Credit Cards for Groceries

Credit cards suitable for grocery shopping provide attractive rewards, cash back, or discounts on grocery purchases, allowing cardholders to maximize their savings on essential household expenses. These cards typically offer higher rewards rates or cash back percentages specifically for grocery store purchases. Some cards may also include additional benefits such as bonus points or cash back on other related expenses like dining out or purchasing gas. Cardholders can accumulate rewards or cash back on their grocery spending and redeem them for statement credits, deposits into their bank accounts, or other rewards. By using these credit cards for grocery shopping, individuals can earn valuable rewards or cash back while buying everyday essentials, helping to stretch their budget and enhance their overall shopping experience.

Best Credit Cards

  • Instacart Mastercard®: best for frequent Instacart users who want to earn 5% cashback on grocery delivery and household essentials with no annual or foreign transaction fees
  • Custom Cash®: best for up to 5% cashback on purchases in a top spend category, 4% on select Citi Travel, plus a sign-upbonus and 0% intro APR for 18 months on balance transfer
  • DoorDash Rewards Mastercard: best for frequent DoorDash users who want elevated rewards on food delivery, dining, and groceries, with one year of DashPass included
  • Discover it®: best for 5% cashback on quarterly rotating categories and Unlimited Cashback Match + 0% intro APR and no annual fee
  • Prime Visa: best for Amazon Prime members, 5% cashback on Amazon and Whole Foods + welcome offer
  • Blue Cash Everyday®: best for simple everyday cashback, earns 3% on groceries, gas, and online purchases, plus 0% intro APR for 15 months and a sign-up bonus
  • Customized Cash Rewards: best for selecting one 3% bonus category + 0% intro APR for 15 months
  • Savor Rewards: best for dining, entertainment, and grocery spenders who want elevated cashback without tracking categories, plus a sign-up bonus, and no annual or foreign transaction fees

Blue Cash Everyday®

Apply now

On 's Secure Website

Blue Cash Everyday®
4.7

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.49% - 28.49% Variable APR

Buy Now, Pay Later Split eligible purchases of $100 or more into equal monthly installments with a fixed fee. Simply select the purchase in your online account or the American Express® App, and you’ll continue to earn rewards on your purchases as usual.

Plan it®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback on up to $6,000 per calendar year in each of the following categories: U.S. supermarkets (excluding superstores, convenience stores, warehouse clubs, and meal-kit delivery services), U.S. online retail purchases, and U.S. gas stations (excluding superstores, supermarkets, and warehouse clubs that sell gas). Plus, earn 1% on all other eligible purchases.

1% - 3% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $2,000 in the first six months.

$200

Welcome Offer

  • Earn a $200 cash rewards bonus after spending $2,000 in the first six months.

Rewards

  • 3% Cashback on up to $6,000 per calendar year in each of the following categories:
    • U.S. supermarkets (excluding superstores, convenience stores, warehouse clubs, and meal-kit delivery services)
    • U.S. online retail purchases
    • U.S. gas stations (excluding superstores, supermarkets, and warehouse clubs that sell gas)
  • 1% Cashback on all other eligible purchases.

Statement Credits

  • $84 Disney Streaming Credit: If you already pay for Disney+, Hulu, or ESPN+, this credit can cover up to $84 per year in streaming costs.

Redemption Options

  • Redeem cashback as a statement credit or use it at Amazon.com checkout.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
  • Regular APR: After the introductory period, a variable APR of 19.49% - 28.49% applies to purchases and balance transfers.
  • Balance Transfer Fees: $5 or 3% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each purchase transaction in U.S. dollars.

Travel Protections

  • Car Rental Coverage (secondary): Provides reimbursement for theft and collision damage when you decline the rental company’s coverage and pay for the rental in full with your card. Coverage is secondary in the U.S. to your personal insurance.
  • Global Assist® Hotline: Provides 24/7 assistance while traveling more than 100 miles from home, including help with medical, legal, and travel emergencies. This service helps connect you to local resources, but you are responsible for any costs charged by third-party providers.

