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Best Credit Cards for Foodies 2024: Go Big on Dining & Groceries

Dayana Yochim

Written by Dayana Yochim
Edited by Carolyn Kimball
Fact-checked by Andrea Coombes

April 05, 2024

Grocery stores, restaurants, food trucks, fast-casual takeout — the average American consumer spends more than $4,000 on food each year, with larger households shelling out double that amount.

With one of the top dining and grocery rewards credit cards, home chefs and restaurantgoers can easily pocket 2% to 6% cash back on every dollar spent on grub. For the average household, that translates to $80 to $300 or more cash back per year on food-related spending alone.

The 5 best credit cards for dining and grocery rewards

Earning a spot on our list of the best credit cards for foodies is both a matter of taste as well as rewards math. The dining/grocery rewards cards we recommend are:

  • Capital One SavorOne Rewards: Best overall — This food-focused cash back card pays an unlimited 3% on restaurant and grocery store spending, as well as entertainment-related purchases (e.g., streaming services, event tickets, movies), and comes with access to Capital One Dining perks and a welcome bonus — all for no annual fee. Upgrade pick: Its sibling, the Capital One Savor Rewards card, features the same perks, but ups the unlimited cash back rate to 4% on the same spending categories and offers a larger sign-up bonus in exchange for a $95 annual fee.
  • Citi Custom Cash Card: Best 5% cash back card for dining or groceries — Citi pays 5% back on up to $500 in purchases within your single highest single eligible spending category each month (like restaurants or supermarkets). Reserve this card for whichever category you spend the most on, since all other purchases earn just 1% back.
  • Blue Cash Preferred Card from American Express: Best cash back card for groceries — Home chefs can rake in 6% cash back on up to $6,000 in annual supermarket spending using the Blue Cash Preferred Card from American Express, plus Amex waives the $95 annual fee for the first 12 months.
  • Bank of America Customized Cash Rewards: Most flexible dining/grocery card — The 2% grocery rewards rate applies to purchases at supermarkets and wholesale clubs, the latter of which most bonus-category cards disqualify. Dining is one of eight options cardholders can choose as a monthly 3% spending category.
  • Costco Anywhere Visa by Citi: Best for warehouse club card — This versatile rewards card pays a competitive 4% back on gas/EV charging, 3% back on dining, and 2%-4% on Costco purchases (depending on membership level) versus the 1%-3% the Sam’s Club Mastercard pays its members on warehouse club spending.

How we chose these credit cards: We used the credit card rewards calculator to identify the cards with the most generous rewards terms on food-related purchases — specifically, the cashback rates paid on groceries, dining out, purchases from wholesale clubs and even specific stores, like Whole Foods and Costco. The calculator automatically factors in bonus rates, rewards spending caps and annual fees.

Rewards earnings estimates: The annual cash back earnings range is what an average consumer would earn on food-related spending based on consumer expenditure data from the Bureau of Labor Statistics (BLS). The inputs we used to calculate how much cash back a cardholder could earn were $350 per month for individuals and $700 per month for larger households.

Other considerations: Cash back calculations bubbled up the most financially rewarding cards for the average foodie. But we also took into account other card features and limitations. For example, some rewards cards offer access to exclusive gastronomical experiences for gourmand cardholders. Some less-appealing card rules, like rewards spending caps and bonus rates that don’t apply to certain types retailers (Target, Walmart, warehouse clubs), also influenced our picks.

After you check out the list of best credit cards for dining and groceries below, we encourage you to customize the inputs in the credit card rewards calculator to see which cards offer the tastiest rewards based on your own spending habits.

See a credit card that’s worthy of a slot in your wallet? Take a moment to confirm card details on the issuer’s site before you apply.

1. Capital One SavorOne Rewards

Best for Foodies

Capital One SavorOne Rewards

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Capital One SavorOne Rewards Logo
Welcome Bonus
Annual Fee
Base Cashback %

sentiment_very_satisfied Savory: Unlimited (no earnings cap!) 3% cash back on restaurant, grocery store and entertainment spending; access to cardmember-only dining perks; charges no foreign transaction fees.

sentiment_very_dissatisfied Sour: Unsatisfying 1% cashback rate on most other spending categories; groceries from warehouse clubs and superstores, like Walmart and Target, earn just 1%. Higher 4% cash back rate available from Capital One’s other Savor card.

