Best Credit Cards for Groceries
Ranked by earn rate at U.S. supermarkets and grocery stores.
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
Bilt Obsidian Card
Cardless
3x Bilt Rewards on Supermarkets
3x × 2.0¢/pt = 6.0¢ per dollar
- +3x on Supermarkets — points worth 2.0¢ each. 3X applies only if grocery replaces the default dining as the elected 3X category (switch within 30 days of opening or each January); grocery 3X is limited to $25,000 a year.
- +Annual fee $95. Other listed credits: $100 of Bilt Travel Hotel credit (up to $100). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +$200 in rewards bonus (~$200 value)
MASTERCARDCore Rate
6.0¢
per dollar on grocery stores
$95/yr
Welcome: $200 in rewards
Runner-Up
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
Also Great
Citi Strata Credit Card
Citi
3x ThankYou Points on Supermarkets
3x × 1.7¢/pt = 5.1¢ per dollar
- +3x on Supermarkets — points worth 1.7¢ each
- +20,000 points bonus (~$340 value)
- +No annual fee
MASTERCARDCore Rate
5.1¢
per dollar on grocery stores
No annual fee
Welcome: 20,000 points
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.0¢/$ | $95 | mastercard |
| American Express Gold CardAmerican Express | 4x Membership Rewards | 6.0¢/$ | $325 | amex |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 5.1¢/$ | $0 | mastercard |
| SoFi Smart CardSoFi | 5% cash back | 5.0¢/$ | $0 | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 5.1¢/$ | $95 | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | visa |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 4.0¢/$ | $95 | mastercard |
| Blue Cash Preferred Card from American ExpressAmerican Express | 6% cash back | 6.0¢/$ | $95 | amex |
| Imagine Visa Credit CardWebBank | 3% cash back | 3.0¢/$ | $99 or $125 or $175/yr by version (set at approval) | visa |
| bp rewards Visa®FNBO | 3% cash back | 3.0¢/$ | $0 | visa |
More Options
#4SoFi Smart CardNo fee
5.0¢/$
#5Citi Strata Premier Card$95/yr
5.1¢/$
#6Verizon Visa CardNo fee
4.0¢/$
#7Choice Privileges Select Mastercard$95/yr
4.0¢/$
#8Blue Cash Preferred Card from American Express$95/yr
6.0¢/$
#9Imagine Visa Credit Card$99 or $125 or $175/yr by version (set at approval)
3.0¢/$
#10bp rewards Visa®No fee
3.0¢/$
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Guides for this category
- 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.
- 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.