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Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
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kroger pay

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About
  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
  • Cookie Policy

Results from

$6,000

Scoring mode

Options

Point valuation

Booking

Rewards

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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

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
No image
19

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
Citi Strata Premier Card
20

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
No image
21

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
Pottery Barn Key Rewards Visa
22

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
Discover it Cash Back
23

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

BMO Premium Rewards Mastercard®
24

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

Citi Strata Credit Card
25

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
Birch Lane Mastercard
26

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
The Key Rewards Visa
27

The 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
West Elm Key Rewards Visa
28

West Elm 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
Williams Sonoma Key Rewards Visa
29

Williams Sonoma 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
Rakuten American Express Card
30

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

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:
50 matches1032ms
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

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
No image
19

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
Citi Strata Premier Card
20

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
No image
21

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
Pottery Barn Key Rewards Visa
22

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
Discover it Cash Back
23

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

BMO Premium Rewards Mastercard®
24

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

Citi Strata Credit Card
25

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
Birch Lane Mastercard
26

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
The Key Rewards Visa
27

The 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
West Elm Key Rewards Visa
28

West Elm 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
Williams Sonoma Key Rewards Visa
29

Williams Sonoma 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
Rakuten American Express Card
30

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

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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

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
No image
19

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
Citi Strata Premier Card
20

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
No image
21

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
Pottery Barn Key Rewards Visa
22

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
Discover it Cash Back
23

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

BMO Premium Rewards Mastercard®
24

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

Citi Strata Credit Card
25

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
Birch Lane Mastercard
26

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
The Key Rewards Visa
27

The 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
West Elm Key Rewards Visa
28

West Elm 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
Williams Sonoma Key Rewards Visa
29

Williams Sonoma 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
Rakuten American Express Card
30

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