How much can I earn using the Capital One SavorOne Rewards card?: The average American who spends a total of $350 each month on groceries and restaurant meals will earn $126 cash back per year using the SavorOne card. Larger households that spend $700 a month on food would earn an estimated $252 cash back per year.

It makes sense that a card with “savor” in the name offers rewards tailored to foodies. But that’s not the only reason the Capital One SavorOne Rewards card was the 2024 Annual Awards pick for #1 Cashback Card for Foodies. While a lot of other dining cards shortchange the “grocery” category rewards rate, SavorOne pays an unlimited 3% cash back on both restaurant and supermarket purchases, as well as a long list of activities that qualify under the “entertainment” and “streaming services” spending categories.

Our upgrade pick: Cardholders who crave an even higher cash back rate should consider the SavorOne’s sibling card, the Capital One Savor Rewards ReviewCapital One Savor Rewards. It pays an unlimited 4% cash back (versus SavorOne’s 3%) on the same bonus categories, and offers a larger welcome bonus in exchange for a $95 annual fee. (See Capital One Savor Rewards vs Capital One SavorOne Rewards for more.) Note: The credit card rewards calculator factors in the annual fee to help you see the annual spending break-even point.

Because Capital One cards charge no foreign transaction fees, the SavorOne and Savor Rewards cards make good travel mates if you plan to eat your way across Italy (or anywhere overseas). Another notable feature is Capital One Dining perks, a program offering cardholders help with hard-to-book restaurant reservations and access to “culinary experiences” curated by world-renowned chefs. Couch potatoes will appreciate a current SavorOne offer: 10% cash back on Uber Eats orders plus a complimentary Uber One membership through Nov. 14, 2024.

The Capital One SavorOne Rewards Card is best for foodies who want a no-annual-fee credit card that pays a competitive and unlimited 3% cash back rate on both dining and groceries. An even better unlimited 4% cash back is available for a $95 annual fee with the SavorOne’s sibling card, the Capital One Savor Rewards card.

tips_and_updates quick tip

Beware of the wimpy 1% cash back you’ll earn on all non-bonus category purchases when using the Capital One Savor and SavorOne cards, as well as other dining/grocery-focused rewards cards. They are best reserved solely to snag the bonus rate on restaurant and supermarket shopping trips, and paired in your wallet with a flat-rate 2% cash back credit card for all other purchases..

Read our full Capital One SavorOne Rewards card review.

2. Citi Custom Cash Card

Best for Rewards Rotators

Citi Custom Cash Card

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Citi Custom Cash Card Logo
Welcome Bonus
Annual Fee
Base Cashback %

sentiment_very_satisfied Tasty: 5% cash back on up to $500 in purchases in your biggest eligible spending category each billing cycle. (Groceries and dining are among the Citi’s eligible categories.)

sentiment_very_dissatisfied Tart: 5% applies to just one spend category each month (restaurants or grocery stores); 1% cash back applies to all other purchases.

How much can I earn using the Citi Custom Cash Card?: A small household spending $350 per month on groceries using the Citi Custom Cash Card would earn $210 cash back per year. Larger households putting $700 in supermarket spending on the card would earn $324 back annually.

If you have room in your wallet for a rewards card devoted solely to dining out or buying groceries, check out the Citi Custom Cash Card. It pays a generous 5% cash back on up to $500 in purchases within your single biggest eligible spend category each billing cycle.

