Best Cashback Credit Cards for Groceries USA 2025
finding the best cashback credit card for groceries can save you hundreds of dollars annually. With grocery prices fluctuating, cashback credit cards are one of the simplest ways to stretch your budget. Let’s dive into the top cashback credit cards for groceries that can make your shopping trips more rewarding.
Why Choose a Cashback Credit Card for Groceries?
Grocery shopping is one of the largest recurring expenses for most households. By using a cashback credit card specifically designed for grocery purchases, you can earn back a percentage of your spending, effectively lowering your overall food costs. It’s like getting paid to buy essentials.
How Cashback Credit Cards Work
Cashback credit cards reward you by returning a percentage of your spending. This can range from 1% to 6%, depending on the card and spending category.
Understanding Reward Percentages
Some cards offer higher rates for groceries but lower rates for other categories. For example, a card may offer 6% cashback on groceries and 1% on general purchases.
Limitations and Caps on Rewards
Many cashback cards have caps on how much you can earn annually. For instance, the high cashback rate may apply only up to $6,000 in grocery purchases per year.
Top Features to Look for in Grocery Cashback Cards
When selecting a cashback card, focus on these features:
High Cashback Rates
Look for cards that offer at least 3% to 6% cashback on groceries.
Low or No Annual Fees
Cards with no annual fee are ideal for maximizing your returns.
Introductory Offers and Bonuses
Some cards offer welcome bonuses after spending a specific amount within the first few months.
Best Cashback Credit Cards for Groceries in 2025
Here are the top picks for 2025:
1. Blue Cash Preferred® Card from American Express
- 6% cashback on groceries (up to $6,000/year, then 1%)
- 6% on streaming services
- $95 annual fee (waived for the first year)
2. Chase Freedom Flex℠
- 5% cashback on rotating categories (often includes groceries)
- 3% on dining and drugstores
- No annual fee
3. Citi Custom Cash℠ Card
- 5% cashback on top spending category each billing cycle (up to $500/month)
- 1% on all other purchases
- No annual fee
4. Capital One SavorOne Cash Rewards Credit Card
- 3% cashback on groceries, dining, and entertainment
- 1% on other purchases
- No annual fee
5. Bank of America® Customized Cash Rewards
- 3% cashback on groceries (choose this category)
- 2% on wholesale clubs and gas (up to $2,500/quarter)
- No annual fee
Detailed Comparison of Cashback Rates
To help you decide, here’s a breakdown of the cashback rates:
| Credit Card | Cashback Rate | Annual Fee |
|---|---|---|
| Blue Cash Preferred | 6% on groceries | $95 |
| Chase Freedom Flex | 5% on categories | $0 |
| Citi Custom Cash | 5% on top category | $0 |
| Capital One SavorOne | 3% on groceries | $0 |
| Bank of America Customized | 3% on groceries | $0 |
Pros and Cons of Using Cashback Cards for Groceries
Pros:
- Significant savings on grocery purchases
- Additional rewards in other categories
- Potential for sign-up bonuses
Cons:
- Some cards have annual fees
- Reward caps may limit benefits
- Requires disciplined spending to maximize benefits
Tips to Maximize Grocery Cashback Rewards
- Time your purchases to align with rotating categories.
- Use store loyalty programs to stack rewards.
- Keep track of category changes to optimize spending.
Common Pitfalls to Avoid
- Forgetting to pay off the balance in full can negate your rewards with interest.
- Misunderstanding reward caps may limit your returns.
How to Apply for a Cashback Credit Card
Visit the card issuer’s website and apply online. Approval is often instant if you meet credit score requirements.
Credit Score Requirements
Most cashback cards require a good to excellent credit score (typically 670+).
Conclusion(Best Cashback Credit Cards for Groceries)
A cashback credit card can turn your regular grocery shopping into a rewarding experience. With the right card, you can save money effortlessly while buying essentials.
FAQs
- Which card gives the highest cashback on groceries?
The Blue Cash Preferred® Card offers 6% cashback on groceries. - Are there cashback cards with no annual fee?
Yes, Chase Freedom Flex and Citi Custom Cash have no annual fee. - Can I stack rewards with store loyalty programs?
Absolutely! Combining loyalty programs with cashback cards boosts savings. - Do cashback cards work at all grocery stores?
Most cards work at major supermarkets, but wholesale clubs may have different rates. - What credit score is needed for these cards?
Generally, a score of 670 or higher is required.