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best card for kroger pay

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About
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Product
  • Documentation
Legal
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Results from

$6,000

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Kroger Rewards World Elite Mastercard
1

Kroger Rewards World Elite Mastercard

Usbank

5% cash back on Grocery Stores

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.5% cash back on Supermarkets ($300/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$300
Net annual value$300
American Express Gold Card
2

American Express Gold Card

Amex

4x Membership Rewards on Grocery Stores
4x × 1.8¢/pt = 7.2¢ per dollar

Why this card

  1. 1.4x on Supermarkets — points worth 1.8¢ each ($432/yr on $6,000 spend)

$212 in credits offset the $325 fee

AMEX
Core Rate
7.2¢
per dollar on grocery stores
$325/yr($212 in credits)
Annual rewards$432
+ Credits$212
\u2212 Annual fee$325
Net annual value$319

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

Kroger Rewards World Elite Mastercard®
3

Kroger Rewards World Elite Mastercard®

Usbank

5x points on Grocery Stores

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
  3. 3.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 200% of the $3,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $3,000/annual, then base rate

King Soopers Rewards World Elite Mastercard®
4

King Soopers Rewards World Elite Mastercard®

Usbank

5x points on Grocery Stores

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
  3. 3.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 200% of the $3,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $3,000/annual, then base rate

Fry's REWARDS World Mastercard®
5

Fry's REWARDS World Mastercard®

Usbank

5x points on Grocery Stores

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
  3. 3.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 200% of the $3,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $3,000/annual, then base rate

Dillons REWARDS World Mastercard®
6

Dillons REWARDS World Mastercard®

Usbank

5x points on Grocery Stores

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
  3. 3.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 200% of the $3,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $3,000/annual, then base rate

Pick 'n Save/Metro Market Rewards World Elite Mastercard®
7

Pick 'n Save/Metro Market Rewards World Elite Mastercard®

Usbank

5x points on Grocery Stores

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

No annual fee

Your spend ($6,000) is 200% of the $3,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee($50 in credits)
Annual rewards$180
+ Credits$50
Net annual value$230

Bonus rate on first $3,000/annual, then base rate

Ralphs Rewards World Elite Mastercard®
8

Ralphs Rewards World Elite Mastercard®

Usbank

5x points on Grocery Stores

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

No annual fee

Your spend ($6,000) is 200% of the $3,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee($50 in credits)
Annual rewards$180
+ Credits$50
Net annual value$230

Bonus rate on first $3,000/annual, then base rate

Fred Meyer Rewards® World Elite Mastercard®
9

Fred Meyer Rewards® World Elite Mastercard®

Usbank

5x points on Grocery Stores

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

No annual fee

Your spend ($6,000) is 200% of the $3,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $3,000/annual, then base rate

Smith's Rewards World Elite Mastercard®
10

Smith's Rewards World Elite Mastercard®

Usbank

5x points on Grocery Stores

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

No annual fee

Your spend ($6,000) is 200% of the $3,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $3,000/annual, then base rate

QFC Rewards World Elite Mastercard®
11

QFC Rewards World Elite Mastercard®

Usbank

5x points on Grocery Stores

Why this card

  1. 1.Official cobrand card — earns rewards on all purchases
  2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

No annual fee

Your spend ($6,000) is 200% of the $3,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $3,000/annual, then base rate

Bilt Obsidian Card
12

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Grocery Stores
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Supermarkets — points worth 2.0¢ each ($360/yr on $6,000 spend)
MASTERCARD
Core Rate
6.0¢
per dollar on grocery stores
$95/yr
Annual rewards$360
\u2212 Annual fee$95
Net annual value$265

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

Blue Cash Preferred Card from American Express
13

Blue Cash Preferred Card from American Express

Amex

6x Cashback on Grocery Stores
6x × 1.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.6x on Supermarkets — points worth 1.0¢ each ($360/yr on $6,000 spend)

$120 in credits fully offsets the $95 fee

Your spend ($6,000) is 100% of the $6,000 annual cap

AMEX
Core Rate
6.0¢
per dollar on grocery stores
$95/yr (Y1 waived)($120 in credits)
Annual rewards$360
+ Credits$120
\u2212 Annual fee$95
Net annual value$385

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

Discover it Student Cash Back
14

Discover it Student Cash Back

Discover

5% cash back on Grocery Stores

Why this card

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

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

Promotional rate — may be time-limited

Enrollment or activation may be required for this rate

DISCOVER
Promotional
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$300
Net annual value$300

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

Citi Custom Cash Card
15

Citi Custom Cash Card

Citi

5% cash back on Grocery Stores

Why this card

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

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee($30 in credits)
Annual rewards$300
+ Credits$30
Net annual value$330

