Best Discover Cards for Groceries in 2026
Discover 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 $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Grocery Stores. Order can differ from that column because ranking adds the adjustments above.
Top Pick
Discover it® Miles
Discover
1.5x Cash Back Rewards on everything
1.5x × 1.0¢/pt = 1.5¢ per dollar
- +1.5x on everything — points worth 1.0¢ each
- +No annual fee
DISCOVER
1.5¢
per dollar on grocery stores
No annual fee
Runner-Up
NHL® Discover it® Credit Card
Discover
1% cash back on everything
- +1% cash back on everything
- +No annual fee
DISCOVER
1.0¢
per dollar on grocery stores
No annual fee
Also Great
Discover it Balance Transfer
Discover
1% cash back on everything
- +1% cash back on everything
- +No annual fee
DISCOVER
1.0¢
per dollar on grocery stores
No annual fee
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Applicable Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| Discover it® MilesDiscover | 1.5x Cash Back Rewards All Other | 1.5¢/$ | $0 | discover |
| NHL® Discover it® Credit CardDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it Balance TransferDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it Cash BackDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it® ChromeDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it® Secured Credit CardDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it Student Cash BackDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
| Discover it® Student ChromeDiscover | 1% cash back All Other | 1.0¢/$ | $0 | discover |
More Options
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Guides for this category
- 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.
- 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.
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