\n
- \n
- \n
Annual fee<\/p>\n
$0 intro annual fee for the first year, then $95.<\/p>\n<\/li>\n
- \n
Welcome offer<\/p>\n
Earn as high as $300 cash back after spending $3,000 within the first 6 months (welcome offers vary and you may not be eligible for an offer; cash back is received as Reward Dollars, redeemable for statement credit or at amazon.com checkout)<\/p>\n<\/li>\n
- \n
Card type(s)<\/p>\n
Cash-back, Rewards<\/p>\n<\/li>\n
- \n
Introductory Purchases APR<\/p>\n
0% on purchases for 12 months<\/p>\n<\/li>\n
- \n
Ongoing Purchases APR<\/p>\n
19.49%-28.49% Variable<\/p>\n<\/li>\n
- \n
Introductory Balance Transfer APR<\/p>\n
0% on balance transfers for 12 months<\/p>\n<\/li>\n
- \n
Ongoing Balance Transfer APR<\/p>\n
19.49%-28.49% Variable<\/p>\n<\/li>\n
- \n
Recommended credit score<\/p>\n
Excellent,Good<\/p>\n<\/li>\n<\/ul>\n
- \n
- \n
Rewards rate<\/p>\n
- \n
- 6% cash back at U.S. supermarkets (on up to $6,000 in eligible purchases annually, then earn 1%)<\/li>\n
- 6% cash back on select U.S. streaming subscriptions<\/li>\n
- 3% cash back on at eligible U.S. gas stations and on transit, including taxis\/rideshare, parking, tolls, trains, buses, and more<\/li>\n
- 1% cash back on all other purchases<\/li>\n
- *Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
- \n
- \n
Benefits<\/p>\n
- \n
- Generous intro APR on purchases and balance transfers<\/li>\n
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred\u00ae Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites (subject to auto-renewal)<\/li>\n
- Split purchases of $100 or more into equal monthly installments with a fixed fee \u2014\u00a0select the purchase in your online account or the American Express\u00ae App to see your plan options<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it:<\/strong> At 6% cash back, the Blue Cash Preferred is the ultimate rewards card for U.S. supermarket shoppers. There is a $6,000 annual cap (after which you\u2019ll earn 1% cash back in the category), which averages out to around $500 in grocery purchases per month. If you have a large family and eat mostly at home, you may exceed that annual limit \u2014 but it is still within Americans\u2019 average spending of just over $5,700. If you are able to meet the 6% spending limit, you\u2019ll get up to $360 in cash back, far exceeding the card\u2019s ongoing $95 annual fee.<\/p>\n
The Amex Blue Cash Preferred can bring a lot of value to your other regular spending with additional cash-back categories for streaming, transit, and U.S. gas stations \u2014 as well as annual partner statement credits. Plus, you can enjoy plenty of outsized value over the first year between the intro $0 annual fee, generous introductory APR, and welcome bonus.<\/p>\n
Read our full review of the Amex Blue Cash Preferred Card<\/em><\/strong><\/p>\n
\n\n- \n
- \n
Annual fee<\/p>\n
$0<\/p>\n<\/li>\n
- \n
Welcome offer<\/p>\n
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening<\/p>\n<\/li>\n
- \n
Card type(s)<\/p>\n
Cash-back, Rewards<\/p>\n<\/li>\n
- \n
Purchase APR<\/p>\n
18.49% – 28.49% variable<\/p>\n<\/li>\n
- \n
Introductory APR<\/p>\n
0% intro APR on purchases and balance transfers for 12 months, then variable 18.49% – 28.49% APR<\/p>\n<\/li>\n
- \n
Recommended credit score<\/p>\n
Good, Excellent<\/p>\n<\/li>\n<\/ul>\n
- \n
- \n
Rewards rate<\/p>\n
- \n
- 8% cash back on Capital One Entertainment purchases<\/li>\n
- 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel<\/li>\n
- 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)<\/li>\n
- 1% cash back on all other purchases<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
- \n
- \n
Benefits<\/p>\n
- \n
- Generous intro APR on purchases and balance transfers for the first 12 months<\/li>\n
- No foreign transaction fees<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it:<\/strong> The Capital One Savor has a lot of potential value for shoppers who spend a lot on groceries. Unlike other cards on our list, there\u2019s no cap to the amount of grocery purchases you can earn 3% cash back on each year. If you spend around the national average of $5,703, you can earn a total of $171.09 annually, even before accounting for your savings across other categories.<\/p>\n
