Are you getting the most out of your grocery shopping? With rising food prices, now is the perfect time to explore grocery cards that offer cash back, rewards, and exclusive discounts. Whether you shop at Kroger, H-E-B, Mariano’s, or prefer online grocery delivery, there’s a grocery card or credit card that can help you save more every time you shop.
What Are Grocery Cards?
Grocery cards can come in two forms: store-specific rewards cards and credit cards that reward grocery spending. Store rewards cards help you earn points or discounts at a specific grocery chain, while select credit cards offer elevated cash back or points on grocery purchases—sometimes as high as 6%.
Let’s dive into the most popular grocery cards and how they can help you stretch your food budget further.
Best Credit Cards for Grocery Shopping
Chase Grocery Credit Cards: Maximizing Everyday Purchases
Chase offers several credit cards that reward you for your grocery store purchases—perfect for those who want both convenience and points.
Chase Sapphire Preferred® and Chase Sapphire Reserve®
These cards are popular for travel rewards but also offer points on online grocery purchases (excluding Walmart and Target). If you frequently order groceries online from services like Instacart, you’ll benefit from 3x points (Sapphire Preferred) or 3x points plus additional benefits (Sapphire Reserve) on qualifying purchases.
Chase Freedom Flexâ„
With rotating 5% cash back categories that often include grocery stores, Chase Freedom Flexâ„ is an excellent no-annual-fee option. When groceries are in the quarterly bonus category, you earn 5% on up to $1,500 in purchases.
Best Chase Card for Groceries Overall
If your focus is strictly on groceries—especially online—Chase Sapphire Preferred® offers consistent value with flexible redemption options and strong bonus categories.
Store-Specific Grocery Cards
H-E-B Rewards Card
Texas shoppers know the value of the H-E-B Rewards Card, which is free and easy to use.
Key Offerings
- Earn digital coupons and personalized deals
- Collect points on select purchases
- Redeem rewards at checkout or through the H-E-B app
H-E-B also has a branded credit card, which may offer additional savings or exclusive promotions.
Mariano’s Rewards Card
The Mariano’s Rewards Card allows Chicagoland shoppers to earn Fuel Points and digital coupons.
Key Benefits
- Exclusive pricing on select items
- Bonus points promotions
- Integration with the Kroger family of stores for even broader rewards
Kroger Credit Card
The Kroger Rewards World Elite Mastercard® is a strong option for regular Kroger shoppers.
Key Offerings
- 5% cash back on mobile wallet purchases
- 2% cash back inside Kroger and other Kroger family stores
- Fuel discounts when linked to your Kroger Rewards account
- No annual fee
For those loyal to the Kroger brand, this card helps turn everyday spending into real savings.
What Is the Best Credit Card for Groceries Overall?
While store-specific cards are great for in-store savings, many consumers prefer a general credit card that rewards them on grocery purchases across multiple retailers.
Here are a few of the top credit card options for groceries in 2025.
1. Blue Cash Preferred® Card from American Express
- 6% cash back at U.S. supermarkets (up to $6,000/year)
- 3% at gas stations and transit
- Great for households with significant grocery budgets
2. Chase Sapphire Preferred®
- 3x points on online groceries (excludes Walmart/Target)
- Flexible redemption for travel or cash back
- Valuable signup bonus
3. Capital One SavorOne Cash Rewards Credit Card
- 3% cash back at grocery stores
- No annual fee
- Good option for moderate spenders
How to Choose the Right Grocery Card
Here are a few factors to consider:
- Where you shop – Choose a store card (like H-E-B or Kroger) if you shop there regularly.
- Your budget – Big grocery spenders benefit more from cards like Amex Blue Cash Preferred.
- Reward preferences – Do you prefer travel points or simple cash back?
- Online vs. in-store – Some cards, like Chase Sapphire, emphasize online grocery rewards.
Final Thoughts: Start Saving More at Checkout
From store rewards cards like Mariano’s and H-E-B to high-earning credit cards like Chase Sapphire Preferred® and Kroger’s Mastercard, grocery cards are a smart way to combat rising food prices. Whether you’re looking to earn points, get cash back, or save on gas, there’s a grocery card designed to match your habits.
Tip: You can often combine a store’s rewards program with a grocery-friendly credit card for double the savings.