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Best Credit Cards for Tea & Infusions

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 Tea & Infusions

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 matches763ms

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 ($290.40/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$20 in credits offset the $95 fee

MASTERCARDCore Rate
4.8¢
per dollar on grocery stores
$95/yr($20 in credits)
Annual rewards$290.40
+ Credits$20
− Annual fee$95
Net annual value$215.40

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 ($252/yr on $6,000 spend)
  2. 2.$42/yr $84 Dunkin' Credit

$170 in credits offset the $325 fee

AMEXCore Rate
4.2¢
per dollar on grocery stores
$325/yr($170 in credits)
Annual rewards$252
+ Credits$170
− Annual fee$325
Net annual value$97

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

3

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
Chase Sapphire Preferred Card
4

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 ($237.60/yr on $6,000 spend)

$95.60 in credits fully offsets the $95 fee

VISACore Rate
4.0¢
per dollar on grocery stores
$95/yr($95.60 in credits)
Annual rewards$237.60
+ Credits$95.60
− Annual fee$95
Net annual value$238.20
Citi Strata Credit Card
5

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 ($211.20/yr on $6,000 spend)

No annual fee

MASTERCARDCore Rate
3.5¢
per dollar on grocery stores
No annual fee($150 in credits)
Annual rewards$211.20
+ Credits$150
Net annual value$361.20
6

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
    Blue Cash Preferred Card from American Express
    7

    Blue Cash Preferred Card from American Express

    Amex

    6% cash back on Grocery Stores

    Why this card

    1. 1.6% cash back on Supermarkets ($216/yr on $6,000 spend)
    2. 2.Amex Offers

    $84 in credits offset the $95 fee

    AMEXCore Rate
    3.6¢
    per dollar on grocery stores
    $95/yr (Y1 waived)($84 in credits)
    Annual rewards$216
    + Credits$84
    − Annual fee$95
    Net annual value$205

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

    NHL® Discover It®
    8

    NHL® Discover It®

    Discover

    5% cash back on Grocery Stores

    Why this card

    1. 1.5% cash back on Supermarkets ($180/yr on $6,000 spend)

    No annual fee

    DISCOVERCore Rate
    3.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$180
    Net annual value$180

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

    Citi Strata Premier Card
    9

    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 ($211.20/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    $50 in credits offset the $95 fee

    MASTERCARDCore Rate
    3.5¢
    per dollar on grocery stores
    $95/yr($50 in credits)
    Annual rewards$211.20
    + Credits$50
    − Annual fee$95
    Net annual value$166.20
    10

    Verizon Visa Card

    Synchrony

    4% cash back on Grocery Stores

    Why this card

    1. 1.4% 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
    11

    SoFi Smart Card

    Sofi

    5x points on Grocery Stores

    Why this card

    1. 1.5x on Supermarkets ($180/yr on $6,000 spend)

    No annual fee

    MASTERCARDCore Rate
    3.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$180
    Net annual value$180
    Rakuten American Express Card
    12

    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 ($150.40/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$150.40
    Net annual value$150.40
    Citi Strata Elite℠ Card
    13

    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
    Choice Privileges Select Mastercard
    14

    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 ($163.20/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    $15 in credits offset the $95 fee

    MASTERCARDCore Rate
    2.7¢
    per dollar on grocery stores
    $95/yr($15 in credits)
    Annual rewards$163.20
    + Credits$15
    − Annual fee$95
    Net annual value$83.20
    West Elm Key Rewards Visa
    15

    West Elm Key Rewards Visa

    Capital One

    4x points on Grocery Stores

    Why this card

    1. 1.4x on Supermarkets ($144/yr on $6,000 spend)
    2. 2.Free standard shipping

    No annual fee

    VISACore Rate
    2.4¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$144
    Net annual value$144
    Capital One VentureOne Rewards Credit Card
    16

    Capital One VentureOne Rewards Credit Card

    Capital One

    1.25x Venture Miles on Grocery Stores
    1.25x × 1.9¢/pt = 2.3¢ per dollar

    Why this card

      No annual fee

      MASTERCARD
      2.3¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$138.75
      Net annual value$138.75
      BMO Premium Rewards Mastercard®
      17

      BMO Premium Rewards Mastercard®

      Bmo

      4x points on Grocery Stores

      Why this card

      1. 1.4x on Supermarkets ($144/yr on $6,000 spend)
      MASTERCARDCore Rate
      2.4¢
      per dollar on grocery stores
      $95/yr
      Annual rewards$144
      − Annual fee$95
      Net annual value$49