Bonus rate on first $500/monthly, then base rate

NHL® Discover It®
16

NHL® Discover It®

Discover

5x points on Grocery Stores

Why this card

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

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

DISCOVER
Core Rate
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$300
Net annual value$300

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

Amex EveryDay® Preferred
17

Amex EveryDay® Preferred

Amex

3x Membership 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 ($324/yr on $6,000 spend)

Your spend ($6,000) is 100% of the $6,000 annual cap

AMEX
Core Rate
5.4¢
per dollar on grocery stores
$95/yr
Annual rewards$324
\u2212 Annual fee$95
Net annual value$229

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

No image
18

Verizon Visa Card

Synchrony

4% cash back on Grocery Stores

Why this card

  1. 1.4% cash back on Supermarkets ($240/yr on $6,000 spend)
  2. 2.Auto pay, auto save

No annual fee

VISA
Core Rate
4.0¢
per dollar on grocery stores
No annual fee($8 in credits)
Annual rewards$240
+ Credits$8
Net annual value$248
No image
19

Wyndham Rewards Earner Plus Card

Barclays

4x Wyndham Rewards on Grocery Stores
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Supermarkets — points worth 1.0¢ each ($240/yr on $6,000 spend)

$8 in credits offset the $75 fee

VISA
Core Rate
4.0¢
per dollar on grocery stores
$75/yr($8 in credits)
Annual rewards$240
+ Credits$8
\u2212 Annual fee$75
Net annual value$173
No image
20

SoFi Smart Card

Sofi

5x points on Grocery Stores

Why this card

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

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$300
Net annual value$300
Pottery Barn Key Rewards Visa
21

Pottery Barn Key Rewards Visa

Capital One

4x points on Grocery Stores

Why this card

  1. 1.4x on Supermarkets ($240/yr on $6,000 spend)

No annual fee

VISA
Core Rate
4.0¢
per dollar on grocery stores
No annual fee($8 in credits)
Annual rewards$240
+ Credits$8
Net annual value$248
Citi Strata Premier Card
22

Citi Strata Premier Card

Citi

3x ThankYou Points on Grocery Stores
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Supermarkets — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$50 in credits offset the $95 fee

MASTERCARD
Core Rate
4.5¢
per dollar on grocery stores
$95/yr($50 in credits)
Annual rewards$270
+ Credits$50
\u2212 Annual fee$95
Net annual value$225
BMO Premium Rewards Mastercard®
23

BMO Premium Rewards Mastercard®

Bmo

4x points on Grocery Stores

Why this card

  1. 1.4x on Supermarkets ($240/yr on $6,000 spend)

Your spend ($6,000) is 75% of the $8,000 annual cap

MASTERCARD
Core Rate
4.0¢
per dollar on grocery stores
$95/yr
Annual rewards$240
\u2212 Annual fee$95
Net annual value$145

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

Rakuten American Express Card
24

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 ($188/yr on $6,000 spend)
  2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value

No annual fee

AMEX
Convertible
Core Rate
2.0–4.0¢
per dollar on grocery stores
depending on redemption
No annual fee
Annual rewards$188
Net annual value$188
Discover it Cash Back
25

Discover it Cash Back

Discover

5x Cashback on Grocery Stores
5x × 1.0¢/pt = 5.0¢ per dollar

Why this card

  1. 1.5x on Supermarkets — points worth 1.0¢ each ($300/yr on $6,000 spend)

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

Promotional rate — may be time-limited

DISCOVER
Promotional
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$300
Net annual value$300

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

No image
26

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Grocery Stores
2x × 1.9¢/pt = 3.1¢ per dollar

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.1¢
    per dollar on grocery stores
    $395/yr($315 in credits)
    Annual rewards$188.70
    + Credits$315
    \u2212 Annual fee$395
    Net annual value$108.70
    Citi Strata Credit Card
    27

    Citi Strata Credit Card

    Citi

    3x ThankYou Points on Grocery Stores
    3x × 1.5¢/pt = 4.5¢ per dollar

    Why this card

    1. 1.3x on Supermarkets — points worth 1.5¢ each ($270/yr on $6,000 spend)

    No annual fee

    MASTERCARD
    Core Rate
    4.5¢
    per dollar on grocery stores
    No annual fee($162.50 in credits)
    Annual rewards$270
    + Credits$162.50
    Net annual value$432.50
    Gemini Credit Card
    28

    Gemini Credit Card

    Genesis Fs

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

    Why this card

    1. 1.3x on Supermarkets — points worth 1.0¢ each ($180/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    No annual fee

    MASTERCARD
    Core Rate
    3.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$180
    Net annual value$180
    Birch Lane Mastercard
    29