The Citi Custom Cash Card comes with some important rewards program rules that may be too limiting for some cardholders:

  1. 15% applies to just one eligible spending category per month. Groceries and dining are two distinct rewards categories in Citi’s world, which means you’ll earn 5% cash back on restaurant purchases, or 5% cash back on supermarket spending, not both combined.
  2. There’s a $500 monthly rewards spending cap, which will limit the amount cardholders earn if they typically spend more than that each month on groceries or dining out. That’s because…
  3. Cardholders earn just 1% on purchases that exceed the $500 monthly cap, as well as all purchases outside of the sole monthly bonus spending categories, which is why I don’t recommend the Citi Custom Cash Card as a stand-alone general-purpose rewards card.

The Venmo Credit Card offers a similar rewards setup with a few improvements: It pays bonus cash back rates on your top largest eligible monthly spending categories, and it has no rewards spending caps (a plus for big spenders). Although Venmo’s top cash back rate is just 3% vs. Citi’s 5% on up to $500 per month, you’ll earn 2% unlimited cash back on your second largest eligible spending category compared to just 1% with the Citi Custom Cash. See more: Citi Custom Cash vs. Venmo Credit Card.

The Citi Custom Cash Card is best for earning one of the highest cash-back rates on your groceries or dining out. To repeat, cardholders earn a heady 5% back on up to $500 of purchases in one single eligible bonus spend category per billing cycle and just 1% back on all other purchases.

Read our full Citi Custom Cash review.

3. Blue Cash Preferred Card from American Express

Best for Foodies

Blue Cash Preferred Card from American Express

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Blue Cash Preferred Card from American Express Logo
Welcome Bonus
Annual Fee
Base Cashback %

sentiment_very_satisfied Load up the cart!: Pays an industry-leading 6% cash back on up to $6,000 in grocery store purchases per year; includes welcome bonus and 0% intro APR on purchases and balance transfers.

sentiment_very_dissatisfied Diners beware: Restaurant spending earns just 1% cash back. The 6% rewards rate does not apply to food purchased at superstores and warehouse clubs; $95 annual fee applies after the first year of card membership.

How much can I earn using the Blue Cash Preferred Card from American Express?: On groceries alone, a household that spends $350-$700 a month at the supermarket will earn $252 to $384 cash back per year with Amex Blue Cash Preferred card. When the $95 annual fee kicks in during year two, the cashback rate will drop to $157-$289 per year.

The Blue Cash Preferred Card‘s 6% cash back rate on the first $6,000 cardholders spend at the supermarket per year is hard to beat, especially during the first year of membership when Amex waives the card’s annual fee. Starting in year two, the $95 annual fee effectively lowers the grocery rewards rate for someone who spends $500 per month to 4.4%. That still beats the 2% to 3% most bonus-category cards pay out, and even the 3% grocery rate offered by Amex’s no-annual-fee Blue Cash Everyday card.

» FYI: The credit card calculator deducts the $95 annual fee from the cashback-per-year total to more accurately reflect how much a long-term cardholder can expect to earn with the Blue Cash Preferred Card.

Not to be a total killjoy, but since this is a guide to the best grocery and dining cards, I’ll point out that the unpalatable 1% restaurant rewards rate means the Blue Cash Preferred Card is not a good choice if you’re looking for a dining card. (Allow me to steer frequent restaurantgoers back to either of Capital One’s Savor rewards cards.)

Despite harping on the Amex Blue Cash Preferred Card’s shortcomings (annual fee, bonus spending cap, lowly dining cashback rate), there are other things I like in addition to the tasty 6% cashback it pays on groceries. That same stellar rewards rate applies to streaming subscriptions, as well. And cardholders earn an unlimited 3% back on gas and transit purchases (including taxis, rideshares, parking, tolls, trains, buses, and more), which is far better than the 1% you’ll earn with Amex’s closest competition, the Citi Custom Cash Card.

The Blue Cash Preferred Card from American Express card is best for home chefs (but not restaurantgoers!) who want a taste of the good life — the premium 6% back on groceries you get from a premium membership card without having to pay the $95 annual fee until year two.

Read our full Blue Cash Preferred Card from American Express review.

