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

Annual Fee: $325

Rates & Fees|Terms Apply

As high as 100kBonus Points

You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

The American Express Gold Card is a premium card that offers lucrative rewards for dining at restaurants worldwide 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.

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🏆 Best for Gas Stations

Citi Strata Premier® Card

Annual Fee: $95

60,000Bonus Points

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening.

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.

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Wells Fargo Active Cash® Card

Annual Fee: $0

200Bonus Points

Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months.

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🏆 Our Most Popular Card

Chase Sapphire Preferred® Card

Annual Fee: $95

100,000Bonus Points

LIMITED TIME OFFER

Earn 100,000 bonus points after you spend $5,000 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.

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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.

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!

Pros and Cons

Pros

Earn elevated rewards on a major spending category

Great for families or anyone with a big weekly grocery bill

Pairs well with cards that earn more on dining and travel

Cons

Rewards may exclude superstores like Walmart or Target

Often capped on yearly grocery spending

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

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.

Do online grocery orders count for bonus rewards?

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

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.

Can I combine grocery rewards with other bonus categories?

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

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.

Why Trust Daily Drop?

At Daily Drop, our editorial team is made up of seasoned travel and credit card experts who have spent years mastering travel rewards and testing the best strategies firsthand. Founder Nate Buchanan, of Kara and Nate, has personally earned and redeemed millions of points and miles over the past 10+ years, saving tens of thousands of dollars on travel. Our team shares similar hands-on experience, ensuring our recommendations are practical, tested, and built on real-world knowledge. After all, we wouldn’t be Daily Drop if we weren’t practicing what we preach.

Our independent reviews break down rewards, perks, fees, and overall value to help you make informed decisions. We also analyze audience data, considering reader engagement and trends, so our recommendations reflect what actually matters to you.

While we may earn a commission if you apply for a card through our site, our opinions are our own — based solely on expert analysis and firsthand experience, not influenced by any bank, credit card issuer, hotel, airline, or other entity. Our goal is simple: helping you maximize your rewards and travel smarter.

Read our full methodology for more information.

Authors

Written by: McKay Moffitt

Writer

Edited by: Tiffany Eastham

Writer & Editor

Updated:Mar 6, 2025