Convenience Features

  • Send & Split®: If you often split purchases with friends or family, Send & Split® lets you request repayments through Venmo or PayPal directly from the Amex app while still earning rewards on the full purchase. Repayments are applied as statement credits. Enrollment required.
  • Additional Cards: Adding authorized users lets you earn cashback on their purchases at the same rates, helping households or couples pool spending and earn rewards faster. Additional cards are free and earn rewards just like the primary card.

Nice Extras

  • Events With Amex™: If you attend concerts, sports, or live events, Events with Amex™ can offer presale access and special ticket opportunities for select events. Availability varies by location and event.

Shopping & Savings

  • Amex Offers: Amex Offers lets you add targeted merchant discounts to your card and earn statement credits or bonus rewards on qualifying purchases. Offers vary by card and availability. Enrollment required.

Buy Now, Pay Later Options

  • Plan It®: Plan It® lets you split eligible purchases of $100 or more into equal monthly installments with a fixed fee while still earning rewards on the original purchase.

Terms and Conditions

Click Apply Now to review the terms and conditions and see if you’re approved, with no impact to your credit score.

American Express® Blue Cash Everyday® is a strong no-annual-fee cashback option for everyday spending, especially for groceries, gas, and online purchases. It is simple and straightforward, with no complicated rules, rotating categories to track, or points to manage. The card is easy to use and redeem, making it a good fit for beginners or anyone who prefers simplicity over optimization. The main tradeoff is capped rewards and more limited American Express acceptance compared to Visa or Mastercard. For users who want easy cashback with minimal thinking, it does the job well, while those looking to maximize rewards or cover all spending may want to pair it with another card.

Customized Cash Rewards

Apply now

On Bank of America's Secure Website

Customized Cash Rewards
4.7

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.49% - 27.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.

Custom Pay Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 2% cashback at grocery stores and wholesale clubs. You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Earn 1% cashback on all other purchases.

1% - 3% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in the first three months. Plus, earn 6% cashback in the category of your choice for the first year.

$200 + 6% Cashback In The Category of Your Choice for the First Year

Welcome Offer

  • Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
  • First-Year Earning Boost: Earn 6% cashback in the category of your choice for the first year.

Rewards

  • 3% Cashback in One Category of Your Choice:
    • Gas and EV Charging Stations.
    • Online Shopping, including cable, internet, phone plans and streaming.
    • Dining.
    • Travel.
    • Drug Stores and Pharmacies.
    • Home Improvement/Furnishings.
    • Note: You can change the choice category once every calendar month.
  • 2% Cashback Categories:
    • 2% Cashback at Grocery Stores.
    • 2% Cashback at Wholesale Clubs.
  • Limit on 3% and 2% Cashback: You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem cashback as a statement credit, direct deposit to eligible Bank of America® or Merrill® accounts, or use it at Amazon.com and PayPal checkout.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
  • Regular APR: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: 3% of each transfer amount for balance transfers made within the first 60 days of account opening.
  • Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Bank Relationship Benefits:

  • Boosted Rewards for Preferred Rewards Members: If you’re enrolled in Bank of America Preferred Rewards, you can earn 25% to 75% more points.
    • Up to 5.25% Cashback on the Choice Category.
    • Up to 3.50% Cashback on Grocery and Wholesale Clubs.
    • Up to 1.75% Cashback on All Other Purchases.
    • Note: Preferred Rewards bonuses do not apply to the 3% first-year bonus.

Additional Features

  • Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay
  • Account alerts available
  • Paperless statements available
  • Online & mobile banking access

Terms and Conditions

Click Apply Now to see the terms and conditions.