    Birch Lane Mastercard

    Citi

    3% cash back on Grocery Stores

    Why this card

    1. 1.3% cash back on Supermarkets ($180/yr on $6,000 spend)
    2. 2.$40/yr $40 Off First Order
    3. 3.Free Shipping on Eligible Purchases

    No annual fee

    MASTERCARD
    Core Rate
    3.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$180
    Net annual value$180
    Navy Federal More Rewards® Card
    30

    Navy Federal More Rewards® Card

    Navy Federal

    3x Navy Federal Nrewards on Grocery Stores
    3x × 1.0¢/pt = 3.0¢ per dollar

    Why this card

    1. 1.3x on Supermarkets — points worth 1.0¢ each ($180/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    3.0¢
    per dollar on grocery stores
    No annual fee($8 in credits)
    Annual rewards$180
    + Credits$8
    Net annual value$188

    Results from

    $6,000

    Scoring mode

    Options

    Point valuation

    Booking

    Rewards

    Programs

    Networks

    Refine results

    Do you shop at Costco?

    No annual fee only?

    Avoid Amex network?

    Already have a premium card?

    Resolved as:Grocery Stores
    Portal: Kroger Pay
    Cached
    85%
    Not right? Try:
    128 matches2280ms
    Kroger Rewards World Elite Mastercard
    1

    Kroger Rewards World Elite Mastercard

    Usbank

    5% cash back on Grocery Stores

    Why this card

    1. 1.Official cobrand card — earns rewards on all purchases
    2. 2.5% cash back on Supermarkets ($300/yr on $6,000 spend)

    No annual fee

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$300
    Net annual value$300
    American Express Gold Card
    2

    American Express Gold Card

    Amex

    4x Membership Rewards on Grocery Stores
    4x × 1.8¢/pt = 7.2¢ per dollar

    Why this card

    1. 1.4x on Supermarkets — points worth 1.8¢ each ($432/yr on $6,000 spend)

    $212 in credits offset the $325 fee

    AMEX
    Core Rate
    7.2¢
    per dollar on grocery stores
    $325/yr($212 in credits)
    Annual rewards$432
    + Credits$212
    \u2212 Annual fee$325
    Net annual value$319

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

    Kroger Rewards World Elite Mastercard®
    3

    Kroger Rewards World Elite Mastercard®

    Usbank

    5x points on Grocery Stores

    Why this card

    1. 1.Official cobrand card — earns rewards on all purchases
    2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
    3. 3.$30/yr Instacart+ Savings

    No annual fee

    Your spend ($6,000) is 200% of the $3,000 annual cap

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$180
    Net annual value$180

    Bonus rate on first $3,000/annual, then base rate

    King Soopers Rewards World Elite Mastercard®
    4

    King Soopers Rewards World Elite Mastercard®

    Usbank

    5x points on Grocery Stores

    Why this card

    1. 1.Official cobrand card — earns rewards on all purchases
    2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
    3. 3.$30/yr Instacart+ Savings

    No annual fee

    Your spend ($6,000) is 200% of the $3,000 annual cap

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$180
    Net annual value$180

    Bonus rate on first $3,000/annual, then base rate

    Fry's REWARDS World Mastercard®
    5

    Fry's REWARDS World Mastercard®

    Usbank

    5x points on Grocery Stores

    Why this card

    1. 1.Official cobrand card — earns rewards on all purchases
    2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
    3. 3.$30/yr Instacart+ Savings

    No annual fee

    Your spend ($6,000) is 200% of the $3,000 annual cap

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$180
    Net annual value$180

    Bonus rate on first $3,000/annual, then base rate

    Dillons REWARDS World Mastercard®
    6

    Dillons REWARDS World Mastercard®

    Usbank

    5x points on Grocery Stores

    Why this card

    1. 1.Official cobrand card — earns rewards on all purchases
    2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
    3. 3.$30/yr Instacart+ Savings

    No annual fee

    Your spend ($6,000) is 200% of the $3,000 annual cap

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$180
    Net annual value$180

    Bonus rate on first $3,000/annual, then base rate

    Pick 'n Save/Metro Market Rewards World Elite Mastercard®
    7

    Pick 'n Save/Metro Market Rewards World Elite Mastercard®

    Usbank

    5x points on Grocery Stores

    Why this card

    1. 1.Official cobrand card — earns rewards on all purchases
    2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

    No annual fee

    Your spend ($6,000) is 200% of the $3,000 annual cap

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee($50 in credits)
    Annual rewards$180
    + Credits$50
    Net annual value$230

    Bonus rate on first $3,000/annual, then base rate

    Ralphs Rewards World Elite Mastercard®
    8

    Ralphs Rewards World Elite Mastercard®

    Usbank

    5x points on Grocery Stores

    Why this card

    1. 1.Official cobrand card — earns rewards on all purchases
    2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