Those other categories make this no annual fee credit card a great option overall for anyone who budgets money for both staying in and going out, with the same 3% cash back on dining, streaming services, and entertainment (which includes concert tickets, amusement parks, movie theaters, and tourist attractions).<\/p>\n
Read our full review of the Capital One Savor Cash Rewards Credit Card<\/em><\/strong><\/p>\n
\n\n- \n
- \n
Annual fee<\/p>\n
$0<\/p>\n<\/li>\n
- \n
Welcome offer<\/p>\n
Earn as high as $200 cash back after spending $2,000 within the first 6 months (welcome offers vary and you may not be eligible for an offer; cash back is received as Reward Dollars, redeemable for statement credit or at amazon.com checkout)<\/p>\n<\/li>\n
- \n
Card type(s)<\/p>\n
Cash-back<\/p>\n<\/li>\n
- \n
Ongoing Balance Transfer APR<\/p>\n
19.49%-28.49% Variable<\/p>\n<\/li>\n
- \n
Introductory Purchases APR<\/p>\n
0% on purchases for 15 months<\/p>\n<\/li>\n
- \n
Introductory Balance Transfer APR<\/p>\n
0% on balance transfers for 15 months<\/p>\n<\/li>\n
- \n
Ongoing Purchases APR<\/p>\n
19.49%-28.49% Variable<\/p>\n<\/li>\n
- \n
Recommended credit score<\/p>\n
Excellent, Good<\/p>\n<\/li>\n<\/ul>\n
- \n
- \n
Rewards rate<\/p>\n
- \n
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\n
- 3% cash back on U.S. online retail purchases (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\n
- 3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\n
- 1% cash back on all other purchases<\/li>\n
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
- \n
- \n
Benefits<\/p>\n
- \n
- Generous intro APR on purchases and balance transfers<\/li>\n
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday\u00ae Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites (subject to auto-renewal)<\/li>\n
- Split purchases of $100 or more into equal monthly installments with a fixed fee \u2014\u00a0select the purchase in your online account or the American Express\u00ae App to see your plan options<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it:<\/strong> For no annual fee (see rates and fees), the Amex Blue Cash Everyday\u2019s 3% cash back at U.S. supermarkets can translate to a big rewards return each year. There is a $6,000 annual cap (after which you\u2019ll earn 1%) \u2014 but if you spend around the average $5,703 on groceries each year you\u2019ll be able to maximize the category and get around $171.09 back.<\/p>\n
If you also spend much of your monthly budget filling up the gas tank or shopping online, you can get even more value from this card. Each of these categories has the same $6,000 annual spending limit. If you reach the max across all three, that\u2019s a potential $540 in annual cash back. Plus, if you already have subscriptions to Disney+ and Home Chef, count on more savings in the form of monthly statement credits.<\/p>\n
Read our full review of the Blue Cash Everyday card<\/em><\/strong><\/p>\n
\n\n- \n
- \n
Annual fee<\/p>\n
$325<\/p>\n<\/li>\n
- \n
Welcome offer<\/p>\n
You may be eligible for as high as 100,000 Membership Rewards\u00ae Points after you spend $6,000 on eligible purchases in the first 6 months (welcome offers vary and you may not be eligible for an offer; apply to know if you\u2019re approved and find out your exact welcome offer with no credit score impact; if approved and you accept the card, your score may be impacted)<\/p>\n<\/li>\n
- \n
Card type(s)<\/p>\n
Travel, Rewards<\/p>\n<\/li>\n
- \n
Ongoing Purchases APR<\/p>\n
See Pay Over Time APR<\/p>\n<\/li>\n
- \n
Recommended credit score<\/p>\n
Excellent\/Good<\/p>\n<\/li>\n<\/ul>\n
- \n
- \n
Rewards rate<\/p>\n
- \n
- 4x Membership Rewards Points at restaurants worldwide (on up to $50,000 per calendar year in purchases, then 1x)<\/li>\n
- 4x Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x)<\/li>\n
- 3x Membership Rewards points on flights booked directly with airlines or on AmexTravel.com<\/li>\n
- 2x Membership Rewards points on prepaid hotels and other eligible purchases booked on AmexTravel.com<\/li>\n
- 1x Membership Rewards points on all other eligible purchases<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
