Best Cash Back Cards for Groceries
Cash back cards ranked by effective return rate on groceries purchases.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Grocery Stores, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Top Pick
SoFi Smart Card
SoFi
5% cash back on Supermarkets
- +5% cash back on Supermarkets. Excludes Walmart, Target, Costco, Sams Club, Instacart, Wholesale Clubs, Grocery Delivery. Other superstores and warehouse clubs, convenience stores, grocery delivery services and meal-kit delivery services are also not grocery stores. Available only to individual SoFi Checking and Savings accountholders, subject to application, approval and funding; the balance must be paid in full each month and SoFi Member Rewards terms apply.
- +No annual fee
MASTERCARDCore Rate
5.0¢
per dollar on grocery stores
No annual fee
Runner-Up
Blue Cash Preferred Card from American Express
American Express
6% cash back on Supermarkets
- +6% cash back on Supermarkets
- +Annual fee $95. Other listed credits: Disney Bundle Credit (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +Amex Offers — not counted in estimated value or ranking; eligible use has not been established
AMEXCore Rate
6.0¢
per dollar on grocery stores
$95/yr (Y1 waived)
Welcome: $250 cash back
Also Great
TD Cash Credit Card
TD Bank
3% cash back on Supermarkets
- +3% cash back on Supermarkets
- +$200 cash back bonus (~$200 value)
- +No annual fee
VISACore Rate
3.0¢
per dollar on grocery stores
No annual fee
Welcome: $200 cash back
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| SoFi Smart CardSoFi | 5% cash back | 5.0¢/$ | $0 | mastercard |
| Blue Cash Preferred Card from American ExpressAmerican Express | 6% cash back | 6.0¢/$ | $95 | amex |
| TD Cash Credit CardTD Bank | 3% cash back | 3.0¢/$ | $0 | visa |
| bp rewards Visa®FNBO | 3% cash back | 3.0¢/$ | $0 | visa |
| Capital One Savor Cash Rewards Credit CardCapital One | 3% cash back | 3.0¢/$ | $0 | mastercard |
| Imagine Visa Credit CardWebBank | 3% cash back | 3.0¢/$ | $99 or $125 or $175/yr by version (set at approval) | visa |
| Savor Rewards for Good CreditCapital One | 3% cash back | 3.0¢/$ | $0 | mastercard |
| Capital One Savor Student Cash Rewards Credit CardCapital One | 3% cash back | 3.0¢/$ | $0 | mastercard |
| SavorOne Rewards from Capital OneCapital One | 3% cash back | 3.0¢/$ | $39 | mastercard |
| Blue Cash Everyday Card from American ExpressAmerican Express | 3% cash back | 3.0¢/$ | $0 | amex |
More Options
#4bp rewards Visa®No fee
3.0¢/$
#5Capital One Savor Cash Rewards Credit CardNo fee
3.0¢/$
#6Imagine Visa Credit Card$99 or $125 or $175/yr by version (set at approval)
3.0¢/$
#7Savor Rewards for Good CreditNo fee
3.0¢/$
#8Capital One Savor Student Cash Rewards Credit CardNo fee
3.0¢/$
#9SavorOne Rewards from Capital One$39/yr
3.0¢/$
#10Blue Cash Everyday Card from American ExpressNo fee
3.0¢/$
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Guides for this category
- Cash BackFlat-rate cash back versus category bonuses: a household spending comparisonA 3%/1% card beats a flat 2% card only when half your spending lands in its categories. Three households, the break-even formula, and how caps change it.
- Cash BackGrocery card rewards: supermarkets, superstores, and warehouse exclusionsGrocery bonuses follow the merchant, not the food. How supermarket, superstore, warehouse, and online grocery rules change what your card actually earns.
- Cash BackHow to choose a cash back card from your actual spendingA 3% card can earn less than a 2% card. Compare annual cash back on your real spending, apply caps and merchant rules, then subtract fees.