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Best Credit Cards for Whole Foods

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 Whole Foods

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

Resolved as:Whole FoodsCached
85%
107 matches637ms

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

Amazon Prime Store Card
1

Amazon Prime Store Card

Synchrony

5x points on Whole Foods

Why this card

  1. 1.5x on whole foods ($300/yr on $6,000 spend)

No annual fee

VISACore Rate
5.0¢
per dollar on whole foods
No annual fee($60 in credits)
Annual rewards$300
+ Credits$60
Net annual value$360
2

Bilt Palladium Card

Cardless

2x Bilt Rewards on Whole Foods
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

    $300 in credits offset the $495 fee

    MASTERCARD
    4.4¢
    per dollar on whole foods
    $495/yr($300 in credits)
    Annual rewards$264.00
    + Credits$300
    − Annual fee$495
    Net annual value$69
    Prime Visa
    3

    Prime Visa

    Chase

    5% cash back on Whole Foods

    Why this card

    1. 1.5% cash back on whole foods ($300/yr on $6,000 spend)

    No annual fee

    VISACore Rate
    5.0¢
    per dollar on whole foods
    No annual fee
    Annual rewards$300
    Net annual value$300
    4

    Capital One Venture X Rewards Credit Card

    Capital One

    2x Venture Miles on Whole Foods
    2x × 1.9¢/pt = 3.7¢ per dollar

    Why this card

      $315 in credits offset the $395 fee

      VISA
      3.7¢
      per dollar on whole foods
      $395/yr($315 in credits)
      Annual rewards$222
      + Credits$315
      − Annual fee$395
      Net annual value$142
      Citi Strata Elite℠ Card
      5

      Citi Strata Elite℠ Card

      Citi

      1.5x ThankYou Points on Whole Foods
      1.5x × 1.6¢/pt = 2.4¢ per dollar

      Why this card

        $762.50 in credits fully offsets the $595 fee

        MASTERCARD
        2.4¢
        per dollar on whole foods
        $595/yr($762.50 in credits)
        Annual rewards$144
        + Credits$762.50
        − Annual fee$595
        Net annual value$311.50
        6

        The Platinum Card from American Express

        Amex

        1x Membership Rewards on Whole Foods
        1x × 1.5¢/pt = 1.5¢ per dollar

        Why this card

          $1,397 in credits fully offsets the $895 fee

          AMEX
          1.5¢
          per dollar on whole foods
          $895/yr($1,397 in credits)
          Annual rewards$90
          + Credits$1,397
          − Annual fee$895
          Net annual value$592
          Capital One VentureOne Rewards Credit Card
          7

          Capital One VentureOne Rewards Credit Card

          Capital One

          1.25x Venture Miles on Whole Foods
          1.25x × 1.9¢/pt = 2.3¢ per dollar

          Why this card

            No annual fee

            MASTERCARD
            2.3¢
            per dollar on whole foods
            No annual fee
            Annual rewards$138.75
            Net annual value$138.75
            Wells Fargo Active Cash Card
            8

            Wells Fargo Active Cash Card

            Wells Fargo

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

            Why this card

            1. 1.Up to 1.6¢/pt via Choice Privileges

            No annual fee

            VISA
            2.0¢
            per dollar on whole foods
            No annual fee
            Annual rewards$120
            Net annual value$120
            9

            One Key+ Card

            Wells Fargo

            2% cash back on Whole Foods
            MASTERCARD
            2.0¢
            per dollar on whole foods
            $99/yr
            Annual rewards$120
            − Annual fee$99
            Net annual value$21
            Amazon Visa
            10

            Amazon Visa

            Chase

            3% cash back on Whole Foods

            Why this card

            1. 1.3% cash back on whole foods ($180/yr on $6,000 spend)

            No annual fee

            VISACore Rate
            3.0¢
            per dollar on whole foods
            No annual fee
            Annual rewards$180
            Net annual value$180
            Chase Sapphire Preferred Card
            11

