Our top picks of timely offers from our partners

More details
UFB Secure Savings
Learn More
Terms Apply
Up to 5.25% APY on one of our top picks for best savings accounts plus, no monthly fee
Accredited Debt Relief
Learn More
Terms Apply
Accredited Debt Relief helps consumers with over $10,000 of debt
LendingClub High-Yield Savings
Learn More
Terms Apply
Our top pick for best savings accounts for its strong APY and an ATM card with no ATM fees
Choice Home Warranty
Learn More
Terms Apply
Protects 25+ systems & appliances. Free quote + $50 off + 1 month free
Freedom Debt Relief
Learn More
Terms Apply
Freedom Debt Relief can help clients get started without fees up front
Select independently determines what we cover and recommend. We earn a commission from affiliate partners on many offers and links. This commission may impact how and where certain products appear on this site (including, for example, the order in which they appear). Read more about Select on CNBC and on NBC News, and click here to read our full advertiser disclosure.
Credit Cards

Best credit cards for grocery shopping of April 2024

Groceries are one of the biggest expenses for Americans — these top cards can save you hundreds a year at the supermarket.

Share

Cooking at home is usually more cost-effective than dining out. And if you're looking to stretch your grocery budget even further, you might want to consider a rewards credit card that can help you earn over $100 a year on groceries.

The average American spends about $5,174 a year, or roughly $431 a month, on groceries, according to a sample budget based on the latest spending data available from the location intelligence firm Esri. That's more than Americans spend on dining out ($3,675 annually).

The best grocery rewards cards offer up to 6% cash back at supermarkets. While they usually exclude wholesale clubs such as Costco and BJ's, and big box stores like Target and Walmart, you can still take advantage of these rates at Whole Foods, Krogers, Albertsons and other big-name grocers. Many top grocery credit cards also offer introductory interest-free periods, giving you some extra time to pay off any debt.

CNBC Select analyzed 27 popular rewards cards using an average American's annual budget and dug into each card's perks and drawbacks to find the best grocery store rewards cards based on your spending habits. (See our methodology for more information on how we choose the best cards.) Here are our top picks for cards offering supermarket rewards.

Best credit cards for groceries

Best for cash back

Blue Cash Preferred® Card from American Express

On the American Express secure site
  • Rewards

    6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

  • Welcome bonus

    Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. 

  • Annual fee

    $0 intro annual fee for the first year, then $95.

  • Intro APR

    0% for 12 months on purchases from the date of account opening

  • Regular APR

    19.24% - 29.99% variable. Variable APRs will not exceed 29.99%.

  • Balance transfer fee

    Either $5 or 3% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    2.7%

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

Pros

  • High 6% cash back at U.S. supermarket spending (up to $6,000 a year, then 1%)
  • Unlimited 6% cash back on select U.S. streaming subscriptions
  • Unlimited 3% cash back at U.S. gas stations and on transit

Cons

  • 2.7% fee on purchases made abroad
  • Estimated rewards earned after 1 year: $679
  • Estimated rewards earned after 5 years: $2,397

Rewards totals incorporate the cash back earned from the welcome bonus

Who's this for? Frequent grocery shoppers will be happy to learn the Blue Cash Preferred® Card from American Express offers the highest cash-back rate at U.S. supermarkets at 6% (on up to $6,000 per year in purchases, then 1%). The average American can earn $310 in cash back each year when they do their shopping at qualifying supermarkets.

If you want to maximize cash back on groceries, this card is for you. In addition to high grocery rewards, there's an unlimited 6% cash back on select streaming subscriptions, unlimited 3% cash back at U.S. gas stations, unlimited 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more and 1% cash back on all other purchases. Terms apply.

Cardmembers can also take advantage of Amex Offers, where users earn a statement credit or additional cash back at select retailers.

This card has $0 intro annual fee for the first year (then $95), but it can be offset by the cash back you earn and discounts you can get through the Amex Offers. (See rates and fees)

Runner-up

American Express® Gold Card

On the American Express secure site
  • Rewards

    4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

  • Welcome bonus

    Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

  • Annual fee

    $250

  • Intro APR

    Not applicable

  • Regular APR

    See Pay Over Time APR

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

  • See rates and fees, terms apply.

Pros

  • Up to $120 dining credit annually ($10 a month) for purchases made with Grubhub, Goldbelly and other eligible restaurants (after a one-time enrollment)
  • Up to $120 Uber Cash annually ($10 a month) for U.S. Uber Eats orders and U.S. Uber rides (card must be added to Uber app to receive the Uber Cash benefit)
  • Strong rewards program with 4X points earned at restaurants and 3X points earned on flights booked directly with airlines or amextravel.com
  • Baggage insurance plan covers up to $1,250 for carry-on baggage and up to $500 for checked baggage that is damaged, lost or stolen
  • No fee charged on purchases made outside the U.S.

