Best credit cards for Groceries

Top pick: the American Express® Gold Card at about 8.0% back.

Best overall
8.0%
4x points

4x at U.S. supermarkets on up to $25,000 per calendar year, then 1x

Best with no annual fee
5.0%
5x points

this quarter's 5% category — activation required

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Why doesn't Walmart count as groceries?

Card networks label every store with a category code. Walmart, Target, Costco and Sam's Club are coded as superstores or warehouse clubs, not supermarkets, so most "grocery" bonuses skip them. That's why we rank Walmart & Target and wholesale clubs separately. Not sure about a store? Check what counts.

What does a “cap” mean?

Some bonuses only apply up to a spending limit — say 6% on the first $6,000 a year at U.S. supermarkets. Past the cap, the card earns its base rate (often 1%). Log your spend in your wallet and our answers switch to your next best card once a cap is used up.

What's a point worth?

Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.

All cards ranked for groceries

Value points as
  1. 1
    American Express® Gold Card
    $325/yr · 4x at U.S. supermarkets on up to $25,000 per calendar year, then 1x
    8.0%
    4x points
  2. 2
    American Express® Blue Cash Preferred® Card
    $95/yr · 6% at U.S. supermarkets on up to $6,000 per year, then 1%
    6.0%
    6% back
  3. 3
    Bilt Obsidian Card
    $95/yr · if you pick it as your bonus category · 3X on groceries up to $25,000 a year if you choose groceries instead of dining
    6.0%
    3x points
  4. 4
    Citi Strata Premier℠ Card
    $95/yr
    5.7%
    3x points
  5. 5
    Chase Freedom Flex®
    No annual fee · this quarter's 5% category — activation required
    5.0%
    5x points
  6. 6
    Wyndham Rewards Earner® Plus Card
    $75/yr
    4.4%
    4x points
  7. 7
    Bilt Palladium Card
    $495/yr · Base rate on everything
    4.0%
    2x points
  8. 8
    Capital One Venture Rewards Credit Card
    $95/yr · Base rate on everything
    3.7%
    2x points
  9. 9
    Capital One Venture X Rewards Credit Card
    $395/yr · Base rate on everything
    3.7%
    2x points
  10. 10
    Capital One SavorOne Cash Rewards Credit Card
    $39/yr
    3.0%
    3% back
Show all 87 cards
  1. 11
    Blue Cash Everyday® Card from American Express
    No annual fee · 3% on up to $6,000 per year, then 1%
    3.0%
    3% back
  2. 12
    Hilton Honors American Express Surpass® Card
    $150/yr
    3.0%
    6x points
  3. 13
    Navy Federal More Rewards American Express® Card
    No annual fee
    3.0%
    3x points
  4. 14
    Cashback Rewards Plus American Express® Card
    No annual fee
    3.0%
    3% back
  5. 15
    Citi Strata℠ Card
    No annual fee
    3.0%
    3x points
  6. 16
    Capital One Savor Cash Rewards Credit Card
    No annual fee
    3.0%
    3% back
  7. 17
    Robinhood Gold Card
    $50/yr · Base rate on everything
    3.0%
    3% back
  8. 18
    Capital One Savor Student Cash Rewards Credit Card
    No annual fee
    3.0%
    3% back
  9. 19
    Citi Strata Elite℠ Card
    $595/yr · Base rate on everything
    2.8%
    1.5x points
  10. 20
    Marriott Bonvoy Bountiful™ Card
    $250/yr · 4x on the first $15,000 combined per year at grocery stores and dining (incl. takeout & delivery)
    2.8%
    4x points
  11. 21
    Marriott Bonvoy Bevy™ American Express® Card
    $250/yr · 4x at restaurants worldwide and U.S. supermarkets on up to $15,000 combined per year
    2.8%
    4x points
  12. 22
    JetBlue Plus Card
    $99/yr
    2.6%
    2x points
  13. 23
    PenFed Platinum Rewards Visa Signature® Card
    No annual fee
    2.5%
    3x points
  14. 24
    Hilton Honors American Express Card
    No annual fee
    2.5%
    5x points
  15. 25
    IHG One Rewards Premier Credit Card
    $150/yr
    2.5%
    5x points
  16. 26
    Capital One VentureOne Rewards Credit Card
    No annual fee · Base rate on everything
    2.3%
    1.25x points
  17. 27
    Delta SkyMiles® Gold American Express Card
    $150/yr
    2.2%
    2x points
  18. 28
    Delta SkyMiles® Platinum American Express Card
    $350/yr
    2.2%
    2x points
  19. 29
    Marriott Bonvoy Boundless® Credit Card
    $95/yr · 3x on the first $6,000 combined per year at grocery stores, gas stations and dining
    2.1%
    3x points
  20. 30
    U.S. Bank Altitude® Go Visa Signature® Card
    No annual fee
    2.0%
    2x points
  21. 31
    SoFi Unlimited 2% Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  22. 32
    AT&T Points Plus® Card from Citi
    No annual fee
    2.0%
    2x points
  23. 33
    Apple Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  24. 34
    Citi Double Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  25. 35
    Wells Fargo Active Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  26. 36
    Bank of America® Customized Cash Rewards Credit Card
    No annual fee · 2% at grocery stores and wholesale clubs; $2,500 combined quarterly cap with your 3% category
    2.0%
    2% back
  27. 37
    Barclays View™ Mastercard®
    No annual fee
    2.0%
    2% back
  28. 38
    Bread Cashback® American Express® Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  29. 39
    U.S. Bank Cash+® Visa Signature® Card
    No annual fee · if you pick it as your bonus category · 2% on your chosen everyday category (grocery stores, restaurants, or gas & EV charging)
    2.0%
    2% back
  30. 40
    Chase Sapphire Reserve®
    $795/yr · Base rate on everything
    2.0%
    1x points
  31. 41
    American Express® Green Card
    $150/yr · Base rate on everything