            Chase Sapphire Preferred Card

            Chase

            1x Ultimate Rewards on Whole Foods
            1x × 1.8¢/pt = 1.8¢ per dollar

            Why this card

              $134 in credits fully offsets the $95 fee

              VISA
              1.8¢
              per dollar on whole foods
              $95/yr($134 in credits)
              Annual rewards$108
              + Credits$134
              − Annual fee$95
              Net annual value$147
              Synchrony Premier Mastercard
              12

              Synchrony Premier Mastercard

              Synchrony

              2% cash back on Whole Foods

              Why this card

                No annual fee

                MASTERCARD
                2.0¢
                per dollar on whole foods
                No annual fee
                Annual rewards$120
                Net annual value$120
                U.S. Bank Smartly Visa Signature Card
                13

                U.S. Bank Smartly Visa Signature Card

                Usbank

                2% cash back on Whole Foods

                Why this card

                  No annual fee

                  VISA
                  2.0¢
                  per dollar on whole foods
                  No annual fee
                  Annual rewards$120
                  Net annual value$120
                  14

                  TD Double Up Credit Card

                  Td Bank

                  2% cash back on Whole Foods

                  Why this card

                    No annual fee

                    VISA
                    2.0¢
                    per dollar on whole foods
                    No annual fee
                    Annual rewards$120
                    Net annual value$120
                    Fidelity Rewards Visa Signature Card
                    15

                    Fidelity Rewards Visa Signature Card

                    Elan Financial

                    2% cash back on Whole Foods

                    Why this card

                      No annual fee

                      VISA
                      2.0¢
                      per dollar on whole foods
                      No annual fee
                      Annual rewards$120
                      Net annual value$120
                      Bilt Blue Card
                      16

                      Bilt Blue Card

                      Cardless

                      1x Bilt Rewards on Whole Foods
                      1x × 2.2¢/pt = 2.2¢ per dollar

                      Why this card

                        No annual fee

                        MASTERCARD
                        2.2¢
                        per dollar on whole foods
                        No annual fee
                        Annual rewards$132.00
                        Net annual value$132.00
                        Rakuten American Express Card
                        17

                        Rakuten American Express Card

                        First Electronic Bank

                        1% cash back on Whole Foods

                        Convertible Cash Back — 1.0–2.0¢/$

                        This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                        Why this card

                        1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                        No annual fee

                        AMEXConvertible
                        1.0–2.0¢
                        per dollar on whole foods
                        depending on redemption
                        No annual fee
                        Annual rewards$94
                        Net annual value$94
                        Bilt Obsidian Card
                        18

                        Bilt Obsidian Card

                        Cardless

                        1x Bilt Rewards on Whole Foods
                        1x × 2.2¢/pt = 2.2¢ per dollar

                        Why this card

                          $20 in credits offset the $95 fee

                          MASTERCARD
                          2.2¢
                          per dollar on whole foods
                          $95/yr($20 in credits)
                          Annual rewards$132.00
                          + Credits$20
                          − Annual fee$95
                          Net annual value$57.00
                          Chase Sapphire Reserve
                          19

                          Chase Sapphire Reserve

                          Chase

                          1x Ultimate Rewards on Whole Foods
                          1x × 1.8¢/pt = 1.8¢ per dollar

                          Why this card

                            $960 in credits fully offsets the $795 fee

                            VISA
                            1.8¢
                            per dollar on whole foods
                            $795/yr($960 in credits)
                            Annual rewards$108
                            + Credits$960
                            − Annual fee$795
                            Net annual value$273
                            20

                            SoFi Credit Card

                            Sofi

                            2% cash back on Whole Foods

                            Why this card

                              No annual fee

                              MASTERCARD
                              2.0¢
                              per dollar on whole foods
                              No annual fee
                              Annual rewards$120
                              Net annual value$120
                              Citi Double Cash Card
                              21

                              Citi Double Cash Card

                              Citi

                              2% cash back on Whole Foods

                              Why this card

                                No annual fee

                                MASTERCARD
                                2.0¢
                                per dollar on whole foods
                                No annual fee
                                Annual rewards$120
                                Net annual value$120
                                BJ's One+™ Mastercard®
                                22

