Best credit card for Kroger

The American Express® Gold Card earns the most at Kroger: about 8.0% back.

Best overall
8.0%
4x points

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

Best with no annual fee
5.0%
5x points

counts as Groceries · this quarter's 5% category — activation required

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Every card ranked at Kroger

Value points as
  1. 1
    American Express® Gold Card
    $325/yr · counts as Groceries · 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 · counts as Groceries · 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 · counts as Groceries · 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 · counts as Groceries
    5.7%
    3x points
  5. 5
    Chase Freedom Flex®
    No annual fee · counts as Groceries · this quarter's 5% category — activation required
    5.0%
    5x points
  6. 6
    Wyndham Rewards Earner® Plus Card
    $75/yr · counts as Groceries
    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
    Citi® / AAdvantage® MileUp® Card
    No annual fee · counts as Groceries · Includes grocery delivery services
    3.1%
    2x points
Show all 97 cards
  1. 11
    Capital One SavorOne Cash Rewards Credit Card
    $39/yr · counts as Groceries
    3.0%
    3% back
  2. 12
    Blue Cash Everyday® Card from American Express
    No annual fee · counts as Groceries · 3% on up to $6,000 per year, then 1%
    3.0%
    3% back
  3. 13
    Hilton Honors American Express Surpass® Card
    $150/yr · counts as Groceries
    3.0%
    6x points
  4. 14
    Navy Federal More Rewards American Express® Card
    No annual fee · counts as Groceries
    3.0%
    3x points
  5. 15
    Cashback Rewards Plus American Express® Card
    No annual fee · counts as Groceries
    3.0%
    3% back
  6. 16
    Citi Strata℠ Card
    No annual fee · counts as Groceries
    3.0%
    3x points
  7. 17
    Capital One Savor Cash Rewards Credit Card
    No annual fee · counts as Groceries
    3.0%
    3% back
  8. 18
    Robinhood Gold Card
    $50/yr · Base rate on everything
    3.0%
    3% back
  9. 19
    Capital One Savor Student Cash Rewards Credit Card
    No annual fee · counts as Groceries
    3.0%
    3% back
  10. 20
    The One Key® Card
    No annual fee · counts as Groceries
    3.0%
    3x points
  11. 21
    Choice Privileges® Select Mastercard®
    $95/yr · counts as Groceries
    3.0%
    5x points
  12. 22
    Citi Strata Elite℠ Card
    $595/yr · Base rate on everything
    2.8%
    1.5x points
  13. 23
    Marriott Bonvoy Bountiful™ Card
    $250/yr · counts as Groceries · 4x on the first $15,000 combined per year at grocery stores and dining (incl. takeout & delivery)
    2.8%
    4x points
  14. 24
    Marriott Bonvoy Bevy™ American Express® Card
    $250/yr · counts as Groceries · 4x at restaurants worldwide and U.S. supermarkets on up to $15,000 combined per year
    2.8%
    4x points
  15. 25
    JetBlue Plus Card
    $99/yr · counts as Groceries
    2.6%
    2x points
  16. 26
    PenFed Platinum Rewards Visa Signature® Card
    No annual fee · counts as Groceries
    2.5%
    3x points
  17. 27
    Hilton Honors American Express Card
    No annual fee · counts as Groceries
    2.5%
    5x points
  18. 28
    IHG One Rewards Premier Credit Card
    $150/yr · counts as Groceries
    2.5%
    5x points
  19. 29
    Capital One VentureOne Rewards Credit Card
    No annual fee · Base rate on everything
    2.3%
    1.25x points
  20. 30
    Delta SkyMiles® Gold American Express Card
    $150/yr · counts as Groceries
    2.2%
    2x points
  21. 31
    Delta SkyMiles® Platinum American Express Card
    $350/yr · counts as Groceries
    2.2%
    2x points
  22. 32
    Marriott Bonvoy Boundless® Credit Card
    $95/yr · counts as Groceries · 3x on the first $6,000 combined per year at grocery stores, gas stations and dining
    2.1%
    3x points
  23. 33
    U.S. Bank Altitude® Go Visa Signature® Card
    No annual fee · counts as Groceries
    2.0%
    2x points
  24. 34
    SoFi Unlimited 2% Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  25. 35
    AT&T Points Plus® Card from Citi
    No annual fee · counts as Groceries
    2.0%
    2x points
  26. 36
    Apple Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  27. 37
    Citi Double Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  28. 38
    Wells Fargo Active Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  29. 39
    Bank of America® Customized Cash Rewards Credit Card
    No annual fee · counts as Groceries · 2% at grocery stores and wholesale clubs; $2,500 combined quarterly cap with your 3% category
    2.0%
    2% back
  30. 40
    Barclays View™ Mastercard®
    No annual fee · counts as Groceries
    2.0%
    2% back
  31. 41
    Bread Cashback® American Express® Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  32. 42
    U.S. Bank Cash+® Visa Signature® Card
    No annual fee · counts as Groceries · 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
  33. 43
    Disney® Inspire Visa® Card
    $149/yr · counts as Groceries
    2.0%
    2x points
  34. 44
    Disney® Premier Visa® Card
    $49/yr · counts as Groceries
    2.0%
    2x points
  35. 45
    T-Mobile Visa®
    No annual fee · Base rate on everything
    2.0%
    2x points
  36. 46
    Chase Sapphire Reserve®
    $795/yr · Base rate on everything
    2.0%
    1x points
  37. 47
    American Express® Green Card
    $150/yr · Base rate on everything
    2.0%
    1x points
  38. 48
    Chase Sapphire Preferred® Card
    $95/yr · Base rate on everything
    2.0%
    1x points
  39. 49
    Bilt Blue Card
    No annual fee · Base rate on everything
    2.0%
    1x points
  40. 50
    The Platinum Card® from American Express
    $895/yr · Base rate on everything
    2.0%
    1x points
  41. 51
    World of Hyatt Credit Card
