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Groceries are an essential living expense—especially now that you may be spending more time stuck at home and less time visiting friends or dining out. Not only are Americans currently spending more on groceries, the price of meat, poultry, fish, eggs, and other goods has steeply increased.

Maybe you already have a card in your wallet that rewards you for paying recurring expenses like your telephone bill or gym membership. Adding a grocery rewards card to the mix can help you earn cash back or points each time you go to the store or place an order for a grocery haul.

If you’re thinking about adding a grocery card to your arsenal, we recommend these six options.

Most cards on this list have no annual fee, but don’t rule out the one that does—as long as the math makes sense. A credit card that comes with a fee like the Blue Cash Preferred can be a valuable addition to your wallet as long as the rewards you earn are worth more than the annual cost.Credit card issuers often have strict guidelines on what stores qualify for grocery rewards. Bodegas and local bakeries may or may not be included in the grocery category. If you do most of your shopping at specialty shops or corner stores, check that they’re included in the rewards program before applying. Warehouses and superstores are also typically excluded from the supermarket category unless expressly stated in the rewards offer.Rewards caps are common. Credit cards may have a spending cap that limits how much you can earn in each category. One card’s spending cap may be generous for a small household but limiting for a large one. Add up how much you spend on groceries per month and compare credit card spending caps before choosing one.Check your existing cards to see if you’re already rewarded for grocery shopping. Since people are spending more time at home and less time traveling or dining out, many card issuers have recently added grocery rewards for a limited time.Paying off rewards cards each month is key. No matter which card you choose, the goal should be to pay off the balance each month. Making minimum payments and revolving a balance means you’ll rack up interest charges which can negate the rewards you earn, and this can also have an effect on your credit score.

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My name is MD Amir(member of Free knowledge Hub), and I’m a personal finance writer who’s been reviewing credit cards and rewards programs since . For this roundup, I took a look at credit cards that offer grocery rewards and categorized them by rewards opportunity, annual cost, and ease of use.

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The Blue Cash Preferred Credit Card from American Express

The Blue Cash Preferred from American Express makes our list as the best overall choice with a whopping % back at U.S. supermarkets. The card comes with a $ annual fee, but the cash back you earn can easily cover the cost. You only need to spend about $, per year $ per month or $ per week in the grocery category to break even.

Music lovers and binge-watchers may find this card particularly worthwhile with % cash back on Apple Music, Netflix, HBO Max, and other streaming subscriptions. However, if you don’t think you’ll use the card enough to offset the cost with rewards earnings, consider the no-annual-fee Blue Cash Everyday instead. We’ll discuss that one next.

Grocery points: % cash back at U.S. supermarkets, which does not include superstores and warehouse clubs. You’re eligible to earn rewards on the first $, you spend each year—this works out to about $ per week—and then an unlimited % thereafter.Additional points: % on streaming subscriptions, % on transit spending, % at U.S. gas stations, and % on everything else. You can redeem rewards for a statement credit when your rewards balance reaches $.Perks: Spend $, within the first three months and you’ll get a $ statement credit. Plus, there’s a % APR introductory deal for the first months on new purchases.

The Blue Cash Everyday is a no-fee grocery and gas card that packs a punch. You earn % cash back on the first $, per year you spend at U.S. supermarkets, and % cash back at U.S. gas stations and department stores. Although this card and the Blue Cash Preferred have a $, spending cap on groceries, Americans on average spend about $, annually for “food at home,” according to the Bureau of Labor and Statistics, so shopping for your household may fit comfortably under this limit.

Grocery points: % cash back at U.S. supermarkets up to $, per year—this works out to about $ per week—and then an unlimited % thereafter. As with the Blue Cash Preferred, grocery hauls at superstores and warehouse clubs do not qualify for rewards.Additional points: % at U.S. gas stations and department stores, and % on everything else. You can redeem rewards for a statement credit when your balance reaches $.Perks: Spend $, within the first three months and you’ll get $ back as a statement credit. Plus, there’s a % APR introductory deal for the first months on new purchases.

