ByI’m looking for the best grocery credit cards in 2025. Discover top picks for supermarkets, Walmart, and Target
The Best Grocery Credit Cards in 2025 — Maximize Your Savings on Groceries
When someone asks, “What’s the best credit card for groceries?” — the honest answer is, it depends. Grocery shopping isn’t one-size-fits-all anymore. Some shop at traditional grocery chains, others rely on Walmart, Target, or Costco. Many people split their shopping across all three. And here’s the catch: not all credit cards define “grocery stores” the same way.
In this article, we break down the best grocery credit cards in 2025, categorized by store type and spending habits, so you can pick the right one to maximize your rewards.
Top Grocery Cards for Traditional Supermarkets
1️⃣ Citi Custom Cash℠ Card
The Citi Custom Cash℠ Card is a no-annual-fee credit card that automatically gives you 5% cash back (as ThankYou® Points) on your top eligible spending category each billing cycle—such as restaurants, groceries, gas, or streaming—on up to $500 in purchases.
All other purchases earn 1% back. It also offers a $200 welcome bonus after meeting a minimum spend and includes a 0% intro APR on purchases and balance transfers for 15 months. The card is ideal for maximizing rewards in your most-used category without needing to track or activate anything.
- Rewards: 5x ThankYou Points on top eligible category (including groceries) up to $500/month.
- Why It’s Great: Perfect for individuals with modest monthly grocery spending who want high cashback or transferable points.
- Extra Tip: Pair with Citi Premier for valuable transfer partners.
2️⃣ Amex Blue Cash Preferred® Card
The Amex Blue Cash Preferred® Card is a popular cash-back credit card offered to individuals and families who spend a considerable amount on their everyday items. They offer a nice cash–back rate which allows cardholders to earn 6% cash back on U.S.
supermarkets (up to $6,000 per year, then 1%) and select U.S. streaming subscriptions. Cardholders can also earn 3% cash back at U.S. gas stations and on transit (which includes taxis, rideshares, tolls, and public transportation), and 1% cash back on all other eligible purchases.
Although the card has an annual fee after the first year ($0 intro annual fee for the first year, then $95), many cardholders often see that the powerful reward rates in everyday spending categories allow them to easily offset the annual fee, making this a great way to maximize cash back on everyday expenses.
- Rewards: 6% cashback at U.S. supermarkets (up to $6,000/year).
- Annual Fee: $0 first year, then $95.
- Why It’s Great: High grocery rewards plus 6% on streaming services.
3️⃣ Amex Gold Card
The American Express Gold Card is a top-notch charge card for consumers who spend heavily on dining and groceries, as it earns bonus Membership Rewards points, including 4X points on dining worldwide and at U.S. supermarkets (on up to $25,000 per calendar year, then 1X).
In addition to a great earning structure on routine food spending, it has valuable statement credits (e.g., monthly dining credits with select partners and Uber Cash) that can help offset the annual fee.
While the card does not offer many travel-related perks (i.e., no airport lounge access), it does provide flexibility for transferring points to various airline and hotel loyalty programs. This flexibility, combined with everyday purchases, makes it an excellent option for earning travel rewards for those same everyday purchases. Plus, being a charge card, it doesn’t typically have a preset spending limit, allowing even more flexibility, based on creditworthiness.
- Rewards: 4x points at U.S. supermarkets (up to $25,000/year).
- Annual Fee: $325.
- Why It’s Great: Strong dining and grocery multipliers if you value Membership Rewards points.
4️⃣ Hilton Honors Surpass® (Amex)
It generally has an annual fee (often with an introductory $0 for the first year). The value of the card often comes from maximizing the Hilton credits, elite status benefits, and earning/redeeming points for hotel stays.
- Rewards: 6x Hilton points at U.S. supermarkets.
- 12x points on eligible Hilton purchases
- Annual Fee: $150.
- Why It’s Great: Stack grocery spending towards Hilton free nights.
