Best Cashback Credit Cards for Groceries in 2025 : Turn Every Grocery Trip into Cashback
Best Cashback Credit Cards for Groceries in 2025
If you’re looking to maximize your savings on grocery purchases, the right cashback credit card can make a significant difference. With rising food prices, a solid cashback card can help you cut costs on essentials while earning valuable rewards. Below, we explore the best cashback credit cards for groceries, their benefits, and tips to optimize your savings.
1. Blue Cash Preferred Card from American Express
Why It’s Great for Groceries
- 6% Cashback on U.S. supermarket purchases (up to $6,000 per year, then 1%).
- Streaming Services Perks: 6% cashback on select U.S. streaming subscriptions.
- 3% Cashback at gas stations and transit purchases.
- 1% Cashback on all other purchases.
- Annual Fee: $95 (waived in the first year).
- Intro APR Offer: 0% intro APR for 12 months on purchases and balance transfers.
Best Cashback Credit Cards for Groceries in 2025
Who Should Get It?
Ideal for families and individuals who spend a significant amount on groceries and streaming services.
2. Chase Freedom Flex
Why It’s Great for Groceries
- 5% Cashback on rotating quarterly categories (often includes grocery stores).
- 3% Cashback on dining, drugstores.
- 1% Cashback on all other purchases.
- No Annual Fee.
- Intro APR Offer: 0% for 15 months on purchases and balance transfers.
Who Should Get It?
Best for those who can maximize the rotating categories and are comfortable tracking quarterly cashback changes.
3. Citi Custom Cash Card
Why It’s Great for Groceries
- 5% Cashback on your top spending category each billing cycle (up to $500, then 1%).
- 1% Cashback on all other purchases.
- No Annual Fee.
- Intro APR Offer: 0% APR for 15 months on purchases and balance transfers.
Who Should Get It?
Great for individuals who consistently spend the most on groceries, ensuring they always earn 5% cashback.
4. Capital One SavorOne Cash Rewards Credit Card
Why It’s Great for Groceries
- 3% Cashback on groceries, dining, entertainment, and streaming services.
- 1% Cashback on all other purchases.
- No Annual Fee.
- Intro APR Offer: 0% for 15 months on purchases and balance transfers.
Who Should Get It?
Best for those looking for a well-rounded cashback card with dining and grocery rewards.
5. Wells Fargo Active Cash Card
Why It’s Great for Groceries
- 2% Unlimited Cashback on all purchases.
- $200 Sign-up Bonus after spending $500 in the first three months.
- No Annual Fee.
- Intro APR Offer: 0% APR for 15 months on purchases and balance transfers.
Who Should Get It?
Perfect for those who prefer a straightforward cashback card without rotating categories or spending limits.
Tips to Maximize Your Grocery Cashback Rewards
1. Pair Multiple Cards
Use a high-earning grocery cashback card for supermarket purchases and a different card for other spending categories.
2. Shop at Eligible Stores
Some cards only offer higher cashback at supermarkets and exclude wholesale clubs or discount stores. Check your issuer’s list of eligible merchants.
3. Pay Your Balance in Full
Avoid interest charges by paying your balance in full each month to truly benefit from cashback rewards.
4. Utilize Sign-up Bonuses
Many cashback cards offer sign-up bonuses, so consider meeting the spending requirement to maximize your rewards.
Conclusion
Finding the best cashback credit card for groceries depends on your shopping habits and spending patterns. The Blue Cash Preferred Card from American Express is the best for high grocery spenders, while the Chase Freedom Flex and Citi Custom Cash Card offer excellent rewards with flexibility. For those looking for a flat-rate cashback option, the Wells Fargo Active Cash Card is a solid choice. By strategically choosing the right card and making the most of rewards programs, you can turn everyday grocery shopping into significant savings.
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