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Best Credit Cards for Soups & Broths

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

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Best Credit Cards for Soups & Broths

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:Grocery Stores+1 moreCached
80%
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151 matches633ms

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

Bilt Obsidian Card
1

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Grocery Stores
3x × 2.2¢/pt = 6.6¢ per dollar

Why this card

  1. 1.3x on Supermarkets — points worth 2.2¢ each ($369.60/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$20 in credits offset the $95 fee

MASTERCARDCore Rate
6.2¢
per dollar on grocery stores
$95/yr($20 in credits)
Annual rewards$369.60
+ Credits$20
− Annual fee$95
Net annual value$294.60

Bonus rate on first $25,000/annual, then base rate

American Express Gold Card
2

American Express Gold Card

Amex

4x Membership Rewards on Grocery Stores
4x × 1.5¢/pt = 6.0¢ per dollar

Why this card

  1. 1.4x on Supermarkets — points worth 1.5¢ each ($333/yr on $6,000 spend)

$212 in credits offset the $325 fee

AMEXCore Rate
5.6¢
per dollar on grocery stores
$325/yr($212 in credits)
Annual rewards$333
+ Credits$212
− Annual fee$325
Net annual value$220

Bonus rate on first $25,000/annual, then base rate

Chase Sapphire Preferred Card
3

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Grocery Stores
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Supermarkets — points worth 1.8¢ each ($302.40/yr on $6,000 spend)

$106.40 in credits fully offsets the $95 fee

VISACore Rate
5.0¢
per dollar on grocery stores
$95/yr($106.40 in credits)
Annual rewards$302.40
+ Credits$106.40
− Annual fee$95
Net annual value$313.80
Blue Cash Preferred Card from American Express
4

Blue Cash Preferred Card from American Express

Amex

6% cash back on Grocery Stores

Why this card

  1. 1.6% cash back on Supermarkets ($324/yr on $6,000 spend)
  2. 2.Amex Offers

$84 in credits offset the $95 fee

Your spend ($5,400) is 90% of the $6,000 annual cap

AMEXCore Rate
5.4¢
per dollar on grocery stores
$95/yr (Y1 waived)($84 in credits)
Annual rewards$324
+ Credits$84
− Annual fee$95
Net annual value$313

Bonus rate on first $6,000/annual, then base rate

NHL® Discover It®
5

NHL® Discover It®

Discover

5% cash back on Grocery Stores

Why this card

  1. 1.5% cash back on Supermarkets ($270/yr on $6,000 spend)

No annual fee

Your spend ($5,400) is 90% of the $6,000 annual cap

DISCOVERCore Rate
4.5¢
per dollar on grocery stores
No annual fee
Annual rewards$270
Net annual value$270

Bonus rate on first $1,500/quarterly, then base rate

Citi Strata Credit Card
6

Citi Strata Credit Card

Citi

3x ThankYou Points on Grocery Stores
3x × 1.6¢/pt = 4.8¢ per dollar

Why this card

  1. 1.3x on Supermarkets — points worth 1.6¢ each ($268.80/yr on $6,000 spend)

No annual fee

MASTERCARDCore Rate
4.5¢
per dollar on grocery stores
No annual fee($150 in credits)
Annual rewards$268.80
+ Credits$150
Net annual value$418.80
7

Bilt Palladium Card

Cardless

2x Bilt Rewards on Grocery Stores
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

  1. 1.$100/yr $200 of Bilt Cash

$200 in credits offset the $495 fee

MASTERCARD
4.4¢
per dollar on grocery stores
$495/yr($200 in credits)
Annual rewards$264.00
+ Credits$200
− Annual fee$495
Net annual value-$31.00
8

SoFi Smart Card

Sofi

5x points on Grocery Stores

Why this card

  1. 1.5x on Supermarkets ($270/yr on $6,000 spend)

No annual fee

MASTERCARDCore Rate
4.5¢
per dollar on grocery stores
No annual fee
Annual rewards$270
Net annual value$270
9

Verizon Visa Card

Synchrony

4% cash back on Grocery Stores

Why this card

  1. 1.4% cash back on Supermarkets ($222/yr on $6,000 spend)

No annual fee

VISACore Rate
3.7¢
per dollar on grocery stores
No annual fee
Annual rewards$222
Net annual value$222
10

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Grocery Stores
2x × 1.9¢/pt = 3.7¢ per dollar

