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Guide

Best credit cards for groceries

Grocery spend is the most reliable line in most household budgets, which makes it the easiest place to earn a predictable return. These picks pair high supermarket earn rates with fees you can actually justify.

Illustrative comparison guide from LendingHookup. Card details are examples, not live issuer offers.

Our picks at a glance

CardRewardsIntro value / required spendAPR rangeAnnual fee
Northline Market 5%5% at grocery stores (on up to $6,000/yr), 3% online, 1% everywhere else$250 est. / $1,500 in 3 mo19.99%–29.99% variable$0
Atlas Everyday Cash2% cash back on every purchase, no categories, no caps$200 est. / $500 in 3 mo19.24%–29.24% variable$0
Meridian Horizon Elite4x travel and dining, 2x everything else, plus a $300 annual travel credit$1,100 est. / $6,000 in 6 mo21.99%–30.49% variable$395

Illustrative cards & advertiser disclosure. LendingHookup is a comparison experience. The cards, issuers, rates and offers currently shown are illustrative examples, not live offers. We may receive compensation if affiliate offers are added. Rewards and intro values are estimates; required spend, annual fees, transfer fees and variable APRs apply. Approval is not guaranteed. Review the issuer’s current terms before applying.

The cards in detail

Northline Financial
Northline Market 5%
•••• •••• •••• 0000
Cash backRewards

Northline Market 5%

Grocery-forward cash back for households that cook.

Purchase APR
19.99%–29.99% variable
Annual fee
$0
Balance transfer fee
5% (min $5)
Foreign transaction fee
3%
Rewards
5% at grocery stores (on up to $6,000/yr), 3% online, 1% everywhere else

Intro offer: $250 statement credit after qualifying spend — estimated value $250, requires $1,500 in spend within 3 months.

Intro APR: 0% for 12 months on purchases, then 19.99%–29.99% variable.

  • Strong 5% grocery rate
  • No annual fee
  • 3% online shopping rate
  • $6,000 annual grocery cap
  • No travel protections
  • Foreign transaction fee
Compare this cardAbout Northline Financial

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Atlas Bank
Atlas Everyday Cash
•••• •••• •••• 0000
Cash back

Atlas Everyday Cash

Flat-rate cash back with nothing to activate or track.

Purchase APR
19.24%–29.24% variable
Annual fee
$0
Balance transfer fee
3% intro, then 5%
Foreign transaction fee
3%
Rewards
2% cash back on every purchase, no categories, no caps

Intro offer: $200 cash bonus after qualifying spend — estimated value $200, requires $500 in spend within 3 months.

Intro APR: 0% for 15 months on purchases and balance transfers, then 19.24%–29.24% variable.

  • No annual fee
  • Simple flat 2% on everything
  • 15-month 0% intro APR
  • 3% foreign transaction fee
  • No bonus categories to accelerate earning
Compare this cardAbout Atlas Bank

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Meridian Card Co.
Meridian Horizon Elite
•••• •••• •••• 0000
TravelRewards

Meridian Horizon Elite

Premium travel credits for frequent flyers who use every perk.

Purchase APR
21.99%–30.49% variable
Annual fee
$395
Balance transfer fee
5% (min $10)
Foreign transaction fee
None
Rewards
4x travel and dining, 2x everything else, plus a $300 annual travel credit

Intro offer: 80,000 miles, valued at about $1,100 toward travel — estimated value $1,100, requires $6,000 in spend within 6 months.

  • $300 annual travel credit
  • Airport lounge access
  • No foreign transaction fees
  • $395 annual fee
  • Requires excellent credit
  • Perks only pay off with regular travel
Compare this cardAbout Meridian Card Co.

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

What to look for

  • Check whether the bonus rate is capped annually — most 5% grocery rates are.
  • Warehouse clubs and superstores often do not code as grocery stores.
  • A flat-rate card can beat a capped 5% card once you pass the cap.

More guides

Best credit cards for travelBest credit cards for balance transfersBest credit cards for building credit