Best Credit Cards for Dining and Groceries

In today’s fast-paced world, where inflation and rising food costs dominate headlines, maximizing every dollar spent on dining and groceries has never been more critical. Whether you're a foodie who loves trying new restaurants or a budget-conscious shopper stocking up on essentials, the right credit card can turn everyday purchases into valuable rewards.

Why Dining and Groceries Matter Now More Than Ever

The Impact of Inflation on Food Prices

Global supply chain disruptions, climate change, and geopolitical tensions have driven up food prices significantly. According to recent data, grocery bills have surged by over 20% in some regions compared to pre-pandemic levels. Dining out isn’t any cheaper—restaurants are passing on higher ingredient and labor costs to customers.

The Rise of Rewards Credit Cards

Credit card issuers are stepping up their game, offering lucrative cashback, points, and travel rewards for dining and grocery purchases. With the right card, you can offset some of these rising costs while enjoying perks like statement credits, exclusive dining experiences, and even complimentary subscriptions to food delivery services.

Top Credit Cards for Dining Rewards

1. American Express® Gold Card

• Rewards Rate: 4X Membership Rewards® points at restaurants worldwide, including takeout and delivery.
• Bonus: Earn 60,000 points after spending $6,000 in the first 6 months.
• Perks: $120 annual dining credit (for select partners like Grubhub) and $120 Uber Cash.

• Annual Fee: $250 (but easily offset by credits).

  Why It’s Great: Ideal for food lovers who dine out frequently or order in. The Uber Cash and dining credits alone can cover the annual fee.

2. Chase Sapphire Preferred® Card

• Rewards Rate: 3X points on dining (including delivery services).
• Bonus: 60,000 points after spending $4,000 in the first 3 months.
• Perks: Points transfer to airline and hotel partners, 25% more value when redeemed for travel via Chase Ultimate Rewards®.

• Annual Fee: $95.

  Why It’s Great: A versatile card with strong dining rewards and flexible redemption options.

3. Capital One SavorOne Cash Rewards Credit Card

• Rewards Rate: 3% cash back on dining and groceries.
• Bonus: $200 after spending $500 in the first 3 months.
• Perks: No annual fee and unlimited cash back.

• Annual Fee: $0.

  Why It’s Great: Perfect for those who want straightforward cashback without worrying about annual fees.

Best Credit Cards for Grocery Shopping

1. Blue Cash Preferred® Card from American Express

• Rewards Rate: 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%).
• Bonus: $250 statement credit after spending $3,000 in the first 6 months.
• Perks: 6% back on select streaming services and 3% on transit.

• Annual Fee: $95.

  Why It’s Great: The highest cashback rate for groceries, making it a no-brainer for families.

2. Citi Premier® Card

• Rewards Rate: 3X ThankYou® Points at supermarkets.
• Bonus: 60,000 points after spending $4,000 in the first 3 months.
• Perks: Points transfer to airline partners like JetBlue and Virgin Atlantic.

• Annual Fee: $95.

  Why It’s Great: A solid choice if you want travel rewards alongside grocery benefits.

3. Bank of America® Customized Cash Rewards Credit Card

• Rewards Rate: 2% cash back at grocery stores (3% if you’re a Preferred Rewards member).
• Bonus: $200 after spending $1,000 in the first 90 days.
• Perks: No annual fee and flexible category choices.

• Annual Fee: $0.

  Why It’s Great: Flexibility to switch reward categories quarterly, ideal for changing spending habits.

How to Choose the Right Card for You

Consider Your Spending Habits

• Frequent diners: Prioritize cards with high restaurant rewards (e.g., Amex Gold).
• Grocery shoppers: Focus on cards with supermarket bonuses (e.g., Blue Cash Preferred).

Evaluate Annual Fees vs. Benefits

• A higher annual fee may be worth it if the card’s credits and rewards offset the cost.

Look Beyond Rewards

• Some cards offer additional perks like travel insurance, purchase protection, or complimentary subscriptions (e.g., DoorDash or Uber Eats credits).

The Future of Dining and Grocery Rewards

As food costs continue to rise, credit card companies are likely to introduce even more competitive rewards programs. Keep an eye out for limited-time offers, especially during holiday seasons or economic shifts.

In the meantime, pairing the right card with smart spending habits can help you save significantly—whether you’re grabbing a quick bite or stocking up for the week.