Best Cards for Earning Points on Groceries

From weekly stock-ups to snack runs, grocery spending is a huge part of many budgets, and the right grocery card can help maximize your purchases. The top grocery rewards cards offer impressive earning rates at supermarkets, plus bonuses for other everyday categories, so you can see rewards add up fast. If you’re shopping for essentials or a bit beyond, these cards help you turn grocery bills into extra value.

🏆 Best for restaurants

American Express® Gold Card

American Express® Gold Card

American Express® Gold Card

🏆 Best for restaurants

Annual Fee: $325

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 Membership Rewards® points after you spend $6,000 on your new Card in your first 6 months of Card Membership.
60,000
Bonus Points
Earn 60,000 Membership Rewards® points after you spend $6,000 on your new Card in your first 6 months of Card Membership.
The American Express Gold Card is a premium card that offers lucrative rewards for dining at U.S. restaurants and U.S. supermarkets, along with valuable travel benefits, making it an excellent choice for foodies and frequent travelers. While it does come with an annual fee, the card's combination of rewards and perks can provide substantial value to those who frequently dine out and travel.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Gas Stations

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

🏆 Best for Gas Stations

Annual Fee: $95

Rates & Fees
|
Terms Apply
70,000
Bonus Points
LIMITED TIME OFFER
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000
Bonus Points
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
The Citi Strata Premier is the latest and greatest card from Citi. It features solid earning rates on everyday spending categories such as air travel, hotel purchases, restaurants, supermarkets, gas, and even EV charging stations. With a low annual fee, we view it as a solid, mid-tiered card no matter if you like to earn rewards on travel or just on your everyday activities.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Daily Drop's Most Popular Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

🏆 Daily Drop's Most Popular Card

Annual Fee: $95

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

Best Cards for Earning Points on Groceries

From weekly stock-ups to snack runs, grocery spending is a huge part of many budgets, and the right grocery card can help maximize your purchases. The top grocery rewards cards offer impressive earning rates at supermarkets, plus bonuses for other everyday categories, so you can see rewards add up fast. If you’re shopping for essentials or a bit beyond, these cards help you turn grocery bills into extra value.

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Best Cards for Earning Points on Groceries
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🏆 Best for restaurants

American Express® Gold Card

American Express® Gold Card

American Express® Gold Card

🏆 Best for restaurants

Annual Fee: $325

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 Membership Rewards® points after you spend $6,000 on your new Card in your first 6 months of Card Membership.
60,000
Bonus Points
Earn 60,000 Membership Rewards® points after you spend $6,000 on your new Card in your first 6 months of Card Membership.
The American Express Gold Card is a premium card that offers lucrative rewards for dining at U.S. restaurants and U.S. supermarkets, along with valuable travel benefits, making it an excellent choice for foodies and frequent travelers. While it does come with an annual fee, the card's combination of rewards and perks can provide substantial value to those who frequently dine out and travel.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Gas Stations

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

🏆 Best for Gas Stations

Annual Fee: $95

Rates & Fees
|
Terms Apply
70,000
Bonus Points
LIMITED TIME OFFER
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000
Bonus Points
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
The Citi Strata Premier is the latest and greatest card from Citi. It features solid earning rates on everyday spending categories such as air travel, hotel purchases, restaurants, supermarkets, gas, and even EV charging stations. With a low annual fee, we view it as a solid, mid-tiered card no matter if you like to earn rewards on travel or just on your everyday activities.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Daily Drop's Most Popular Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

🏆 Daily Drop's Most Popular Card

Annual Fee: $95

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

Personal Cards

No items found.

Business Cards

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Cash Back

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

$0 intro annual fee the first year, then $95

Rates & Fees
|
Terms Apply
$250
Cash Back
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$250
Cash Back
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
The Blue Cash Preferred Card from American Express is a premium cash-back credit card, offering exceptional rewards for everyday spending (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). Although it has an annual fee (after a $0 annual fee the first year), the generous rewards and welcome bonus make it an attractive choice for individuals and families looking to maximize their cash-back earnings.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Annual Fee: $0

Rates & Fees
|
Terms Apply
$200
Cash Back
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
$200
Cash Back
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
The Blue Cash Everyday Card from American Express is a popular cash-back credit card that provides valuable rewards for everyday spending (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). It also offers new card members a welcome bonus and has no annual fee, making it a practical choice for those looking to maximize their cash-back rewards without additional costs.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take
Prime Visa

Prime Visa

Prime Visa

Annual Fee: $0

Rates & Fees
|
Terms Apply
$150 Amazon Gift Card
Amazon Rewards
Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.
$150 Amazon Gift Card
Amazon Rewards
Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.
If you're an Amazon enthusiast, this card offers solid earning rates for not only Amazon purchases, but also purchases made at Whole Foods, gas stations, restaurants, and local transit. In addition to redeeming your rewards for millions of items on Amazon, you can also redeem for cash back, gift cards, and travel at Chase.com.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

Which Card is Right for You?

If you’re a frequent shopper at places like Whole Foods, Trader Joe’s, or any big-name grocer, cards with elevated grocery rewards are a great fit. Look for cards that offer 3x to 6x points or cash back on groceries to make the most of every trip. If you prefer flexibility with points or travel rewards, there are options for that too. Find a card that fits your rewards style, whether you want straight-up cash back or transferable points for your next vacation.

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Other Ways to Earn

If groceries are one of your biggest monthly expenses, why not earn points or cash back while stocking up? Plenty of cards offer bonus categories for grocery stores, whether you prefer buying organic or just need a serious snack haul. Plus, with some cards, your grocery run might even help you hit a welcome bonus requirement. Turn that grocery bill into serious rewards!

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Pros and Cons

Pros

[.pro] Earn elevated rewards on a major spending category [.pro]

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[.pro] Great for families or anyone with a big weekly grocery bill [.pro]

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[.pro] Pairs well with cards that earn more on dining and travel [.pro]

Cons

[.con] Rewards may exclude superstores like Walmart or Target [.con]

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[.con] Often capped on yearly grocery spending [.con]

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[.con] Some cards focus on one reward type (cash back vs. points) [.con]

FAQs

Do grocery rewards work at all stores?

Grocery rewards generally work at supermarkets and big-name grocers but typically don’t apply to places like Walmart, Costco, or Target.

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Do online grocery orders count for bonus rewards?

Yes, as long as you order directly from a qualifying supermarket, online purchases usually count.

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Do grocery delivery services like Instacart qualify?

It depends. If the charge comes through as a grocery store purchase, it usually counts, but check with your card issuer to be sure.

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Can I combine grocery rewards with other bonus categories?

Absolutely! Many cards that reward groceries also offer bonuses in dining, gas, or even travel.

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Is there a limit on how much I can earn on groceries?

Many cards cap the bonus rewards on groceries at around $12,000 in spending per year, but after that, you still earn the base rate.

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Authors

Written by: McKay Moffitt

Content Specialist

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Edited by: Tiffany Eastham

Writer & Editor 

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🏆 Best for Restaurants
Learn more
What's on this page
Best Cards for Earning Points on Groceries
Best credit cards for business
Best credit cards for personal
Cards That Transfer to
Which Card is Right For You?
Other Ways to Earn
Pros & Cons
Related Videos
Related Ranked Lists
Browse Other Categories of Cards
FAQs