The Amazon Prime Rewards Visa Signature Credit Card

The Amazon Prime Rewards Visa Signature is another no-fee card that gives % back to eligible Amazon Prime members who shop at Amazonm and Whole Foods Market. To be eligible for % back, you must keep the card connected to your Amazon account and maintain Prime membership by paying the annual or monthly membership fee.

While the card itself doesn’t have an annual fee, Prime membership costs $ per year $. per month and $ per year $. per month for students. But maintaining membership probably won’t be a dealbreaker for shoppers who’ve already joined to receive other Prime perks like two-day and same-day shipping.

If someone invited you to get shipping perks through their membership, you ll earn % back instead of the full % in the top category. You can, however, upgrade to the higher rewards rate if you join Amazon Households with an eligible Prime member.

Grocery points: % back at Amazonm including Amazon Fresh orders, digital downloads, Amazon gift cards, and Amazon Prime subscriptions and % back at Whole Foods Market locations and online.Additional points: % at restaurants, gas stations, and drug stores, and % on all other purchases.Perks: There’s no minimum balance to redeem cash back. The card has no foreign transaction fee and comes with benefits like travel and emergency insurance.

Loyal Walmart shoppers—especially those who order products and groceries online—may find a lot of value in this offer. You get % back when shopping at Walmartm, and it includes grocery pickup and delivery.

You typically earn % back at Walmart locations and Walmart gas stations. However, for the first months, the card gives % at the store checkout if you use Walmart Pay, a virtual wallet that stores your credit card information for touch-free checkout.

Card rewards are tracked in points and each point is worth one cent. Word of warning though: To get the most value from this card, you must be a dedicated Walmart shopper because the money you spend at other retailers that accept Mastercard will only earn % back.

Additional points: % back at Walmart, Walmart gas stations, restaurants, and travel, and % cash back on everything else. You can redeem rewards for statement credit, gift cards, travel, or to make purchases at Walmartm.Perks: For the first year, you earn % back at brick-and-mortar Walmart locations as long as you use Walmart Pay. Afterward, you earn % back in the store.

At Target, RedCard cardholders receive % off in-store and online purchases. The % discount is automatically applied when you swipe at checkout, but there are some restrictions. Prescriptions, over-the-counter pharmacy products, and eye exams at Target don’t qualify.

Cardholders get free shipping, exclusive store offers, and discount gift cards. You don’t earn rewards that can be redeemed for travel or merchandise from other retailers, so diehard Target fans will see the most value here. You could consider coupling this card with a flat-rate card or revolving category card to earn and redeem rewards for the spending you do outside of the big-box retailer.

Most credit card issuers don t reward purchases made at wholesalers—but bulk shoppers can earn % cash back with the Bank of America Cash Rewards.

Cash Rewards Credit Card From Bank Of Amrica

The Bank of America Cash Rewards card offers % cash back when you shop at grocery stores and wholesale clubs—unique in the world of grocery cards since club shopping is usually excluded from the supermarket category. This card may be a smart choice for BJ’s and Sam’s Club shoppers, and especially people who frequent Costco since the warehouse exclusively accepts Visa.

The rewards offer is % cash back on groceries and % cash back on a category of your choice. Pay close attention to the rewards cap: The combined spending limit for the % and % categories is $, per quarter. The money you spend beyond the $, cap earns just % back until the next quarter.

Bank of America customers with large account balances get an even better rewards deal. Preferred Rewards members qualify for % to % more in cash back. For the supermarket category, this equals up to a total of .% cash back.

Additional points: % in the category of your choice including gas, online shopping, dining, travel, drug stores, or home improvement and % on all other purchases. The combined spending cap for the % and % categories is $, every three months. Let’s say you choose gas for the % category. You’ll earn % and % back on the first $, spent on gas and groceries each quarter. Spend more than the limit and you’ll earn % cash back in those categories until the next quarter.Perks: Spend $, in the first days and you’ll earn a $ cash bonus. The card also has an introductory % APR on new purchases for months.

Please note: The offers mentioned above are subject to change at any time and some may no longer be available.

Reviewed has partnered with CardRatings for our coverage of credit card products. Reviewed and CardRatings may receive a commission from card issuers.

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