4. Bank of America Customized Cash Rewards

Best for Rewards Rotators

Bank of America Customized Cash Rewards

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Bank of America Customized Cash Rewards Logo
Welcome Bonus
Annual Fee
Base Cashback %

sentiment_very_satisfied Delish: 3% cash back on dining (if you choose), and an automatic 2% cash back on grocery stores, including — wait for it — wholesale clubs. Offers a welcome bonus and 0% intro APR ; 25%-75% rewards rate booster available for eligible B of A/Merrill Edge customers.

sentiment_very_dissatisfied Dullish: The quarterly $2,500 cap on purchases eligible for the 3% and 2% rates combined.

How much can I earn using the Bank of America Customized Cash Rewards card?: The average “consumer unit” (as the BLS calls individuals) would earn a cool $105 back a year on $350 spent monthly split evenly between dining and groceries using the the B of A Customized Cash Rewards card. Households with more mouths to feed would rake in $210 cash back annually, just for food spending.

The Bank of America Customized Cash Rewards card’s 2% rewards rate on groceries is nothing special at first glance. But one key difference sets it apart from the competition: Purchases from warehouse clubs are eligible for the 2% cashback rate — a rarity among bonus category credit cards which typically pay just 1% to 1.5% back when used at places like Costco and Sam’s Club.

warehouse Attention warehouse club shoppers!

The no-annual-fee Bank of America Customized Cash Rewards Card and Costco’s own credit card — the Costco Anywhere Visa Card by Citi, which requires an annual membership fee — pay the same 2% rewards rate on purchases from the warehouser. Sam’s Club “Club” members earn just 1% back with the Sam’s Club Mastercard. Earning a higher 3% back on Sam’s Club requires a higher-priced “Plus” annual membership.

In addition to 2% cash back on buckets of salsa and cases of Cheerios, the Customized Cash Rewards card lets cardholders choose a 3% bonus rewards category. The choices are dining (ding, ding, ding!), gas, online shopping, travel, drug stores or home improvement/furnishings. And you can swap out the 3% cashback category once a month. (Note: The credit card rewards calculator applies the 3% cashback rate to “gas,” which is the card’s default setting until you choose another category.)

Big spenders beware: There is a quarterly rewards spending cap. The 2% and 3% cashback rewards rates apply only to the first $2,500 you spend each quarter in those bonus categories combined. Once you hit the bonus rewards spending ceiling, you’ll earn just 1% until the quarterly clock resets.

The Bank of America Customized Cash Rewards card is best for consumers who want a versatile rewards card that pays a predictable 2% back on groceries — at supermarkets and wholesale clubs — and the flexibility to choose a different 3% bonus category every month.

Read our full Bank of America Customized Cash Rewards card review.

5. Costco Anywhere Visa by Citi

Costco Anywhere Visa Card by Citi

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Costco Anywhere Visa Card by Citi Logo
Welcome Bonus
Annual Fee
Base Cashback %

sentiment_very_satisfied Yummy: Unlimited 3% cash back at restaurants and 2% cash back on Costco and purchases and competitive rates in other spending categories. Executive Members earn 4% back on eligible Costco purchases.

sentiment_very_dissatisfied Yuck: Requires a Costco membership (starting at $60 a year); groceries purchased at a regular supermarket earn just 1% cash back.

How much can I earn using the Costco Anywhere Visa by Citi card?: A cardholder with a standard club membership who spends $350 to $700 split evenly between restaurants and groceries purchased at Costco each month will earn $105 - $210 cash back per year.


A sign of a good warehouse club credit card is that it pays a competitive rewards rate on non-club purchases, too. Both Costco and Sam’s Club offer general-use cash back cards to members. Based on overall cardholder value, I recommend the Costco Anywhere Visa over the Sam’s Club Mastercard. Here’s why, starting with a comparison of their grocery and dining rewards programs:

  • Warehouse club purchases: Customers who use the Costco Visa for purchases in the store or online earn 2% cash back compared to just 1% the Sam’s Club Mastercard pays out to basic-level “Club” members.
  • Premium membership rewards rates: Sam’s Club “Plus” patrons ($110/year) earn an elevated 3% back on warehouse club purchases when using the Sam’s Club Mastercard. Costco Executive Members ($120/year fee) earn the same 2% back as regular members when using the card in-store/online. But the Executive Membership comes with an annual 2% back (up to $1,000 in rewards) on eligible Costco and Costco Travel purchases.
  • Regular supermarket purchases: Hard pass on both the Costco and Sam’s Club credit cards — both pay just 1% back when used at traditional grocery stores.
  • Dining: It’s a tie: Both the Costco and Sam’s Club cards pay an unlimited 3% back on restaurant spending.