                                BJ's One+™ Mastercard®

                                Capital One

                                2% cash back on Whole Foods

                                Why this card

                                  No annual fee

                                  MASTERCARD
                                  2.0¢
                                  per dollar on whole foods
                                  No annual fee
                                  Annual rewards$120
                                  Net annual value$120
                                  Bank of America Travel Rewards Credit Card for Students
                                  23

                                  Bank of America Travel Rewards Credit Card for Students

                                  Bank Of America

                                  1.5x Bank of America Points on Whole Foods
                                  1.5x × 1.0¢/pt = 1.5¢ per dollar

                                  Why this card

                                    No annual fee

                                    VISA
                                    1.5¢
                                    per dollar on whole foods
                                    No annual fee
                                    Annual rewards$90
                                    Net annual value$90
                                    Discover it® Miles
                                    24

                                    Discover it® Miles

                                    Discover

                                    1.5x Cashback on Whole Foods
                                    1.5x × 1.0¢/pt = 1.5¢ per dollar

                                    Why this card

                                      No annual fee

                                      DISCOVER
                                      1.5¢
                                      per dollar on whole foods
                                      No annual fee
                                      Annual rewards$90
                                      Net annual value$90
                                      Navy Federal Visa cashRewards Card
                                      25

                                      Navy Federal Visa cashRewards Card

                                      Navy Federal

                                      1.5% cash back on Whole Foods

                                      Why this card

                                        No annual fee

                                        VISA
                                        1.5¢
                                        per dollar on whole foods
                                        No annual fee
                                        Annual rewards$90
                                        Net annual value$90
                                        Capital One QuicksilverOne Cash Rewards Credit Card
                                        26

                                        Capital One QuicksilverOne Cash Rewards Credit Card

                                        Capital One

                                        1.5% cash back on Whole Foods
                                        MASTERCARD
                                        1.5¢
                                        per dollar on whole foods
                                        $39/yr
                                        Annual rewards$90
                                        − Annual fee$39
                                        Net annual value$51
                                        Citi Strata Premier Card
                                        27

                                        Citi Strata Premier Card

                                        Citi

                                        1x ThankYou Points on Whole Foods
                                        1x × 1.6¢/pt = 1.6¢ per dollar

                                        Why this card

                                          $50 in credits offset the $95 fee

                                          MASTERCARD
                                          1.6¢
                                          per dollar on whole foods
                                          $95/yr($50 in credits)
                                          Annual rewards$96
                                          + Credits$50
                                          − Annual fee$95
                                          Net annual value$51
                                          Chase Freedom Unlimited
                                          28

                                          Chase Freedom Unlimited

                                          Chase

                                          1.5% cash back on Whole Foods

                                          Why this card

                                            No annual fee

                                            VISA
                                            1.5¢
                                            per dollar on whole foods
                                            No annual fee($30 in credits)
                                            Annual rewards$90
                                            + Credits$30
                                            Net annual value$120
                                            29

                                            PenFed Pathfinder Rewards Visa Signature Card

                                            Penfed

                                            1.5x Penfed Honors Advantage on Whole Foods
                                            1.5x × 0.9¢/pt = 1.3¢ per dollar

                                            Why this card

                                              $50 in credits offset the $95 fee

                                              VISA
                                              1.3¢
                                              per dollar on whole foods
                                              $95/yr($50 in credits)
                                              Annual rewards$80.10
                                              + Credits$50
                                              − Annual fee$95
                                              Net annual value$35.10
                                              Bank of America® Unlimited Cash Rewards Secured
                                              30

                                              Bank of America® Unlimited Cash Rewards Secured

                                              Bank Of America

                                              1.5% cash back on Whole Foods

                                              Why this card

                                              1. 1.1.5% cash back on whole foods ($90/yr on $6,000 spend)

                                              No annual fee

                                              VISACore Rate
                                              1.5¢
                                              per dollar on whole foods
                                              No annual fee
                                              Annual rewards$90
                                              Net annual value$90