Cards for Big Box Retailers (Walmart, Target, Costco)
1️⃣ PayPal Debit Mastercard®
The PayPal Debit Mastercard® is a debit card directly linked to your PayPal balance, allowing you to spend the money in your PayPal account anywhere Mastercard is accepted, both online and in physical stores. It functions much like a traditional bank debit card but draws funds directly from your PayPal balance rather than a traditional checking account
. Key features often include the ability to earn cash back on eligible purchases (with categories that may rotate monthly), access your PayPal funds via ATM withdrawals (though fees may apply for out-of-network ATMs), and the convenience of managing your spending directly within the PayPal app.
It does not involve a credit check, as it’s a debit product, and typically has no monthly fees for card usage for domestic purchases, though international transaction fees and ATM withdrawal fees for non-MoneyPass ATMs usually apply.
- Rewards: 5% cashback on the grocery category up to $1,000/month.
- Why It’s Great: Works at Walmart, Target, Costco — no annual fee.
2️⃣ AAA Daily Advantage Mastercard®
The AAA Daily Advantage Mastercard® is a cash-back credit card offered by AAA, designed to reward cardholders for everyday spending with a particular focus on common household expenses. It typically offers a high cash back rate on grocery store purchases, and a solid rate on categories like gas and electric vehicle charging, wholesale clubs, streaming services, pharmacies, and purchases made directly with AAA.
All other purchases generally earn a base cash back rate. This card usually comes with no annual fee and no foreign transaction fees, making it a good option for those who want to maximize rewards on essential spending without incurring extra costs. There’s often a welcome bonus for new cardholders who meet a specified spending requirement within the first few months.
Cash back can typically be redeemed as statement credits, direct deposits, or for qualifying purchases at participating AAA locations. It’s important to note that the higher cash back categories may have an annual cap on earnings, after which the rate reverts to the base earning rate.
- Rewards: 5% on groceries, 3% on wholesale clubs.
- Why It’s Great: Walmart counts as groceries, with no foreign transaction fee.
3️⃣ Bank of America® Customized Cash Rewards
The Bank of America® Customized Cash Rewards credit card is a versatile cash-back card that empowers cardholders to maximize their rewards on everyday spending by choosing their own 3% cash back category.
This adaptable feature allows you to select from options like gas and EV charging stations, online shopping (including streaming, cable, internet, and phone plans), dining, travel, drug stores and pharmacies, or home improvement and furnishings, and you can change this choice once a month to align with your spending habits.
Additionally, it offers an automatic 2% cash back at grocery stores and wholesale clubs, and 1% on all other purchases. The 3% and 2% bonus categories are capped at a combined spending limit each quarter, after which the rate reverts to 1%. There’s typically no annual fee, and new cardholders often receive an introductory cash rewards bonus and a 0% introductory APR on purchases and balance transfers. For Bank of America Preferred Rewards® members, the earning potential is even greater, with the ability to earn 25% to 75% more cash back on all purchases, boosting the chosen category rate significantly.
- Rewards: 3% (up to 5.25% with/ Preferred Rewards) via Walmart Pay as “Online Shopping.”
- Why It’s Great: Stackable benefits if you’re a Bank of America client.
4️⃣ U.S. Bank Shopper Cash Rewards®
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is a unique and high-earning cash-back credit card designed for savvy shoppers who are willing to actively manage their rewards.
Its standout feature is the ability to earn an impressive 6% cash back on up to $1,500 in combined spending each quarter at two retailers you choose from a list of over two dozen popular brands (e.g., Amazon, Apple, Walmart, Target, Best Buy, Home Depot). Additionally, it offers 3% cash back on up to $1,500 in spending per quarter in one everyday category you select, such as wholesale clubs, gas and EV charging, or bills and home utilities.
All other eligible purchases earn 1.5% cash back, and you can also earn 5.5% cash back on prepaid hotel and car rentals booked through the U.S. Bank Rewards Center. While it does come with a $95 annual fee (waived for the first year), its high earning rates in customizable categories make it potentially very lucrative for those who strategically align their spending with the chosen bonus categories each quarter.