Cons

  • No introductory APR period
  • $250 annual fee
  • Estimated rewards earned after 1 year: $1,074
  • Estimated rewards earned after 5 years: $2,969

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? The American Express® Gold Card is geared toward consumers who want to earn a competitive rewards rate on everyday purchases while benefiting from high-end perks. Cardholders earn 4X Membership Rewards® points at U.S. supermarkets and restaurants (on up to $25,000 per year in purchases, then 1X), which is one of the highest rates available. You can also earn 3X Membership Rewards® points on travel booked through Amex.com or directly with the airline and 1X Membership Rewards® points on all other purchases. The average American can earn $207 in cash back each year when they do their shopping at qualifying supermarkets. Terms apply.

Occasionally you can earn even more rewards at U.S. supermarkets with Amex Offers, as well as statement credits at select retailers. These limited-time offers are location-based and additional terms apply.

In addition to rewards and Amex Offers, cardmembers can also take advantage of an annual $120 dining credit ($10 a month) at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations (for those nights when you don't want to cook). Enrollment is required. Plus, there are no foreign transaction fees. (see rates and fees)

The Gold Card does have a $250 annual fee (see rates and fees), but it can be reduced to effectively $130 if you take advantage of the $120 dining credit each year.

Best for online grocery shopping

Chase Sapphire Preferred® Card

On Chase's secure site
  • Rewards

    Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

  • Welcome bonus

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    21.49% - 28.49% variable on purchases and balance transfers

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

  • Terms apply.

Pros

  • Points are worth 25% more when redeemed for travel via Chase Travel℠
  • Transfer points to leading frequent travel programs at a 1:1 rate, including: IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt®
  • Travel protections include: auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement
  • No fee charged on purchases made outside the U.S.

Cons

  • $95 annual fee
  • No introductory 0% APR

Who's this for? If you like to order your groceries online and want to earn travel rewards, then the Chase Sapphire Preferred may be for you. It offers 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more

If you redeem points for travel through Chase Travel℠, they're worth 25% more. You may be able to yield even higher value by transferring your points to Chase's hotel and airline partners, such as United, Southwest, Hyatt, Marriott and more.

The card has a $95 annual fee but the benefits help to offset that cost. Cardholders get up to $15 back quarter on Instacart orders, along with six free months of Instacart+, which provides perks like no delivery fees on orders over $35 and reduced service fees. Other perks include up to $10 back each month on GoPuff orders.

Best for Whole Foods and Amazon Fresh

Prime Visa

  • Rewards

    Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), 10% back or more on a rotating selection of products and categories at Amazon.com, unlimited 1% back on all other purchases

  • Welcome bonus

    Get a $100 Amazon Gift Card (or more) instantly upon approval exclusively for Prime members

  • Annual fee

    $0 (but Prime membership is required)

  • Intro APR

    None

  • Regular APR

    19.49% - 27.49% variable

  • Balance transfer fee

    Either $5 or 4% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

  • Terms apply.

Information about the Prime Visa has been collected independently by Select and have not been reviewed or provided by the issuer prior to publication; if you purchase something through Select links, we may earn a commission.

Pros

  • No annual fee
  • $100 Amazon.com gift card upon approval, with no spending requirements
  • 5% back at Amazon.com and Whole Foods Market
  • No fee charged on purchases made outside the U.S.

Cons

  • Prime membership is required
  • The 5% back on groceries only applies to groceries bought on Amazon.com or at Whole Foods Market
  • Estimated rewards earned after 1 year: $792
  • Estimated rewards earned after 5 years: $2,960

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? If you find yourself primarily grocery shopping at Whole Foods or Amazon.com, then you should consider the Prime Visa. Cardholders earn a high 5% back on those purchases, which is hard to beat. And unlike the two American Express cards on this list, there's no limit to how many points you can earn.

This card is also a decent choice for unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare). You can redeem your points to make purchases on Amazon, for travel through the Chase Travel Center, or for cash or gift cards. Plus, upon approval for the card, you'll get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members, making it one of the few welcome bonuses that isn't connected with a certain spending requirement.

While this card has no annual fee, a Prime membership is required ($139 for an annual membership and $14.99 for a monthly membership). If you already have Prime, this card is a no-brainer, and if you're looking to try Prime, you can offset most of the first-year cost with the $100 or more gift card.

Best for gas stations and groceries

PenFed Platinum Rewards Visa Signature® Card

On PenFed's secure site
  • Rewards

    5X points on gas purchases at the pump and electrical vehicle charging stations, 3X points on supermarket purchases, 1X point on all other purchases

  • Welcome bonus

    15,000 points when you spend $1,500 in the first 3 months from account opening

  • Annual fee

    $0

  • Intro APR

    0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening.*

  • Regular APR

    17.99% variable on purchases; 17.99% non-variable on balance transfers

  • Balance transfer fee

    3%

  • Foreign transaction fee

    None

  • Credit needed

    Good/Excellent

Terms apply.

