The credit card that could save you hundreds on groceries in 2025
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Grocery shopping has always been a big part of the household budget, but with prices still climbing, every trip to the store can feel like a shock to the wallet.
For many Americans, groceries are now one of the largest recurring expenses, whether you’re shopping for a family or just yourself.
But what if there was a way to earn money back every time you swiped at the checkout?
That’s where the right credit card comes in.
One card in particular is standing out in 2025 as one of the best for turning everyday grocery purchases into meaningful savings.
According to recent spending data, the average family of four spends close to $1,000 per month on groceries, while individuals spend about $500.
Over the course of a year, that adds up quickly.
With food costs continuing to rise, finding ways to stretch those dollars is more important than ever.
A cash back credit card allows you to turn an unavoidable expense into steady savings.
One of the best cards for grocery shopping is the American Express Blue Cash Preferred®.
It offers an impressive 6% cash back on US supermarket purchases (up to $6,000 each year, then 1% after that).
Here’s what that looks like:
New cardholders can also earn a $250 welcome bonus after spending $3,000 in the first six months—another way to put money back in your pocket.
Like any financial product, this card comes with details to consider:
While several cards offer 3% or 4% back on groceries, very few match the 6% rate.
Some cards rely on rotating categories or require quarterly activation, which can be harder to manage.
The Blue Cash Preferred® keeps things simple: swipe your card at your favorite supermarket and earn rewards automatically.
This card isn’t just about groceries. Cardholders also get:
To maximize rewards:
If you do most of your shopping at traditional supermarkets and pay your credit card bill in full each month, the Blue Cash Preferred® can be a powerful tool for saving money.
The annual fee is easily outweighed by rewards for most households, especially those with higher grocery bills.
However, if you shop primarily at bulk retailers or tend to carry a balance, you may want to consider alternatives.
Grocery shopping is something none of us can avoid, but it doesn’t have to mean paying full price.
The right credit card can turn each trip to the supermarket into a chance to earn money back.
With food costs climbing, making smarter choices at checkout could add up to hundreds in savings every year.
Read next: Don't cancel your YouTube TV subscription just yet—here's how you can claim a $10 credit!
Have you used a credit card to earn cash back on groceries? If so, which one has worked best for you—and how do you make the most of it? Maybe you’ve tried the Blue Cash Preferred® Card yourself, or perhaps you have a favorite savings trick we haven’t covered yet.
We’d love to hear your thoughts, tips, or questions in the comments below!
For many Americans, groceries are now one of the largest recurring expenses, whether you’re shopping for a family or just yourself.
But what if there was a way to earn money back every time you swiped at the checkout?
That’s where the right credit card comes in.
One card in particular is standing out in 2025 as one of the best for turning everyday grocery purchases into meaningful savings.
The right credit card can help stretch your grocery budget by giving cash back on everyday purchases. Image Source: Pexels / Pixabay.
Why groceries are the perfect place to earn rewards
According to recent spending data, the average family of four spends close to $1,000 per month on groceries, while individuals spend about $500.
Over the course of a year, that adds up quickly.
With food costs continuing to rise, finding ways to stretch those dollars is more important than ever.
A cash back credit card allows you to turn an unavoidable expense into steady savings.
Also read: Is AI about to take control of your credit card? What this credit card company has planned next will shock you!
Meet the American Express Blue Cash Preferred® Card
One of the best cards for grocery shopping is the American Express Blue Cash Preferred®.
It offers an impressive 6% cash back on US supermarket purchases (up to $6,000 each year, then 1% after that).
Here’s what that looks like:
- Family of four: Spending about $996 per month ($11,952 annually) would earn $360 back on the first $6,000 spent at 6%, plus 1% back on the rest.
- Single shopper: Spending about $483 per month ($5,796 annually) would earn around $347 back in rewards.
New cardholders can also earn a $250 welcome bonus after spending $3,000 in the first six months—another way to put money back in your pocket.
Also read: Your credit card interest rates could change—here’s what you need to know
What you should know before applying
Like any financial product, this card comes with details to consider:
- Where you shop matters. The 6% cash back applies at US supermarkets but not at bulk retailers like Costco, Sam’s Club, or Walmart. It also excludes convenience stores and most meal-kit delivery services.
- Annual fee. The first year is free, then $95 annually. For many, the cash back more than offsets this cost.
- Interest rates. There’s a 0% introductory APR for 12 months, followed by a variable rate of 20.24% to 29.24%. Paying off your balance monthly is key to maximizing savings.
- Other fees. Balance transfers, cash advances, foreign transactions, and late payments may incur charges. Always read the fine print.
The American Express Blue Cash Preferred® Card offers some of the highest cash back rates on groceries in the US. Image Source: American Express.
Also read: Big bonus alert: Here’s how to claim up to $1,500 as credit card companies compete for your attention
How it stacks up against the competition
While several cards offer 3% or 4% back on groceries, very few match the 6% rate.
Some cards rely on rotating categories or require quarterly activation, which can be harder to manage.
The Blue Cash Preferred® keeps things simple: swipe your card at your favorite supermarket and earn rewards automatically.
Also read: $20 off your grocery bill every month? This credit card trick makes it easy
Extra perks and smart strategies
This card isn’t just about groceries. Cardholders also get:
- 6% back on select US streaming services.
- 3% back at US gas stations and on transit.
- 1% back on all other purchases.
To maximize rewards:
- Pair the card with your store’s loyalty program.
- Track spending to get the full 6% benefit up to the $6,000 cap.
- Always pay your balance in full to avoid interest charges.
Also read: Are your credit card details at risk? How this woman narrowly avoided a dangerous new Facebook scam
Is this the right card for you?
If you do most of your shopping at traditional supermarkets and pay your credit card bill in full each month, the Blue Cash Preferred® can be a powerful tool for saving money.
The annual fee is easily outweighed by rewards for most households, especially those with higher grocery bills.
However, if you shop primarily at bulk retailers or tend to carry a balance, you may want to consider alternatives.
Final thought: don’t leave savings on the table
Grocery shopping is something none of us can avoid, but it doesn’t have to mean paying full price.
The right credit card can turn each trip to the supermarket into a chance to earn money back.
With food costs climbing, making smarter choices at checkout could add up to hundreds in savings every year.
Read next: Don't cancel your YouTube TV subscription just yet—here's how you can claim a $10 credit!
Have you used a credit card to earn cash back on groceries? If so, which one has worked best for you—and how do you make the most of it? Maybe you’ve tried the Blue Cash Preferred® Card yourself, or perhaps you have a favorite savings trick we haven’t covered yet.
We’d love to hear your thoughts, tips, or questions in the comments below!
