

Good, Excellent (700 - 749)

Why We Picked It

While offering solid rewards for moderate spenders, the card really shines for Bank of America Preferred Rewards clients, who get a 25%-75% boost in cashback earnings.

Pros & Cons

• Bank of America Preferred Rewards clients earn 25% to 75% more cash back
• Decent rewards earning potential
• Option to change 3% bonus category monthly

• Bonus rewards have quarterly caps
• High balance transfer fee
• Foreign transaction fee

Card Details

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and no expiration on rewards.
• New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.99% – 26.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for Frequent Trips to the Store

Blue Cash Everyday® Card from American Express

Up to 3% Reward Rate

Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. on up toRead More

Welcome Bonus

Earn up to $250

Regular APR

16.99%-27.99% Variable

Credit Score

Excellent/Good (700 - 749)

Why We Picked It

For no annual fee, the Blue Cash Everyday® Card from American Express offers excellent value in the right hands. Spending a lot at U.S. supermarkets and U.S. gas stations brings plump rewards, while the introductory APR rate on purchases helps keep your interest expenses down. Look elsewhere for foreign transactions.

Pros & Cons

• No annual fee
• Introductory APR offer on purchases and balance transfers
• Above-average earnings at U.S. supermarkets, U.S. gas stations and online retail purchases in the U.S.

• Elevated earnings at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. are capped at $6,000 in annual spending per category
• Rewards earning outside of the bonus categories is just 1% cash back

Card Details

• Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
• No Annual Fee.
• Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 16.99% – 27.99% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Get $7 back each month after using your Blue Cash Everyday Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
• Terms Apply.

Best for Foodies

Savor Rewards Credit Card *

Up to 8X Reward Rate

Earn 8% cash back on the Capital One Entertainment ticketing platform and on Vivid Seats ticket purchases, 5% cash backRead More

Welcome Bonus

One-time $300 cash bonus

Regular APR

18.99% - 26.99% variable

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

The Capital One Savor card is an ideal cash back credit card for those who love to splurge on bars, restaurants and an active social life. It's easy to justify the annual fee and accumulate great rewards with a remarkable 4% cashback rate on dining and entertainment (including popular streaming services), 3% cash back at grocery stores, and 1% cash back on all other purchases.

Pros & Cons

• 4% cash back on eligible categories
• Entertainment is a rare rewards category
• No foreign transaction fees
• Unlimited reward earnings

• Annual fee
• No introductory APR for purchases or balance transfers
• Higher standard APR

Card Details

• Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
• Earn 8% cash back on purchases made through the Capital One Entertainment ticketing platform and on Vivid Seats ticket purchases
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Earn unlimited 4% cash back on dining, entertainment and popular streaming services
• Earn unlimited 3% cash back at grocery stores
• Earn unlimited 1% on all other purchases
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn

Where can I go to get cash back on my credit card?

Can you get cash back with a credit card at Walmart?

Which type of card gives you cash back at a grocery store?

How can I get cash from my credit card without a PIN?