    No annual fee

    Your spend ($6,000) is 200% of the $3,000 annual cap

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee($50 in credits)
    Annual rewards$180
    + Credits$50
    Net annual value$230

    Bonus rate on first $3,000/annual, then base rate

    Fred Meyer Rewards® World Elite Mastercard®
    9

    Fred Meyer Rewards® World Elite Mastercard®

    Usbank

    5x points on Grocery Stores

    Why this card

    1. 1.Official cobrand card — earns rewards on all purchases
    2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

    No annual fee

    Your spend ($6,000) is 200% of the $3,000 annual cap

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$180
    Net annual value$180

    Bonus rate on first $3,000/annual, then base rate

    Smith's Rewards World Elite Mastercard®
    10

    Smith's Rewards World Elite Mastercard®

    Usbank

    5x points on Grocery Stores

    Why this card

    1. 1.Official cobrand card — earns rewards on all purchases
    2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

    No annual fee

    Your spend ($6,000) is 200% of the $3,000 annual cap

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$180
    Net annual value$180

    Bonus rate on first $3,000/annual, then base rate

    QFC Rewards World Elite Mastercard®
    11

    QFC Rewards World Elite Mastercard®

    Usbank

    5x points on Grocery Stores

    Why this card

    1. 1.Official cobrand card — earns rewards on all purchases
    2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

    No annual fee

    Your spend ($6,000) is 200% of the $3,000 annual cap

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$180
    Net annual value$180

    Bonus rate on first $3,000/annual, then base rate

    Bilt Obsidian Card
    12

    Bilt Obsidian Card

    Cardless

    3x Bilt Rewards on Grocery Stores
    3x × 2.0¢/pt = 6.0¢ per dollar

    Why this card

    1. 1.3x on Supermarkets — points worth 2.0¢ each ($360/yr on $6,000 spend)
    MASTERCARD
    Core Rate
    6.0¢
    per dollar on grocery stores
    $95/yr
    Annual rewards$360
    \u2212 Annual fee$95
    Net annual value$265

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

    Blue Cash Preferred Card from American Express
    13

    Blue Cash Preferred Card from American Express

    Amex

    6x Cashback on Grocery Stores
    6x × 1.0¢/pt = 6.0¢ per dollar

    Why this card

    1. 1.6x on Supermarkets — points worth 1.0¢ each ($360/yr on $6,000 spend)

    $120 in credits fully offsets the $95 fee

    Your spend ($6,000) is 100% of the $6,000 annual cap

    AMEX
    Core Rate
    6.0¢
    per dollar on grocery stores
    $95/yr (Y1 waived)($120 in credits)
    Annual rewards$360
    + Credits$120
    \u2212 Annual fee$95
    Net annual value$385

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

    Discover it Student Cash Back
    14

    Discover it Student Cash Back

    Discover

    5% cash back on Grocery Stores

    Why this card

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

    No annual fee

    Your spend ($6,000) is 100% of the $6,000 annual cap

    Promotional rate — may be time-limited

    Enrollment or activation may be required for this rate

    DISCOVER
    Promotional
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$300
    Net annual value$300

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

    Citi Custom Cash Card
    15

    Citi Custom Cash Card

    Citi

    5% cash back on Grocery Stores

    Why this card

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

    No annual fee

    Your spend ($6,000) is 100% of the $6,000 annual cap

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee($30 in credits)
    Annual rewards$300
    + Credits$30
    Net annual value$330

    Bonus rate on first $500/monthly, then base rate

    NHL® Discover It®
    16

    NHL® Discover It®

    Discover

    5x points on Grocery Stores

    Why this card

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

    No annual fee

    Your spend ($6,000) is 100% of the $6,000 annual cap

    DISCOVER
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$300
    Net annual value$300

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

    Amex EveryDay® Preferred
    17

    Amex EveryDay® Preferred

    Amex

    3x Membership 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 ($324/yr on $6,000 spend)

    Your spend ($6,000) is 100% of the $6,000 annual cap

    AMEX
    Core Rate
    5.4¢
    per dollar on grocery stores
    $95/yr
    Annual rewards$324
    \u2212 Annual fee$95
    Net annual value$229

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

    No image
    18

    Verizon Visa Card

    Synchrony

    4% cash back on Grocery Stores

    Why this card

    1. 1.4% cash back on Supermarkets ($240/yr on $6,000 spend)
    2. 2.Auto pay, auto save

    No annual fee

    VISA
    Core Rate
    4.0¢
    per dollar on grocery stores
    No annual fee($8 in credits)
    Annual rewards$240
    + Credits$8
    Net annual value$248
    No image
    19

