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
American Express Gold Card
4x on U.S. Supermarkets
Note: This card has a $25,000 annual spending cap for U.S. Supermarkets. Earnings above this amount will be at the base rate.
Before you click out
- This is the best fit only if you actually spend heavily on groceries.
- Make sure the $325 annual fee still makes sense for your total spend.
- If this is your pick, apply now and keep this page open in another tab for reference.
More Good Options
Credit One Bank Cash BackCredit One Bank Platinum X5 Visa Signature5xpts/dollar5.0%return5x on Groceries
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Wyndham RewardsWyndham Rewards Earner Plus Card4xpts/dollar4.4%return4x on Grocery Stores
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Want broader partner inventory before you commit?
Use the partner marketplace only if you are still in category-browsing mode. If the top pick above already fits, the direct apply path is the cleaner decision.
Rewards Calculator
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Quick summary
A short version of the recommendation with the main numbers and fallback option.
For grocery stores, supermarkets, and warehouse clubs, American Express Gold Card is currently our top overall pick at 4x, which works out to about 8.0% back using CardCurator's current point valuations. 4x on U.S. Supermarkets. If you want a no-annual-fee option, Citi Strata earns 3x there (4.5% effective return). At $500/month of spend, the top card is worth about $480/year before signup bonuses or statement credits. Summary generated September 20, 2026. Source: https://cardcurator.ai/best-credit-card-for/groceries
- American Express Gold Card: 4x and 8.0% effective return.
- At $500/month, that's about $480/year in rewards value before bonuses.
- Citi Strata is the current no-fee fallback at 3x (4.5% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card for Groceries?
The American Express Gold Card is currently the top pick for grocery stores, supermarkets, and warehouse clubs, earning 4x points per dollar — an effective 8.0% return.
How many points do you earn on Groceries purchases?
The top-rated card for grocery stores, supermarkets, and warehouse clubs, the American Express Gold Card, earns 4x per dollar — an effective return of 8.0%.
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?
The American Express Gold Card ($325/yr) earns 4x on grocery stores, supermarkets, and warehouse clubs. If you spend $339/month or more on groceries, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Groceries?
American Express Gold Card: $480/yr, Bilt Obsidian Card: $360/yr, Credit One Bank Platinum X5 Visa Signature: $300/yr. The American Express Gold Card 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.