YourBestCards

By

Independent · October 2026

Best Grocery Credit Cards
of October 2026

Compare the top credit cards for supermarket and grocery spending — including store-specific picks for Costco, Whole Foods, Aldi, Target, and more. Ranked by math — compensation never changes the order.

Updated: 10/7/2026, 4:36:07 AM
Cash back cards Gas cards
Top earn rate
6% back
Amex BCP at US supermarkets
No-fee options
3%–5%
Savor, Amazon Prime Visa
Break-even (6% card)
~$3,200
vs a 2% no-fee card
Avg household spends
$5,500/yr
On groceries — above break-even

Where Do You Shop?

The right card depends entirely on which stores you use. Select your primary retailer and we’ll show you the best card for that store — including the exclusions most sites don’t mention.

High earners (with annual fee)

The Amex Blue Cash Preferred pays 6% at US supermarkets on up to $6,000/year. At average household spend of $5,500/year you’d net ~$235 after the $95 fee. The Amex Gold earns 4× MR points at supermarkets up to $25,000/year — better if you redeem for travel.

Compare all cash back cards
No annual fee picks

Capital One Savor earns 3% at grocery stores, dining, and entertainment — no fee, no cap. Amazon Prime Visa earns 5% at Whole Foods and Amazon.com with no card fee (Prime required). Citi Strata earns 3× at supermarkets plus a self-select bonus category.

See grocery + gas combos Gas & EV charging card guide
Watch these gotchas
  • Warehouse clubs — Costco and Sam’s Club excluded from most supermarket rates
  • Superstores — Target and Walmart excluded from most grocery rates
  • Spend caps — 5–6% rates capped at $6,000–$25,000/yr then drop to 1%
  • Delivery apps — Instacart and DoorDash often don’t code as grocery
  • Rotating quarters — must activate each quarter or lose the bonus rate

How we score grocery cards →

Live Grocery Card Rankings

Ranked by grocery-specific score — not a blended category score. Cards that perform best for supermarket spend rank higher here.

Search for Amex, 6%, Whole Foods, $0 annual fee, or a store name. Rankings use the grocery-specific score — not a generic rewards score.
Loaded 10 cards
Prime Business Card

Prime Business Card

Best Grocery Card
U.S. BankMastercard
Grocery score83
Annual fee$0
  • 5% back at Amazon.com, Amazon Business, AWS, and Whole Foods Market on up to $150,000 in Net Purchases per calendar year, thereafter earn 1%
  • 2% back automatically on your top 3 categories outside of Amazon (on up to $150,000 in Net Purchases per calendar year), thereafter earn 1%
  • 5% back at Amazon.com or Amazon Business, plus an additional 1% back on eligible purchases when you choose Amazon Day Delivery, bringing the total rewards to 6% back
  • unlimited 1% back on all other eligible purchases
  • 5% travel in U.S. Bank Travel Center
Blue Cash Preferred® Card

Blue Cash Preferred® Card

American Express
Grocery score76
Annual fee$95
  • 6% back at U.S. supermarkets on up to $6,000/year, then 1%
  • 6% on select streaming
  • 3% on transit and U.S. gas stations
  • 1% other purchases
Bilt Obsidian Card

Bilt Obsidian Card

CardlessMastercard
Grocery score74
Annual fee$95
Choose 3X on dining OR grocery (grocery capped at $25K/year) + 2X travel + 1X everyday spend + 4% Bilt Cash on everyday spend (excluding housing) and up to 1X points on housing or up to 1.25X points on housing.
Citi Strata℠ Card

Citi Strata℠ Card

CitiMastercard
Grocery score68
Annual fee$0
  • 5x points per dollar on hotels, car rentals, and attractions booked on cititravel.com
  • 3x points per dollar spent at supermarkets
  • 3x points per dollar spent on select transit and at gas & EV charging stations
  • 3x points per dollar spent on an eligible self-select category of your choice
  • 2x points per dollar spent at restaurants
  • 1x point per dollar spent on all other purchases
Verizon Visa® Card

