Compare card earning rates, fees and benefit qualifications.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.
180 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not grocery stores?
American Express
Why this card
Annual fee $95. Other listed credits: Disney Bundle Credit (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.
Your spend ($6,000) is 100% of the $6,000 annual cap
Bonus rate on first $6,000/annual, then base rate
Cardless
Why this card
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.
Bonus rate on first $25,000/annual, then base rate
American Express
Why this card
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.
Bonus rate on first $25,000/annual, then base rate
SoFi
Why this card
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 this card
No annual fee
Synchrony
Why this card
No annual fee
Why this card
Annual fee $95. Other listed credits: Annual Hotel Savings Benefit (up to $100/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
Your spend ($6,000) is 75% of the $8,000 annual cap
Bonus rate on first $2,000/quarterly, then base rate
Wells Fargo
Why this card
Annual fee $95. Other listed credits: Global Entry or TSA PreCheck Credit (up to $120/4yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Cardless
Why this card
Annual fee $495. Other listed credits: $400 Bilt Travel Hotel credit (up to $400). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
Annual fee $150. Other listed credits: $100 Airline Statement Credit (up to $100/yr; requires $250 eligible spend within 12 months); Up to $100 Annual IHG Food and Beverage Rewards (up to $25/qtr); Global Entry, TSA PreCheck or NEXUS Statement Credit (up to $120/4yr); Up to $50 United TravelBank Cash Each Year (up to $25/6mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
WebBank
Why this card
Annual fee $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval; net est. $81 ($400 initial limit (first year)) or $55 ($500 initial limit (first year)) or $5 ($700 or $1,000 initial limit (first year)). Ranked assuming the $175 $700 or $1,000 initial limit (first year) fee; your fee depends on the version you are approved for.
net est. $81 ($400 initial limit (first year)) or $55 ($500 initial limit (first year)) or $5 ($700 or $1,000 initial limit (first year))
Barclays
Why this card
Annual fee $95. Other listed credits: $50 Meal Delivery Credit (up to $25/6mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
FNBO
Why this card
No annual fee
Capital One
Why this card
No annual fee
Navy Federal
Why this card
No annual fee
TD Bank
Why this card
No annual fee
Capital One
Why this card
Annual fee $95. Other listed credits: Global Entry or TSA PreCheck Credit (up to $120/4yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
No annual fee
American Express
Why this card
No annual fee. Other listed credits: $84 Disney Streaming Credit (up to $7/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Your spend ($6,000) is 100% of the $6,000 annual cap
Bonus rate on first $6,000/annual, then base rate
Capital One
Why this card
No annual fee
Why this card
No annual fee
Citi
Why this card
No annual fee
American Express
Why this card
Bonus rate on first $15,000/annual, then base rate
Why this card
Bonus rate on first $15,000/annual, then base rate
Capital One
Why this card
Wells Fargo
Why this card
Elan Financial
Why this card
No annual fee. Other listed credits: Global Entry or TSA PreCheck application fee credit (up to $100/4yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Capital One
Why this card
Annual fee $395. Other listed credits: Global Entry or TSA PreCheck Credit (up to $120/4yr); $300 Annual Capital One Travel Credit (up to $300/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
