If you spend $500 or more per month on groceries, the right credit card can earn you $360–$720 back per year. These are the top cards for supermarket spending.
Amex Blue Cash Preferred
The undisputed king of grocery rewards. 6% cash back at U.S. supermarkets (on up to $6,000/year) is unmatched.
- Rewards: 6% at US supermarkets
- Annual Fee: $95
- Welcome Bonus: $250 after $3,000 spend in 6 months
Amex Blue Cash Everyday
No annual fee version with solid 3% grocery rewards — great if your supermarket spend is under $250/month.
- Rewards: 3% at US supermarkets
- Annual Fee: $0
- Welcome Bonus: $200 after $2,000 spend in 6 months
Capital One SavorOne
Strong grocery rewards with no annual fee, plus excellent dining rewards for food lovers.
- Rewards: 3% at grocery stores and dining
- Annual Fee: $0
- Welcome Bonus: $200 after $500 spend in 3 months
Quick Comparison
| Card | Rewards | Annual Fee | Best For |
|---|---|---|---|
| Amex Blue Cash Preferred | 6% | $95 | High grocery spend |
| Amex Blue Cash Everyday | 3% | $0 | Moderate grocery spend |
| Capital One SavorOne | 3% | $0 | Groceries + dining |
How to Choose
If you spend over $250/month on groceries, the Amex Blue Cash Preferred’s $95 annual fee is easily offset. Under that, go with a no-fee option.
Frequently Asked Questions
Do Walmart and Target count as supermarkets?
No — Amex defines “supermarkets” as traditional grocery stores. Superstores like Walmart and Target typically earn 1%.
What’s the cap on grocery rewards?
The Amex Blue Cash Preferred caps 6% rewards at $6,000/year in supermarket purchases, then drops to 1%.
Can I use a grocery card at warehouse clubs?
Costco and Sam’s Club are typically coded as wholesale clubs, not supermarkets, and earn lower rates.
Written by: Marcus Chen, Senior Credit Card Analyst at Clear Card Guide
Last Updated: May 2026
Our Editorial Standards | How We Review | Affiliate Disclosure
- Budget: Capital One SavorOne — 3% on groceries with no annual fee, great for moderate spenders
- Premium: Amex Blue Cash Preferred — highest grocery return (6%), worth $95 annual fee for heavy grocery shoppers
- Beginners: Amex Blue Cash Everyday — 3% on groceries with no annual fee, no fee to start
- Advanced: Amex Blue Cash Preferred — combine with Amex Gold for 4x on dining out
- Avoid if: You shop at warehouse stores (Costco, Sam’s) — these cards don’t bonus there
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