Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
Apply now
On Capital One‘s site

Best Groceries and Gas Credit Cards of December 2022

Compare 195 credit cards for groceries on Myfin.us.

By Hanna Volkava
Updated December 08, 2022

Best Credit Cards for Groceries in December 2022

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Capital One SavorOne Cash Rewards Credit Card best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use

SavorOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.36
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    You liked what you heard about the Capital One Savor Cash Rewards, but are skeptical about whether it’s worth the annual fee? Then, you should consider the Capital One SavorOne Cash Rewards. It comes with slightly fewer rewards but at no annual cost. You’ll earn an unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on everything else. New cardholders will get two great welcome offers – a $200 bonus if they spend $500 within the first 3 months and a 15-month 0% intro APR on purchases and balance transfers (a variable APR of 17.99% - 27.99% afterward). Other benefits offered by the Savor Cash Rewards card, like Capital One Entertainment and Capital One Travel, are also included with this one.

  • Pros:
    • Decent rewards program – Get 3% cash back on dining, entertainment, popular streaming services and at grocery stores.
    • Attractive welcome offers – New cardholders will get a $200 bonus by spending $500 in the first 3 months, plus a 15-month 0% APR period on purchases and balance transfers.
    • No annual fee – You can enjoy the many benefits of this card at no annual cost.
  • Cons:
    • Excellent credit recommended – To have a good chance of getting this card, you’ll need an excellent credit score. Those with a good credit score will have a better shot at the Capital One Savor Cash Rewards for Good Credit.
  • Benefits:
    • $200 cash bonus (once you spend $500 on purchases within the first 3 months from account opening);
    • 1% Cash Back on all other purchases;
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
View all SavorOne details
Apply now
On Capital One‘s site
Card detail

Capital One Quicksilver Cash Rewards Credit Card best for Cash Back, No Annual Fee, Daily use

Quicksilver Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.58
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $200 Cash Bonus once you spend $500 on purchases within 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Quicksilver Credit Card from Capital One® offers 1.5% Cash Back on all purchases with a $0 annual fee. It also offers a 0% intro on purchases and balance transfers for 15 months, followed by the standard APR of 17.99% - 27.99% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    New cardholders will have the opportunity to earn a bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • Pros:
    • No minimum redemption is required
    • No annual fee
    • No foreign transaction fees
    • Intro APR period on Purchases
    • Generous sign-up bonus
  • Cons:
    • No bonus rewards categories
    • Other cards offer longer intro APR periods and/or lower APR
    • You need a good credit score to get this card
  • Benefits:
    • $200 Cash Bonus (once you spend $500 on purchases within 3 months from account opening);
    • Unlimited 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Complimentary Concierge Service;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services;
    • Capital One Shopping;
    • Shop With Your Rewards.
View all Quicksilver details
Apply now
On Capital One‘s site
Card detail

Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

QuicksilverOne Capital One
Annual fee:
$39 annually
Regular APR:
28.49% Variable
Our Rating:
3.64
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Credit Card from Capital One gives you 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

    The QuicksilverOne Card has an APR of 28.49% Variable.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
View all QuicksilverOne details
Apply now
On Capital One‘s site
Card detail
Capital One® Quicksilver Secured Cash Rewards
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.14
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Quicksilver Secured Cash Rewards Credit Card offers unlimited 1.5% Cash Back on all purchases with a $0 annual fee.

    The APR for purchases and balance transfers is 28.49 Variable. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No Annual Fee
  • Cons:
    • No Intro APR period
    • High APR
    • No welcome bonus
  • Benefits:
    • 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Emergency Card Replacement;
    • Capital One® Travel.
View all Quicksilver Secured Cash Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One Quicksilver Student Cash Rewards Credit Card best for International students

Quicksilver Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.52
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $100 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Quicksilver Student Cash Rewards Credit Card is a good option for earning Cash Back on general spending. The Card earns 1.5% Cash Back on every purchase.

    The Capital One Quicksilver Student Cash Rewards Credit Card has a high interest rate of 17.99% - 27.99% (variable APR). The Card has no annual fee and no foreign transaction fees. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $100 bonus (once you spend $100 on purchases within 3 months from account opening);
    • 1.5% Cash Back on every purchase;
    • Fraud Liability;
    • Extended Warranty;
    • Travel Accident Insurance;
    • Capital One Shopping;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services.
View all Quicksilver Student Cash Rewards details
Apply now
On Capital One‘s site
Card detail

Upgrade Cash Rewards Visa® best for Good credit score

Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

View all Upgrade Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail

Capital One SavorOne Student Cash Rewards Credit Card best for International students

SavorOne Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.96
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services & at grocery stores (excluding superstores like Walmart® and Target®).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $100 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The SavorOne Student Cash Rewards Credit Card earns 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.

    The SavorOne Student Cash Rewards Credit Card has a high interest rate of 17.99% - 27.99% (variable APR).

    The Card has no annual fee and no foreign transaction fees.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $100 Cash bonus (once you spend $100 on purchases within 3 months from account opening);
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®);
    • 1% Cash Back on all other purchases;
    • Fraud Liability;
    • Extended Warranty;
    • Travel Accident Insurance;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services.
View all SavorOne Student Cash Rewards details
Apply now
On Capital One‘s site
Card detail
Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
3.53
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

View all Upgrade Triple Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail

WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

Petal® 2 “Cash Back, No Fees” Visa® WebBank
Annual fee:
$0
Regular APR:
16.74% - 30.74% Variable
Our Rating:
3.8
scorer
Credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.
  • Issuer name:
    WebBank
  • Details:

    The Petal® 2 “Cash Back, No Fees” Visa® allows people with no credit history to also enjoy generous rewards. On top of that, there are no fees (not even an annual fee) and no security deposit required. You’ll start with earning 1% cash back and it can go up to 1.5% when you pay back on time. So, after 6 timely payments you’ll start earning 1.25%, and after 12 on-time payments the rate jumps to 1.5%. Moreover, there’s also 2% - 10% cash back at selected merchants. The credit limit varies from $300 up to $10,000 and the APR is a variable 16.74% - 30.74%.