Even without the store-specific rewards rates, our Costco Anywhere Card vs. Sam’s Club Mastercard comparison illustrates that an average consumer would earn $236 cash back per year using the Costco card compared to $222 from the Sam’s Club card.

  • Travel: Here’s where the Costco card really shines. Cardmembers earn an unlimited 3% back on eligible travel, including airfare, hotels, car rentals, travel agencies, cruise lines, as well as purchases from Costco Travel. The Sam’s Club Mastercard does not pay a bonus rate on travel purchases.
  • Gas and EV charging: Sam’s Club 5% cashback rate on up to $6,000 in spending per year at gas and EV charging stations is hard to beat, which is why we named it one of the best gas rewards cards. However, the Costco Anywhere Visa is no slacker in this category, paying 4% back on up to $7,000 in annual gas/EV charging purchases. By the way, both cards pay the bonus rate at regular filling/charging stations as well as the ones they run.

Keep in mind that although the Costco Anywhere VIsa charges no annual fee, a Costco membership is required to apply and to redeem your earned rewards. tip: Is the Costco card worth it?

Not a Costco-monogomist grocery shopper? If the warehouse is just one of your go-to stores, keep in mind that the card is less rewarding for trips to a traditional supermarket (1% cashback rate) than it is for Costco runs (2%-4%).

Use the credit card rewards calculator to calculate the potential payoff: Expand the “Spend Categories” menu to enter how much you spend at “Costco” and type in the amount you drop elsewhere under “Groceries.” We’ll do the the rest!* (*the math, not the dishes.)

The Costco Anywhere Visa by Citi card is best for consumers looking for a triple-duty rewards card for warehouse club, dining and gas/EV charging purchases.

Read our full Costco Anywhere Visa Card by Citi review.

restaurant_menuCook up a custom list of best cashback cards

You don’t have to stick to our menu of best rewards cards for foodies: For a customized list of the best credit cards to use at restaurants and supermarkets, type how much you spend each month on dining, groceries (and 14 other spend categories each month) into the credit card calculator and see which rewards card offers the tastiest terms.

Which credit card is best for food delivery?

If the living room couch is your idea of “destination dining,” consider the Capital One SavorOne Rewards. This no-annual-fee rewards card offers a mouthwatering 10% cash back on Uber and Uber Eats orders, plus a complimentary Uber One membership through Nov. 14, 2024. The latter saves you the $9.99 monthly (or $99.99 annual) membership fee.

If you decide to dine out or buy fixin’s for a home-cooked meal, you’ll earn an unlimited 3% cash back on restaurant and grocery store purchases (in addition to restaurant and entertainment spending) using the SavorOne card. For comparison, Cap One’s other Savor card, the Savor Rewards card, pays 4% cash back on dining and entertainment and the same 3% cash back on groceries, but it comes with a $95 annual fee.

See how the the Capital One SavorOne rewards card compares to Savor Rewards card.

Which Amex card is best for food?

The Blue Cash Preferred Card from American Express pays a tasty 6% cash back on groceries (and streaming services) on the first $6,000 you spend on the card each year, which is why it is our 2024 Annual Awards winner for Best Cashback Card for Home Chefs. You’ll also earn an unlimited 3% cash back on “transit,” which includes taxis, rideshares, train and bus tickets. The card carries a $95 annual fee, but it’s waived for the first year.

