The best credit cards to save money on groceries of 2022 – USA TODAY

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Buying groceries can take a large chunk out of your budget each month. A grocery card offering rewards gives you an incentive for shopping that you could use to pay yourself back. 
Rewards rates for grocery cards can vary, but you can earn as much as 6% cash back with cards on this list, and you can redeem rewards for gift cards, statement credits, or purchases.  
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Aside from giving you a reward for grocery hauls, some of our favorite cards have no foreign transaction fees and offer sign up bonuses to sweeten the deal. You may also be able to earn additional rewards when you spend money at restaurants, gas stations, department stores, and more. If you’re ready to get a grocery rewards card, consider these options:
My name is Taylor, and I’m a personal finance writer who’s been reviewing credit cards and rewards programs since 2015. For this roundup, I took a look at 16 options that offer grocery rewards and categorized them by rewards opportunity, annual cost, and ease of use.
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The Blue Cash Preferred from American Express makes our list as the best overall choice with a whopping 6% back at U.S. supermarkets. There’s a $95 annual fee, but it’s waived for the first year. After that, the cash back you earn can easily cover the cost. You only need to spend about $1,600 per year ($133 per month or $30 per week) in the grocery category to break even. See rates and fees.
Music lovers and binge-watchers may find this particularly worthwhile with 6% cash back on Apple Music, Netflix, HBO Max, and select U.S. streaming subscriptions. However, if you don’t think you’ll use it enough to offset the cost with rewards earnings, consider the no-annual-fee Blue Cash Everyday instead. We’ll discuss that one next.
Learn more about the Blue Cash Preferred
The Blue Cash Everyday is a no-fee grocery and gas card that packs a punch. You earn 3% cash back on the first $6,000 per year you spend at U.S. supermarkets, and 2% cash back at U.S. gas stations and U.S. department stores. Although this card and the Blue Cash Preferred have a $6,000 spending cap on groceries, Americans on average spend about $4,500 annually for “food at home,” according to the Bureau of Labor and Statistics, so shopping for your household may fit comfortably under this limit. See rates and fees.
Learn more about the Blue Cash Everyday
The Amazon Prime Rewards Visa Signature is another no-fee card that gives 5% back to eligible Amazon Prime members who shop at and Whole Foods Market. To be eligible for 5% back, you must keep the card connected to your Amazon account and maintain Prime membership by paying the annual or monthly membership fee.
While the card itself doesn’t have an annual fee, Prime membership costs $119 per year ($12.99 per month) and $59 per year ($6.49 per month) for students. But maintaining membership probably won’t be a dealbreaker for shoppers who’ve already joined to receive other Prime perks like two-day and same-day shipping.
If someone invited you to get shipping perks through their membership, you’ll earn 3% back instead of the full 5% in the top category. You can, however, upgrade to the higher rewards rate if you join Amazon Households with an eligible Prime member.
Learn more about the Amazon Prime Rewards Visa Signature
Loyal Walmart shoppers—especially those who order products and groceries online—may find a lot of value in this offer. You get 5% back when shopping at, and it includes grocery pickup and delivery.
You typically earn 2% back at Walmart locations and Walmart gas stations. However, for the first 12 months, the card gives 5% at the store checkout if you use Walmart Pay, a virtual wallet that stores your payment information for touch-free checkout.
Rewards are tracked in points and each point is worth one cent. Word of warning though: To get the most value from this card, you must be a dedicated Walmart shopper because the money you spend at other retailers that accept Mastercard will only earn 1% back.
Learn more about the Capital One Walmart Rewards
At Target, RedCard cardholders receive 5% off in-store and online purchases. The 5% discount is automatically applied when you swipe at checkout, but there are some restrictions. Prescriptions, over-the-counter pharmacy products, and eye exams at Target don’t qualify.
Cardholders get free shipping, exclusive store offers, and discount gift cards. You don’t earn rewards that can be redeemed for travel or merchandise from other retailers, so diehard Target fans will see the most value here. You could consider coupling this with a flat-rate or revolving category card to earn and redeem rewards for the spending you do outside of the big-box retailer.
Learn more about the RedCard
The Bank of America Cash Rewards offers 2% cash back when you shop at grocery stores and wholesale clubs—unique in the world of grocery cards since club shopping is usually excluded from the supermarket category. This may be a smart choice for BJ’s and Sam’s Club shoppers, and especially people who frequent Costco since the warehouse exclusively accepts Visa.
The rewards offer is 2% cash back on groceries and 3% cash back on a category of your choice. Pay close attention to the rewards cap: The combined spending limit for the 2% and 3% categories is $2,500 per quarter. The money you spend beyond the $2,500 cap earns just 1% back until the next quarter.
Bank of America customers with large account balances get an even better rewards deal. Preferred Rewards members qualify for 25% to 75% more in cash back. For the supermarket category, this equals up to a total of 3.5% cash back.
Learn more about the Bank of America Cash Rewards Card
Please note: The offers mentioned above are subject to change at any time and some may no longer be available.
Reviewed has partnered with CardRatings for our coverage of credit card products. Reviewed and CardRatings may receive a commission from card issuers.
See rates and fees for the Blue Cash Preferred Card from American Express. See rates and fees for the Blue Cash Everyday from American Express.
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Prices were accurate at the time this article was published but may change over time.


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