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.7¢
    per dollar on grocery stores
    $395/yr($315 in credits)
    Annual rewards$222
    + Credits$315
    − Annual fee$395
    Net annual value$142
    Citi Strata Premier Card
    11

    Citi Strata Premier Card

    Citi

    3x ThankYou Points on Grocery Stores
    3x × 1.6¢/pt = 4.8¢ per dollar

    Why this card

    1. 1.3x on Supermarkets — points worth 1.6¢ each ($268.80/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    $50 in credits offset the $95 fee

    MASTERCARDCore Rate
    4.5¢
    per dollar on grocery stores
    $95/yr($50 in credits)
    Annual rewards$268.80
    + Credits$50
    − Annual fee$95
    Net annual value$223.80
    West Elm Key Rewards Visa
    12

    West Elm Key Rewards Visa

    Capital One

    4x points on Grocery Stores

    Why this card

    1. 1.4x on Supermarkets ($216/yr on $6,000 spend)
    2. 2.Free standard shipping

    No annual fee

    VISACore Rate
    3.6¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$216
    Net annual value$216
    Choice Privileges Select Mastercard
    13

    Choice Privileges Select Mastercard

    Wells Fargo

    5x Choice Privileges on Grocery Stores
    5x × 0.8¢/pt = 4.0¢ per dollar

    Why this card

    1. 1.5x on Supermarkets — points worth 0.8¢ each ($220.80/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    $15 in credits offset the $95 fee

    MASTERCARDCore Rate
    3.7¢
    per dollar on grocery stores
    $95/yr($15 in credits)
    Annual rewards$220.80
    + Credits$15
    − Annual fee$95
    Net annual value$140.80
    BMO Premium Rewards Mastercard®
    14

    BMO Premium Rewards Mastercard®

    Bmo

    4x points on Grocery Stores

    Why this card

    1. 1.4x on Supermarkets ($216/yr on $6,000 spend)

    Your spend ($5,400) is 68% of the $8,000 annual cap

    MASTERCARDCore Rate
    3.6¢
    per dollar on grocery stores
    $95/yr
    Annual rewards$216
    − Annual fee$95
    Net annual value$121

    Bonus rate on first $2,000/quarterly, then base rate

    Rakuten American Express Card
    15

    Rakuten American Express Card

    First Electronic Bank

    2% cash back on Grocery Stores

    Convertible Cash Back — 2.0–4.0¢/$

    This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

    Why this card

    1. 1.2% cash back on Supermarkets ($178.60/yr on $6,000 spend)
    2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value

    No annual fee

    AMEXConvertibleCore Rate
    2.0–4.0¢
    per dollar on grocery stores
    depending on redemption
    No annual fee
    Annual rewards$178.60
    Net annual value$178.60
    Aeroplan® Card
    16

    Aeroplan® Card

    Chase

    3x Aeroplan on Grocery Stores
    3x × 1.0¢/pt = 3.0¢ per dollar

    Why this card

    1. 1.3x on Supermarkets — points worth 1.0¢ each ($168/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    $15 in credits offset the $195 fee

    MASTERCARDCore Rate
    2.8¢
    per dollar on grocery stores
    $195/yr($15 in credits)
    Annual rewards$168
    + Credits$15
    − Annual fee$195
    Net annual value-$12
    17

    Capital One SavorOne Student Cash Rewards Credit Card

    Capital One

    3% cash back on Grocery Stores

    Why this card

    1. 1.3% cash back on Supermarkets ($168/yr on $6,000 spend)

    No annual fee

    MASTERCARDCore Rate
    2.8¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$168
    Net annual value$168
    18

    TD Cash Credit Card

    Td Bank

    3% cash back on Grocery Stores

    Why this card

    1. 1.3% cash back on Supermarkets ($168/yr on $6,000 spend)

    No annual fee

    VISACore Rate
    2.8¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$168
    Net annual value$168
    19

    Navy Federal More Rewards American Express®

    Navy Federal

    3x points on Grocery Stores

    Why this card

    1. 1.3x on Supermarkets ($168/yr on $6,000 spend)

    No annual fee

    AMEXCore Rate
    2.8¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$168
    Net annual value$168
    Birch Lane Mastercard
    20