  • Pros:
    • Great credit limit range – A credit limit of maximum $10,000 (minimum $300) is relatively high for a starter card with no security deposit.
    • No fees – This card stands true to its claim – it really has no fees, no foreign transaction fee, no late/missed payment fee and no annual fee.
    • Decent cash back program – Cardholders can earn up to 1.5% cash back on every purchase, plus 2% - 10% at selected merchants.
  • Cons:
    • No balance transfers – Petal doesn’t offer balance transfers, so cardholders that are carrying a high-interest debt on another card might want to skip it.
  • Benefits:
    • No foreign transaction fee;
    • Petal 2 reports to all 3 major credit bureaus;
    • Qualify with average credit.
View all Petal® 2 “Cash Back, No Fees” Visa® details
Apply now
On WebBank‘s site
Card detail

Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

Gold Preferred® Secured Visa® Applied Bank
Annual fee:
$48 annually
Regular APR:
9.99% Fixed
Our Rating:
4.23
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      Applied Bank®
    • Details:

      The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

      The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

      Read full review

    • Pros:
      • Extremely low regular APR
      • No penalty rate
      • Guaranteed approval
      • Increase your credit limit
    • Cons:
      • No rewards system
      • A lot of fees
      • Can’t upgrade to an unsecured credit card
      • No grace period
    • Benefits:
      • Reports to All Three National Credit Bureaus;
      • Zero Fraud Liability;
      • Refundable Security Deposit;
      • Global acceptance;
      • Emergency card replacement and cash disbursement.
    View all Secured Visa® Gold Preferred® Credit Card details
    Apply now
    On Applied Bank®‘s site
    Card detail
    First Progress Platinum Prestige Mastercard® Secured Synovus Bank
    Annual fee:
    $49 annually
    Regular APR:
    13.74% Variable
    Our Rating:
    3.8
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Issuer name:
        Synovus Bank
      • Details:

        The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

        The First Progress Platinum Prestige Mastercard® doesn’t earn a welcome bonus.

        The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 13.74% (Variable for purchases), 22.74% (Variable for cash advances).

        First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

        Read full review

      • Pros:
        • Low APR for Purchases
        • No Minimum Credit Score Required
        • Reports to Three Major Credit Bureaus
        • Suitable Range of Credit Limit
      • Cons:
        • High Annual Fee
        • High Transaction Fees on Cash Advance
        • High Penalty Fees
        • No Bonuses or Rewards
        • Foreign Transaction Fees
        • Unavailability of Card for Certain Geographies in the US
      • Benefits:
        • Accepted Nationwide;
        • No Minimum Credit Score;
        • No Credit History Required.
      View all First Progress Platinum Prestige Mastercard® Secured details
      Apply now
      On First Progress’s site
      Card detail

      WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

      Petal® 1 "No Annual Fee" Visa® WebBank
      Annual fee:
      $0
      Regular APR:
      23.74% - 33.24% Variable
      Our Rating:
      4.34
      scorer
      Credit score
      No Credit History to Good (0-739)
      • Rewards Rate:
        • 2% - 10%:
        • Cash Back at select merchants.
      • Issuer name:
        WebBank
      • Details:

        The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back from select merchants.

        The Petal® 1 Card has no annual fee. The card's APR for purchases: 23.74% - 33.24% (Variable).

        The Petal® 1 "No Annual Fee" Visa® Card does not charge an annual fee or fee for foreign transactions.

        Read full review

      • Pros:
        • No Annual Fee
        • No Foreign Transaction Fee
      • Cons:
        • No welcome bonus
        • No intro APR period
      • Benefits:
        • 2 - 10% Cash Back;
        • Zero liability fraud protection;
        • $300 - $5,000 credit limits.
      View all Petal® 1 "No Annual Fee" Visa® details
      Apply now
      On WebBank‘s site
      Card detail
      First Progress Platinum Select Mastercard® Secured Synovus Bank
      Annual fee:
      $39 annually
      Regular APR:
      17.74% Variable
      Our Rating:
      3.5
      scorer
      Credit score
      No Credit History to Fair (0-669)
        • Issuer name:
          Synovus Bank
        • Details:

          The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

          The First Progress Platinum Select MasterCard® Secured doesn’t come with any welcome offers, sign-up bonuses or reward rates.

          The card's APR: 17.74% (Variable for Purchases), 23.74% (Variable for Cash Advances).

          The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

          Read full review

        • Pros:
          • No credit history required
          • No Minimum Credit Score needed
          • Low Annual Percentage Rates
        • Cons:
          • Annual Fee
          • Foreign Transaction Fee
        • Benefits:
          • Accepted Nationwide;
          • No Minimum Credit Score;
          • No Credit History Required.
        View all First Progress Platinum Select Mastercard® Secured details
        Apply now
        On First Progress’s site
        Card detail
        Capital One® Spark Cash Plus
        Annual fee:
        $150 annually
        Regular APR:
        None *
        Our Rating:
        3.62
        scorer
        Credit score
        Excellent (740-799)
        • Rewards Rate:
          • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
          • 2% Cash Back for your business on every purchase.
        • Intro Offer:
          • $1,000 Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.
        • Purchase Intro APR:
          None *
        • Balance Transfer APR:
          None *
        • Issuer name:
          Capital One
        • Details:

          The Capital One® Spark Cash Plus Credit Card earns 5% Cash Back on hotels and rental cars booked through Capital One Travel and 2% Cash Back on every purchase.

          The Card has no APR because your balance is due in full every month.

          Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.

          The Card's annual fee is $150.

        • Pros:
          • No foreign transaction fees
        • Cons:
          • Annual Fee
        • Benefits:
          • Up to $1,000 in the first 6 months;
          • $200 cash bonus every year you spend $200,000 or more;
          • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
          • 2% Cash Back on every purchase;
          • Roadside Assistance;
          • Free Employee Cards;
          • Extended Warranty;
          • $0 Fraud Liability.
        View all Spark Cash Plus details
        Apply now
        On Capital One‘s site
        Card detail
        Capital One® Spark® Cash Select
        Annual fee:
        $0
        Regular APR:
        16.24% - 22.24% Variable
        Our Rating:
        5
        scorer
        Credit score
        Excellent (740-799)
        • Rewards Rate:
          • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
          • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
        • Intro Offer:
          • $500 Cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
        • Balance Transfer APR:
          16.24% - 22.24% Variable
        • Issuer name:
          Capital One
        • Details:

          The Capital One® Spark® Cash Select Credit Card earns a $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. The Card offers 5% Cash Back on hotels and rental cars booked through Capital One Travel, 1.5% Cash Back for your business on every purchase.

