Best Credit Card for Whole Foods
Compare the top credit cards for Whole Foods Market purchases and find which one earns the most rewards.
Whole Foods is an Amazon property, so Amazon Prime cardholders earn 5% back here — making it one of the best per-dollar returns in grocery shopping. Non-Prime members should use a card with a strong U.S. supermarkets bonus.
Top Pick
Blue Cash Preferred Card from American Express
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.
More Good Options
Credit One Bank Cash BackCredit One Bank Platinum X5 Visa Signature5xpts/dollar5.0%return5x on Groceries
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Air Canada AeroplanAeroplan Card3xpts/dollar4.7%return3x on purchases made directly with Air Canada, dining at restaurants, including takeout and eligible delivery services, grocery stores
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Rewards Calculator
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Common Questions
What is the best credit card for Whole Foods?
The Blue Cash Preferred Card from American Express is currently the top pick for Whole Foods Market purchases, earning 6x points per dollar — an effective 12.0% return.
How many points do you earn on Whole Foods purchases?
The top-rated card for Whole Foods Market purchases, 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 Whole Foods?
Yes — the Prime Visa earns 5x on Whole Foods Market purchases with no annual fee (5.0% effective return).
Is a premium card worth the annual fee for Whole Foods spending?
Whether a premium card pays off depends on your total spending across all categories, not just whole foods. 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 Whole Foods?
Blue Cash Preferred Card from American Express: $720/yr, Bilt Obsidian Card: $360/yr, Prime Visa: $300/yr. The Blue Cash Preferred Card from American Express earns the most at $500/month.
Do rotating category cards earn on Whole Foods?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature whole foods as a 5% bonus category for one quarter per year. Year-round, a dedicated whole foods card typically outperforms rotating category cards since you can't always count on the bonus.