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 a $139 annual fee, plus a welcome offer of $150 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. Amazon Store Card 5x at U.S. supermarkets
The Amazon Store Card has a $139 annual fee, plus a welcome offer of Amazon Gift Card upon approval (amount shown when you sign in).
- 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership
- Usable only at Amazon.com and Whole Foods Market
5. Verizon Visa® Card 4x at U.S. supermarkets
The Verizon Visa® Card has no annual fee, plus a welcome offer of $150 statement credit.
- 4% back in Verizon Dollars on groceries, gas, EV charging, and dining
6. Brooks Brothers World Mastercard® 4x at U.S. supermarkets
The Brooks Brothers World Mastercard® has no annual fee, plus a welcome offer of $50 Reward plus 20% off your first online purchase.
- 4 points per $1 on restaurants, groceries, and gas
7. American Express® Gold 4x at U.S. supermarkets
The American Express® Gold has a $325 annual fee, plus a welcome offer of As high as 100,000 Membership Rewards® Points.
- 4x points at U.S. supermarkets (up to $25k/yr)
8. The Key Rewards® Visa (Williams Sonoma, Pottery Barn, West Elm) 4x at U.S. supermarkets
The The Key Rewards® Visa (Williams Sonoma, Pottery Barn, West Elm) has no annual fee, plus a welcome offer of 10% back at Williams-Sonoma brands for your first 30 days.
- 4% back at grocery stores, restaurants, and food delivery
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 | $139 | $150 Amazon Gift Card upon approval | Review |
| AAA Daily Advantage Visa Signature® | 5x at U.S. supermarkets | No annual fee | $100 statement credit | Review |
| Amazon Store Card | 5x at U.S. supermarkets | $139 | Amazon Gift Card upon approval (amount shown when you sign in) | Review |
| Verizon Visa® Card | 4x at U.S. supermarkets | No annual fee | $150 statement credit | Review |
| Brooks Brothers World Mastercard® | 4x at U.S. supermarkets | No annual fee | $50 Reward plus 20% off your first online purchase | Review |
| American Express® Gold | 4x at U.S. supermarkets | $325 | As high as 100,000 Membership Rewards® Points | Review |
| The Key Rewards® Visa (Williams Sonoma, Pottery Barn, West Elm) | 4x at U.S. supermarkets | No annual fee | 10% back at Williams-Sonoma brands for your first 30 days | Review |
Rewards rates and offers verified November 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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