          The Spark® Cash Select Card doesn't charge an annual fee.

          The card's APR is 16.24% - 22.24%.

        • Pros:
          • No Annual Fee
          • No Foreign Transaction Fee
        • Cons:
          • No Intro APR period
        • Benefits:
          • $500 cash bonus (once you spend $4,500 on purchases within the first 3 months from account opening);
          • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
          • 1.5% Cash Back for your business on every purchase;
          • $0 Fraud Liability;
          • Free Employee Cards;
          • Roadside Assistance.
        View all Spark® Cash Select details
        Apply now
        On Capital One‘s site
        Card detail
        Divvy Cross River Bank
        Annual fee:
        $0
        Regular APR:
        None
        Our Rating:
        4.04
        scorer
        Credit score
        Fair to Excellent (580-799)
        • Rewards Rate:
          • 2x - 7x:
          • Points on restaurants.
          • 2x - 5x:
          • Points on hotels.
          • 1.5x - 2x:
          • Points on recurring software subscriptions.
          • 1x - 1.5x:
          • Points on everything else.
        • Issuer name:
          Cross River Bank
        • Details:

          The Divvy Card is a corporate credit card.

          The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

          Points can be redeemed for travel, gift cards, statement credits or cash back.

          Read full review

        • Pros:
          • No fees
          • Rewards
        • Cons:
          • No sign-up bonus
        • Benefits:
          • Unlimited creation of virtual cards;
          • Scalable credit line;
          • Employee cards for everyone;
          • Enforceable budgets;
          • Expense reports.
        View all Divvy details
        Apply now
        On Cross River Bank‘s site
        Card detail

        American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

        Blue Cash Preferred® American Express
        Annual fee:
        $0 intro annual fee for the first year
        $95 for the rest years
        Regular APR:
        17.74% - 28.74% Variable
        Our Rating:
        5
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
          • 6% Cash Back on streaming (select U.S. streaming subscriptions).
          • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
          • 3% Cash Back at U.S. Gas Stations.
          • 1% Cash Back on other purchases.
        • Intro Offer:
          • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
        • Purchase Intro APR:
          0% Introductory APR for the first 12 months from the date of account opening
        • Balance Transfer APR:
          17.74% - 28.74% Variable
        • Issuer name:
          American Express®
        • Details:

          Let’s start with the best grocery store credit card in our opinion – the Blue Cash Preferred® from American Express®. It doesn’t get better than its exceptional 6% cash back rate at U.S. supermarkets (up to $6,000 spent annually and 1% afterward). The rewards program also includes a 6% cash back on streaming services, 3% at U.S. gas stations and transit (including taxis, parking, and more), and 1% on everything else. On top of this, there are three great intro offers - a $350 bonus once you spend $3,000 on purchases within the first 6 months, a 0% intro APR on purchases and balance transfers (a variable APR of 17.74% - 28.74% afterward), and $0 fees on Buy Now, Pay Later Plan It fees on plans created during the first 12 months (up to 1.33% fixed monthly fee for plans created afterward). All this is available for a reasonable annual fee of $95.

        • Pros:
          • Excellent rewards rate at U.S. supermarkets – Earn 6% cash back on all purchases at U.S. supermarkets for up to $6,000 spent annually (1% afterward).
          • Great welcome bonus – Cardholders who spend $3,000 in the first 6 months will get a whopping $350 bonus as a statement credit.
          • 0% intro APR on purchases and balance transfers – Take advantage of the 12-month 0% APR on purchases and balance transfers to finance a big purchase without interest.
        • Cons:
          • $95 annual fee – The annual fee is still a small price to pay for such great benefits.
          • Cap on groceries rewards rate – The 6% cash back rate is only applied on $6,000 spent annually.
        • Benefits:
          • Earn $250 Back (in the form of a statement credit);
          • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
          • 6% Cash Back on streaming subscriptions;
          • 3% Cash Back on transit;
          • 3% Cash Back at U.S. Gas Stations;
          • 1% Cash Back on other purchases;
          • Extended warranty;
          • Fraud Protection;
          • Return Protection;
          • Car Rental Loss and Damage Insurance;
          • Global Assist® Hotline;
          • Pay It Plan It®;
          • American Express Experiences;
          • Terms Apply.
        Card detail

        American Express® Gold Card best for Cash Back

        American Express® Gold Card
        Annual fee:
        $250 annually
        Regular APR:
        19.74% - 26.74% Variable
        Our Rating:
        2.98
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
          • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
          • 3x Points on flights booked directly with airlines or on amextravel.com.
          • 1x Points on other eligible purchases.
        • Intro Offer:
          • 60,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
        • Issuer name:
          American Express®
        • Details:

          The American Express® Gold Card is a great everyday spending card, that besides the 4x points at U.S. supermarkets (up to $25,000 spent annually), also offers 4x points at restaurants worldwide including take out & delivery in the U.S., 3x points on flights booked directly with airlines or via amextravel.com and 1x point on all other purchases. On top of that, there are a few credits, including a $120 Uber Cash and a $120 Dining Credit (which can be used, for example, at The Cheesecake Factory or GrubHub). The intro offer is up to 75,000 Membership Rewards points after you spend $4,000 in the first 6 months. That alone would cover more than three annual fees ($250).

