Best Credit Cards For Grocery & Dining Purchases

Get a list of best credit cards for dining and grocery purchases based on your monthly or yearly spend. Compare results and find the best card for you.
Last Updated: 2020-09-17

Whether you're grabbing food from your local grocery store or your local fast food joint, you'll want to make sure you're getting the most out of your money. There's not tons of cards that earn rewards across both categories, but you can still earn a solid return with a few of the top grocery cards.

American Express Gold Card

One of the best credit cards for grocery and dining purchases is the American Express Gold Card. It earns 4x across both categories which is an easy 4% return up to a 8%+ return when transferring points to AMEX's travel partners. It has a $250 price tag, but it comes with an annual $100 towards airline incidentals and $120 in dining credits split up int $10 per month.

American Express Everyday Preferred Card

While the AMEX Everyday Preferred doesn't earn a high rate on restaurant spend, it does offer the highest rate of up to 4.5x on grocery if you make 30 transactions during a statement period. You can earn up to 1.5x on non-category purchases which is not bad. The Preferred has a $6,000 spend cap on grocery, so if you spend more than $500 per month this card will not be the best of choices.

Hilton Honors Credit Cards

If you enjoy staying at Hilton Hotels, both the premium Hilton Honors Aspire Card and no-annual fee Hilton Honors Card offer a great return on your spend.

Cash Back Credit Cards

If you crave cash back, the rewards and returns will be slightly lower. The Bank of America Cash Rewards Card offers the ability to earn between 3% and 5.25% cash back on a single category of your choosing. The more money you have invest with Bank of America, the higher amount of cash back you will receive. Other great no-annual fee options consist of the Capital One Savor One Card and PNC Cash Rewards Card in which both cards earn 3% back on dining and 2% back on grocery.

Best Cards By Spend Calculator

The Best Credit Cards By Spend Calculator will find the best credit cards based on the spend and selected filter options. Results will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees. For any of the results listed, you can click on 'Rewards Calculator' to calculate more accurate results. You'll be able to enter spend for as many categories as you want, toggle annual fees, add authorized users, specific elite status and memberships, incorporate sign up and welcome bonus, view rewards as if you transferred them to partners, and much more.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year, you can leave it set to a duration of 'year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions).
When transferring to other programs, you should be able to get 1 to 2 cents in value for most of the programs listed below, so I defaulted most to a low average of 1.5 cents. You can click on the to learn more about the value of the currency (opens in a new tab/window).

Include Annual Credits/Bonuses

Several credit cards feature annual bonuses. These are usually anniversary bonuses for having the card, airline credits, hotel credits, and more. If you want these included in the calculation, you can check thy box below.


The bank that issues the card. De-select the banks that you do not want in the results.


The network that the card is tied to such as VISA, Mastercard, Discover, or AMEX.

Card Type

The type of card such as a co-branded airline card, bank rewards card, or cash back card. Do note that some store cards will appear under cash back if you're able to redeem cash back like a normal cash back credit card.

Reward Type

The type of rewards the card earns. This will either be points, miles, or cash back.


Toggle the showing of personal or business cards in the results. Card combinations are also featured on this site. The combo option is only available if it's more than one category you're enter spend for.

Annual Fee

The range of fees you're willing to pay to wield such awesome credit cards. Selecting the First Year Free (FYF) / First Year Reduced (FYR) option will calculate FYF/FYR credit cards with their free or reduced annual fee.

Income Requirements

Some credit cards require a certain amount of annual individual or household income. Enter a max income or enter 0 to show all cards.

Foreign Transaction Fees

Toggle whether to include credit cards that have a foreign transaction fee, foreign conversion fee, or any other type of charge that has to do with making purchases outside of the region.


Do note that results may take a few seconds to generate after doing a search.
You can click on the 'More Info' for any of the cards listed in the results to calculate even more accurate results. You can also click Apply to apply for the card.
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