Best American Express Cards for Groceries in 2026
American Express cards ranked by earn rate on groceries spending.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Grocery Stores, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Top Pick
American Express Gold Card
American Express
4x Membership Rewards on Supermarkets
4x × 1.5¢/pt = 6.0¢ per dollar
- +4x on Supermarkets — points worth 1.5¢ each
- +Annual fee $325. Other listed credits: $120 Dining Credit (up to $10/mo); $84 Dunkin' Credit (up to $7/mo); $100 Resy Credit (up to $50/6mo); $120 Uber Cash (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
AMEXCore Rate
6.0¢
per dollar on grocery stores
$325/yr
Runner-Up
Blue Cash Preferred Card from American Express
American Express
6% cash back on Supermarkets
- +6% cash back on Supermarkets
- +Annual fee $95. Other listed credits: Disney Bundle Credit (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +Amex Offers — not counted in estimated value or ranking; eligible use has not been established
AMEXCore Rate
6.0¢
per dollar on grocery stores
$95/yr (Y1 waived)
Welcome: $250 cash back
Also Great
Navy Federal More Rewards American Express®
Navy Federal
3x points on Supermarkets
- +3x on Supermarkets
- +20,000 points bonus (~$200 cash redemption value)
- +No annual fee
AMEXCore Rate
3.0¢
per dollar on grocery stores
No annual fee
Welcome: 20,000 points
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| American Express Gold CardAmerican Express | 4x Membership Rewards | 6.0¢/$ | $325 | amex |
| Blue Cash Preferred Card from American ExpressAmerican Express | 6% cash back | 6.0¢/$ | $95 | amex |
| Navy Federal More Rewards American Express®Navy Federal | 3x points | 3.0¢/$ | $0 | amex |
| Marriott Bonvoy Bevy American Express CardAmerican Express | 4x Marriott Bonvoy | 2.8¢/$ | $250 | amex |
| Hilton Honors American Express Surpass CardAmerican Express | 6x Hilton Honors | 2.4¢/$ | $150 | amex |
| Blue Cash Everyday Card from American ExpressAmerican Express | 3% cash back | 3.0¢/$ | $0 | amex |
| Rakuten American Express CardFirst Electronic Bank | 2% cash back | 2.0¢/$ | $0 | amex |
| Hilton Honors American Express CardAmerican Express | 5x Hilton Honors | 2.0¢/$ | $0 | amex |
| Delta SkyMiles Gold American Express CardAmerican Express | 2x SkyMiles | 2.0¢/$ | $150 | amex |
| Delta SkyMiles Platinum American Express CardAmerican Express | 2x SkyMiles | 2.0¢/$ | $350 | amex |
More Options
#4Marriott Bonvoy Bevy American Express Card$250/yr
2.8¢/$
#5Hilton Honors American Express Surpass Card$150/yr
2.4¢/$
#6Blue Cash Everyday Card from American ExpressNo fee
3.0¢/$
#7Rakuten American Express CardNo fee
2.0¢/$
#8Hilton Honors American Express CardNo fee
2.0¢/$
#9Delta SkyMiles Gold American Express Card$150/yr
2.0¢/$
#10Delta SkyMiles Platinum American Express Card$350/yr
2.0¢/$
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Guides for this category
- Card StrategyIs a credit card annual fee worth it? A realistic break-even methodAn annual fee is worth it when extra rewards and benefits you will use beat the fee versus your real alternative. A break-even method with worked examples.
- Cash BackFlat-rate cash back versus category bonuses: a household spending comparisonA 3%/1% card beats a flat 2% card only when half your spending lands in its categories. Three households, the break-even formula, and how caps change it.
- Cash BackGrocery card rewards: supermarkets, superstores, and warehouse exclusionsGrocery bonuses follow the merchant, not the food. How supermarket, superstore, warehouse, and online grocery rules change what your card actually earns.
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