Pros

  • High 5X points on gas at the pump and 3X on supermarket purchases
  • No bonus category activations
  • Good special financing offer on balance transfers

Cons

  • 3% balance transfer fee
  • Estimated rewards earned after 1 year: $513
  • Estimated rewards earned after 5 years: $2,167

Rewards totals incorporate the points earned from the welcome bonus.

*0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

Who's this for? The PenFed Platinum Rewards Visa Signature® Card is a good choice for shoppers who want big rewards (3X points for every $1 spent on supermarket purchases) without the annual fee. The average American can earn $155 in cash back each year when they do their shopping at qualifying supermarkets.

The card also earned a spot on our list of best credit cards for gas rewards thanks to its 5X points for every $1 spent when you fill up your tank. This is a smart choice for cardholders who want to maximize their rewards on everyday spending.

PenFed is a credit union, so membership is required to open a credit card. Anyone can join, but it takes a few extra steps. You need to apply, open a savings account with a $5 deposit and maintain a $5 account balance.

Best for no annual fee

Blue Cash Everyday® Card from American Express

On the American Express secure site
  • Rewards

    3% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%, 3% cash back at U.S. gas stations, up to $6,000 per year, then 1%, 3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits or at Amazon.com checkout.

  • Welcome bonus

    Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

  • Annual fee

    $0

  • Intro APR

    0% intro APR for 15 months on purchases and balance transfers, from the date of account opening

  • Regular APR

    19.24% - 29.99% variable

  • Balance transfer fee

    Either $5 or 3% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    2.7%

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

Pros

  • 3% cash back at U.S. supermarkets (up to $6,000 a year, then 1%)
  • 3% cash back at U.S. gas stations, (up to $6,000 per year, then 1%)
  • Amex Offers, which provide statement credits or opportunity to earn more rewards at select merchants

Cons

  • 2.7% fee on purchases made abroad
  • Not great for people who don’t regularly go grocery shopping
  • Estimated rewards earned after 1 year: $547
  • Estimated rewards earned after 5 years: $1,935

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? The Blue Cash Everyday® Card from American Express is the no annual fee (see rates and fees) alternative to the Blue Cash Preferred® Card from American Express, which tops our list of best cards for grocery shopping. Blue Cash Everyday® Card members earn a competitive 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). The average American can earn $155 in cash back each year when they do their shopping at qualifying supermarkets.

Cardmembers also earn 3% cash back at U.S. gas stations, (on up to $6,000 in purchases per year, then 1%) and 1% cash back on all other purchases. You can earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months. Terms apply.

Beyond cash back, cardmembers can benefit from a low intro APR of 0% on purchases and balance transfers for the first 15 months from the date of account opening (then, 19.24% - 29.99% variable APR; there's a balance transfer fee that's either $5 or 3% of the amount of each transfer, whichever is greater). Balance transfers must be made within 60 days of account opening. (See rates and fees)

Like the Blue Cash Preferred® Card, the Blue Cash Everyday® Card comes with Amex Offers, which allow you to earn a statement credit or additional points at select retailers. These limited-time offers are location-based and additional terms apply.

Best for welcome bonus

Chase Freedom Flex℠

  • Rewards

    5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% on drugstore purchases and on dining (including takeout and eligible delivery services), 1% cash back on all other purchases

  • Welcome bonus

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.

  • Annual fee

    $0

  • Intro APR

    0% for the first 15 months from account opening on purchases and balance transfers

  • Regular APR

    20.49% - 29.24% variable

  • Balance transfer fee

    Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    3%

  • Credit needed

    Excellent/Good

  • Member FDIC. Terms apply. Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Pros

  • No annual fee
  • Generous welcome bonus
  • Opportunity to earn up to 5% cash back in select categories upon activation
  • Rewards can be transferred to a Chase Ultimate Rewards card

Cons

  • Bonus categories must be activated each quarter
  • 3% fee charged on foreign transactions

Who's this for? The Chase Freedom Flex℠ has a robust welcome bonus: Earn $200 cash back after you spend $500 on purchases in your first three months from account opening. That's like earning 40% back.

This card can help you maximize cashback in a variety of rotating categories. Cardholders earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year. The cash-back calendar changes every quarter. (Learn more about how Chase classifies bonus category purchases.)

In addition to rotating rewards, you earn 5% cash back on travel booked through the Chase Ultimate Rewards® portal, 3% cash back on dining at restaurants and at drug stores and 1% cash back on all other purchases.

