Best Credit Cards for Groceries (2026)
Groceries are where a strong bonus category pays off fastest, because almost everyone spends there every week. The best grocery cards earn 3x to 6x at U.S. supermarkets, often with no annual fee.
A few things to watch: most cards cap the bonus rate (commonly the first $6,000 per year), and warehouse clubs like Costco and superstores like Walmart and Target usually do not count as supermarkets. We rank by the supermarket rate and value every point at a flat 1 cent.
Our top picks
1. American Express® Blue Cash Preferred 6x at U.S. supermarkets
The American Express® Blue Cash Preferred has a $95 annual fee, plus a welcome offer of $300 statement credit.
- 6% cash back at U.S. supermarkets (up to $6k/yr, then 1%)
2. Prime Visa 5x at U.S. supermarkets
The Prime Visa has no annual fee, plus a welcome offer of $200 Amazon Gift Card upon approval.
- 5% back at Amazon, Amazon Fresh, and Whole Foods Market (Prime membership required)
3. AAA Daily Advantage Visa Signature® 5x at U.S. supermarkets
The AAA Daily Advantage Visa Signature® has no annual fee, plus a welcome offer of $100 statement credit.
- 5% cash back at grocery stores
- 3% cash back on gas, EV charging, wholesale clubs, streaming, pharmacies, and AAA purchases
- Combined $500 annual cash-back cap on the grocery, wholesale, and gas categories, then 1%
4. Verizon Visa® Card 4x at U.S. supermarkets
The Verizon Visa® Card has no annual fee, plus a welcome offer of Up to $200 in statement credits.
- 4% back in Verizon Dollars on groceries, gas, EV charging, and dining
5. American Express® Gold 4x at U.S. supermarkets
The American Express® Gold has a $325 annual fee, plus a welcome offer of 100,000 Membership Rewards® Points.
- 4x points at U.S. supermarkets (up to $25k/yr)
6. Robinhood Gold Card 3x at U.S. supermarkets
The Robinhood Gold Card has a $50 annual fee.
7. Shell Performance Elite World Mastercard® 3x at U.S. supermarkets
The Shell Performance Elite World Mastercard® has no annual fee, plus a welcome offer of $50 statement credit.
- 3% back on dining and groceries
8. Citizens Summit Reserve® World Elite Mastercard® 3x at U.S. supermarkets
The Citizens Summit Reserve® World Elite Mastercard® has a $295 annual fee.
- 3% cash back on dining, groceries, entertainment, and streaming
Compare the top cards
| Card | Rewards rate | Annual fee | Welcome offer | Details |
|---|---|---|---|---|
| American Express® Blue Cash Preferred | 6x at U.S. supermarkets | $95 | $300 statement credit | Review |
| Prime Visa | 5x at U.S. supermarkets | No annual fee | $200 Amazon Gift Card upon approval | Review |
| AAA Daily Advantage Visa Signature® | 5x at U.S. supermarkets | No annual fee | $100 statement credit | Review |
| Verizon Visa® Card | 4x at U.S. supermarkets | No annual fee | Up to $200 in statement credits | Review |
| American Express® Gold | 4x at U.S. supermarkets | $325 | 100,000 Membership Rewards® Points | Review |
| Robinhood Gold Card | 3x at U.S. supermarkets | $50 | No current offer | Review |
| Shell Performance Elite World Mastercard® | 3x at U.S. supermarkets | No annual fee | $50 statement credit | Review |
| Citizens Summit Reserve® World Elite Mastercard® | 3x at U.S. supermarkets | $295 | No current offer | Review |
Rewards rates and offers verified July 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator, and check the best current welcome offers for cards running an elevated bonus right now.
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