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Best Grocery Store Credit Cards: Our Top 10 Picks for September 2020

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Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


Some new and modified credit cards shook up our list of the best grocery store credit cards.

Here’s what we think are your best bets for September.

1. American Express Blue Cash Preferred Card

Why: Amex’s Blue Cash Preferred Card earns 6% cash back on U.S. supermarket purchases, up to $6,000 in annual spending. The cashback is awarded in the form of statement credits.

Welcome Offer: Receive a $250 statement credit after you spend $1,000 in purchases within three months of being approved.

The American Express Blue Cash Preferred Card
Learn more about The American Express Blue Cash Preferred Card

Other Benefits: 6% cashback on select U.S. streaming subscriptions,

3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses, etc.), and 1% Cash Back on other purchases.

Annual Fee: $95

More Information: Learn more now about the American Express Blue Cash Preferred Card!

The meat aisle at a Ralphs grocery store supermarket in Southern California.

2. American Express Shop Small Cards

Some grocery stores and supermarkets qualify as small businesses under American Express’ Shop Small promotion. You’ll receive a $5 statement credit on eligible purchases of $10 or more. Frankly, I’d split up your transactions to max out the benefit.

Use this map to find eligible stores in your area.

Frozen products aisle at a Ralphs grocery store in Los Angeles, California.

3. NEW APPLICANTS ONLY: Chase Freedom Flex and Chase Freedom Unlimited Cards

Why: Here’s the important part: this applies only to people who haven’t received a new cardmember bonus for the applicable credit card within the last 24 months.

If you don’t qualify, skip to the next card. But if you’re eligible, congratulations!

Chase Freedom Unlimited Visa credit card

Both of these no annual fee cards offer 5% on grocery store spending (not including Target or Walmart purchases) on up to $12,000 spent in the first year you hold the card. After a new approval reaches that threshold or the 12 months expires, the benefit drops down to 1.5% on the Chase Freedom Unlimited and 1% on the Chase Freedom Flex.

Chase Freedom Flex Mastercard
Learn how to apply for the Chase Freedom Flex Mastercard now!

Chase Freedom cardholders receive 5%/5X this quarter for Amazon and Whole Foods purchases. The earnings are capped at $75 cashback per quarter.

A Whole Foods delivery -- free with Amazon Prime (conditions apply).

Welcome Offer: Both cards offer new members $200 (paid as 20,000 Ultimate Rewards points)

Other Benefits: The Chase Freedom card offers 5% bonus cash back categories that change each quarter. Activation is required each quarter. If you don’t yet hold the Chase Freedom as of this post date (9/6), wait until September 15 and apply for the Chase Freedom Flex. It packs the same 5% quarterly punch but adds more benefits.

Annual Fee: None!

More Information: Learn more now about the Chase Freedom Unlimited and Chase Freedom Flex cards.

Smiling child holding a pineapple while grocery shopping in a supermarket
(©iStock.com/LightFieldStudios)

4. American Express Gold Card

Why: You earn 4X per dollar spent at U.S. supermarkets when paying with your American Express Gold Card. (The 4X benefit is capped at $25,000 per year in spending at U.S. supermarkets).

You can transfer your points at a 1:1 ratio to many participating Membership Rewards travel partners — or use them to purchase points/miles earning travel through Amex’s travel site. This benefit gets especially lucrative if you hold the Business Platinum Card from American Express: pool your points together and enjoy a 35% rebate on select airfares when you Pay with Points!

An American Express Gold Card pays for groceries at a Ralphs supermarket in Los Angeles, California. The payment machine also advertises flu shots.
I generally use my American Express Gold Card to make purchases at my local supermarket and other grocery stores,

Welcome Offer: Receive 35,000 bonus Membership Rewards points after you spend $4,000 in purchases on the card within three months of being approved. That’s worth at least $350 in travel.

Other Benefits: 4X on dining purchases worldwide, 3X on airfare purchases made directly with airlines, $100 annual airline incidental credit, and monthly $10 food credit to use at participating vendors.

