r/lists • Posted by Sarah Chen💰 Finance
Top Cash Back Credit Cards for Grocery Shopping (Supermarkets Only) 2026
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| # | Title | Grocery Cash Back Rate | Annual Fee | Welcome Offer | Grocery Earning Cap | Actions |
|---|---|---|---|---|---|---|
| 1 | American Express Blue Cash Preferred Card | 6% at U.S. supermarkets | 95 | Up to $300 cash back after spending $3,000 in 6 months | Up to $6,000 per year (then 1%) | |
| 2 | American Express Blue Cash Everyday Card | 3% at U.S. supermarkets | 0 | Up to $200 cash back after spending $2,000 in 6 months | Up to $6,000 per year (then 1%) | |
| 3 | Citi Custom Cash Card | 5% on top eligible spending category (including groceries) | 0 | $200 cash back after spending $1,500 in 6 months | Up to $500 per billing cycle (then 1%) | |
| 4 | Capital One SavorOne Cash Rewards Credit Card | Unlimited 3% at grocery stores (excluding superstores) | 0 | $200 cash bonus after spending $500 in 3 months | No cap | |
| 5 | Chase Freedom Flex | 5% on rotating categories (often includes groceries/Whole Foods) | 0 | $200 cash back after spending $500 in 3 months | Up to $1,500 in combined bonus category spending per quarter (then 1%) | |
| 6 | Amazon Prime Rewards Visa Signature Card | 5% at Whole Foods Market & Amazon Fresh (with eligible Prime membership) | 0 | $250 Amazon gift card instantly upon approval (variable) | No cap on Whole Foods/Amazon Fresh | |
| 7 | Chase Sapphire Preferred Card | 3x points on online grocery purchases (3% equivalent) | 95 | 75,000 bonus points after spending $5,000 in 3 months | No cap on online groceries | |
| 8 | Bank of America Customized Cash Rewards credit card | Up to 3% (or 6% for first year) on a chosen category like groceries; 2% on grocery stores | 0 | $200 online cash rewards bonus after spending $1,000 in 90 days | $2,500 in combined quarterly spending (choice category + 2% category) | |
| 9 | American Express Gold Card | 4x Membership Rewards points at U.S. supermarkets (4% equivalent for cash back) | 250 | Up to 100,000 points (varies) | Up to $25,000 per year (then 1x) | |
| 10 | U.S. Bank Cash+® Visa Signature® Card | 5% on two chosen categories (including grocery stores) | 0 | $200 bonus after spending $1,000 in 90 days | Up to $2,000 in combined quarterly spending (on chosen 5% categories) |
Grocery Cash Back Rate6% at U.S. supermarkets
Annual Fee95
Welcome OfferUp to $300 cash back after spending $3,000 in 6 months
Grocery Earning CapUp to $6,000 per year (then 1%)
Grocery Cash Back Rate3% at U.S. supermarkets
Annual Fee0
Welcome OfferUp to $200 cash back after spending $2,000 in 6 months
Grocery Earning CapUp to $6,000 per year (then 1%)
Grocery Cash Back Rate5% on top eligible spending category (including groceries)
Annual Fee0
Welcome Offer$200 cash back after spending $1,500 in 6 months
Grocery Earning CapUp to $500 per billing cycle (then 1%)
Grocery Cash Back RateUnlimited 3% at grocery stores (excluding superstores)
Annual Fee0
Welcome Offer$200 cash bonus after spending $500 in 3 months
Grocery Earning CapNo cap
Grocery Cash Back Rate5% on rotating categories (often includes groceries/Whole Foods)
Annual Fee0
Welcome Offer$200 cash back after spending $500 in 3 months
Grocery Earning CapUp to $1,500 in combined bonus category spending per quarter (then 1%)
Grocery Cash Back Rate5% at Whole Foods Market & Amazon Fresh (with eligible Prime membership)
Annual Fee0
Welcome Offer$250 Amazon gift card instantly upon approval (variable)
Grocery Earning CapNo cap on Whole Foods/Amazon Fresh
Grocery Cash Back Rate3x points on online grocery purchases (3% equivalent)
Annual Fee95
Welcome Offer75,000 bonus points after spending $5,000 in 3 months
Grocery Earning CapNo cap on online groceries
Grocery Cash Back RateUp to 3% (or 6% for first year) on a chosen category like groceries; 2% on grocery stores
Annual Fee0
Welcome Offer$200 online cash rewards bonus after spending $1,000 in 90 days
Grocery Earning Cap$2,500 in combined quarterly spending (choice category + 2% category)
Grocery Cash Back Rate4x Membership Rewards points at U.S. supermarkets (4% equivalent for cash back)
Annual Fee250
Welcome OfferUp to 100,000 points (varies)
Grocery Earning CapUp to $25,000 per year (then 1x)
Grocery Cash Back Rate5% on two chosen categories (including grocery stores)
Annual Fee0
Welcome Offer$200 bonus after spending $1,000 in 90 days
Grocery Earning CapUp to $2,000 in combined quarterly spending (on chosen 5% categories)
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