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

      Wells Fargo Active Cash Card
      18

      Wells Fargo Active Cash Card

      Wells Fargo

      2% cash back on Grocery Stores
      Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

      Why this card

      1. 1.My Wells Fargo Deals
      2. 2.Up to 1.6¢/pt via Choice Privileges

      No annual fee

      VISA
      2.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$120
      Net annual value$120
      Aeroplan® Card
      19

      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 ($132/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings

      $15 in credits offset the $195 fee

      MASTERCARDCore Rate
      2.2¢
      per dollar on grocery stores
      $195/yr($15 in credits)
      Annual rewards$132
      + Credits$15
      − Annual fee$195
      Net annual value-$48
      20

      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 ($132/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      2.2¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$132
      Net annual value$132
      21

      TD Cash Credit Card

      Td Bank

      3% cash back on Grocery Stores

      Why this card

      1. 1.3% cash back on Supermarkets ($132/yr on $6,000 spend)

      No annual fee

      VISACore Rate
      2.2¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$132
      Net annual value$132
      22

      Navy Federal More Rewards American Express®

      Navy Federal

      3x points on Grocery Stores

      Why this card

      1. 1.3x on Supermarkets ($132/yr on $6,000 spend)

      No annual fee

      AMEXCore Rate
      2.2¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$132
      Net annual value$132
      23

      One Key+ Card

      Wells Fargo

      3% cash back on Grocery Stores

      Why this card

      1. 1.3% cash back on Supermarkets ($156/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings
      MASTERCARDCore Rate
      2.6¢
      per dollar on grocery stores
      $99/yr
      Annual rewards$156
      − Annual fee$99
      Net annual value$57
      24

      The Platinum Card from American Express

      Amex

      1x Membership Rewards on Grocery Stores
      1x × 1.5¢/pt = 1.5¢ per dollar

      Why this card

      1. 1.$150/yr Lululemon Credit
      2. 2.$78/yr Walmart+ Membership Credit
      3. 3.$20/yr Saks Fifth Avenue Credit
      4. 4.Amex Offers

      $1,149.50 in credits fully offsets the $895 fee

      AMEX
      1.5¢
      per dollar on grocery stores
      $895/yr($1,149.50 in credits)
      Annual rewards$90
      + Credits$1,149.50
      − Annual fee$895
      Net annual value$344.50
      25

      Imagine Visa Credit Card

      Imagine Financial

      3% cash back on Grocery Stores

      Why this card

      1. 1.3% cash back on Supermarkets ($132/yr on $6,000 spend)
      VISACore Rate
      2.2¢
      per dollar on grocery stores
      $99/yr
      Annual rewards$132
      − Annual fee$99
      Net annual value$33
      DoorDash Rewards Mastercard®
      26

      DoorDash Rewards Mastercard®

      Chase

      2% cash back on Grocery Stores

      Why this card

      1. 1.2% cash back on Supermarkets ($96/yr on $6,000 spend)
      2. 2.$153/yr 10% Monthly Grocery Discount

      No annual fee

      MASTERCARDCore Rate
      1.6¢
      per dollar on grocery stores
      No annual fee($96 in credits)
      Annual rewards$96
      + Credits$96
      Net annual value$192
      Marriott Bonvoy Bountiful Credit Card
      27

      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 ($134.40/yr on $6,000 spend)

      $96.60 in credits offset the $250 fee

      VISACore Rate
      2.2¢
      per dollar on grocery stores
      $250/yr($96.60 in credits)
      Annual rewards$134.40
      + Credits$96.60
      − Annual fee$250
      Net annual value-$19

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

      Birch Lane Mastercard
      28

      Birch Lane Mastercard

      Citi

      3% cash back on Grocery Stores

      Why this card

      1. 1.3% cash back on Supermarkets ($108/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
      1.8¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$108
      Net annual value$108
      U.S. Bank Smartly Visa Signature Card
      29

      U.S. Bank Smartly Visa Signature Card

      Usbank

      2% cash back on Grocery Stores

      Why this card

        No annual fee

        VISA
        2.0¢
        per dollar on grocery stores
        No annual fee
        Annual rewards$120
        Net annual value$120
        Synchrony Premier Mastercard
        30

        Synchrony Premier Mastercard

        Synchrony

        2% cash back on Grocery Stores

        Why this card

          No annual fee

          MASTERCARD
          2.0¢
          per dollar on grocery stores
          No annual fee
          Annual rewards$120
          Net annual value$120