        • Pros:
          • Great rewards on everyday purchases and flights – Earn 4x points on U.S. supermarket purchases and restaurants worldwide, as well as 3x points on flights.
          • Dining and Uber credits – These credits ($240 in total) are also almost enough to justify the annual fee cost.
          • Generous welcome bonus – New cardholders will get up to 75,000 Membership Rewards points potentially worth up to $900 (depending on how you redeem).
        • Cons:
          • High annual fee – The $250 annual fee might be too much for some people, so make sure you’ll take enough advantage of the card to justify it.
        • Benefits:
          • Up to $120 Uber Cash to Dine or Ride;
          • $100 hotel credit with The Hotel Collection;
          • 60,000 Membership Rewards® Points;
          • 4x Membership Rewards® Points on dining at restaurants;
          • 4x Membership Rewards® Points on groceries at U.S. supermarkets;
          • 3x Membership Rewards® Points on flights booked directly with airlines or on amextravel.com;
          • 1x Membership Rewards® Points on all other purchases;
          • Additional Cards;
          • American Express Experiences;
          • Car Rental Loss and Damage Insurance;
          • Baggage Insurance Plan;
          • Global Assist® Hotline;
          • The Hotel Collection;
          • Terms Apply.
        Card detail

        Chase Amazon Prime Rewards Visa Signature best for Metal

        Amazon Prime Rewards Visa Signature Chase
        Annual fee:
        $0
        Regular APR:
        17.99% - 25.99% Variable
        Our Rating:
        4.6
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 5% Cash Back at Amazon.com and Whole Foods Market with an eligible Prime membership.
          • 2% Cash Back at restaurants, gas stations and drugstores.
          • 1% Cash Back on all other purchases.
        • Intro Offer:
          • $150 Amazon Gift Card instantly upon approval.
        • Balance Transfer APR:
          17.99% - 25.99% Variable
        • Issuer name:
          Chase
        • Details:

          Those who often shop at Amazon must have heard about the Amazon Prime Rewards Visa Signature credit card. The rewards program includes 5% cash back on purchases at Amazon and Whole Foods Market, 2% back at restaurants, gas stations, and drugstores, and 1% back on everything else. There are two more great benefits – a $150 Amazon Gift Card automatically upon approval and 10% back or more on a rotating selection of Amazon products and categories. On top of this, the card has no annual fee. However, you’ll need a Prime membership for it, which costs $139 annually. If you’re not sure this will be worth it for you, you can get the Amazon Rewards Visa Signature, which still gets you a nice 3% cash back at Amazon and Whole Foods.

        • Pros:
          • Attractive rewards at Amazon & Whole Foods – Earn 5% cash back at Amazon and Whole Foods Market.
          • No annual fee – This card comes with no annual cost.
        • Cons:
          • $139 Amazon Prime membership – A requirement for this card is an Amazon Prime membership.
          • Low one-time offer – The $150 Amazon Gift Card you get as a welcome bonus is relatively low compared to bonus offers from other grocery credit cards.
        • Benefits:
          • 5% back on Amazon.com and Whole Foods purchases;
          • 2% back on restaurant, gas station and drug store purchases;
          • 1% back on other purchases;
          • $150 Amazon.com gift card;
          • Extended warranty protection;
          • Travel and emergency assistance;
          • Auto Rental Collision Damage Waiver;
          • Lost luggage reimbursement;
          • Baggage delay insurance;
          • Roadside dispatch.
        Card detail

        Blue Cash Everyday® Card from American Express best for Cash Back, Gas, 0 APR, No Annual Fee, Families, Shopping, Groceries

        Blue Cash Everyday® American Express
        Annual fee:
        $0
        Regular APR:
        17.74% - 28.74% Variable
        Our Rating:
        4.24
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 3% Cash Back on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
          • 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%).
          • 2% Cash Back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
          • 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
        • Intro Offer:
          • $150 Earn up to $150 back when you shop with PayPal merchants by earning 20% back in statement credits on your purchases, plus $100 back in statement credits after spending $2,000, all within the first 6 months.
        • Purchase Intro APR:
          0% Introductory APR for the first 15 months from the date of account opening
        • Balance Transfer APR:
          17.74% - 28.74% Variable
        • Issuer name:
          American Express®
        • Details:

          The Blue Cash Everyday® from American Express® is the no-annual-fee version of the Blue Cash Preferred®. And it’s literally a card that would earn you cash back every day with its 3% rewards rate on U.S. Online Retail Purchases, at U.S. supermarkets and gas stations, as well as 1% cash back on all other purchases. Please note that the bonus categories with a 3% rewards rate are capped at $6,000 spent annually. Furthermore, the $200 welcome bonus comes with a relatively low spending requirement - $2,000 within the first 6 months. New cardholders can also take advantage of two nice budget-friendly benefits valid during the first 15 months – 0% intro APR on purchases and balance transfers and $0 fees on Buy Now, Pay Later plans using the Plan It feature (up to 1.33% afterward).

        • Pros:
          • Generous rewards on grocery store purchases – 3% cash back at U.S. supermarkets and U.S. Online Retail Purchases.
          • No annual fee – The benefits that this card offers is as good as it gets for a no-annual-fee groceries card.
          • 0% intro APR on purchases and balance transfers – Use this card to finance your next big purchase interest-free.
        • Cons:
          • Capped rewards – The higher 3% rewards rate is capped at $6,000 spent annually for each category.
          • 2.7% foreign transaction fee – This card wouldn’t be suitable for trips abroad or international online purchases.
        • Benefits:
          • 3% Сash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%);
          • 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%);
          • 2% Cash Back at U.S. gas stations on up to $6,000 per year in purchases (then 1%);
          • 1% Cash Back on all other purchases;
          • Up to $150 back when you shop with PayPal merchants by earning 20% back in statement credits on your purchases;
          • $100 back in statement credits after spending $2,000 within the first 6 months;
          • Car Rental Loss and Damage Insurance;
          • 24/7 Global Assist® Hotline;
          • American Express Experiences;
          • Fraud Protection;
          • Pay It Plan It;
          • Additional Cards;
          • Terms Apply.
        Card detail

        Capital One Savor Rewards Credit Card best for Restaurants, Entertainment

        Capital One® Savor Cash Rewards
        Annual fee:
        $95 annually
        Regular APR:
        18.99% - 26.99% Variable
        Our Rating:
        3.52
        scorer
        Credit score
        Excellent (740-799)
        • Rewards Rate:
          • 4% Cash Back on dining and entertainment and popular streaming services.
          • 3% Cash Back at grocery stores.
          • 1% Cash Back on all other purchases.
        • Intro Offer:
          • $300 Cash Bonus once you spend $3,000 on purchases within 3 months from account opening.
        • Balance Transfer APR:
          18.99% - 26.99% Variable
        • Issuer name:
          Capital One
        • Details:

          The Capital One Savor Cash Rewards is best known for its generous rewards rate on dining and entertainment (unlimited 4%), but it also comes with a 3% cash back at grocery stores, plus 1% on everything else. The card offers $300 for cardholders who spend $3,000 within the first 3 months from account opening. A few other benefits that will make your experience more enjoyable include Complimentary Concierge Service, 24/7 Travel Assistance, and more. The card will cost you $95 annually, and the welcome bonus is enough to cover three annual fees.

