Skip to main content
CardCurator — Rewards Intelligence
Groceries

Best Credit Card for Groceries

Compare the top credit cards for grocery stores, supermarkets, and warehouse clubs and find which one earns the most rewards.

Grocery stores represent 15–20% of most households' annual spending, making this the highest-value bonus category for everyday earners. Top cards earn 4–6x at U.S. supermarkets — that's $400–$600 per year on a $500/month grocery budget.

Top Pick

Best Pick
Blue Cash Preferred Card from American Express card art
American Express Membership Rewards

Blue Cash Preferred Card from American Express

6x
points per dollar
12.0%
effective return
$95/yr
annual fee

6x on U.S. Supermarkets

Note: This card has a $6,000 annual spending cap for U.S. Supermarkets. Earnings above this amount will be at the base rate.

Apply Now More Info

More Good Options

  • Bilt Obsidian Card card art
    Bilt Rewards
    Bilt Obsidian Card
    3x
    pts/dollar
    6.0%
    return

    3x on Groceries

    Learn more →
  • Credit One Bank Platinum X5 Visa Signature card art
    Credit One Bank Cash Back
    Credit One Bank Platinum X5 Visa Signature
    5x
    pts/dollar
    5.0%
    return

    5x on Groceries

    Learn more →
  • Aeroplan Card card art
    Air Canada Aeroplan
    Aeroplan Card
    3x
    pts/dollar
    4.7%
    return

    3x on purchases made directly with Air Canada, dining at restaurants, including takeout and eligible delivery services, grocery stores

    Learn more →
  • Citi Strata card art
    Citi ThankYou Points
    Citi Strata
    3x
    pts/dollar
    4.5%
    return

    3x on Supermarkets

    Learn more →
Compare these 3 cards side by side

Rewards Calculator

$ / month

Enter a monthly spend amount above to see estimated annual rewards per card.

Common Questions

What is the best credit card for Groceries?

The Blue Cash Preferred Card from American Express is currently the top pick for grocery stores, supermarkets, and warehouse clubs, earning 6x points per dollar — an effective 12.0% return.

How many points do you earn on Groceries purchases?

The top-rated card for grocery stores, supermarkets, and warehouse clubs, the Blue Cash Preferred Card from American Express, earns 6x per dollar — an effective return of 12.0%.

Is there a no-annual-fee card that earns rewards on Groceries?

Yes — the Citi Strata earns 3x on grocery stores, supermarkets, and warehouse clubs with no annual fee (4.5% effective return).

Is a premium card worth the annual fee for Groceries spending?

Whether a premium card pays off depends on your total spending across all categories, not just groceries. Premium cards typically include travel credits, lounge access, and other perks that can exceed their annual fee.

Which card earns the most if I spend $500 per month on Groceries?

Blue Cash Preferred Card from American Express: $720/yr, Bilt Obsidian Card: $360/yr, Credit One Bank Platinum X5 Visa Signature: $300/yr. The Blue Cash Preferred Card from American Express earns the most at $500/month.

Do rotating category cards earn on Groceries?

Some cards — like Chase Freedom Flex and Discover it — occasionally feature groceries as a 5% bonus category for one quarter per year. Year-round, a dedicated groceries card typically outperforms rotating category cards since you can't always count on the bonus.

Related categories