Best Cashback Credit Cards for Groceries USA 2025
When it comes to maximizing savings on daily purchases, cashback credit cards for groceries remain one of the most practical tools for American households. As grocery prices continue to fluctuate, having a credit card that rewards you for your purchases can make a significant difference. In 2025, the market is brimming with options that offer high cashback rates, flexible redemption, and additional perks.
Below, we break down the best cashback credit cards for groceries in the USA for 2025.
1. Blue Cash Preferred® Card from American Express
Key Cashback Rate:
6% on groceries (up to $6,000 per year), 1% thereafter.
Annual Fee: $95 (waived for the first year in some offers).
Why We Recommend It:
- One of the highest cashback rates for U.S. supermarket purchases.
- Additional 3% cashback on transit and gas stations.
- Offers $250 statement credit after spending $3,000 within the first 6 months.
- Ideal for families who spend heavily on groceries.
- Amex Offers provide additional savings at select retailers.
2. Chase Freedom Flex℠
Key Cashback Rate:
5% on rotating categories (often includes groceries), 3% on dining and drugstores.
Annual Fee: $0
Why We Recommend It:
- Quarterly rotating bonus categories frequently feature grocery stores.
- Offers $200 bonus after spending $500 in the first 3 months.
- Unlimited 1% cashback on all other purchases.
- Pairs well with other Chase Ultimate Rewards® cards for enhanced points transfer options.
3. Citi Custom Cash℠ Card
Key Cashback Rate:
5% on top spending category each billing cycle (up to $500).
Annual Fee: $0
Why We Recommend It:
- Automatically earns 5% cashback on your highest spending category, which can include groceries.
- $200 cash bonus after spending $1,500 in the first 6 months.
- No need to track rotating categories.
- Great for those with variable monthly expenses.
4. Capital One SavorOne Cash Rewards Credit Card
Key Cashback Rate:
3% on groceries, dining, entertainment, and streaming services.
Annual Fee: $0
Why We Recommend It:
- Solid 3% cashback across multiple categories including groceries.
- $200 cash bonus after spending $500 in the first 3 months.
- No foreign transaction fees – ideal for international travelers.
- Flexible redemption options, including statement credits and gift cards.
5. Bank of America® Customized Cash Rewards Credit Card
Key Cashback Rate:
3% cashback on a category of your choice (including groceries), 2% at wholesale clubs.
Annual Fee: $0
Why We Recommend It:
- Flexible reward category lets you optimize cashback for groceries.
- Preferred Rewards® members can boost cashback by up to 75%.
- $200 online bonus after spending $1,000 in the first 90 days.
- Great for those who shop at multiple grocery stores and wholesale clubs.
6. Discover it® Cash Back
Key Cashback Rate:
5% on rotating categories (often includes groceries), 1% on other purchases.
Annual Fee: $0
Why We Recommend It:
- Cashback Match – Discover matches all cashback earned at the end of the first year.
- Frequently features grocery stores in rotating categories.
- No expiration on rewards and no annual fee.
- Excellent for maximizing rewards in the first year.
7. Wells Fargo Active Cash® Card
Key Cashback Rate:
2% unlimited cashback on all purchases.
Annual Fee: $0
Why We Recommend It:
- No category restrictions – simple and straightforward 2% cashback.
- $200 cash rewards bonus after spending $1,000 in the first 3 months.
- Ideal for shoppers who want consistent rewards without managing bonus categories.
8. U.S. Bank Altitude® Go Visa Signature® Card
Key Cashback Rate:
4% on dining, 2% on groceries, gas, and streaming services.
Annual Fee: $0
Why We Recommend It:
- Earns solid cashback on groceries and dining.
- $200 bonus after spending $1,000 in the first 90 days.
- Comes with a $15 streaming credit each year.
- Best for food lovers who split spending between groceries and dining out.
9. Amazon Prime Rewards Visa Signature Card
Key Cashback Rate:
5% on Amazon and Whole Foods purchases.
Annual Fee: $0 with Prime membership.
Why We Recommend It:
- Best for Amazon and Whole Foods shoppers.
- Additional 2% cashback at restaurants, gas stations, and drugstores.
- Unlimited cashback without category limits.
- Includes extended warranty protection and travel benefits.
10. American Express® Gold Card
Key Cashback Rate:
4X points at U.S. supermarkets (up to $25,000 per year), 3X on dining.
Annual Fee: $250
Why We Recommend It:
- High-value Membership Rewards® points.
- Ideal for foodies and frequent travelers.
- $120 dining credit annually at select restaurants.
- Best for those who can maximize travel and dining rewards.
### How to Choose the Best Cashback Card for Groceries
- Spending Habits: Look at your average monthly grocery bill to choose a card that offers the highest cashback percentage.
- Annual Fees vs. Rewards: Ensure that the cashback earned offsets the card’s annual fee.
- Additional Perks: Consider other benefits like sign-up bonuses, travel rewards, and dining credits.
- Grocery Store Compatibility: Some cards may exclude wholesale clubs or discount chains. Check which stores qualify.
By strategically selecting the right credit card, you can earn substantial cashback on your grocery purchases in 2025, helping you save money on essential expenses throughout the year.