Bank of America® Customized Cash Rewards is a flexible cashback card that lets you choose a 3% bonus category. It also comes with a welcome bonus and a 0% intro APR for 15 months on purchases and balance transfers. It works best when you select one bonus category and use the card only for that type of spending. When paired with a flat-rate 2% cashback card for everything else, it can be a powerful part of a multi-card setup. Forgetting to select or manage the bonus category will quickly reduce its value. This card rewards strategy and attention more than simplicity.

Instacart Mastercard®

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On Chase's Secure Website

Instacart Mastercard®
4.5

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on Instacart purchases for the first $6,000 per year and on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, and on select streaming services, plus 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $50 Instacart credit automatically upon approval.

$50 Instacart Credit

Welcome offer

  • Earn a $50 Instacart credit automatically upon approval.

Rewards

  • 5% Cashback on Instacart Purchases (for the first $6,000 per year).
  • 5% Cashback on Chase Travel.
  • 2% Cashback Categories:
    • 2% Cashback at Restaurants.
    • 2% Cashback at Gas Stations.
    • 2% Cashback on Select Streaming Services.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Redeem rewards for cash, travel, or Instacart orders.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 18.24% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Additional Features

  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Instacart Mastercard® is a strong pick for frequent Instacart users who want to earn elevated cashback on grocery delivery and everyday food spending. It offers 5% cashback on Instacart purchases, making it especially valuable for saving on groceries and household essentials. You'll also earn 5% cashback on Chase Travel purchases, 2% cashback on restaurants, gas, and select streaming services, plus receive an instant $50 Instacart credit upon approval, with no annual or foreign transaction fees. While rewards are less compelling outside Instacart spending, it’s an excellent choice for people who rely on grocery delivery and want their food purchases to earn maximum value with minimal effort.

Custom Cash®

Apply now

On Citi's Secure Website

Custom Cash®
4.6

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months

Regular APR

17.49% - 27.49% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on purchases in your top eligible spending category each billing cycle, on up to $500 per cycle. You’ll also earn an additional 4% cashback on hotels, car rentals, and attractions booked through Citi Travel®, plus unlimited 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $1,500 in the first six months.

$200

Welcome Offer

  • Earn a $200 cash rewards bonus after spending $1,500 in the first six months.

Rewards

  • 5% Cashback on Top Eligible Category: Earn 5% cashback on purchases in your top eligible spend category each billing cycle, up to the first $500 spent each billing cycle. The eligible categories are Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
  • 4% Cashback on Select Citi Travel®: Earn 4% cashback on hotels, car rentals, and attractions booked on Citi Travel®.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Redeem points for cashback (100 ThankYou® Points = $1) as a statement credit, direct deposit, or mailed check. You can also use them for gift cards and travel, or shop with points at Amazon.com, and more. Redemption rates may vary. Cash rewards do not expire.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Balance Transfers: For 18 months from account opening on balance transfers completed within the first 4 months.
  • Regular APR: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Exclusive Offers

  • Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.

Additional Features

  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
  • Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
  • Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
  • Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Citi® Quick Lock: Instantly block new purchases while allowing recurring transactions to continue without disruption.
  • 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.
  • Authorized Users: Add authorized users at no cost to maximize your earning potential.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Citi Custom Cash® Card is an excellent option for people who want to earn high cashback automatically in their top spending category without tracking rotating bonuses. You’ll earn 5% cashback on up to $500 per billing cycle in your highest eligible category, plus an additional 4% on hotels, car rentals, and attractions booked through Citi Travel®, and 1% on all other purchases, all with no annual fee. Add in a sign-up bonus and a 0% intro APR for 18 months on balance transfers, and it’s a strong everyday card for maximizing rewards in one key spending area with minimal effort.

DoorDash Rewards Mastercard

Apply now

On Chase's Secure Website

DoorDash Rewards Mastercard
4.6

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 4% cashback on DoorDash and Caviar orders, 3% on dining, 2% on grocery stores, and 1% on all other purchases.

1% - 4% Cashback

Welcome Offer Approved applicants receive a free year of DashPass membership ($96 value), which will auto-renew at the current rate. Cancel anytime.