Beyond rewards, you can take advantage of no annual fee and a competitive no-interest intro period for the first 15 months from account opening on new purchases and balance transfers (after, 20.49% - 29.24% variable APR). There's an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, it's either $5 or 5% of the amount of each transfer, whichever is greater.

FAQs

How to choose a grocery credit card

Picking the best grocery credit card for your spending depends a lot on how you prefer to shop. Are you someone who grocery shops in-person or do you buy online and have your groceries delivered?

If it’s the latter, you’ll probably be best off with the Chase Sapphire Preferred, which offers 3X points on online grocery purchases, or the Amazon Prime Rewards Visa Signature Card, which offers 5% cash back at Amazon.com, plus grocery delivery services through Amazon Fresh and Whole Foods.

If you like to visit the supermarket, do you have a preference of which store you go to? Grocery rewards credit cards usually exclude wholesale clubs such as Costco and BJ’s and big box stores like Target and Walmart. If these are your go-to places, you may be better off applying for their store credit cards.

To help you choose a generic grocery credit card, take a look at the reward rates and associated costs. While the best grocery rewards cards offer up to 6% cash back at supermarkets, many come with annual fees. The Blue Cash Everyday® Card from American Express has no annual fee, making it a smart choice if you’re cash-strapped and every dollar counts.

Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™.

Who should apply for a grocery credit card?

As Americans spend more than $5,000 a year on grocery shopping, a credit card that rewards you for your supermarket purchases is a smart addition to just about anyone’s wallet.

The best cards, including the ones we highlighted in the article above, typically require that you have good or excellent credit in order to qualify.

Major card issuers, such as American Express, allow you to see if you prequalify online. To check your approval odds for one of these credit cards, apply for prequalification through the card issuer’s website where it’s easy, convenient and free to do so. It’s also important you check your credit score when you start searching for a new card.

How to buy groceries online with your credit card

Thanks to online grocery delivery services, you never have to leave your home to stock up on the basics. Plus, it's still possible to maximize your credit card rewards to pay for online grocery orders.

For example, cardholders with the Chase Sapphire Preferred card can earn 3X bonus points on all online grocery purchases. In addition to higher rewards rates, cardholders receive up to $15 in statement credits each quarter toward Instacart orders and six free months of Instacart+. This provides you with $0 delivery fees and reduced service fees on orders of $35 or more. Learn more at instacart.com/chase-sapphire.

For American Express cardholders who earn rewards for their grocery purchases, food delivery services like Instacart and FreshDirect fall under the “groceries” or “supermarkets” categories. Apply for one of the below Amex cards to earn rewards on your grocery deliveries:

  1. American Express® Gold Card: 4X Membership Rewards® points when you dine at restaurants and shop at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
  2. Amex EveryDay® Preferred Credit Card: 3X Membership Rewards® points when you shop at U.S. supermarkets (on up to $6,000 per calendar year in purchases, then 1X)
  3. Blue Cash Preferred® Card from American Express: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)

Does buying groceries with a credit card build credit?

Paying for everyday expenses like groceries with a credit card can help you build credit. However, in order to actually improve your credit score, you must remember to pay your bills on time and in full each month.

How can I save more on groceries?

Using a credit card for groceries instead of a debit card enables you to earn cash back or points at supermarkets and save money. Beyond that, you can save on groceries by joining a supermarket's loyalty program and clipping coupons for additional discounts. There are also some rebate apps, such as Ibotta and Rakuten, that give you cash back for buying groceries.

Our methodology

To determine which cards offer the best value for grocery shopping, CNBC Select analyzed 27 of the most popular credit cards offered by the biggest banks, financial companies and credit unions that allow anyone to join and offer bonus rewards at supermarkets. Bonus rewards means a cardholder earns 2% or 2 points per dollar in a given category. In this case, grocery stores.

We compared each card on a range of features, including cash-back rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit score and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

CNBC Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here.

Esri's data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

CNBC Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.

It's important to note the value of a point or mile varies from card to card and based on how you redeem them. When we calculated the estimated returns, we assumed that cardholders are redeeming points/miles for a typical maximum value of 1 cent per point or mile. (Extreme optimizers might be able to achieve more value.)

Our final picks are weighted heavily toward the highest five-year returns, since it's generally wise to hold onto a credit card for years. This method also avoids giving an unfair advantage to cards with large welcome bonuses.

Information about the Amex EveryDay® Preferred Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer prior to publication.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

For rates and fees of the American Express® Gold Card, please click here.

Information about the Amazon credit cards has been collected independently by Select and has not been reviewed or provided by the issuer prior to publication; if you purchase something through Select links, we may earn a commission.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Chime
Learn More
Terms Apply
Chime offers online-only accounts that minimize fees plus, get paid up to 2 days early with direct deposits
Find the right savings account for you
Learn More
Terms Apply
Help your money grow by finding the savings account that offers the best rates and features for you