Best Credit Cards for Groceries (2026)

By Bryce Casson, Founder · Cardocrat · Updated June 2026

The short answer: Groceries are one of the biggest everyday spending categories, so a card that pays a high rate at supermarkets is one of the easiest ways to earn more. the American Express® Blue Cash Preferred leads our ranking.

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. 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)

4. Robinhood Gold Card 3x at U.S. supermarkets

The Robinhood Gold Card has a $50 annual fee, plus a welcome offer of 3% cash back on every purchase from day one.

5. Citi Strata Premier℠ 3x at U.S. supermarkets

The Citi Strata Premier℠ has a $95 annual fee, plus a welcome offer of 60,000 ThankYou® Points.

3x ThankYou® Points on hotels, air travel, restaurants, supermarkets, and gas/EV charging

Compare the top cards

Card	Rewards rate	Annual fee	Welcome offer
American Express® Blue Cash Preferred	6x at U.S. supermarkets	$95	$300 statement credit
Prime Visa	5x at U.S. supermarkets	No annual fee	$200 Amazon Gift Card upon approval
American Express® Gold	4x at U.S. supermarkets	$325	100,000 Membership Rewards® Points
Robinhood Gold Card	3x at U.S. supermarkets	$50	3% cash back on every purchase from day one
Citi Strata Premier℠	3x at U.S. supermarkets	$95	60,000 ThankYou® Points

Rewards rates and offers verified June 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator.

Frequently asked questions

What counts as a grocery store for credit card rewards?

Standalone supermarkets and grocery chains count. Warehouse clubs (Costco, Sam's Club) and superstores (Walmart, Target) usually do not, because they are coded as discount or wholesale stores rather than supermarkets.

Do grocery cards have a spending cap?

Most do. A common structure is a high rate (say 6 percent) on the first $6,000 of supermarket spending per year, then 1 percent after that. Heavy grocery spenders sometimes carry two cards to extend the cap.

Is a flat-rate card better for groceries?

Only if you also want one card for everything. A dedicated grocery card at 4x to 6x beats a flat 2 percent card on supermarket spending, but a flat card wins everywhere else.

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Bryce Casson, Founder of Cardocrat. Every card is ranked by what it actually returns, with all points valued at a flat 1 cent and offers verified against issuer sources. About the author.