Amex also offers a no-annual-fee card that’s in the running for the best credit card for gas and groceries category. The Blue Cash Everyday from American Express pays 3% cash back on groceries, gas and U.S. online retail purchases. The rewards rate for dining out, alas, is just 1%. And although there’s an annual rewards cap, the $6,000 spending cap applies to each separate bonus category, which makes it a better choice than similar cards — like the BMO Harris Bank Cash Back Mastercard — that also pay 3% back on groceries but have lower or combined-category bonus spending caps.

For a head-to-head comparison, see Blue Cash Everyday from American Express vs Blue Cash Preferred Card from American Express.

Does buying groceries with a credit card build credit?

Sure does! Using your card regularly — and paying your bill on time — gives your lender good news to report to the credit bureaus. A strong track record of responsible credit use is one of the main determinants of your credit score. Your payment history alone counts for 35% of your overall score.

You do not, however, need to carry a balance on your credit card to build your credit. Although making monthly minimum payments on time is key, even better for your bottom line is to pay off the balance in full each month so you don’t pay interest on the amount you charge.

We have an entire area devoted to building and maintaining your credit, including tips on how to get out of debt.

Is it better to pay for groceries with a credit card or a debit card?

Short answer: Pay for groceries with a credit card if you pay off your balance in full each month. Otherwise, it’s better to use a debit card.

If you have no credit card debt: Besides being a good way to build and maintain your credit, paying for groceries with a rewards credit card can put some money back into your pocket. “Groceries” is a common cashback category with most rewards cards. You don’t even have to pay an annual fee for a card that pays you 2% to 3% cash back on supermarket spending. Some pay even more.

If you carry a balance on your credit card: Until you pay off what you owe, try to avoid putting additional charges on the card. Otherwise you’re paying a premium for the food in your cart — the cost of each item, plus whatever interest your lender charges. (See these tips on how to tackle debt to get those balances back to $0 in no time.)

Until you’ve paid off your credit card, using a debit card for groceries is a wallet-friendlier way to go. Although you’re still paying with plastic, the debit card is the equivalent of paying cash since the money is immediately deducted from the available balance in your bank account. And while you forgo any cashback rewards you might earn on your purchases, you also avoid paying a high interest rate on the money you spend.

compare_arrows Compare cash back credit cards

Select and compare two credit cards head to head to see which offers the most bang for your buck.