    Birch Lane Mastercard

    Citi

    3% cash back on Grocery Stores

    Why this card

    1. 1.3% cash back on Supermarkets ($162/yr on $6,000 spend)
    2. 2.$36/yr $40 Off First Order
    3. 3.Free Shipping on Eligible Purchases

    No annual fee

    MASTERCARDCore Rate
    2.7¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$162
    Net annual value$162
    21

    Imagine Visa Credit Card

    Imagine Financial

    3% cash back on Grocery Stores

    Why this card

    1. 1.3% cash back on Supermarkets ($168/yr on $6,000 spend)
    VISACore Rate
    2.8¢
    per dollar on grocery stores
    $99/yr
    Annual rewards$168
    − Annual fee$99
    Net annual value$69
    Citi Strata Elite℠ Card
    22

    Citi Strata Elite℠ Card

    Citi

    1.5x ThankYou Points on Grocery Stores
    1.5x × 1.6¢/pt = 2.4¢ per dollar

    Why this card

    1. 1.$30/yr Instacart+ Savings

    $762.50 in credits fully offsets the $595 fee

    MASTERCARD
    2.4¢
    per dollar on grocery stores
    $595/yr($762.50 in credits)
    Annual rewards$144
    + Credits$762.50
    − Annual fee$595
    Net annual value$311.50
    Pottery Barn Key Rewards Visa
    23

    Pottery Barn Key Rewards Visa

    Capital One

    4x points on Grocery Stores

    Why this card

    1. 1.4x on Supermarkets ($216/yr on $6,000 spend)
    2. 2.Free standard shipping

    No annual fee

    VISACore Rate
    3.6¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$216
    Net annual value$216
    Williams Sonoma Key Rewards Visa
    24

    Williams Sonoma Key Rewards Visa

    Capital One

    4x points on Grocery Stores

    Why this card

    1. 1.4x on Supermarkets ($216/yr on $6,000 spend)
    2. 2.Free standard shipping

    No annual fee

    VISACore Rate
    3.6¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$216
    Net annual value$216
    The Key Rewards Visa
    25

    The Key Rewards Visa

    Capital One

    4x points on Grocery Stores

    Why this card

    1. 1.4x on Supermarkets ($216/yr on $6,000 spend)
    2. 2.Free standard shipping

    No annual fee

    VISACore Rate
    3.6¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$216
    Net annual value$216
    Marriott Bonvoy Bountiful Credit Card
    26

    Marriott Bonvoy Bountiful Credit Card

    Chase

    4x Marriott Bonvoy on Grocery Stores
    4x × 0.7¢/pt = 2.8¢ per dollar

    Why this card

    1. 1.4x on Supermarkets — points worth 0.7¢ each ($159.60/yr on $6,000 spend)

    $107.40 in credits offset the $250 fee

    VISACore Rate
    2.7¢
    per dollar on grocery stores
    $250/yr($107.40 in credits)
    Annual rewards$159.60
    + Credits$107.40
    − Annual fee$250
    Net annual value$17

    Bonus rate on first $15,000/annual, then base rate

    27

    Wyndham Rewards Earner Plus Card

    Barclays

    4x Wyndham Rewards on Grocery Stores
    4x × 0.7¢/pt = 2.8¢ per dollar

    Why this card

    1. 1.4x on Supermarkets — points worth 0.7¢ each ($151.20/yr on $6,000 spend)
    VISACore Rate
    2.5¢
    per dollar on grocery stores
    $95/yr
    Annual rewards$151.20
    − Annual fee$95
    Net annual value$56.20
    bp rewards Visa®
    28

    bp rewards Visa®

    Fnbo

    3% cash back on Grocery Stores

    Why this card

    1. 1.3% cash back on Supermarkets ($168/yr on $6,000 spend)

    No annual fee

    VISACore Rate
    2.8¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$168
    Net annual value$168
    29

    PenFed Platinum Rewards Visa Signature® Card

    Penfed

    3x points on Grocery Stores

    Why this card

    1. 1.3x on Supermarkets ($168/yr on $6,000 spend)

    No annual fee

    VISACore Rate
    2.8¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$168
    Net annual value$168
    30

    One Key+ Card

    Wells Fargo

    3% cash back on Grocery Stores

    Why this card

    1. 1.3% cash back on Supermarkets ($174/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings
    MASTERCARDCore Rate
    2.9¢
    per dollar on grocery stores
    $99/yr
    Annual rewards$174
    − Annual fee$99
    Net annual value$75