The Best No-Annual-Fee Credit Card for Groceries and Dining in 2026
You shouldn't have to pay a yearly fee to earn on the two things you buy every week. Here are the best cards that reward groceries and dining for $0 — and the one exception where a small fee actually pays you back.
The Winner: Capital One SavorOne
If you want one no-annual-fee card that rewards both groceries and dining, this is it.
| Detail | |
|---|---|
| Annual fee | $0 |
| Groceries | 3% at grocery stores (in-store and online) |
| Dining | 3% at restaurants |
| Also 3% | Entertainment and popular streaming services |
| Everything else | 1% |
| Point value | 1 cent each (statement credit or travel) |
| Foreign transaction fees | None |
| Sign-up bonus | 20,000 points after $500 in spending |
Most no-fee cards make you choose — good on dining or good on groceries, rarely both. The SavorOne is the exception: 3% on both, plus entertainment and streaming, for no yearly cost. The sign-up bonus has an almost comically low spend requirement — buy a week of groceries and you've likely hit it.
The math, on $850/month groceries and $500/month dining:
| Category | Annual spend | Rewards |
|---|---|---|
| Groceries | $10,200 | $306 (3%) |
| Dining | $6,000 | $180 (3%) |
| Total | $16,200 | $486/year |
Nearly $500 a year in value from a card that costs nothing. The one limitation: points are worth a flat 1 cent with no airline transfer partners, so you won't stretch them into premium flights the way you can with a fee card. For a no-fee card, that's a fair trade.
See the current Capital One SavorOne offer →
If You Eat Out More Than You Cook: Wells Fargo Autograph
| Detail | |
|---|---|
| Annual fee | $0 |
| Dining | 3x points on restaurants |
| Also 3x | Travel, gas, transit, streaming, and phone plans |
| Groceries | Not a bonus category (1x) |
The Autograph is a strong $0-fee dining card with a wide set of bonus categories — restaurants, travel, gas, transit, and more. The catch for food shoppers: groceries are not a bonus category. If your food spending leans heavily toward restaurants and takeout rather than the supermarket, the Autograph's 3x on dining (plus travel and gas) can be the better fit. If groceries are a big line item, the SavorOne wins.
See the current Wells Fargo Autograph offer →
The Exception Worth a Small Fee: Amex Blue Cash Preferred
No $0-fee card beats 3% on uncapped grocery spending. If you want more, you have to pay a little — and for heavy grocery shoppers, it's worth it.
| Detail | |
|---|---|
| Annual fee | $95 |
| U.S. supermarkets | 6% (on up to $6,000/year, then 1%) |
| Also 6% | Select U.S. streaming |
| Transit & U.S. gas | 3% |
At 6% on up to $6,000 of grocery spending, this card returns $360/year in that category alone — more than enough to cover the $95 fee if you spend even $30–$40 a week on groceries. It's cash-back, not travel points, but for a grocery-heavy household it's the highest reliable rate available.
See the current Blue Cash Preferred offer →
How to Choose
- Want one card for both groceries and dining, no fee? → Capital One SavorOne
- Eat out far more than you cook? → Wells Fargo Autograph
- Heavy grocery spender willing to pay $95 for 6%? → Blue Cash Preferred
- Spend $1,000+/month on food and travel often? → step up to a transferable-points card
That last option is where the real travel value lives. Once your food spending is high enough, a card like the Amex Gold earns points worth far more than cash back when you transfer them to airlines. See how the no-fee and premium options stack up in our full guide to the best credit cards for dining and groceries, or read the head-to-head: Amex Gold vs Capital One SavorOne.