10 Best Credit Cards for Save-A-Lot of October 2026
Top picks for Save-A-Lot 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 Save-A-Lot, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bilt Obsidian Card earns the top spot for Save-A-Lot purchases at 6.6¢ per dollar on grocery stores — a $95 annual fee. We ranked every card in our database against Save-A-Lot 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.
- +$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 Save-A-Lot
Bilt Obsidian Card earns 6.6¢ per dollar on grocery stores when you shop at Save-A-Lot, 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 Save-A-Lot 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 | $20 | mastercard |
| American Express Gold CardAmerican Express | 4x Membership Rewards | 6.0¢/$ | $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 | $50 | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $200 | mastercard |
| The Key Rewards VisaCapital One | 4% in Williams Sonoma family of brands reward certificate value | 4.0¢/$ | $0 | — | visa |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 4.0¢/$ | $95 | $15 | mastercard |
| Blue Cash Preferred Card from American ExpressAmerican Express | 6% cash back | 6.0¢/$ | $95 | $24 | amex |
More Options
How to maximize value at Save-A-Lot
- Use Bilt Obsidian Card for Save-A-Lot purchases — it earns 6.6¢ per dollar on grocery stores at Save-A-Lot in our scoring.
- Shopping portals sometimes offer extra rewards at Save-A-Lot; 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 Save-A-Lot 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 Save-A-Lot?
- Bilt Obsidian Card ranks #1 for Save-A-Lot in our list at 6.6¢ per dollar on grocery stores (including Save-A-Lot) — $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 Save-A-Lot?
- Shopping portals sometimes offer extra rewards at Save-A-Lot; check current portal rates before you buy.
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