Clear Card Guide

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  • Best Cash Back Credit Card for Groceries 2026

    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.

  • Best Cash Back Credit Cards 2026

    Cash back credit cards put money back in your pocket on every purchase. Whether you want a flat rate or bonus categories, there’s a card for every spending pattern.

    Chase Freedom Unlimited

    One of the most versatile cash back cards available, offering strong rewards across all categories with no annual fee.

    • Rewards: 1.5%–5% cash back
    • Annual Fee: $0
    • Welcome Bonus: $200 after $500 spend in 3 months

    Citi Double Cash Card

    The gold standard for flat-rate cash back — earn 1% when you buy and 1% when you pay, making it effectively 2% on everything.

    • Rewards: 2% cash back (1% + 1%)
    • Annual Fee: $0
    • Welcome Bonus: $200 after $1,500 spend in 6 months

    Blue Cash Preferred from Amex

    Top-tier grocery rewards that pay for themselves quickly if you spend regularly at U.S. supermarkets.

    • Rewards: 6% at US supermarkets, 3% gas, 1% other
    • Annual Fee: $95
    • Welcome Bonus: $250 after $3,000 spend in 6 months

    Quick Comparison

    Card Rewards Annual Fee Best For
    Chase Freedom Unlimited 1.5–5% $0 Everyday spending
    Citi Double Cash 2% $0 Simplicity
    Amex Blue Cash Preferred 6% groceries $95 Grocery shoppers

    How to Choose

    Consider your spending habits. If you spend heavily on groceries and gas, a category card beats flat-rate. If you want simplicity, a flat 2% card is hard to beat.

    Frequently Asked Questions

    What is a good cash back percentage?

    Anything above 1.5% is competitive. Top cards offer 2–6% in bonus categories.

    Do cash back rewards expire?

    Most cash back rewards don’t expire as long as your account remains open and in good standing.

    Is cash back or points better?

    Cash back is simpler and more flexible. Points can offer more value if you redeem for travel, but cash back never disappoints.