Free Year of DashPass Membership ($96 value)

Welcome Offer

  • Approved applicants receive a free year of DashPass membership ($96 value), which will be auto-renewed at the current rate. DashPass members enjoy $0 delivery fees, reduced service fees, and exclusive benefits on every eligible order. Cancel anytime.

Rewards

  • 4% Cashback on DoorDash and Caviar orders.
  • 3% Cashback on Dining when purchased directly from a restaurant.
  • 2% Cashback on Grocery Stores online or in-store.
  • 1% Cashback on All Other Purchases.

Partner Benefits

  • DashPass Anniversary Bonus: Receive a complimentary DashPass membership every year with $10,000 in annual card spend.
  • Priceless®: Immerse yourself in virtual and in-person experiences with Mastercard Priceless Experiences®.

Redemption Options

  • Redeem rewards for DoorDash and Caviar orders, cash, and gift cards.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 18.24% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
  • Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • World Elite Concierge: Complimentary 24/7 concierge service to help with dining reservations, finding hard-to-get items, travel planning, and more.
  • Chase Offers: Activate personalized deals from popular merchants and earn automatic cash back when you use your eligible Chase card.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • 24/7 Customer Service Access: Get round-the-clock access to dedicated customer service specialists from anywhere in the world.
  • Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The DoorDash Rewards Mastercard® is a great choice for people who frequently use DoorDash and want to get more value from food delivery and dining. You’ll earn 4% cash back on DoorDash orders, 3% on dining, and 2% on groceries, along with built-in perks like DashPass benefits and no annual fee, which can add up to meaningful savings. New cardholders also get a free year of DashPass. The card includes useful extras such as purchase protection, extended warranty coverage, and trip cancellation and interruption insurance. While it’s less compelling for those who rarely order delivery, it’s an easy win for loyal DoorDash users who want their food spending to earn more back.

Discover it®

Apply now

On Discover's Secure Website

Discover it®
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

17.49% - 26.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 1% cashback on all other purchases.

1% - 10% Cashback

Welcome Offer Earn a $100 statement credit when you apply through our site. Plus, enjoy Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.

$100 + Unlimited Cashback Match (first year)

Welcome Offer

  • $100 Statement Credit: Earn a $100 bonus as a statement credit when you apply through this referral link. This offer is available for a limited time through our site.
  • Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.

Rewards

  • 5% Cashback on Quarterly Rotating Categories: Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. See current categories here.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash at any time, in any amount, or use them for purchases at Amazon.com. Cashback never expires.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed by the date specified in the terms and conditions (typically within the first 90 days).
  • Regular APR: After the introductory period, a variable APR of 17.49% - 26.49% applies to purchases and balance transfers.
    • Paying late won’t raise your APR.
  • Intro Balance Transfer Fees: 3% of the transfer amount, for balance transfers completed by the date specified in the terms and conditions (typically within the first 90 days).
  • Regular Balance Transfer Fees: 5% of each transfer amount, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: N/A.
  • Late Payment: No fee on your first late payment.

Additional Features

  • Custom Card Design: Choose from 25 colorful designs when you apply for the Discover it® card.
  • Zero liability protection, online privacy protection, Freeze it® to temporally block new purchases, cash advances, and balance transfers, free access to FICO® Credit Score, automatic account alerts, free SSN alerts, free overnight card replacement, 24/7 100% U.S.-based customer service, Spend Analyzer to track your purchases, contactless checkout, and compatibility with digital wallets.

Terms and Conditions

Click Apply Now to see the terms and conditions.