        • Pros:
          • Generous cash back on food and entertainment – Earn 4% back on dining and entertainment, plus 3% - at grocery stores.
          • Great welcome bonus – By spending $3,000 in the first 3 months, you’ll get $300 in statement credit.
        • Cons:
          • $95 annual fee – This card comes at an annual cost.
          • No intro APR – Unfortunately, this card doesn’t come with an introductory APR period.
        • Benefits:
          • $300 Cash Bonus (once you spend $3,000 on purchases within 3 months from account opening);
          • 4% Cash Back on dining and entertainment and popular streaming services;
          • 3% Cash Back at grocery stores;
          • 1% Cash Back on all other purchases;
          • Extended Warranty;
          • $0 Fraud Liability;
          • Travel Accident Insurance;
          • Complimentary Concierge Service;
          • 24-hour Travel Assistance Services;
          • Shop With Your Rewards.
        Card detail

        Citi Custom Cash℠ best for Entertainment

        Custom Cash℠ Citi
        Annual fee:
        $0
        Regular APR:
        17.74% - 27.74% Variable
        Our Rating:
        5
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 5% Cash Back on your highest eligible spend category each billing cycle up to the first $500 spent and 1% Cash Back thereafter.
          • 1% Cash Back on all other purchases.
        • Intro Offer:
          • $200 Cash Back after you spend $1500 on purchases in the first 3 months of account opening.
        • Purchase Intro APR:
          0% Introductory APR for 15 months from date of account opening
        • Balance Transfer APR:
          17.74% - 27.74% Variable
        • Issuer name:
          Citi
        • Details:

          The Custom in Citi Custom Cash℠ refers to a unique feature of this card – it recognizes your highest eligible spend category and it automatically rewards you with 5% cash back on up to $500 spent in that category, each billing cycle. All other purchases earn an unlimited 1% cash back. On top of that, you can earn a $200 one-time bonus after you spend $1500 during the first 6 months of account opening. Also, for the first 15 months 0% APR will be applied to purchases and balance transfers, while afterward there’s a variable APR of 17.74% - 27.74%. Note that balance transfers have to be completed within 4 months of account opening. With this card, you won’t have to worry about an annual fee.

        • Pros:
          • Customizable rewards program – Earn 5% cash back in your highest eligible spending category on up to $500 spent each billing cycle.
          • No annual fee – This card has no annual fee.
          • Two great welcome offers – Earn $200 after spending $1500 in the first 6 months and an interest-free period of 15 months on both balance transfers and purchases.
        • Cons:
          • One higher rewards category – You’ll earn the 5% cash back rate on one spending category, while everything else will get only 1% cash back.
          • High balance transfer fee – The 5% balance transfer fee is a bit higher than the more common 3% fee.
        • Benefits:
          • $200 Cash Back;
          • 5% Cash Back on purchases in your top eligible spend category (1% Cash Back thereafter);
          • 1% Cash Back on all other purchases;
          • $0 Liability;
          • Digital Wallets;
          • Citi Entertainment®.
        Card detail

        TD Bank Target REDcard™ best for Groceries

        Target REDcard™ TD Bank
        Annual fee:
        $0
        Regular APR:
        25.15% Variable
        Our Rating:
        2.46
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 5% Cash Back on purchases at Target and Target.com.
        • Issuer name:
          TD Bank
        • Details:

          All those who frequently visit Target should take a look at the two no-annual-fee credit cards, the Target REDcard™ and the Target REDcard™ Mastercard®. The first one is a store card that you can only use at Target, while the Mastercard version can be used anywhere. The first one is not a classical rewards card as it comes with a discount rate for shopping at Target only. With both cards, you’ll get 5% off at Target, in-store and online, whenever you use your card to pay. This discount also applies to clearance prices, weekly top deals, in-store Starbucks locations, specialty gift cards, and more. Additionally, you can get most items delivered to you for free, more special offers, and an additional 30 days for returns and exchanges. New cardholders will get $40 off on a future qualifying purchase over $40 once they get approved for a Target REDcard™. Target REDcard™ Mastercard® has also 2% cash back on dining and gas plus 1% - on everything else besides Target. One noteworthy drawback of these cards would be the high APR of 25.15%, so you’d have to be diligent about paying off your balance, otherwise, you can easily pile up interest charges.

        • Pros:
          • 5% discount at Target – With these cards you’ll get 5% off of any purchase at Target (physical stores & online).
          • Cool extra perks – Benefits like free delivery, extra 30 days for returns and exchanges, and many more, will make your Target shopping experience more convenient and enjoyable.
          • No annual fee – There’s no annual cost required to use these cards.
        • Cons:
          • High APR – As is the case with most store cards, these two also have a high APR of 25.15%.
        • Benefits:
          • 5% REDcard™ discount program rules;
          • REDcard™ extended returns program rules;
          • $50 off for new RedCard holders;
          • 0% discount coupon each year on your card anniversary.
        Card detail

        Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

        Chase Freedom Unlimited®
        Annual fee:
        $0
        Regular APR:
        18.74% - 27.49% Variable
        Our Rating:
        5
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
          • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
          • 3% Cash Back on drugstore purchases.
          • 1.5% Cash Back on all other purchases.
        • Intro Offer:
          • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
          • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
        • Purchase Intro APR:
          0% Intro APR for the first 15 months that your Account is open
        • Balance Transfer APR:
          18.74% - 27.49% Variable
        • Issuer name:
          Chase
        • Details:

          The Chase Freedom Unlimited® doesn’t have a grocery stores bonus category, but it comes with a great, unlimited rewards rate of 1.5% on all purchases. The rewards program also includes 5% cash back on travel purchased through Chase, and 3% on dining (including takeout and delivery). There are three great introductory offers, starting with a $200 bonus after you spend $500 in the first 3 months of account opening, then 5% back at gas stations on up to $6,000 spent in the first year, and 0% APR for 15 months on purchases and balance transfers (18.74% - 27.49% thereafter). Balance transfers have also an intro 3% fee if made within 60 days of account opening (5% or minimum $5 thereafter). You can get all this, plus some other benefits like trip cancellation insurance, for no annual fee.

