3 Top Credit Cards for Cash Back on Groceries

Senior woman earning grocery cash back rewards at the store
Photo by gpointstudio / Shutterstock.com

In normal times, Americans spend 9.5% of their disposable personal income on eating — about half for food at home and half dining out, according to the U.S. Department of Agriculture.

Coronavirus has changed that equation. With more people eating meals at home, it’s become extra valuable to earn rewards on your grocery shopping, whether you do it online or in stores.

Those rewards can be used to reduce your expenses on groceries or whatever else you need when budgets are tighter than usual.

Here is a quick look at our favorite cards for grocery cash-back rewards right now.

Chase Freedom Unlimited

Why we like it: The Chase Freedom Unlimited card is a great option for grocery or general cash-back rewards, offering a flat 1.5% cash back on every purchase plus a $150 bonus after you spend $500 within the first three months. You always know what to expect back, regardless of what you buy or where you shop.

What to know:

Chase Freedom Unlimited credit card
Chase
  • Get 1.5% cash back on every purchase.
  • No expiration on cash-back rewards.
  • No confusing categories; everything earns cash back.
  • No annual fee.
  • 0% introductory APR on purchases for 15 months.

Note: This card has a 3% foreign transaction fee, so plan accordingly for international travel.

Citi Double Cash

Why we like it: As the name implies, the Citi Double Cash card gets you cash back coming and going. First, you earn 1% cash back on every purchase, then you earn another 1% cash back when you pay for those purchases.

What to know:

Citi Double Cash credit card
Citibank
  • Get a total of 2% cash back on every purchase.
  • No limits or caps on cash back.
  • No confusing categories; everything earns cash back.
  • No annual fee.
  • Get an introductory 18 months of 0% interest on balance transfers.

Note: Balance transfers don’t earn cash back, and this card charges a balance transfer fee of 3% or $5, whichever is greater. If you transfer a balance, you’ll need to pay your entire balance monthly to avoid interest on purchases.

Costco Anywhere Visa Card by Citi

Why we like it: If you already shop at Costco, the Costco Anywhere Visa card makes perfect sense. You’ll get 2% cash back on Costco and Costco.com purchases and 4% cash back on up to $7,000 spent on gas per year. And when you do head out to restaurants, you’ll get 3% back there, too.

What to know:

The Costco Anywhere Visa from Citi
Citibank
  • 4% cash back on eligible gas (on up to $7,000 per year, then 1% cash back)
  • 3% cash back at restaurants and on eligible travel
  • 2% cash back on Costco and Costco.com purchases
  • 1% cash back on other purchases
  • No annual fee with paid Costco membership

Note: Rewards are distributed annually as a reward certificate, which can be redeemed for cash or used in-store.

Click here for more details on these cards and to compare them with other offers.

Looking for something else in a credit card? Use our credit card search tool to find the best card for you, no matter what you need or where you’re at.

How to earn $30 in less than 30 seconds

Earn extra money by using Rakuten (formerly known as Ebates) — a site that gets you cash back at more than 2,500 stores. As a bonus for joining Rakuten between now and Aug. 6, 2020, you'll earn $30 when you spend at least $30 shopping online through Rakuten within the first 90 days. Start earning cash back and claim a free $30 bonus today.

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