- Rewards: 6% at selected retailers (Walmart, Target); 3% wholesale clubs.
- Annual Fee: $0 first year, $95 thereafter.
- Why It’s Great: Tailored cashback categories.
5️⃣ Target Circle™ Card
The Target Circle™ Card is a loyalty-focused payment option for frequent Target shoppers, coming in credit, debit, and reloadable card versions. Its primary benefit across all versions is an instant 5% discount on most eligible purchases made at Target stores and Target.com.
Beyond the immediate savings, cardholders also enjoy perks like an extended 30-day return window on purchases and free 2-day shipping on eligible Target.com orders, with no minimum purchase required.
While the core credit and debit cards are primarily for Target-specific use, the Target Circle Mastercard (a credit card upgrade) offers additional earning potential with 2% cash back on dining and gas, and 1% on other outside-Target purchases, redeemable as Target gift cards. There’s typically no annual fee for any version of the Target Circle Card, and it also provides a discount on the annual fee for Target Circle 360, Target’s paid membership for unlimited same-day delivery.
- Rewards: 5% off Target and Target.com purchases.
- Why It’s Great: Simple discount, includes groceries.
🔹 Options for Amazon, Instacart & Specialty Grocery Delivery
1️⃣ Chase Amazon Prime Visa®
The Chase Amazon Prime Visa is a cash-back credit card tailored for Amazon Prime members, offering enhanced rewards on purchases made within the Amazon ecosystem.
Cardholders earn a high percentage of cash back on Amazon.com, Amazon Fresh, Whole Foods Market, and on travel booked through Chase Travel. Additionally, it provides a solid cash back rate at gas stations, restaurants, and on local transit and commuting, with 1% back on all other eligible purchases.
This card typically carries a $0 annual fee, though an active Amazon Prime membership is required to unlock its highest earning potential. Other benefits often include an instant Amazon gift card upon approval, no foreign transaction fees, and various purchase and travel protections, making it a valuable tool for frequent Amazon shoppers and those who spend regularly in its bonus categories
- Rewards: 5% back at Amazon, Whole Foods, and Amazon Fresh.
- Why It’s Great: No annual fee, great for Amazon loyalists.
2️⃣ Chase Instacart Mastercard®
The Chase Instacart Mastercard is a co-branded cash-back credit card designed for individuals who frequently use the Instacart grocery delivery and pickup service. It offers a high cash back rate on eligible Instacart app and Instacart.com purchases,
as well as on travel booked through Chase Travel. Additionally, cardholders can earn a decent cash back rate at restaurants, gas stations, and on select streaming services, with a base rate on all other purchases.
A notable feature is its $0 annual fee and no foreign transaction fees. New cardmembers typically receive an Instacart credit and a complimentary year of Instacart+ membership upon approval, which includes perks like free delivery on eligible orders and reduced service fees. The card also comes with various travel and shopping protections, making it a well-rounded option for those looking to maximize rewards on their Instacart spending and everyday essentials.
- Rewards: 5% cashback on Instacart up to $6,000/year.
- Why It’s Great: Useful for frequent grocery delivery users.
🔹 Honorable Mentions for Travel or Flexible Points
If you value flexible points or travel rewards more than cashback:
- Citi Strata Premier®: 3x points on groceries, no foreign transaction fees.
- Capital One Savor®: 3% on groceries.
Final Thoughts: Choose the Card That Fits Where You Shop
There is no universal “best” grocery credit card — it hinges entirely on your habits:
- Traditional grocery stores? Go with Citi Custom Cash or Amex Blue Cash Preferred.
- Walmart, Target, Costco? Consider PayPal Debit Mastercard or AAA Daily Advantage.
- Delivery? Amazon Prime or Instacart cards are your best bet.
And remember: Annual fees and spending limits matter. Choose wisely to ensure you’re maximizing rewards, not paying unnecessary fees.