        • Pros:
          • Great flat rate plus bonus categories – The 1.5% cash back rate on all purchases is higher than the usual 1% offered by other cards on our list. Additionally, you’ll earn 5% on travel purchased through Chase and 3% on dining.
          • Solid welcome offers – Get $200 after spending $500 in the first 3 months, 5% cash back at gas stations on up to $6,000 spent in the first year, and 0% APR on purchases and balance transfers during the first 15 months.
          • No annual fee – This card offers some pretty decent features for a no-annual-fee card.
        • Cons:
          • Other fees – This card has a 3% foreign transaction fee, a regular 5% (or minimum $5) balance transfer fee, and a 5% (or minimum $10) cash advance fee.
        • Benefits:
          • Zero Liability Protection;
          • $200 intro bonus;
          • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
          • 3 percent back on dining;
          • 3 percent back at drugstores;
          • 1.5 percent Cash Back on general purchases;
          • Auto Rental Collision Damage Waiver;
          • Trip Cancellation/Interruption Insurance;
          • Travel and Emergency Assistance Services;
          • 24/7 Fraud Protection;
          • Redeem for Cash Back;
          • Gift cards.
        Card detail

        Citi Double Cash best for Cash Back, No Annual Fee, Daily use

        Double Cash Citi
        Annual fee:
        $0
        Regular APR:
        17.74% - 27.74% Variable
        Our Rating:
        4.55
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
        • Intro Offer:
          • $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.
        • Balance Transfer APR:
          17.74% - 27.74% Variable
        • Issuer name:
          Citi
        • Details:

          The Citi Double Cash credit card offers the best flat rate on the market – earn 1% when you make a purchase and 1% when you pay it back. This is valid for all purchases and you can earn unlimited cash back. There are also two great welcome offers - $200 bonus when you spend $1,500 on purchases in the first 6 months of account opening and a 0% intro APR for 18 months on balance transfers (17.74% - 27.74% thereafter). Note that you have to complete the balance transfers within 4 months of account opening to take advantage of the intro offer. Also, in that case an intro fee of 3% ($5 minimum) will be applied, after that, it’s 5% of each transfer ($5 minimum). And, you won’t have to worry about justifying an annual fee, as this card doesn’t have one.

        • Pros:
          • Outstanding flat-rate cash back on all purchases – Earn an unlimited 2% cash back every time you use your card, you’ll get 1% when you make a purchase and 1% when you pay for it.
          • Two generous intro offers – Get a $200 bonus once you spend $1,500 in the first 6 months, and a long 18-month 0% APR period on balance transfers.
          • No annual fee – Enjoy your rewards without having to pay for an annual fee.
        • Cons:
          • Pay off balance to get the full cash back – If you fail to pay at least the minimum monthly due on your card, you’ll lose 1% cash back that you get once you pay back.
        • Benefits:
          • Citi Entertainment;
          • 2% Cash Back on every purchase;
          • Fraud Protection;
          • The Lost Wallet Service;
          • $0 Liability for Unauthorized Charges.
        Card detail

        Best credit cards for Groceries

        Who doesn’t spend money on groceries? That’s one of the most popular spending categories offered by many rewards cards. To make things easier for you, we’ve come up with a list of the best credit cards for groceries. Here everyone can find its perfect grocery credit card match.