Select Credit Cards

  • check_box_outline_blankcheck_boxAlliant Cashback Visa Signature Credit Card
  • check_box_outline_blankcheck_boxAlly Everyday Cash Back Mastercard
  • check_box_outline_blankcheck_boxAlly Unlimited Cash Back Mastercard
  • check_box_outline_blankcheck_boxAmazon Prime Visa
  • check_box_outline_blankcheck_boxAmazon Visa
  • check_box_outline_blankcheck_boxAmerican Express Cash Magnet
  • check_box_outline_blankcheck_boxApple Card
  • check_box_outline_blankcheck_boxBank of America Customized Cash Rewards
  • check_box_outline_blankcheck_boxBank of America Unlimited Cash Rewards
  • check_box_outline_blankcheck_boxBlue Cash Everyday from American Express
  • check_box_outline_blankcheck_boxBlue Cash Preferred Card from American Express
  • check_box_outline_blankcheck_boxBMO Harris Bank Cash Back Mastercard
  • check_box_outline_blankcheck_boxBread Cashback American Express Card
  • check_box_outline_blankcheck_boxCapital One Quicksilver Rewards
  • check_box_outline_blankcheck_boxCapital One Quicksilver Rewards for Good Credit
  • check_box_outline_blankcheck_boxCapital One QuicksilverOne
  • check_box_outline_blankcheck_boxCapital One Savor Rewards
  • check_box_outline_blankcheck_boxCapital One SavorOne Rewards
  • check_box_outline_blankcheck_boxChase Freedom Flex
  • check_box_outline_blankcheck_boxChase Freedom Unlimited
  • check_box_outline_blankcheck_boxCiti Custom Cash Card
  • check_box_outline_blankcheck_boxCiti Double Cash Card
  • check_box_outline_blankcheck_boxCostco Anywhere Visa Card by Citi
  • check_box_outline_blankcheck_boxCredit One Bank American Express Card
  • check_box_outline_blankcheck_boxCredit One Platinum Rewards Visa (No Annual Fee)
  • check_box_outline_blankcheck_boxCredit One Platinum Visa
  • check_box_outline_blankcheck_boxCredit One Platinum X5 Visa
  • check_box_outline_blankcheck_boxDiscover it Cash Back
  • check_box_outline_blankcheck_boxDiscover it Chrome Gas & Restaurant
  • check_box_outline_blankcheck_boxFidelity Rewards Visa Signature Card
  • check_box_outline_blankcheck_boxNavy Federal cashRewards Credit Card
  • check_box_outline_blankcheck_boxPayPal Cashback Mastercard
  • check_box_outline_blankcheck_boxPenFed Power Cash Rewards
  • check_box_outline_blankcheck_boxPetal 2 Visa Card
  • check_box_outline_blankcheck_boxPNC Cash Rewards Visa Credit Card
  • check_box_outline_blankcheck_boxSam's Club Mastercard
  • check_box_outline_blankcheck_boxSoFi Unlimited 2% Credit Card
  • check_box_outline_blankcheck_boxTD Cash Credit Card
  • check_box_outline_blankcheck_boxTruist Enjoy Cash Credit Card
  • check_box_outline_blankcheck_boxU.S. Bank Cash+ Visa Signature Card
  • check_box_outline_blankcheck_boxU.S. Bank Shopper Cash Rewards Visa Signature Card
  • check_box_outline_blankcheck_boxUpgrade Cash Rewards
  • check_box_outline_blankcheck_boxUpgrade Triple Cash Rewards
  • check_box_outline_blankcheck_boxUSAA Cashback Rewards Plus American Express Card
  • check_box_outline_blankcheck_boxUSAA Preferred Cash Rewards Visa Signature Card
  • check_box_outline_blankcheck_boxVenmo Credit Card
  • check_box_outline_blankcheck_boxWells Fargo Active Cash Card


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The results of the Best Credit Cards for Foodies list is based on data from the credit card rewards calculator and our own research into each credit card’s terms and conditions.

The credit card comparison tool calculates the annual dollar value of the rewards each credit card program pays per $1 spent in each “spend category.” It takes into account tiered reward rates, reward spending caps, default reward rates and annual fees to provide the most accurate results.

For this guide we used average household food expenditure data from the U.S. Bureau of Labor Statistics to estimate how much cash back per year the average consumer would earn using each rewards credit card for food (“groceries”) and food away from home (“dining”). We also accounted for different cashback rates for those shopping at wholesale clubs and specific grocery stores (such asWhole Foods). We zeroed out all other spend categories to generate food-focused cashback rewards results.

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About the Editorial Team

Dayana Yochim
Dayana Yochim

Dayana Yochim has been writing (articles, books, podcasts, stirring speeches) about personal finance and investing for more than two decades, focusing on bringing clarity and the occasional comedic aside to what is often a murky, humorless topic. She’s written for NerdWallet, The Motley Fool,, Woman’s Day, Forbes, Newsweek and others, and been a guest expert on "Today," "Good Morning America," CNN, NPR and wherever they’ll hand her a mic.

Carolyn Kimball
Carolyn Kimball

Carolyn Kimball is Managing Editor for Reink Media Group and the lead editor for content on Carolyn has more than 20 years of writing and editing experience at major media outlets including NerdWallet, the Los Angeles Times and the San Jose Mercury News. She specializes in coverage of personal financial products and services, wielding her editing skills to clarify complex (some might say befuddling) topics to help consumers make informed decisions about their money.

Andrea Coombes
Andrea Coombes

Andrea Coombes has 20+ years of experience helping people reach their financial goals. Her personal finance articles have appeared in the Wall Street Journal, USA Today, MarketWatch, Forbes, and other publications, and she's shared her expertise on CBS, NPR, "Marketplace," and more. She's been a financial coach and certified consumer credit counselor, and is working on becoming a Certified Financial Planner. She knows that owning pets isn't necessarily the best financial decision; her dog and two cats would argue this point.