Best Cash Back Cards for Groceries

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Updated Oct 29, 2026 · Written by Cash Back Specialist Editors · Reviewed by: reviewer to be added · How we rate cards

Short answer: For large grocery budgets, the Blue Cash Preferred pays 6% at U.S. supermarkets on up to $6,000 a year (then 1%), but it costs $95 a year after the first year. With no annual fee, the Blue Cash Everyday (3% on up to $6,000) and Capital One Savor (3% at grocery stores) are the main options. This quarter, the Chase Freedom Flex also pays 5% at grocery stores when you activate.

Grocery cards compared

Card	Rewards on everyday spending	Annual fee	Welcome offer
Blue Cash Preferred	6% at U.S. supermarkets on up to $6,000 a year in purchases, then 1%	$0 intro annual fee for the first year, then $95	Not verified yet: check the issuer’s current terms
Blue Cash Everyday	3% at U.S. supermarkets, 3% on U.S. online retail purchases and 3% at U.S. gas stations, each on up to $6,000 a year in purchases, then 1%	$0	Not verified yet: check the issuer’s current terms
Savor	Unlimited 3% at grocery stores (superstores like Walmart® and Target® excluded), on dining, entertainment and popular streaming services	$0	One-time $200 cash bonus after $500 in purchases within the first 3 months
Freedom Flex	5% on up to $1,500 in combined purchases in rotating categories each quarter you activate	$0	$250 bonus after $500 in purchases in the first 3 months (Chase labeled the offer "ending soon")
Active Cash	Unlimited 2% cash rewards on purchases	$0	$100 cash rewards bonus after $500 in purchases in the first 3 months

Does the Blue Cash Preferred’s fee pay off?

Against a 3% grocery card, the Preferred earns an extra 3 percentage points at U.S. supermarkets. Once the $95 fee applies, you need about $3,167 a year in supermarket spending ($95 ÷ 0.03), about $264 a month, for the extra 3% to cover the fee. Spend the full $6,000 and the extra 3% is worth $180, or $85 after the fee. That math ignores the Preferred’s other categories, such as 6% on select U.S. streaming.

Watch the definition of “grocery store”

Card issuers decide what counts based on how a merchant is coded. Capital One says superstores like Walmart and Target are excluded from Savor’s grocery category, and Chase excludes Walmart and Target from Freedom Flex’s Q4 2026 grocery category. If you buy most groceries at a superstore or warehouse club, a flat 2% card may beat a grocery card.

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Frequently asked questions

Which card gives the most cash back on groceries?

Among the cards we checked on Oct 29, 2026, the Blue Cash Preferred's 6% at U.S. supermarkets (on up to $6,000 a year, then 1%) is the highest ongoing rate. It has a $95 annual fee after the first year.

Do grocery cards earn bonus cash back at Walmart and Target?

Often not. Capital One excludes superstores like Walmart and Target from Savor's grocery category, and Chase excludes them from Freedom Flex's Q4 2026 grocery category.

Sources

• Blue Cash Preferred® Card from American Express (official page) (checked Oct 29, 2026)
• Blue Cash Everyday® Card from American Express (official page) (checked Oct 29, 2026)
• Capital One Savor Cash Rewards (official page) (checked Oct 29, 2026)
• Chase Freedom Flex® (official page) (checked Oct 29, 2026)
• Wells Fargo Active Cash® Card (official page) (checked Oct 29, 2026)