Household spending

Best grocery and dining credit cards

Compare cards that reward supermarkets, restaurants, streaming, entertainment, gas, and transit.

Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying.

BillSaver picks

Top matches for this category

Capital One Savor Cash Rewards Credit Card card art

Dining, groceries, entertainment

Capital One Savor Cash Rewards Credit Card

Annual fee
$0
Rewards
3% cash back on dining, grocery stores, entertainment, and popular streaming services; 5% on hotels and rental cars booked through Capital One Travel; 1% on other purchases.
Intro APR
0% intro APR on purchases and balance transfers for 12 months.

A strong everyday card for households that spend heavily on meals, groceries, streaming, and entertainment.

See issuer terms
Blue Cash Preferred® Card from American Express card art

Groceries and streaming

Blue Cash Preferred® Card from American Express

Annual fee
$0 intro annual fee for the first year, then $95.
Rewards
6% cash back at U.S. supermarkets on up to $6,000 per year, then 1%; 6% on select U.S. streaming subscriptions; 3% at eligible U.S. gas stations and transit.
Intro APR
Intro APR offer on purchases and balance transfers.

The grocery and streaming rates can justify the annual fee for the right household.

See issuer terms
Blue Cash Everyday® Card from American Express card art

Online shopping and everyday categories

Blue Cash Everyday® Card from American Express

Annual fee
$0
Rewards
3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations, on up to $6,000 per year in each category, then 1%.
Intro APR
Intro APR offer on purchases and balance transfers.

Useful for readers who want grocery, gas, and online shopping rewards without an annual fee.

See issuer terms

Side-by-side table

Compare card details

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Card Best for Rewards Welcome offer Annual fee Intro APR Regular APR Watch out for Terms
Capital One Savor Cash Rewards Credit Card card art
Capital One Savor Cash Rewards Credit Card Capital One · Good to excellent
Dining, groceries, entertainmentA strong everyday card for households that spend heavily on meals, groceries, streaming, and entertainment. 3% cash back on dining, grocery stores, entertainment, and popular streaming services; 5% on hotels and rental cars booked through Capital One Travel; 1% on other purchases. $200 cash bonus after qualifying spend. $0 0% intro APR on purchases and balance transfers for 12 months. 18.49% to 28.49% variable APR. Superstores and warehouse clubs are excluded from the grocery category. Issuer terms
Blue Cash Preferred® Card from American Express card art
Blue Cash Preferred® Card from American Express American Express · Good to excellent
Groceries and streamingThe grocery and streaming rates can justify the annual fee for the right household. 6% cash back at U.S. supermarkets on up to $6,000 per year, then 1%; 6% on select U.S. streaming subscriptions; 3% at eligible U.S. gas stations and transit. Offer varies by applicant. $0 intro annual fee for the first year, then $95. Intro APR offer on purchases and balance transfers. 19.49% to 28.49% variable APR. The supermarket cap and annual fee make this a math card, not an automatic pick. Issuer terms
Blue Cash Everyday® Card from American Express card art
Blue Cash Everyday® Card from American Express American Express · Good to excellent
Online shopping and everyday categoriesUseful for readers who want grocery, gas, and online shopping rewards without an annual fee. 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations, on up to $6,000 per year in each category, then 1%. Offer varies by applicant. $0 Intro APR offer on purchases and balance transfers. 19.49% to 28.49% variable APR. Category caps matter, and American Express acceptance can be thinner than Visa or Mastercard in some places. Issuer terms
American Express® Gold Card card art
American Express® Gold Card American Express · Good to excellent
Food-focused pointsA useful points card for households whose biggest flexible spending is food. 4X Membership Rewards points at restaurants worldwide and U.S. supermarkets up to annual caps, plus travel-booking rewards and dining credits. Offer varies by applicant. $325 Pay Over Time APR may apply. See Pay Over Time APR. Annual credits have rules, and casual users may prefer no-fee cash back. Issuer terms
Bank of America® Customized Cash Rewards credit card card art
Bank of America® Customized Cash Rewards credit card Bank of America · Good to excellent
Flexible 3% choice categoryA flexible card for readers who can point 3% toward gas, online shopping, dining, travel, drugstores, or home improvement. 3% cash back in one choice category, 2% at grocery stores and wholesale clubs, and 1% on other purchases, with quarterly caps. $200 online cash rewards bonus after qualifying spend. $0 Intro APR offer on purchases and balance transfers. Variable APR; see issuer terms. It needs category management and spending caps can limit upside. Issuer terms

How to use the table

Start with the reason you want the card. Rewards cards make sense when you pay in full. Balance transfer and 0% APR cards should be judged by the transfer fee, length of the promotional window, and your payoff plan. Credit-building cards should be judged by cost, reporting, deposit rules, and the habit of on-time payments.

Do not treat the richest welcome offer as the whole decision. A card with a lower annual fee, simpler rewards, or a shorter but cheaper balance-transfer period can be the better fit for a household budget.