Best Cash Back Card with High Grocery Rewards

Earn Exclusive Cash Back Rewards With KOHO

KOHO Cash Back Mastercard puts cash back in your pocket, with up to 2% on groceries, transit, and dining — plus up to 6.5% extra at partner merchants. Simple rewards, no fine print.

With our No Fee Account, Essential plan lets you earn great 1% cash back on groceries, eating & drinking, transportation. On top of cash back rewards, grow your savings with a 2% interest savings on your entire balance.

Unlock the Essential plan with no fees by setting up direct deposit or adding $1,000.

Our All Inclusive Account, Everything plan earns you 2% unlimited cash back on groceries, transportation, food & drinks.

How to Choose the Right Grocery Rewards Card

Calculate Your Grocery Spending
Track how much you spend monthly on groceries to determine which card offers the best return.

Consider Annual Fees
Cards with fees often have higher rewards rates. Do the math: if you spend $500/month on groceries, a 5% card with a $120 fee earns you $300/year minus the fee = $180 net benefit.

Check Where You Shop
Some cards only work at specific stores or chains. Make sure your preferred grocery stores accept the card.

Look at Additional Benefits
Beyond groceries, consider what else the card offers—dining rewards, travel perks, insurance coverage, etc.

Understand Caps and Limits
Some cards cap how much you can earn in bonus categories. Check if there's a spending limit on grocery rewards.

Tips to Maximize Your Grocery Cash Back

Use Your Card for All Grocery Purchases
Consolidate grocery spending on your rewards card to maximize earnings.

Stack with Store Loyalty Programs
Use your grocery store's loyalty program alongside your credit card for double rewards.

Pay Your Balance in Full
Interest charges will quickly erase any rewards earned. Always pay on time and in full.

Watch for Bonus Promotions
Many cards offer increased rates during promotional periods—take advantage when available.

Buy Gift Cards at Grocery Stores
Some grocery stores sell gift cards that may qualify for grocery rewards, effectively earning cash back on other purchases.

What Counts as Grocery Purchases?

Most cards define groceries as purchases at:

• Supermarkets and grocery stores

• Fresh produce markets

• Butcher shops

What Usually Doesn't Count:

• Walmart and Target (often coded as general merchandise)

• Warehouse clubs like Costco (may be coded differently)

• Convenience stores

• Restaurants within grocery stores

Always check your card's terms to understand what qualifies.

Make Your Grocery Shopping Work for You

Choosing the right cash back card for groceries can put hundreds of dollars back in your pocket each year.

Calculate your spending, compare the benefits, and pick the card that offers the best return.