    $95/yr · Base rate on everything
    1.7%
    1x points
  42. 52
    Citi® / AAdvantage® Globe™ Mastercard®
    $350/yr · Base rate on everything
    1.6%
    1x points
  43. 53
    Citi® / AAdvantage® Executive World Elite Mastercard®
    $595/yr · Base rate on everything
    1.6%
    1x points
  44. 54
    Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
    $99/yr · Base rate on everything
    1.6%
    1x points
  45. 55
    Capital One Quicksilver Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  46. 56
    Bank of America® Premium Rewards® Elite Credit Card
    $550/yr · Base rate on everything
    1.5%
    1.5x points
  47. 57
    Bank of America® Travel Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  48. 58
    Bank of America® Premium Rewards® Credit Card
    $95/yr · Base rate on everything
    1.5%
    1.5x points
  49. 59
    Discover it® Miles
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  50. 60
    Hilton Honors American Express Aspire Card
    $550/yr · Base rate on everything
    1.5%
    3x points
  51. 61
    QuicksilverOne Rewards
    $39/yr · Base rate on everything
    1.5%
    1.5% back
  52. 62
    Chase Freedom Rise® Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  53. 63
    IHG One Rewards Premier Select Credit Card
    $350/yr · Base rate on everything
    1.5%
    3x points
  54. 64
    Chase Freedom Unlimited®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  55. 65
    Bank of America® Unlimited Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  56. 66
    OnePay CashRewards Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  57. 67
    Capital One Quicksilver Secured Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  58. 68
    IHG One Rewards Credit Card
    No annual fee · counts as Groceries
    1.5%
    3x points
  59. 69
    REI Co-op® Mastercard®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  60. 70
    Bread Rewards® American Express® Credit Card
    No annual fee · counts as Groceries · Excludes wholesale clubs (per Amex network page)
    1.5%
    3x points
  61. 71
    Atmos™ Rewards Ascent Visa Signature®
    $95/yr · Base rate on everything
    1.4%
    1x points
  62. 72
    Marriott Bonvoy Bold® Credit Card
    No annual fee · counts as Groceries
    1.4%
    2x points
  63. 73
    Marriott Bonvoy Brilliant® American Express® Card
    $650/yr · Base rate on everything
    1.4%
    2x points
  64. 74
    United℠ Explorer Card
    $150/yr · Base rate on everything
    1.4%
    1x points
  65. 75
    United Club℠ Card
    $695/yr · Base rate on everything
    1.4%
    1x points
  66. 76
    United Quest℠ Card
    $350/yr · Base rate on everything
    1.4%
    1x points
  67. 77
    United Gateway Card
    No annual fee · Base rate on everything
    1.4%
    1x points
  68. 78
    Southwest Rapid Rewards® Plus Credit Card
    $97/yr · Base rate on everything
    1.3%
    1x points
  69. 79
    Southwest Rapid Rewards® Premier Credit Card
    $99/yr · Base rate on everything
    1.3%
    1x points
  70. 80
    Southwest Rapid Rewards® Priority Card
    $229/yr · Base rate on everything
    1.3%
    1x points
  71. 81
    Delta SkyMiles® Blue American Express Card
    No annual fee · Base rate on everything
    1.1%
    1x points
  72. 82
    Delta SkyMiles® Reserve American Express Card
    $650/yr · Base rate on everything
    1.1%
    1x points
  73. 83
    Discover it® Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  74. 84
    Amazon Prime Visa
    No annual fee · Base rate on everything
    1.0%
    1% back
  75. 85
    Costco Anywhere Visa® Card by Citi
    No annual fee · Base rate on everything
    1.0%
    1% back
  76. 86
    Wells Fargo Autograph℠ Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  77. 87
    Navy Federal Flagship Premier Visa Signature
    $95/yr · Base rate on everything
    1.0%
    1x points
  78. 88
    Wells Fargo Autograph Journey℠ Card
    $95/yr · Base rate on everything
    1.0%
    1x points
  79. 89
    Discover it® Chrome Gas & Restaurants Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  80. 90
    Robinhood Platinum Card
    $695/yr · Base rate on everything
    1.0%
    1% back
  81. 91
    Discover it® Secured Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  82. 92
    Discover it® Student Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  83. 93
    Discover it® Student Chrome
    No annual fee · Base rate on everything
    1.0%
    1% back
  84. 94
    L.L.Bean® Mastercard®
    No annual fee · Base rate on everything
    1.0%
    1x points
  85. 95
    Disney® Visa® Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  86. 96
    Wells Fargo Reflect® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards
  87. 97
    Citi Simplicity® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards

Rates are effective value per dollar (points × what a point is worth to you). Rankings reflect PayWithThis’s own methodology; we’re independent and not paid by issuers. Verify current terms with the issuer.

Common questions

What's the best credit card to use at Kroger?

The American Express® Gold Card earns the most at Kroger: about 8.0% back. The best card with no annual fee is the Chase Freedom Flex® at 5.0%.

What do purchases at Kroger count as for credit card rewards?

Purchases at Kroger usually code as Groceries. Supermarkets and grocery stores — Kroger, Safeway, Publix, Trader Joe's, Aldi, Whole Foods, H-E-B and similar.

Which of my cards should I use at Kroger?

Add the cards you carry on PayWithThis — it takes about 30 seconds, with no account or bank login — and every page, including this one, will show which of your own cards earns the most at Kroger.

Never miss a 5% quarter

One email when rotating categories change — which cards pay 5% where, and when to activate.