    Wyndham Rewards Earner Plus Card

    Barclays

    4x Wyndham Rewards on Grocery Stores
    4x × 1.0¢/pt = 4.0¢ per dollar

    Why this card

    1. 1.4x on Supermarkets — points worth 1.0¢ each ($240/yr on $6,000 spend)

    $8 in credits offset the $75 fee

    VISA
    Core Rate
    4.0¢
    per dollar on grocery stores
    $75/yr($8 in credits)
    Annual rewards$240
    + Credits$8
    \u2212 Annual fee$75
    Net annual value$173
    No image
    20

    SoFi Smart Card

    Sofi

    5x points on Grocery Stores

    Why this card

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

    No annual fee

    MASTERCARD
    Core Rate
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$300
    Net annual value$300
    Pottery Barn Key Rewards Visa
    21

    Pottery Barn Key Rewards Visa

    Capital One

    4x points on Grocery Stores

    Why this card

    1. 1.4x on Supermarkets ($240/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    4.0¢
    per dollar on grocery stores
    No annual fee($8 in credits)
    Annual rewards$240
    + Credits$8
    Net annual value$248
    Citi Strata Premier Card
    22

    Citi Strata Premier Card

    Citi

    3x ThankYou Points on Grocery Stores
    3x × 1.5¢/pt = 4.5¢ per dollar

    Why this card

    1. 1.3x on Supermarkets — points worth 1.5¢ each ($270/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    $50 in credits offset the $95 fee

    MASTERCARD
    Core Rate
    4.5¢
    per dollar on grocery stores
    $95/yr($50 in credits)
    Annual rewards$270
    + Credits$50
    \u2212 Annual fee$95
    Net annual value$225
    BMO Premium Rewards Mastercard®
    23

    BMO Premium Rewards Mastercard®

    Bmo

    4x points on Grocery Stores

    Why this card

    1. 1.4x on Supermarkets ($240/yr on $6,000 spend)

    Your spend ($6,000) is 75% of the $8,000 annual cap

    MASTERCARD
    Core Rate
    4.0¢
    per dollar on grocery stores
    $95/yr
    Annual rewards$240
    \u2212 Annual fee$95
    Net annual value$145

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

    Rakuten American Express Card
    24

    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 ($188/yr on $6,000 spend)
    2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value

    No annual fee

    AMEX
    Convertible
    Core Rate
    2.0–4.0¢
    per dollar on grocery stores
    depending on redemption
    No annual fee
    Annual rewards$188
    Net annual value$188
    Discover it Cash Back
    25

    Discover it Cash Back

    Discover

    5x Cashback on Grocery Stores
    5x × 1.0¢/pt = 5.0¢ per dollar

    Why this card

    1. 1.5x on Supermarkets — points worth 1.0¢ each ($300/yr on $6,000 spend)

    No annual fee

    Your spend ($6,000) is 100% of the $6,000 annual cap

    Promotional rate — may be time-limited

    DISCOVER
    Promotional
    5.0¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$300
    Net annual value$300

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

    No image
    26

    Capital One Venture X Rewards Credit Card

    Capital One

    2x Venture Miles on Grocery Stores
    2x × 1.9¢/pt = 3.1¢ per dollar

    Why this card

      $315 in credits offset the $395 fee

      VISA
      3.1¢
      per dollar on grocery stores
      $395/yr($315 in credits)
      Annual rewards$188.70
      + Credits$315
      \u2212 Annual fee$395
      Net annual value$108.70
      Citi Strata Credit Card
      27

      Citi Strata Credit Card

      Citi

      3x ThankYou Points on Grocery Stores
      3x × 1.5¢/pt = 4.5¢ per dollar

      Why this card

      1. 1.3x on Supermarkets — points worth 1.5¢ each ($270/yr on $6,000 spend)

      No annual fee

      MASTERCARD
      Core Rate
      4.5¢
      per dollar on grocery stores
      No annual fee($162.50 in credits)
      Annual rewards$270
      + Credits$162.50
      Net annual value$432.50
      Gemini Credit Card
      28

      Gemini Credit Card

      Genesis Fs

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

      Why this card

      1. 1.3x on Supermarkets — points worth 1.0¢ each ($180/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings

      No annual fee

      MASTERCARD
      Core Rate
      3.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$180
      Net annual value$180
      Birch Lane Mastercard
      29

      Birch Lane Mastercard

      Citi

      3% cash back on Grocery Stores

      Why this card

      1. 1.3% cash back on Supermarkets ($180/yr on $6,000 spend)
      2. 2.$40/yr $40 Off First Order
      3. 3.Free Shipping on Eligible Purchases

      No annual fee

      MASTERCARD
      Core Rate
      3.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$180
      Net annual value$180
      Navy Federal More Rewards® Card
      30