Verizon Visa® Card

Synchrony Bank
Grocery score67
Annual fee$0
4% in rewards on dining, gas and grocery store purchases
Citi Strata Premier® Card

Citi Strata Premier® Card

CitiMastercard
Grocery score66
Annual fee$95
  • 10x points per $1 spent on hotels, car rentals and attractions booked at cititravel.com
  • 3x points on air travel and other hotel purchases
  • 3x points at supermarkets, restaurants, gas & EV charging stations
  • 1x point on all other purchases
Chase Sapphire Preferred® Credit Card

Chase Sapphire Preferred® Credit Card

ChaseVisa
Grocery score61
Annual fee$95
  • 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit
  • 2X on other travel purchases
  • 3X points on dining, including eligible delivery services, takeout and dining out
  • 3X points on online grocery purchases (excluding Target,* Walmart and wholesale clubs)
  • 3X points on select streaming services
  • 1 point per dollar spent on all other purchases
Wyndham Rewards Earner® Premier Card

Wyndham Rewards Earner® Premier Card

BarclaysMastercard
Grocery score60
Annual fee$395
  • 8X on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles
  • 4X on eligible Vacation Club, travel, dining and grocery store purchases (excluding Target® and Walmart®)
  • 1X points on other purchases
American Express® Gold Card

American Express® Gold Card

American Express
Grocery score58
Annual fee$325
  • 4X Membership Rewards points at U.S. supermarkets (up to $25,000/year)
  • 4X at restaurants (up to $50,000/year)
  • 3X on flights through American ExpressTravel
  • 2X on prepaid hotels through American ExpressTravel
  • 1X on other purchases
Wyndham Rewards Earner® Plus Card

Wyndham Rewards Earner® Plus Card

BarclaysMastercard
Grocery score53
Annual fee$95
  • 6x points on Hotels by Wyndham
  • 4x points on eligible Vacation Club, travel, dining and grocery store purchases (excluding Target® and Walmart®)
  • 1x point on other purchases
★ Free wallet optimizer
Is your grocery card pulling its weight
across your full wallet?

The best grocery card rarely wins every category. Enter your monthly spending to find the exact 1–3 card combo that maximizes total annual rewards — net of fees. No sign-up. Ranked by math.

7spend categories
190+live cards compared
after feesall estimates net of fee
Build my full wallet → No sign-up required

Premium Grocery Cards Ranked by Value vs. Fee

Cards with an annual fee of $350 or more (and cards sold as premium from $250), ranked among themselves by estimated yearly value after the fee: rewards on a $2,000/month spending profile plus the credits a typical cardholder uses, minus the annual fee. They also appear in the main ranking above wherever their net value earns a place.

#CardAnnual feeUsable credits*Rewards*Value after feeValue per $1 of fee
1American Express® Gold CardAmerican Express$325$172$882+$729$3.24
2Wyndham Rewards Earner® Premier CardBarclays$395$401$610+$616$2.56
3Hilton Honors American Express Aspire CardAmerican Express$550$545$597+$592$2.08
4JetBlue Premier CardBarclays$499$329$705+$535$2.07
5Delta SkyMiles® Platinum American Express CardAmerican Express$350$311$495+$456$2.30
6Citizens Summit Reserve® World Elite Mastercard®Citizens$295$192$540+$437$2.48
7Marriott Bonvoy Bountiful® Credit CardChase$250$45$523+$318$2.27
8Marriott Bonvoy Bevy® American Express® CardAmerican Express$250$0$526+$276$2.10

* Yearly estimates. Rewards: a $2,000/month spending profile at our point values. Usable credits: our estimate of the credits a typical cardholder uses (capped and discounted, not the issuer’s headline total). Value after fee = rewards + usable credits − annual fee. Ranked by math; compensation never changes the order.

Grocery Credit Card FAQ

What’s the highest cash back rate at grocery stores?

The Amex Blue Cash Preferred earns 6% at US supermarkets on up to $6,000/year, then 1%. With a $95 annual fee it pays for itself at roughly $3,200/year vs a 2% card. At the average household’s $5,500/year the net annual return after the fee is around $235. Full grocery card comparison →

What’s the best card for Costco?