- \n
- \n
Benefits<\/p>\n
- \n
- Earn up to $10 in statement credits each month when you pay with your American Express Gold Card at Five Guys, Grubhub, The Cheesecake Factory, Goldbelly, and Wine.com (enrollment required)<\/li>\n
- Up to $100 in annual statement credits ($50 semi-annually) when you use your American Express Gold Card on eligible purchases at U.S. restaurants on the Resy app or Resy.com<\/li>\n
- Up to $84 per year ($7\/month) in statement credits after you enroll and pay with your American Express Gold Card at more than 9,000 U.S. Dunkin\u2019\u00ae locations (enrollment is required to receive this benefit)<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it:<\/strong> With 4x Membership Rewards points at U.S. supermarkets, the American Express Gold Card is one of the best options for turning your grocery purchases into travel rewards. It\u2019s unlikely that most shoppers will reach the $25,000 annual spending cap \u2014 which averages out to a monthly supermarket bill over $2,000. But if you do, you could earn a whopping 100,000 Membership Rewards points from this bonus category. If your supermarket purchases are closer to the average $5,703 annually, you can still rack up 22,812 points each year.<\/p>\n
Beyond that, the Amex Gold can also help you maximize restaurant spending and flight purchases \u2014 in line with many other travel card options today. While it does carry a $325 annual fee (see rates and fees), the annual dining credits and Uber Cash cover part of the cost. Just remember to think about whether you already spend that money each month. If you\u2019re spending money simply to earn a monthly statement credit, you could end up paying more than you save over the long run.<\/p>\n
Check out all the new Amex Gold card features and benefits<\/em><\/strong><\/p>\n
\n\n- \n
- \n
Rewards rate<\/p>\n
- \n
- 10% or more on a rotating selection of items and categories on Amazon.com (with an eligible Prime membership)<\/li>\n
- 5% at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases<\/li>\n
- 2% at gas stations, restaurants, and on local transit and commuting (including rideshare)<\/li>\n
- 1% on all other purchases (unlimited)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
- \n
- \n
Benefits<\/p>\n
- \n
- Redeem daily rewards at Amazon.com or Chase.com as soon as the next day<\/li>\n
- No annual fee<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
The Prime Visa card may not be top of mind when you think of grocery credit cards, but for some shoppers, it can be a great way to maximize food spending. The card\u2019s top 5% cash back rate doesn\u2019t only apply to Amazon.com purchases \u2014 you can earn the same amount at Whole Foods Market and Amazon Fresh. So if Whole Foods is your supermarket of choice or Amazon Fresh is the grocery delivery service you use most often, you could get an unlimited 5% back on groceries (rather than work around the spending caps set by many grocery rewards cards).<\/p>\n
In addition to grocery rewards, you\u2019ll also get 5% back on Chase Travel spending; 2% back at gas stations, restaurants, and local transit and commuting (including rideshares); plus 1% back on all other spending. There\u2019s no annual fee for the Prime Visa, but you\u2019ll need an eligible Prime Membership to open the card and earn rewards.<\/p>\n
Read our full review of the Prime Visa credit card<\/em><\/strong><\/p>\n
\n\n- \n
- \n
Annual fee<\/p>\n
$0<\/p>\n<\/li>\n
- \n
Welcome offer<\/p>\n
Earn a $200 bonus after you spend $500 on purchases in the first 3 months<\/p>\n<\/li>\n
- \n
Card type(s)<\/p>\n
Rewards, Cash-back<\/p>\n<\/li>\n
- \n
Purchase APR<\/p>\n
20.49% – 29.24% variable<\/p>\n<\/li>\n
- \n
Introductory APR<\/p>\n
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%<\/p>\n<\/li>\n<\/ul>\n
- \n
- \n
Rewards rate<\/p>\n
- \n
- 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate<\/li>\n
- 5% cash back on travel purchased through Chase Travel\u2120<\/li>\n
- 3% on dining, including takeout, and drug stores<\/li>\n
- 1% on all other purchases<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
- \n
- \n
Benefits<\/p>\n
- \n
- Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more<\/li>\n
- Enjoy perks like extended warranty protection, trip cancellation insurance, cell phone protection, and auto rental collision damage waiver<\/li>\n
- Redeem your cash back rewards as a statement credit, direct deposit, gift card, on Amazon purchases, or to book travel through Chase<\/li>\n
- Use the introductory 0% APR on purchases and balance transfers for the first 15 months, after which the standard APR will apply<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it: <\/strong>The biggest bonus rewards category from Chase Freedom Flex offers 5% cash back in rotating quarterly categories, up to $1,500 in combined purchases each quarter. As a result, you may only earn 5% grocery rewards during one quarter each year \u2014 over the past few years, grocery stores have consistently shown up as a quarterly bonus category.<\/p>\n
Let\u2019s say you spend the average $5,703 on groceries annually, and you\u2019re able to max out the $1,500 limit when Chase Freedom Flex offers groceries as a 5% category (the rest of your grocery shopping would earn 1% throughout the year). You could earn $117.03 on groceries annually, before accounting for any other quarterly or standard bonus categories.<\/p>\n
Read more: <\/em><\/strong>Current Chase Freedom bonus categories<\/em><\/strong><\/p>\n
\n\n- \n
- \n
Annual fee<\/p>\n
$0 for the first year, then $95<\/p>\n<\/li>\n
- \n
Welcome offer<\/p>\n
Earn a $250 bonus after spending $2,000 within the first 120 days<\/p>\n<\/li>\n
- \n
Card type(s)<\/p>\n
Cash-back, Rewards<\/p>\n<\/li>\n
- \n
Purchase APR<\/p>\n
See issuer site for current APR<\/p>\n<\/li>\n
- \n
Recommended credit score<\/p>\n
Good, excellent<\/p>\n<\/li>\n<\/ul>\n
- \n
- \n
Rewards rate<\/p>\n
- \n
- 6% cash back on the first $1,500 in combined purchases each quarter with two retailers of your choice<\/li>\n
- 5.5% cash back on hotel and car reservations booked directly in the Rewards Travel Center<\/li>\n
- 3% cash back on the first $1,500 in purchases each quarter on one everyday category of your choice (like wholesale clubs, gas and EV charging stations, bills and utilities)<\/li>\n
- 1.5% cash back on all other purchases<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
- \n
- \n
Benefits<\/p>\n
- \n
- Retailers eligible for 6% cash back include Target, Walmart, and Amazon.com<\/li>\n
- Categories eligible for 3% cash back include bills and utilities, gas and EV charging stations, and wholesale clubs<\/li>\n
- Access to ExtendPay\u00ae Plans, which allow you to pay off balances in fixed monthly payments over time and avoid paying interest charges on eligible purchases<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it:<\/strong> This card takes some strategy to maximize, but the potential value of the U.S. Bank Shopper Cash Rewards may be worth it. To start, you\u2019ll earn 6% cash back on up to $1,500 in combined spending across two retailers you choose each quarter. Superstores like Target and Walmart are included among these choice retailers (unlike most grocery rewards cards), and this is a great option if you prefer to go grocery shopping there.<\/p>\n
And that\u2019s not all: The added option to choose wholesale clubs as your 3% category (up to $1,500 in spending each quarter) means you can further maximize your grocery spending up to $3,000 in purchases each quarter. Plus, you\u2019ll earn a minimum of 1.5% cash back on all non-category spending, even after exceeding the quarterly spending limits.<\/p>\n
But let\u2019s say you just spend the average $5,703 each year on groceries, and fit all of your spending into the 6% category with merchants that sell groceries as your choice retailers. You\u2019ll get a total $342.18 in cash back with this card each year \u2014 and even more if you take advantage of other categories.<\/p>\n
\n\n- \n
- \n
Annual fee<\/p>\n
$0<\/p>\n<\/li>\n
- \n
Welcome offer<\/p>\n
Earn $200 in cash back after spending $1,500 on purchases in the first 6 months (bonus offer will be fulfilled as 20,000 ThankYou\u00ae points, which can be redeemed for $200 cash back)<\/p>\n<\/li>\n
- \n
Card type(s)<\/p>\n
Cash-back<\/p>\n<\/li>\n