      Navy Federal More Rewards® Card

      Navy Federal

      3x Navy Federal Nrewards on Grocery Stores
      3x × 1.0¢/pt = 3.0¢ per dollar

      Why this card

      1. 1.3x on Supermarkets — points worth 1.0¢ each ($180/yr on $6,000 spend)

      No annual fee

      VISA
      Core Rate
      3.0¢
      per dollar on grocery stores
      No annual fee($8 in credits)
      Annual rewards$180
      + Credits$8
      Net annual value$188

      Results from

      $6,000

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      Kroger Rewards World Elite Mastercard
      1

      Kroger Rewards World Elite Mastercard

      Usbank

      5% cash back on Grocery Stores

      Why this card

      1. 1.Official cobrand card — earns rewards on all purchases
      2. 2.5% cash back on Supermarkets ($300/yr on $6,000 spend)

      No annual fee

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$300
      Net annual value$300
      American Express Gold Card
      2

      American Express Gold Card

      Amex

      4x Membership Rewards on Grocery Stores
      4x × 1.8¢/pt = 7.2¢ per dollar

      Why this card

      1. 1.4x on Supermarkets — points worth 1.8¢ each ($432/yr on $6,000 spend)

      $212 in credits offset the $325 fee

      AMEX
      Core Rate
      7.2¢
      per dollar on grocery stores
      $325/yr($212 in credits)
      Annual rewards$432
      + Credits$212
      \u2212 Annual fee$325
      Net annual value$319

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

      Kroger Rewards World Elite Mastercard®
      3

      Kroger Rewards World Elite Mastercard®

      Usbank

      5x points on Grocery Stores

      Why this card

      1. 1.Official cobrand card — earns rewards on all purchases
      2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
      3. 3.$30/yr Instacart+ Savings

      No annual fee

      Your spend ($6,000) is 200% of the $3,000 annual cap

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $3,000/annual, then base rate

      King Soopers Rewards World Elite Mastercard®
      4

      King Soopers Rewards World Elite Mastercard®

      Usbank

      5x points on Grocery Stores

      Why this card

      1. 1.Official cobrand card — earns rewards on all purchases
      2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
      3. 3.$30/yr Instacart+ Savings

      No annual fee

      Your spend ($6,000) is 200% of the $3,000 annual cap

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $3,000/annual, then base rate

      Fry's REWARDS World Mastercard®
      5

      Fry's REWARDS World Mastercard®

      Usbank

      5x points on Grocery Stores

      Why this card

      1. 1.Official cobrand card — earns rewards on all purchases
      2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
      3. 3.$30/yr Instacart+ Savings

      No annual fee

      Your spend ($6,000) is 200% of the $3,000 annual cap

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $3,000/annual, then base rate

      Dillons REWARDS World Mastercard®
      6

      Dillons REWARDS World Mastercard®

      Usbank

      5x points on Grocery Stores

      Why this card

      1. 1.Official cobrand card — earns rewards on all purchases
      2. 2.5x on Supermarkets ($180/yr on $6,000 spend)
      3. 3.$30/yr Instacart+ Savings

      No annual fee

      Your spend ($6,000) is 200% of the $3,000 annual cap

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $3,000/annual, then base rate

      Pick 'n Save/Metro Market Rewards World Elite Mastercard®
      7

      Pick 'n Save/Metro Market Rewards World Elite Mastercard®

      Usbank

      5x points on Grocery Stores

      Why this card

      1. 1.Official cobrand card — earns rewards on all purchases
      2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

      No annual fee

      Your spend ($6,000) is 200% of the $3,000 annual cap

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee($50 in credits)
      Annual rewards$180
      + Credits$50
      Net annual value$230

      Bonus rate on first $3,000/annual, then base rate

      Ralphs Rewards World Elite Mastercard®
      8

      Ralphs Rewards World Elite Mastercard®

      Usbank

      5x points on Grocery Stores

      Why this card

      1. 1.Official cobrand card — earns rewards on all purchases
      2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

      No annual fee

      Your spend ($6,000) is 200% of the $3,000 annual cap

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee($50 in credits)
      Annual rewards$180
      + Credits$50
      Net annual value$230

      Bonus rate on first $3,000/annual, then base rate

      Fred Meyer Rewards® World Elite Mastercard®
      9

      Fred Meyer Rewards® World Elite Mastercard®

      Usbank

      5x points on Grocery Stores

      Why this card

      1. 1.Official cobrand card — earns rewards on all purchases
      2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

      No annual fee

      Your spend ($6,000) is 200% of the $3,000 annual cap

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $3,000/annual, then base rate