    2.0%
    1x points
  32. 42
    Chase Sapphire Preferred® Card
    $95/yr · Base rate on everything
    2.0%
    1x points
  33. 43
    Bilt Blue Card
    No annual fee · Base rate on everything
    2.0%
    1x points
  34. 44
    The Platinum Card® from American Express
    $895/yr · Base rate on everything
    2.0%
    1x points
  35. 45
    World of Hyatt Credit Card
    $95/yr · Base rate on everything
    1.7%
    1x points
  36. 46
    Citi® / AAdvantage® Globe™ Mastercard®
    $350/yr · Base rate on everything
    1.6%
    1x points
  37. 47
    Citi® / AAdvantage® Executive World Elite Mastercard®
    $595/yr · Base rate on everything
    1.6%
    1x points
  38. 48
    Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
    $99/yr · Base rate on everything
    1.6%
    1x points
  39. 49
    Capital One Quicksilver Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  40. 50
    Bank of America® Premium Rewards® Elite Credit Card
    $550/yr · Base rate on everything
    1.5%
    1.5x points
  41. 51
    Bank of America® Travel Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  42. 52
    Bank of America® Premium Rewards® Credit Card
    $95/yr · Base rate on everything
    1.5%
    1.5x points
  43. 53
    Discover it® Miles
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  44. 54
    Hilton Honors American Express Aspire Card
    $550/yr · Base rate on everything
    1.5%
    3x points
  45. 55
    QuicksilverOne Rewards
    $39/yr · Base rate on everything
    1.5%
    1.5% back
  46. 56
    Chase Freedom Rise® Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  47. 57
    IHG One Rewards Premier Select Credit Card
    $350/yr · Base rate on everything
    1.5%
    3x points
  48. 58
    Chase Freedom Unlimited®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  49. 59
    Bank of America® Unlimited Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  50. 60
    OnePay CashRewards Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  51. 61
    Capital One Quicksilver Secured Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  52. 62
    IHG One Rewards Credit Card
    No annual fee
    1.5%
    3x points
  53. 63
    Atmos™ Rewards Ascent Visa Signature®
    $95/yr · Base rate on everything
    1.4%
    1x points
  54. 64
    Marriott Bonvoy Bold® Credit Card
    No annual fee
    1.4%
    2x points
  55. 65
    Marriott Bonvoy Brilliant® American Express® Card
    $650/yr · Base rate on everything
    1.4%
    2x points
  56. 66
    United℠ Explorer Card
    $150/yr · Base rate on everything
    1.4%
    1x points
  57. 67
    United Club℠ Card
    $695/yr · Base rate on everything
    1.4%
    1x points
  58. 68
    United Quest℠ Card
    $350/yr · Base rate on everything
    1.4%
    1x points
  59. 69
    United Gateway Card
    No annual fee · Base rate on everything
    1.4%
    1x points
  60. 70
    Southwest Rapid Rewards® Plus Credit Card
    $97/yr · Base rate on everything
    1.3%
    1x points
  61. 71
    Southwest Rapid Rewards® Premier Credit Card
    $99/yr · Base rate on everything
    1.3%
    1x points
  62. 72
    Southwest Rapid Rewards® Priority Card
    $229/yr · Base rate on everything
    1.3%
    1x points
  63. 73
    Delta SkyMiles® Blue American Express Card
    No annual fee · Base rate on everything
    1.1%
    1x points
  64. 74
    Delta SkyMiles® Reserve American Express Card
    $650/yr · Base rate on everything
    1.1%
    1x points
  65. 75
    Discover it® Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  66. 76
    Amazon Prime Visa
    No annual fee · Base rate on everything
    1.0%
    1% back
  67. 77
    Costco Anywhere Visa® Card by Citi
    No annual fee · Base rate on everything
    1.0%
    1% back
  68. 78
    Wells Fargo Autograph℠ Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  69. 79
    Navy Federal Flagship Premier Visa Signature
    $95/yr · Base rate on everything
    1.0%
    1x points
  70. 80
    Wells Fargo Autograph Journey℠ Card
    $95/yr · Base rate on everything
    1.0%
    1x points
  71. 81
    Discover it® Chrome Gas & Restaurants Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  72. 82
    Robinhood Platinum Card
    $695/yr · Base rate on everything
    1.0%
    1% back
  73. 83
    Discover it® Secured Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  74. 84
    Discover it® Student Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  75. 85
    Discover it® Student Chrome
    No annual fee · Base rate on everything
    1.0%
    1% back
  76. 86
    Wells Fargo Reflect® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards
  77. 87
    Citi Simplicity® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards

Popular groceries merchants

Common questions

What's the best credit card for groceries?

Right now the American Express® Gold Card earns the most on groceries: about 8.0% back. With no annual fee, the Chase Freedom Flex® earns about 5.0%.

What counts as groceries?

Supermarkets and grocery stores — Kroger, Safeway, Publix, Trader Joe's, Aldi, Whole Foods, H-E-B and similar.

What doesn't count as groceries?

Walmart, Target and other superstores, warehouse clubs (Costco, Sam's Club, BJ's) and most convenience or specialty stores don't count as groceries for most cards. Several cards cap grocery bonuses (e.g. up to $25,000 a year on the Amex Gold).

Rates are effective value per dollar (points × what a point is worth to you — see how we rank). PayWithThis is independent and not affiliated with any issuer. Verify current terms with the issuer before applying.