- \n
Purchase APR<\/p>\n
See issuer site for current APR<\/p>\n<\/li>\n
- \n
Introductory APR<\/p>\n
0% intro APR on balance transfers for the first 18 months<\/p>\n<\/li>\n
- \n
Recommended credit score<\/p>\n
Good to Excellent<\/p>\n<\/li>\n<\/ul>\n
- \n
- \n
Rewards rate<\/p>\n
- \n
- 5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent, 1% cash back after that)<\/li>\n
- 4% cash back on hotels, car rentals, and attractions booked on Citi Travel\u2120<\/li>\n
- 1% unlimited cash back on all other purchases<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
- \n
- \n
Benefits<\/p>\n
- \n
- No annual fee<\/li>\n
- As your spending changes, your rewards adjust automatically when you spend in any of the eligible categories each billing cycle<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it:<\/strong> This card is our choice for regular monthly grocery spending because it can be ideal for grocery shoppers who have a set amount of money to put toward groceries each month. There is a $500 monthly spending cap, but it\u2019s hard to beat the 5% you can earn up to that limit with the Citi Custom Cash. Over a year of maxing out the 5% with grocery stores as your category, you can earn up to $300 cash back. With the average $5,703 spread over a year, you could potentially earn $285.15. Just be aware of your spending and spread your grocery purchases out to not meet the monthly caps.<\/p>\n
Unlike some other customized cash-back credit cards, the Citi Custom Cash makes it easier to maximize these categories. Instead of opting into your choice category each billing cycle, you\u2019ll automatically earn 5% on purchases in the eligible category where you spend most. So if you want to use this as your grocery rewards card, you may want to designate it solely for your regular trips to the supermarket to ensure you\u2019re getting the max 5% rewards when you spend.<\/p>\n
Read our full review of the Citi Custom Cash Card<\/em><\/strong><\/p>\n
\nA co-branded grocery credit card may offer even more savings if you tend to shop at the same store each week. That\u2019s especially true if you do most of your grocery shopping at superstores or wholesale clubs \u2014 which are often excluded from earning bonus rewards with regular grocery credit cards.<\/p>\n
Here are a few store credit cards for groceries to consider:<\/p>\n
For no annual fee beyond your Costco membership price, you can use the Costco Anywhere Visa to earn 4% cash back on eligible gas station and EV charging station purchases (up to $7,000 per year, then 1%), 3% cash back at restaurants, 3% cash back on eligible travel spending, and 2% cash back on purchases at Costco and Costco.com. Everything else earns 1% cash back. If you already have a Costco membership and do much of your monthly shopping there, this card can help you maximize that grocery spending as well as other regular expenses.<\/p>\n
However, you will redeem your Costco card rewards differently than other cash-back credit cards. Each year, you\u2019ll receive a rewards certificate which you can use in one transaction at a Costco warehouse location. As with any card, ensure you understand the details of how to best earn and use your rewards before you sign up.<\/p>\n
Related: How to save on travel with your Costco credit card<\/em><\/strong><\/p>\n
\nTarget recently revamped its Target Circle rewards program \u2014 and part of the relaunch included the Target Circle Card, which offers a lot of potential savings for frequent shoppers. You\u2019ll earn 5% cash back at Target stores and on Target.com with the no annual fee card and, if you\u2019re approved for the Target Mastercard version, also earn 2% cash back on dining, 2% at gas stations, and 1% cash back on all other non-Target purchases.<\/p>\n
Other Target benefits include free two-day shipping on eligible purchases, a longer window for returns or exchanges, and other deals for cardholders that vary throughout the year. As a bonus, you can get $50 toward a future purchase after you\u2019re approved.<\/p>\n
Read more: Target Circle 360 vs. Walmart+ and Amazon Prime<\/em><\/strong><\/p>\n
\n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n
- \n