      Smith's Rewards World Elite Mastercard®
      10

      Smith's Rewards World Elite Mastercard®

      Usbank

      5x points on Grocery Stores

      Why this card

      1. 1.Official cobrand card — earns rewards on all purchases
      2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

      No annual fee

      Your spend ($6,000) is 200% of the $3,000 annual cap

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $3,000/annual, then base rate

      QFC Rewards World Elite Mastercard®
      11

      QFC Rewards World Elite Mastercard®

      Usbank

      5x points on Grocery Stores

      Why this card

      1. 1.Official cobrand card — earns rewards on all purchases
      2. 2.5x on Supermarkets ($180/yr on $6,000 spend)

      No annual fee

      Your spend ($6,000) is 200% of the $3,000 annual cap

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $3,000/annual, then base rate

      Bilt Obsidian Card
      12

      Bilt Obsidian Card

      Cardless

      3x Bilt Rewards on Grocery Stores
      3x × 2.0¢/pt = 6.0¢ per dollar

      Why this card

      1. 1.3x on Supermarkets — points worth 2.0¢ each ($360/yr on $6,000 spend)
      MASTERCARD
      Core Rate
      6.0¢
      per dollar on grocery stores
      $95/yr
      Annual rewards$360
      \u2212 Annual fee$95
      Net annual value$265

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

      Blue Cash Preferred Card from American Express
      13

      Blue Cash Preferred Card from American Express

      Amex

      6x Cashback on Grocery Stores
      6x × 1.0¢/pt = 6.0¢ per dollar

      Why this card

      1. 1.6x on Supermarkets — points worth 1.0¢ each ($360/yr on $6,000 spend)

      $120 in credits fully offsets the $95 fee

      Your spend ($6,000) is 100% of the $6,000 annual cap

      AMEX
      Core Rate
      6.0¢
      per dollar on grocery stores
      $95/yr (Y1 waived)($120 in credits)
      Annual rewards$360
      + Credits$120
      \u2212 Annual fee$95
      Net annual value$385

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

      Discover it Student Cash Back
      14

      Discover it Student Cash Back

      Discover

      5% cash back on Grocery Stores

      Why this card

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

      No annual fee

      Your spend ($6,000) is 100% of the $6,000 annual cap

      Promotional rate — may be time-limited

      Enrollment or activation may be required for this rate

      DISCOVER
      Promotional
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$300
      Net annual value$300

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

      Citi Custom Cash Card
      15

      Citi Custom Cash Card

      Citi

      5% cash back on Grocery Stores

      Why this card

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

      No annual fee

      Your spend ($6,000) is 100% of the $6,000 annual cap

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee($30 in credits)
      Annual rewards$300
      + Credits$30
      Net annual value$330

      Bonus rate on first $500/monthly, then base rate

      NHL® Discover It®
      16

      NHL® Discover It®

      Discover

      5x points on Grocery Stores

      Why this card

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

      No annual fee

      Your spend ($6,000) is 100% of the $6,000 annual cap

      DISCOVER
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$300
      Net annual value$300

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

      Amex EveryDay® Preferred
      17

      Amex EveryDay® Preferred

      Amex

      3x Membership 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 ($324/yr on $6,000 spend)

      Your spend ($6,000) is 100% of the $6,000 annual cap

      AMEX
      Core Rate
      5.4¢
      per dollar on grocery stores
      $95/yr
      Annual rewards$324
      \u2212 Annual fee$95
      Net annual value$229

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

      No image
      18

      Verizon Visa Card

      Synchrony

      4% cash back on Grocery Stores

      Why this card

      1. 1.4% cash back on Supermarkets ($240/yr on $6,000 spend)
      2. 2.Auto pay, auto save

      No annual fee

      VISA
      Core Rate
      4.0¢
      per dollar on grocery stores
      No annual fee($8 in credits)
      Annual rewards$240
      + Credits$8
      Net annual value$248
      No image
      19

      Wyndham Rewards Earner Plus Card

      Barclays

      4x Wyndham Rewards on Grocery Stores
      4x × 1.0¢/pt = 4.0¢ per dollar

      Why this card

      1. 1.4x on Supermarkets — points worth 1.0¢ each ($240/yr on $6,000 spend)

      $8 in credits offset the $75 fee

      VISA
      Core Rate
      4.0¢
      per dollar on grocery stores
      $75/yr($8 in credits)
      Annual rewards$240
      + Credits$8
      \u2212 Annual fee$75
      Net annual value$173
      No image
      20

      SoFi Smart Card

      Sofi

      5x points on Grocery Stores

      Why this card

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

      No annual fee

      MASTERCARD
      Core Rate
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$300
      Net annual value$300
      Pottery Barn Key Rewards Visa
      21