  • The NHL® Discover it® Card has the same rewards and features as Discover it®, with the added option to choose a custom NHL team design. If you want the same card with a personal touch, this is it. 👉 View NHL® Discover it® Card details
  • The Discover it® Student Card is a better fit for students or first-time cardholders. It offers rotating cashback categories similar to Discover it®, along with easier approval and no annual fee. 👉 Check Discover it® Student cashback details
The Discover it® Card is a great pick for people who want to maximize rewards without paying an annual fee. It offers 5% cashback on rotating quarterly categories, such as grocery stores, restaurants, and gas stations, on up to $1,500 in purchases each quarter after activation, and 1% cashback on all other purchases. New cardmembers benefit from Discover’s Cashback Match, which automatically doubles all cashback earned at the end of the first year, effectively enhancing the initial rewards rate. Additionally, you also get a 0% intro APR for 15 months on purchases and balance transfers, which can help if you're planning a big purchase or need time to pay down debt. This card is best for smart spenders who can take advantage of the bonus categories and want to earn extra cashback in their first year.

Prime Visa

Apply now

On Chase's Secure Website

Prime Visa
4.6

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.74% - 27.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. Earn 2% cashback at restaurants, gas stations, and on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $150 Amazon gift card instantly upon approval.

$150 Amazon Gift Card

Prime Membership Required for highest rewards: You need an active Amazon Prime membership to apply for the Prime Visa and earn its highest reward rates.

Welcome Offer

Get a $150 Amazon gift card instantly upon approval.

Rewards

  • 5% Cashback Categories (with an eligible Prime membership):
    • 5% Cashback at Amazon.com and Amazon Fresh.
    • 5% Cashback at Whole Foods Market.
    • 5% Cashback at Audible.com.
    • 5% Cashback on Chase Travel purchases.
  • 2% Cashback Categories:
    • 2% Cashback at Restaurants.
    • 2% Cashback at Gas Stations.
    • 2% Cashback on Local Transit and Commuting.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.
  • Points post and can be redeemed as soon as the next day.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 18.74% - 27.49% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Visa Signature® Experiences: Enjoy Luxury Hotel Collection and Concierge Services.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Baggage Delay Insurance, and Lost Luggage Reimbursement.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Prime Exclusive Offers: Earn 10% or more on a rotating selection of items and categories at Amazon with an eligible Prime membership.
  • Chase Offers: Access great deals in the Chase Mobile app and at chase.com with no coupons, codes, or vouchers required.

Additional Features

  • Get it Now, Pay over Time: Enjoy 0% intro APR for 6-12 months on eligible Amazon purchases of $50 or more or at eligible retailers with Amazon Pay. Note: you won’t earn rewards if you choose equal monthly payments at checkout.
  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Zero liability protection, fraud protection, automatic account alerts, 24/7 customer service, contactless checkout, compatibility with digital wallets, free credit score and identity monitoring with Credit Journey®, and chip-enabled for enhanced security.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Don’t have Amazon Prime?

  • The Amazon Visa card is a good option for occasional Amazon shoppers who prefer not to pay for full Prime membership. For frequent Amazon or Whole Foods purchases, the Prime Visa generally provides better overall value. 👉 Check Amazon Visa card details.
The Prime Visa is a great choice for Amazon Prime members who want to earn rewards on their everyday purchases. With 5% cash back on Amazon and Whole Foods, plus 2% back at gas stations, restaurants, and on transit, it’s a solid card for those who shop regularly at Amazon. There's also a nice welcome gift card offer for new cardholders. While it’s designed for frequent Amazon shoppers, the card also provides useful travel protections and has no foreign transaction fees, making it a practical option for people looking to earn cash back on both online and in-person purchases.

Savor Rewards

Apply now

On Capital One's Secure Website

Savor Rewards
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

18.49% - 28.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

740-850 (Excellent)

Rewards Earn 3% cashback on grocery stores, dining, entertainment, and select streaming services. Earn 8% cashback on Capital One entertainment purchases and 5% cashback when you book hotels, vacation rentals, and rental cars through Capital One Travel. Plus, 1% cashback on all other purchases.

1% - 8% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

Welcome Offer

  • Earn a $200 bonus after spending $500 in the first 3 months.

