Groceries Best credit card for groceries Every card in our verified catalog that multiplies groceries, ranked by what a dollar of groceries spending actually earns. Points and miles are valued at their program’s typical worth (transferable bank points 1.25¢, hotel points as little as 0.5¢), so a big multiplier on a weak currency doesn’t outrank honest cash back. Caps and annual fees are part of the math, not footnotes.
Card Rate Per $100 Cap Annual fee Blue Cash PreferredAmerican Express · 1% after $6,000/yr 6% $6.00 $6,000/yr $95 Amazon Prime VisaChase · Whole Foods Market and Amazon Fresh orders only; requires an eligible Amazon Prime membership, otherwise 3% 5% $5.00 None None Gold CardAmerican Express · U.S. supermarkets; 1x after cap 4× $4.60 $25,000/yr $325 Sapphire PreferredChase · online grocery excl. Target, Walmart, wholesale clubs 3× $3.75 None $95 SavorCapital One · Grocery stores only; excludes superstores like Walmart and Target 3% $3.00 None None Hilton Honors SurpassAmerican Express · U.S. supermarkets only 6× $3.00 None $150 Southwest Rapid Rewards PlusChase · Grocery stores. The $5,000 cap is COMBINED per anniversary year with the gas stations bonus; 1x after the shared cap. 2× $2.70 $5,000/yr $99 Hilton HonorsAmerican Express · U.S. supermarkets only; superstores/warehouse clubs excluded 5× $2.50 None None Delta SkyMiles GoldAmerican Express · U.S. supermarkets only; excludes superstores/warehouse clubs such as Walmart and Target 2× $2.40 None $150 Delta SkyMiles PlatinumAmerican Express · U.S. supermarkets only 2× $2.40 None $350 Marriott Bonvoy BoundlessChase · Grocery stores; $6,000 annual cap is COMBINED with dining and gas (transit) 3X categories, then drops to 2X. 3× $2.10 $6,000/yr $95 Customized Cash RewardsBank of America · Automatic, no selection needed: grocery stores and wholesale clubs. Shares the same $2,500/quarter combined cap with the choice category. 2% $2.00 $2,500/qtr None Altitude GoU.S. Bank · Grocery stores and grocery delivery. Excludes discount stores/supercenters (e.g. Walmart, Target) and wholesale clubs, per the Sept 9, 2024 terms change. 2× $2.00 None None
The real answer depends on what else you spend This table ranks cards in isolation. Connect your bank and WhatCard ranks them against your actual spending, net of every fee, including when the answer is “keep the cards you have.”
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