10 Best Credit Cards for IGA of October 2026
Top picks for IGA 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 IGA, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bilt Obsidian Card earns the top spot for IGA purchases at 6.0¢ per dollar on grocery stores — a $95 annual fee. We ranked every card in our database against IGA 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 2.0¢ 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.
- +$200 in rewards bonus (~$200 value)
- +Est. $20/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
American Express Gold Card
American Express
- +4x on Supermarkets — points worth 1.5¢ each
- +Est. $212/yr in usable credits offset part of the $325 fee — actual value depends on use and eligibility
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 IGA
Bilt Obsidian Card earns 6.0¢ per dollar on grocery stores when you shop at IGA, the highest marginal rate in our list for this brand. At 6.0¢ per dollar, rewards cover the $95 fee after about $1,580 a year in IGA spending. To come out ahead of SoFi Smart Card (5.0¢), you'd need about $9,500 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.0¢/$ | $95 | $20 | mastercard |
| American Express Gold CardAmerican Express | 4x Membership Rewards | 6.0¢/$ | $325 | $212 | amex |
| SoFi Smart CardSoFi | 5% cash back | 5.0¢/$ | $0 | — | mastercard |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.8¢/$ | $0 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | $50 | mastercard |
| The Key Rewards VisaCapital One | 4% in Williams Sonoma family of brands reward certificate value | 4.0¢/$ | $0 | — | visa |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 4.0¢/$ | $95 | $15 | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.0¢/$ | $495 | $200 | mastercard |
| Blue Cash Preferred Card from American ExpressAmerican Express | 6% cash back | 6.0¢/$ | $95 | $24 | amex |
More Options
How to maximize value at IGA
- Use Bilt Obsidian Card for IGA purchases — it earns 6.0¢ per dollar on grocery stores at IGA in our scoring.
- Shopping portals sometimes offer extra rewards at IGA; 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 IGA 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 IGA?
- Bilt Obsidian Card ranks #1 for IGA in our list at 6.0¢ per dollar on grocery stores (including IGA) — $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 IGA?
- Shopping portals sometimes offer extra rewards at IGA; check current portal rates before you buy.
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