Rewards

  • 3% Cashback Categories:
    • 3% Cashback on Grocery Stores.
    • 3% Cashback on Dining.
    • 3% Cashback on Entertainment.
    • 3% Cashback on Select Streaming Services.
  • 8% Cashback on Capital One Entertainment purchases.
  • 5% Cashback on Hotels, Vacation Rentals, and Rental Cars booked through Capital One Travel.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash, gift cards, travel, experiences, purchases at Amazon.com, PayPal checkout, and more.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: For 12 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $3% of each transferred amount that posts to your account within the first 12 months of account opening.
  • Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: None.

Exclusive Offers

  • Capital One Travel: Get access to great prices on thousands of travel options, even after you book.
  • Capital One Entertainment: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.
  • Capital One Dining: Enjoy exclusive reservations at top-rated restaurants and access to unforgettable culinary experiences.
  • Capital One Shopping: An online shopping tool that automatically applies available coupon codes to help you save at checkout.
  • 50% Off Handcrafted Beverages: Enjoy 50% off all handcrafted drinks every day at any Capital One Café, just show your Capital One card.
  • Eno, Your Capital One Assistant: Eno monitors your account 24/7, sends alerts if something looks off, and can answer questions about your account instantly.
  • Capital One Offers: Earn exclusive rewards or statement credits when you shop online at thousands of retailers including brands like Adidas, Macy’s, and more.
  • Complimentary Concierge Service: Get 24/7 personalized assistance with dining, entertainment, and travel—available every day of the year.
  • Hertz Five Star® Status: Enjoy complimentary Hertz Five Star® status just for being cardholder. Skip the rental counter at selected locations, get access to a wider range of vehicle, and enjoy faster service and special upgrades when available.

Travel Benefits

  • Flight Price Drop Protection: Enjoy free price drop protection. If your flight fare drops within 10 days of booking through Capital One Travel, you’ll receive up to $50 in travel credit.
  • Price Match Guarantee: If you find a better price on the same flight, hotel, or car rental, Capital One Travel will match it.
  • Travel Accident Insurance: Get automatic insurance for covered losses at no extra cost when you use your card to purchase your fare.

Purchase Protections

  • Extended Warranty Protection: Get extra warranty protection at no cost on eligible items you purchase with your card.

Additional Features

  • Emergency card replacement and a cash advance.
  • Instant Purchase Notifications: Stay on top of your spending with a push notification every time a purchase is approved on your account.
  • Security Alerts: Get notified by text, email, or phone if Capital One detects potential suspicious activity on your account.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • CreditWise: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Recurring Transactions: Easily view a list of merchants that charge your card each month, such as subscriptions and recurring bills.
  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • 24/7 Customer Service.
  • Automatic Payments: Set up AutoPay to pay your balance automatically, so you don’t have to log in and pay manually each month.
  • Automatic Credit Line Reviews: Be automatically considered for a higher credit line in as little as six months.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • Flexible Payment Options: Choose a payment due date that works for you — whether it’s at the beginning, middle, or end of the month.
  • Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.

Terms and Conditions

Click Apply Now to see the terms and conditions.

  • The Savor Rewards for Students card offers similar elevated cashback on dining, entertainment, and grocery purchases, with student-friendly approval requirements. It is designed for students who want straightforward rewards without an annual fee. 👉 View Savor Rewards for Students card details
The Savor Rewards is a great pick for people who want to earn strong rewards on everyday spending without paying an annual fee. It offers unlimited 3% cashback on dining, entertainment, popular streaming services, and grocery store purchases (excluding superstores), plus 1% on all other purchases. New cardholders can also enjoy a $200 welcome bonus after spending $500 in the first 3 months, along with a 0% intro APR on purchases and balance transfers for 12 months. With no foreign transaction fees and well-rounded benefits, this card is ideal for social spenders who want to earn meaningful rewards while keeping costs low.




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