      Pottery Barn Key Rewards Visa

      Capital One

      4x points on Grocery Stores

      Why this card

      1. 1.4x on Supermarkets ($240/yr on $6,000 spend)

      No annual fee

      VISA
      Core Rate
      4.0¢
      per dollar on grocery stores
      No annual fee($8 in credits)
      Annual rewards$240
      + Credits$8
      Net annual value$248
      Citi Strata Premier Card
      22

      Citi Strata Premier Card

      Citi

      3x ThankYou Points on Grocery Stores
      3x × 1.5¢/pt = 4.5¢ per dollar

      Why this card

      1. 1.3x on Supermarkets — points worth 1.5¢ each ($270/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings

      $50 in credits offset the $95 fee

      MASTERCARD
      Core Rate
      4.5¢
      per dollar on grocery stores
      $95/yr($50 in credits)
      Annual rewards$270
      + Credits$50
      \u2212 Annual fee$95
      Net annual value$225
      BMO Premium Rewards Mastercard®
      23

      BMO Premium Rewards Mastercard®

      Bmo

      4x points on Grocery Stores

      Why this card

      1. 1.4x on Supermarkets ($240/yr on $6,000 spend)

      Your spend ($6,000) is 75% of the $8,000 annual cap

      MASTERCARD
      Core Rate
      4.0¢
      per dollar on grocery stores
      $95/yr
      Annual rewards$240
      \u2212 Annual fee$95
      Net annual value$145

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

      Rakuten American Express Card
      24

      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 ($188/yr on $6,000 spend)
      2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value

      No annual fee

      AMEX
      Convertible
      Core Rate
      2.0–4.0¢
      per dollar on grocery stores
      depending on redemption
      No annual fee
      Annual rewards$188
      Net annual value$188
      Discover it Cash Back
      25

      Discover it Cash Back

      Discover

      5x Cashback on Grocery Stores
      5x × 1.0¢/pt = 5.0¢ per dollar

      Why this card

      1. 1.5x on Supermarkets — points worth 1.0¢ each ($300/yr on $6,000 spend)

      No annual fee

      Your spend ($6,000) is 100% of the $6,000 annual cap

      Promotional rate — may be time-limited

      DISCOVER
      Promotional
      5.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$300
      Net annual value$300

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

      No image
      26

      Capital One Venture X Rewards Credit Card

      Capital One

      2x Venture Miles on Grocery Stores
      2x × 1.9¢/pt = 3.1¢ per dollar

      Why this card

        $315 in credits offset the $395 fee

        VISA
        3.1¢
        per dollar on grocery stores
        $395/yr($315 in credits)
        Annual rewards$188.70
        + Credits$315
        \u2212 Annual fee$395
        Net annual value$108.70
        Citi Strata Credit Card
        27

        Citi Strata Credit Card

        Citi

        3x ThankYou Points on Grocery Stores
        3x × 1.5¢/pt = 4.5¢ per dollar

        Why this card

        1. 1.3x on Supermarkets — points worth 1.5¢ each ($270/yr on $6,000 spend)

        No annual fee

        MASTERCARD
        Core Rate
        4.5¢
        per dollar on grocery stores
        No annual fee($162.50 in credits)
        Annual rewards$270
        + Credits$162.50
        Net annual value$432.50
        Gemini Credit Card
        28

        Gemini Credit Card

        Genesis Fs

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

        Why this card

        1. 1.3x on Supermarkets — points worth 1.0¢ each ($180/yr on $6,000 spend)
        2. 2.$30/yr Instacart+ Savings

        No annual fee

        MASTERCARD
        Core Rate
        3.0¢
        per dollar on grocery stores
        No annual fee
        Annual rewards$180
        Net annual value$180
        Birch Lane Mastercard
        29

        Birch Lane Mastercard

        Citi

        3% cash back on Grocery Stores

        Why this card

        1. 1.3% cash back on Supermarkets ($180/yr on $6,000 spend)
        2. 2.$40/yr $40 Off First Order
        3. 3.Free Shipping on Eligible Purchases

        No annual fee

        MASTERCARD
        Core Rate
        3.0¢
        per dollar on grocery stores
        No annual fee
        Annual rewards$180
        Net annual value$180
        Navy Federal More Rewards® Card
        30

        Navy Federal More Rewards® Card

        Navy Federal

        3x Navy Federal Nrewards on Grocery Stores
        3x × 1.0¢/pt = 3.0¢ per dollar

        Why this card

        1. 1.3x on Supermarkets — points worth 1.0¢ each ($180/yr on $6,000 spend)

        No annual fee

        VISA
        Core Rate
        3.0¢
        per dollar on grocery stores
        No annual fee($8 in credits)
        Annual rewards$180
        + Credits$8
        Net annual value$188