        Short Review of Best Credit Cards for Groceries

        NameBest forRewards RateAPRApply
        Capital One SavorOne Cash Rewards Credit Card
        4.36
        Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
      • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
      • 1% Cash Back on all other purchases.
      • 17.99% - 27.99% VariableApply now
        On Capital One‘s site
        Capital One Quicksilver Cash Rewards Credit Card
        4.58
        Cash Back, No Annual Fee, Daily use
      • 1.5% Cash Back on every purchase.
      • 17.99% - 27.99% VariableApply now
        On Capital One‘s site
        Capital One QuicksilverOne Cash Rewards Credit Card
        3.64
        Fair credit
      • 1.5% Cash Back on every purchase.
      • 28.49% VariableApply now
        On Capital One‘s site
        Capital One Quicksilver Secured Cash Rewards Credit Card
        3.14
      • 1.5% Cash Back on every purchase.
      • 28.49% VariableApply now
        On Capital One‘s site
        Capital One Quicksilver Student Cash Rewards Credit Card
        3.52
        International students
      • 1.5% Cash Back on every purchase.
      • 17.99% - 27.99% VariableApply now
        On Capital One‘s site
        Upgrade Cash Rewards Visa®
        4.35
        Good credit score
      • 1.5% Cash Back on payments.
      • 14.99% - 29.99% RegularApply now
        On Upgrade‘s website
        Capital One SavorOne Student Cash Rewards Credit Card
        3.96
        International students
      • 3% Cash Back on dining, entertainment, popular streaming services & at grocery stores (excluding superstores like Walmart® and Target®).
      • 1% Cash Back on all other purchases.
      • 17.99% - 27.99% VariableApply now
        On Capital One‘s site
        Upgrade Triple Cash Rewards Visa®
        3.53
      • 3% Cash Back on Home, Auto and Health categories.
      • 1% Cash Back on everything else.
      • 14.99% - 29.99% RegularApply now
        On Upgrade‘s website
        WebBank Petal® 2 “Cash Back, No Fees” Visa®
        3.8
        Beginner, No history
      • 1% - 1.5%:
      • Cash Back after making 12 on-time monthly payments.
      • 2% - 10%:
      • Cash Back from select merchants.
      • 16.74% - 30.74% VariableApply now
        On WebBank‘s site
        Applied Bank® Secured Visa® Gold Preferred® Credit Card
        4.23
        18 year old
      • This card doesn't offer cash back, miles or points.
      • 9.99% FixedApply now
        On Applied Bank®‘s site
        First Progress Platinum Prestige Mastercard® Secured Credit Card
        3.8
      • This card doesn't offer cash back, miles or points.
      • 13.74% VariableApply now
        On First Progress’s site
        WebBank Petal® 1 "No Annual Fee" Visa®
        4.34
        For bad credit
      • 2% - 10%:
      • Cash Back at select merchants.
      • 23.74% - 33.24% VariableApply now
        On WebBank‘s site
        First Progress Platinum Select Mastercard® Secured Credit Card
        3.5
      • This card doesn't offer cash back, miles or points.
      • 17.74% VariableApply now
        On First Progress’s site
        Capital One Spark Cash Plus
        3.62
      • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
      • 2% Cash Back for your business on every purchase.
      • None *Apply now
        On Capital One‘s site
        Capital One Spark Cash Select - $500 Cash Bonus
        5
      • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
      • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
      • 16.24% - 22.24% VariableApply now
        On Capital One‘s site
        Cross River Bank Divvy
        4.04
      • 2x - 7x:
      • Points on restaurants.
      • 2x - 5x:
      • Points on hotels.
      • 1.5x - 2x:
      • Points on recurring software subscriptions.
      • 1x - 1.5x:
      • Points on everything else.
      • NoneApply now
        On Cross River Bank‘s site
        American Express Blue Cash Preferred
        5
        Gas, Groceries, Streaming services, Daily use
      • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
      • 6% Cash Back on streaming (select U.S. streaming subscriptions).
      • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
      • 3% Cash Back at U.S. Gas Stations.
      • 1% Cash Back on other purchases.
      • 17.74% - 28.74% VariableLearn more
        American Express® Gold Card
        2.98
        Cash Back
      • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
      • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
      • 3x Points on flights booked directly with airlines or on amextravel.com.
      • 1x Points on other eligible purchases.
      • 19.74% - 26.74% VariableLearn more
        Chase Amazon Prime Rewards Visa Signature
        4.6
        Metal
      • 5% Cash Back at Amazon.com and Whole Foods Market with an eligible Prime membership.
      • 2% Cash Back at restaurants, gas stations and drugstores.
      • 1% Cash Back on all other purchases.
      • 17.99% - 25.99% VariableLearn more
        Blue Cash Everyday® Card from American Express
        4.24
        Cash Back, Gas, 0 APR, No Annual Fee, Families, Shopping, Groceries
      • 3% Cash Back on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
      • 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%).
      • 2% Cash Back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
      • 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
      • 17.74% - 28.74% VariableLearn more
        Capital One Savor Rewards Credit Card
        3.52
        Restaurants, Entertainment
      • 4% Cash Back on dining and entertainment and popular streaming services.
      • 3% Cash Back at grocery stores.
      • 1% Cash Back on all other purchases.
      • 18.99% - 26.99% VariableLearn more
        Citi Custom Cash℠
        5
        Entertainment
      • 5% Cash Back on your highest eligible spend category each billing cycle up to the first $500 spent and 1% Cash Back thereafter.
      • 1% Cash Back on all other purchases.
      • 17.74% - 27.74% VariableLearn more
        TD Bank Target REDcard™
        2.46
        Groceries
      • 5% Cash Back on purchases at Target and Target.com.
      • 25.15% VariableLearn more
        Chase Freedom Unlimited®
        5
        Cash Back, 0 APR, No Annual Fee, Daily use
      • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
      • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
      • 3% Cash Back on drugstore purchases.
      • 1.5% Cash Back on all other purchases.
      • 18.74% - 27.49% VariableLearn more
        Citi Double Cash
        4.55
        Cash Back, No Annual Fee, Daily use
      • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
      • 17.74% - 27.74% VariableLearn more

        Who should apply

        Capital One SavorOne Cash Rewards Credit Card

        The Capital One SavorOne is for someone who wants to earn rewards on dining, entertainment, popular streaming services and at grocery stores but is not sure they’ll be able to justify an annual fee. The low spending requirement of $500 during the first 3 months makes the $200 intro bonus easily attainable even if you don’t plan to charge much to the card.

        Read more about Capital One SavorOne Cash Rewards Credit Card

        WebBank Petal® 2 “Cash Back, No Fees” Visa®

        The Petal® 2 “Cash Back, No Fees” Visa® is a nice choice for anyone new to the credit world who has a “clean” history that won’t affect their eligibility.

        Read more about WebBank Petal® 2 “Cash Back, No Fees” Visa®

        American Express Blue Cash Preferred

        This card is usually an obvious choice for big households that spend a lot on groceries. However, even by spending $135 a month on groceries, you will be able to offset the $95 annual fee.

        Read more about American Express Blue Cash Preferred

        American Express® Gold Card

        This card is a good choice for people who often dine out or spend a lot on groceries and would also like a card with travel rewards. Americans spend an average of $4,942 annually on groceries, which equals around 20,000 reward points. Depending on how you redeem, these can be worth anywhere from $100 to $200.

        Read more about American Express® Gold Card

        Chase Amazon Prime Rewards Visa Signature

        The Amazon Prime Rewards Visa Signature card may be a good option for people who have an eligible Prime membership and often shop at Amazon.com and Whole Foods Market.

        Read more about Chase Amazon Prime Rewards Visa Signature

        Blue Cash Everyday® Card from American Express

        This card is suitable for people who spend a significant portion of their budget on groceries or gas but are not willing to commit to an annual fee. Also, it’s a great choice for those who like shopping online.

        Read more about Blue Cash Everyday® Card from American Express

        Capital One Savor Rewards Credit Card

        This card will be a great addition to the wallet of anyone who enjoys dining out and evenings spent at concerts or movies. But, even if you enjoy cooking, you’ll still get great value with the 3% back on purchases at grocery stores.

