Best Cashback Credit Cards for Groceries in the USA

Last Updated on December 2, 2025 by Amrita Das

Groceries are a major household expense, with the average family spending around $500 a month in 2023. If you’re not using a credit card that rewards you for those purchases, you could be leaving money on the table.

The right cashback credit card can turn your weekly grocery run into significant savings, putting hundreds of dollars back into your pocket each year.

However, choosing the best card isn’t always straightforward. Some offer high reward rates but come with an annual fee, while others have spending caps or rotating categories. To help you find the perfect match for your spending habits, I have compared some of the top cashback credit cards for groceries available in the USA.

In this guide, I will share their features, rewards, and fees so you can make an informed decision and start maximizing your savings.

Table of Contents

Our Top Picks for Grocery Cashback Cards

Here are our top recommendations for credit cards that offer excellent cashback rewards on grocery spending. We’ve categorized them to help you find the best fit for your needs, whether you’re looking for the highest possible reward rate, a no-annual-fee option, or a card that also rewards travel.

Best for High Cashback Rate: Blue Cash Preferred® Card from American Express

For those who want to earn the highest possible rate on groceries, the Blue Cash Preferred® Card from American Express is hard to beat. It offers an industry-leading 6% cash back at U.S. supermarkets.

Grocery Rewards: 6% cash back at U.S. supermarkets on up to $6,000 in purchases per year (then 1%).
Other Key Rewards: 6% back on select U.S. streaming subscriptions, 3% at U.S. gas stations and on transit, and 1% on all other purchases.
Annual Fee: $95 ($0 introductory annual fee for the first year).
Sign-Up Bonus: Earn a $250 statement credit after spending $3,000 in purchases within the first 6 months.
Best For: Households that spend up to $500 per month on groceries at traditional supermarkets and want to maximize their cash back. The annual fee is easily offset if you spend at least $1,600 on groceries per year.

Best No-Annual-Fee Card: Blue Cash Everyday® Card from American Express

If you prefer to avoid annual fees, the Blue Cash Everyday® Card from American Express is an excellent choice. It offers a solid cashback rate on groceries without the yearly cost.

Grocery Rewards: 3% cash back at U.S. supermarkets on up to $6,000 in purchases per year (then 1%).
Other Key Rewards: 3% cash back on U.S. online retail purchases and at U.S. gas stations (on up to $6,000 per year in each category, then 1%).
Annual Fee: $0.
Sign-Up Bonus: Earn a $200 statement credit after spending $2,000 in purchases within the first 6 months.
Best For: Individuals and families who want a simple, no-fee card that still provides strong rewards on everyday spending categories like groceries, gas, and online shopping.

Best for Flexible Spending: Citi Custom Cash® Card

The Citi Custom Cash® Card offers a unique approach to rewards. It automatically gives you 5% cash back in your top eligible spending category each billing cycle, which can easily be grocery stores if that’s where you spend the most.

Grocery Rewards: 5% cash back on up to $500 spent in your top eligible category each billing cycle (then 1%). Grocery stores are an eligible category.
Other Key Rewards: 1% cash back on all other purchases.
Annual Fee: $0.
Sign-Up Bonus: Earn $200 cash back after spending $1,500 on purchases in the first 6 months.
Best For: People with concentrated spending in one area. If your grocery budget is around $500 a month, this card automatically maximizes your rewards without requiring you to track categories.

Best for Grocery Delivery: Instacart Mastercard®

If you rely on grocery delivery services, the Instacart Mastercard® is designed for you. It offers a high cashback rate on all purchases made through the Instacart platform.

Grocery Rewards: 5% cash back on Instacart purchases, including at a wide range of grocery stores, wholesale clubs, and drugstores.
Other Key Rewards: 5% cash back on travel booked through the Chase travel portal, and 2% back at restaurants and gas stations.
Annual Fee: $0.
Sign-Up Bonus: Receive a $50 Instacart credit automatically on approval.
Best For: Frequent users of Instacart who want to earn significant rewards on their delivery orders.

Best for Flat-Rate Rewards: Citi Double Cash® Card

For ultimate simplicity, the Citi Double Cash® Card offers a straightforward flat cashback rate on everything you buy, including groceries. There are no categories to track or spending caps to worry about.

Grocery Rewards: Earn an effective 2% cash back on all purchases — 1% when you buy and another 1% when you pay your bill.
Other Key Rewards: The 2% rate applies to all spending categories.
Annual Fee: $0.
Sign-Up Bonus: Earn $200 cash back after spending $1,500 on shopping in the first 6 months.
Best For: Anyone seeking a simple, no-fuss rewards structure. It’s a reliable choice if your grocery spending happens at stores that are often excluded from bonus categories, like Walmart or Target.

Best for Groceries and Dining: American Express® Gold Card

If you spend heavily on both dining out and groceries, the American Express® Gold Card offers premium rewards in both categories. Instead of cash back, it earns valuable Membership Rewards® points.

Grocery Rewards: 4X Membership Rewards® points at U.S. supermarkets on up to $25,000 a year (then 1X point).
Other Key Rewards: 4X points at restaurants worldwide and 3X points on flights booked directly with airlines.
Annual Fee: $325.
Sign-Up Bonus: Varies, but can be quite generous for new cardmembers.
Best For: High spenders who can take advantage of the generous points structure and various travel and dining credits to offset the substantial annual fee. The points are most valuable when transferred to airline and hotel partners.