Costco only accepts Visa and is excluded from the supermarket category on most grocery cards. The Costco Anywhere Visa by Citi earns 2% on Costco purchases. Among general Visa cards, BoA Customized Cash Rewards earns 2% at “grocery stores and wholesale clubs” — one of few cards that explicitly includes warehouse clubs. Full Costco card guide →

What’s the best card for Whole Foods?

The Amazon Prime Visa earns 5% at Whole Foods in-store and online with no annual card fee, as long as you have an active Prime membership. If you don’t have Prime, the Amex Blue Cash Preferred earns 6% at US supermarkets including Whole Foods, with a $95 annual fee.

Does Walmart count as a grocery store?

No. Walmart is excluded from the grocery or supermarket bonus category on virtually every major card. The Capital One Walmart Rewards Card earns 5% on Walmart.com and 2% in-store. Among general cards, a flat 2% card like Wells Fargo Active Cash is the best option for Walmart grocery purchases.

Amex BCP vs Capital One Savor — which wins for groceries?

At exactly $3,200/year in grocery spend they break even. Above that the BCP’s 6% beats the Savor’s 3% after the $95 fee. Below $3,200/year, the Savor wins. The Savor also earns 3% on dining and entertainment with no cap — better if you want one multi-category card.

Can I earn grocery rewards through Instacart or delivery apps?

It depends on how the transaction codes. Orders through a grocery store’s own app often code as grocery. Third-party apps like Instacart or DoorDash typically code as their own merchant category. The HSBC Premier includes $140/year in Instacart+ credits — more valuable than any earn rate for frequent Instacart users.

Is a grocery card worth an annual fee?

For most households, yes. A $95 fee on a 6% card breaks even at about $3,200/year vs a 2% no-fee card. The average US household spends roughly $5,500/year on groceries — well above break-even. Use the wallet calculator to run your specific numbers. The cash back you earn is not taxable income — see are credit card rewards taxable.

Should I use the same card for groceries and gas?

Not necessarily. The Amex BCP earns 3% at US gas stations — solid but not best-in-class. Many optimizers carry a high grocery card plus a separate gas card. Use the gas card rankings or the gas card deep-dive to find the best pairing. If you drive an EV, see the gas & EV charging card guide — EV charging coverage varies significantly by card.

What’s the best card for Aldi or Trader Joe’s?

Both Aldi and Trader Joe’s code as US supermarkets on nearly every major card, so standard grocery bonuses apply. The Amex Blue Cash Preferred’s 6% leads, with the no-fee Capital One Savor (3%) close behind. Neither chain has a store card or online ordering, so there’s no retail-card angle — just use your highest supermarket earner. (Aldi accepts all major cards now; a few issuers may still code it as a discount store, so confirm the bonus posts.)

Are store credit cards worth it for groceries?

Sometimes. Retail cards like the Target RedCard (5% off), Sam’s Club Mastercard (3–5% for members), and the Kroger Rewards World Elite Mastercard (2% at Kroger family stores plus fuel points) beat general cards at their own store — especially where the store is excluded from supermarket bonuses, like Target, Walmart, and warehouse clubs. At traditional supermarkets a 6% card such as the Amex BCP usually still wins. Store cards are typically fee-free but only useful at that one retailer.

Related Guides
Best Grocery Credit Card — Ranked by Spend Level → Best Credit Card for Costco Members → Best Gas Credit Card — Including Gas + Grocery Combo Cards → Best Gas & EV Charging Card — gas & grocery are often paired → Best Cash Back Card for Everyday Spending → Credit Card Points vs. Cash Back — Which Is Worth More? → Are Credit Card Rewards Taxable? — grocery cash back tax rules → Best Credit Card Signup Bonuses this Month → Can Freelancers Get Business Credit Cards? — deduct grocery as supply expense → Best Dining Credit Cards — Amex Gold earns 4x at restaurants ↗