        Read more about Capital One Savor Rewards Credit Card

        Citi Custom Cash℠

        This card will work for people who don’t want to think too much about rewards and bonus categories. The card will automatically pick the category in which you spend the most and you won’t have to activate rewards. Most likely, you’ll also need another card with higher cash back in other preferred categories or all purchases to maximize your rewards.

        Read more about Citi Custom Cash℠

        TD Bank Target REDcard™

        All Target enthusiasts can greatly benefit from the Target REDcard™ credit cards. However, if you’re not careful with your balance, the interest can pile up and overshadow the benefits.

        Read more about TD Bank Target REDcard™

        Chase Freedom Unlimited®

        If you want a simple, no-annual-fee card that has a high-earning travel category but also solid rewards in other categories, the Chase​ Freedom Unlimited® is worth considering.

        Read more about Chase Freedom Unlimited®

        Citi Double Cash

        The Citi Double Cash is the perfect, laid-back card that will earn you valuable rewards each time you swipe it. But you must remember to pay off your balance each month to get its full potential.

        Read more about Citi Double Cash

        What are grocery credit cards

        Credit cards for groceries are those that will earn you valuable rewards when you use them at grocery stores. Depending on your preferences and grocery store spending, this can be a card with high grocery rewards like the Blue Cash Preferred® from American Express® (6% at U.S. supermarkets), or simply a card with a great flat rate, like the Citi Double Cash (2% back on every purchase).

        Who should apply for a grocery credit card

        Well, probably almost everyone can benefit from a credit card with grocery bonus rewards. We all spend a certain amount on groceries every month with the average American household spending around $5,000 annually according to 2020 figures. For example, considering this annual grocery spending you can earn up to $150 cash back annually with the Blue Cash Everyday® from American Express® (3% at grocery stores on up to $6,000 spent annually, 1% after).

        How to choose the right card for grocery shopping

        In order to determine the right card to take to grocery shopping, first you must look at your grocery spending habits.

        Do groceries take the largest portion of your monthly budget or are your spendings more evenly spread across several categories? – If you’re in the first group then you should definitely look for a card that has a higher rewards rate for groceries, like the American Express® Gold Card (4x points at U.S. supermarkets). And if your spending is more of a here-and-there, a good choice might be The Bank of America Cash Rewards that allows you to pick your 3% bonus category each month and it also offers 2% at grocery stores and wholesale clubs.

        Do you cook most of your meals or do you prefer to eat out? - If you’re a bit of both, the Capital One Savor Cash Rewards will earn you 4% on dining and entertainment, as well as 3% on groceries.

        How many people live in your household, can you put all your household’s grocery spending on one credit card? – If you’re part of a big household, it might be worth getting a card like the Blue Cash Preferred® from American Express®, which will earn you an outstanding 6% cash back at U.S. supermarkets on up to $6,000 spent annually.

        Are you willing to pay an annual fee? – If you’re reluctant to pay an annual fee or are not certain you’ll earn enough rewards to justify it, some solid choices would be Capital One SavorOne and the Citi Double Cash.

        What’s your credit score? – Most of the cards on our list require a good-to-excellent credit score. However, we’ve included cards that target credit-builders as well. These are the Discover it® Secured card and the Petal® 2 “Cash Back, No Fees” Visa®. The Petal® 2 “Cash Back, No Fees” Visa® is also available for those with no credit history.

        Those are just some of the things you need to consider that’ll help you narrow down your choices. Then you should also look at other features that are important to you like intro APRs, travel insurance, and more.

        How to make the most of a grocery credit card

        The first step to making the most of a grocery card would be picking the right one that’s tailored for your needs. We already discussed how to do that, so now let’s look at some other tips on how to maximize your grocery store rewards:

        • Rewards cards might help you save money, but those savings can come at a cost - If you do decide to open a new card, make sure you read the fine print. To begin with, rewards cards often come with higher annual percentage rates (APRs) and annual fees as compared to other credit cards. The average APR for rewards cards is 15.82%, whereas the average APR on a low-interest credit card is 12.79%. So, when you sign up for a rewards card, check the math: If your benefits outweigh the yearly charge, the upfront cost may be worthwhile. If a high APR or annual charge cancels out your potential savings, you're better off with a no-fee card that doesn't give rewards.
        • Pay off your balance in full each month - To get the most out of your rewards card, be sure you're not depleting your rewards with hefty interest payments.
        • Don’t focus solely on grocery rewards – Check out other spending categories that might interest you, like travel, entertainment, dining out or gas and transit.

        FAQ

        Which credit cards offer the best cash-back rewards on groceries?

        All of the cards on our list would make a great grocery cash-back card. To find the best one for you, you’ll have to look closer at the cards’ benefits and features.

        What is the best grocery credit card with rotating categories?

        One great choice would be the no-annual-fee Chase Freedom Flex℠ which offers 5% cash back in popular quarterly rotating categories like grocery stores and gas stations (up to $1,500 spent quarterly). You’ll have to remember to activate the bonus categories each quarter.

        What is the best grocery store credit card with no annual fee?

        Many of the cards on the list would be a fine no-annual-fee choice, like the Blue Cash Everyday® from American Express® and the Capital One SavorOne.

        Does Costco fall under the grocery category?

        No, Costco is a wholesale club, therefore it won’t qualify for the grocery bonus rewards. However, there’s a co-branded credit card, the Costco Anywhere Visa® by Citi which earns you 2% cash back on Costco purchases and it has no annual fee (but requires a Costco membership).

        Does Walmart count as a grocery store for credit cards?

        No, since most credit card networks consider Walmart to be a superstore. This includes Visa, Mastercard, Discover and American Express. Note that all of these do consider Walmart Neighborhood Markets as grocery stores. If you want to earn rewards at Walmart, we recommend taking a look at some Discover cards as they have introduced Walmart.com as a rotating bonus category. Also, there’s the Capital One Walmart Rewards® card which earns you 2% at Walmart stores, plus 5% at Walmart.com including pickup and delivery.

        Which is the best small-business card for grocery shopping?

        One great choice would certainly be the Capital One® Spark Business, which earns 2% cash back on all purchases and comes with a $95 annual fee that’s waived for the first year.
        Hanna VolkavaHanna Volkava

        Financial and product expert

        hv@myfin.us