Annual Fee: $250

The produce aisle at a Ralphs grocery store supermarket in Southern California.

5. Amex EveryDay Preferred Credit Card

Why: You earn 3X per dollar spent at supermarkets when paying with your Everyday Preferred Card (The 3X, however, is capped at $6,000 in annual spending.)

Plus, you earn a 50% points bonus when you use your EveryDay Preferred Card 30 or more times in a billing period. That potentially makes each supermarket dollar worth 4.5 points.

Welcome Offer: Earn 15,000 Membership Rewards Points after spending $1,000 in purchases within three months of being approved.

Other Benefits: 2X at U.S. gas stations.

Annual Fee: $95

More Information: Learn more now about the American Express Blue Cash Preferred Card!

6. American Express Blue Cash Everyday Card

Why: The Blue Cash Everyday Card is the Blue Cash Preferred Card‘s no annual fee, lower-earning sibling. It earns 3% cashback on U.S. supermarket purchases on up to $6,000 in yearly supermarket spending. The cashback is awarded in the form of statement credits.

American Express Blue Cash Everyday Card
Learn more about the American Express Blue Cash Everyday Card

Welcome Offer: Earn a $150 statement credit after you spend $1,000 in purchases within three months of being approved.

Other Benefits: 2% cashback at U.S. gas stations and select U.S. department stores.

Annual Fee: None.

Smiling male customer paying through credit card in supermarket
(©iStock.com/Antonio_Diaz)

7. Citi Premier Card

Why: The Citi Premier Card earns an uncapped 3X at supermarkets.

Other Benefits: 3X on travel, 3X at gas stations, 3X on dining, 2X on entertainment.

Welcome Bonus: 60,000 bonus Thank You points after you spend $4,000 within three months of being approved.

Annual Fee: $95

More Information: Learn more about rewards cards!

Delivering Food To A Self-isolate People or Quarantine At Home
Earn bonus points on grocery delivery — think Instacart — with the U.S. Bank Altitude Go Visa Signature Card and Chase Sapphire Reserve! (©iStock.com/jordachelr)

8. U.S. Bank Altitude Go Visa Signature Card

Making its debut on our monthly grocery store credit card list is the new, no annual fee U.S. Bank Altitude Go Visa Signature Card!

Why: You earn 2X per dollar spent at grocery stores and grocery delivery (like Instacart) when paying with your U.S. Bank Altitude Go Visa Signature Card.

U.S. Bank Altitude Go Visa Signature Card
Learn more about the U.S. Bank Altitude Go Visa Signature Card

Welcome Offer: Earn 25,000 bonus points after spending $1,000 in purchases within 90 days of being approved. That’s worth at least $250 in travel, cash back, gift cards, merchandise, or more options.

Other Benefits: 4X dining, takeout, and food delivery. $15 credit for annual streaming service purchases such as Netflix and Spotify.

Annual Fee: None.

More Information: Learn more now about the U.S. Bank Altitude Go Visa Signature Card!

Produce section at a grocery store
(©iStock.com/OceanFishing)

9. Citi Double Cash Card (learn more about cashback cards)

Why: This no annual fee cash back card awards you 2% cashback on every purchase: 1% cashback when you buy, plus an additional 1% as you pay for those purchases. But you must pay at least the minimum due on time each month. Otherwise, you won’t receive the cashback rewards.

Welcome Bonus: None.

Annual Fee: None!

More Information: Learn more about cashback cards!

10. Chase Sapphire Reserve

Why: 5X on Instacart deliveries and pickups through September 30. (The Chase Sapphire Preferred earns 3X) Plus, if you haven’t spent all of your $300 statement credit usually reserved for travel, the Chase Sapphire Reserve could very well be worth your while.

Through the end of 2020, the Chase Sapphire Reserve ‘s $300 travel credit extends toward grocery store and gas station purchases.

Other Benefits: 10X on Lyft spending through March 2022. 3X on travel and dining purchases. Complimentary Priority Pass Select and DoorDash DashPass memberships.

Annual Fee: $550

Featured image: ©iStock.com/vadimguzhva

Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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