10 Best Credit Cards for Grocery Outlet of October 2026
Top picks for Grocery Outlet from our scoring engine.
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, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Grocery Outlet, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bilt Obsidian Card earns the top spot for Grocery Outlet purchases at 6.6¢ per dollar on grocery stores — a $95 annual fee. We ranked every card in our database against Grocery Outlet purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Bilt Obsidian Card
Cardless
- +3x on Supermarkets — points worth 2.2¢ 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)
American Express Gold Card
American Express
- +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.
SoFi Smart Card
SoFi
- +5% cash back on Supermarkets. Excludes Walmart, Target, Costco, Sams Club, Instacart, Wholesale Clubs, Grocery Delivery. Other superstores and warehouse clubs, convenience stores, grocery delivery services and meal-kit delivery services are also not grocery stores. Available only to individual SoFi Checking and Savings accountholders, subject to application, approval and funding; the balance must be paid in full each month and SoFi Member Rewards terms apply.
- +No annual fee
Why Bilt Obsidian Card wins for Grocery Outlet
Bilt Obsidian Card earns 6.6¢ per dollar on grocery stores when you shop at Grocery Outlet, the highest marginal rate in our list for this brand. At 6.6¢ per dollar, rewards cover the $95 fee after about $1,440 a year in Grocery Outlet spending. To come out ahead of SoFi Smart Card (5.0¢), you'd need about $5,940 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.6¢/$ | $95 | — | mastercard |
| American Express Gold CardAmerican Express | 4x Membership Rewards | 6.0¢/$ | $325 | — | amex |
| SoFi Smart CardSoFi | 5% cash back | 5.0¢/$ | $0 | — | mastercard |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.8¢/$ | $0 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | — | mastercard |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 4.0¢/$ | $95 | — | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | — | mastercard |
| Blue Cash Preferred Card from American ExpressAmerican Express | 6% cash back | 6.0¢/$ | $95 | — | amex |
| IHG One Rewards Premier Credit CardChase | 5x IHG One Rewards | 3.0¢/$ | $150 | — | mastercard |
More Options
How to maximize value at Grocery Outlet
- Use Bilt Obsidian Card for Grocery Outlet purchases — it earns 6.6¢ per dollar on grocery stores at Grocery Outlet in our scoring.
- Shopping portals sometimes offer extra rewards at Grocery Outlet; check current portal rates before you buy.
- Pair Bilt Obsidian Card with American Express Gold Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Plan a major Grocery Outlet purchase around your card's welcome offer window — Bilt Obsidian Card's sign-up bonus is worth roughly $200 on top of base rewards.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Frequently asked
- What credit card earns the most at Grocery Outlet?
- Bilt Obsidian Card ranks #1 for Grocery Outlet in our list at 6.6¢ per dollar on grocery stores (including Grocery Outlet) — $95 annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at Grocery Outlet?
- Shopping portals sometimes offer extra rewards at Grocery Outlet; check current portal rates before you buy.
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