1
Best no-fee pick
Chase Freedom Flex
5% on Grocery Stores — up to $1,500 in combined quarterly bonus-category spend, activation requiredUltimate Rewards🔥 Active now through December 31, 2026
Best Credit Cards for Groceries
Top cards for supermarket spend — from high flat-rate earners to tiered rewards at U.S. grocery stores. Excludes Walmart, Target, and wholesale clubs.
Excludes Walmart, Target & wholesale clubs
3.7%
Avg no-fee back
4.3%
Avg with-fee back
6%
Best rate available
$172
Avg with-fee cost/yr
Spend about $25,750/yr in this category for the with-fee pick's extra rate to earn back its annual fee.
The short answer
Top picks — no annual fee
Keep forever · $0/yr2
Runner-up
AmEx Blue Cash Everyday
3x U.S. supermarkets (up to $6,000/yr)Reward Dollars
3
Also good
Capital One Savor
3x groceries — year-round, no activation requiredCash Back
4
Also good
Citi Custom Cash
No longer accepting applications5x on top eligible category — up to $500/moThankYou Points
Top picks — with annual fee
Pays for itself if used right1
Best overall
AmEx Gold
4x U.S. supermarkets (up to $25,000/yr)Membership Rewards$325/yr
2
Best value
Citi Strata Premier
3x supermarketsThankYou Points$95/yr
3
Also good
AmEx Blue Cash Preferred
6x U.S. supermarkets (up to $6,000/yr)Reward Dollars$95/yr
Honorable mentions
Annual fee
Reward type
Card type
Card network
16 cards
#1
Marriott Bonvoy Boundless
Loyalty Points
3x Groceries
- 17x Marriott
- 3x Groceries
- 3x Gas
- 3x Dining
- 2x everything else
Click to see redemption options
3 Free Night Awards after $3,000 in 3 months
#2
Hilton Honors Surpass
Loyalty Points
6x Supermarkets
- 12x Hilton
- 6x Restaurants
- 6x Supermarkets
- 6x Gas
- 4x US Online Retail
- 3x everything else
Click to see redemption options
155,000 points after $3,000 in 6 months
#3
Citi Strata Premier
Transferable Points
3x Supermarkets
- 10x Hotels/Cars/Attractions via CitiTravel
- 3x Restaurants
- 3x Supermarkets
- 3x Gas
- 3x Air Travel
- 3x Hotels
- 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
#4
Blue Cash Preferred
Cash Back
6x US Supermarkets (up to $6k/yr)
- 6x US Supermarkets (up to $6k/yr)
- 6x Streaming
- 3x Transit
- 3x US Gas
- 1x everything else
Click to see redemption options
$300 after $3,000 in 6 months
#5
Citi Custom Cash
No FeeCash Back
1x everything else
- 5x on top spend category (up to $500/mo)
- 1x everything else
Click to see redemption options
$200 after $1,500 in 3 months
#6
Discover It Cash Back
No FeeCash Back
1x everything else
- 5x Rotating categories (up to $1,500/qtr)
- 1x everything else
Click to see redemption options
Cashback Match at end of year 1
#7
Prime Visa
No FeeCash Back
5x Amazon & Whole Foods (Prime members)
- 5x Amazon & Whole Foods (Prime members)
- 3x Amazon & Whole Foods (non-Prime)
- 2x Restaurants
- 2x Gas
- 2x Transit
- 1x everything else
Click to see redemption options
$100 gift card on approval
#8
AAA Daily Advantage Visa Signature
No FeeCash Back
5% Grocery Stores
- 5% Grocery Stores
- 3% Gas Stations & EV Charging
- 3% Wholesale Clubs (incl. Costco)
- 3% Streaming Services
- 3% Pharmacies
- 3% AAA Purchases
- 1% All Other Purchases
Click to see redemption options
$100 statement credit after spending $1,000 in the first 90 days.
#9
AAA Travel Advantage Visa Signature
No FeeCash Back
3x Grocery Stores
- 5% Gas Stations & EV Charging (up to $7,000/yr, then 1%)
- 3x Flights
- 3x Hotels
- 3x Dining
- 3x Grocery Stores
- 3x Other Travel Purchases
- 3x AAA Purchases
Click to see redemption options
$100 statement credit after spending $1,000 in the first 90 days.
#10
Chase Sapphire Preferred
Transferable Points
3x Online Groceries
- 5x Travel via Chase
- 5x Lyft
- 3x Dining
- 3x Online Groceries
- 3x Streaming
- 3x Gas & EV Charging
- 3x Vacation Rentals
- 2x Travel
- 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
#11
American Express Gold Card
Transferable Points
4x US Supermarkets (up to $25k/yr)
- 4x Dining
- 4x US Supermarkets (up to $25k/yr)
- 3x Flights
- 1x everything else
Click to see redemption options
60,000 points after $6,000 in 6 months
#12
Blue Cash Everyday
No FeeCash Back
3x US Supermarkets (up to $6k/yr)
- 3x US Online Retail (up to $6k/yr)
- 3x US Supermarkets (up to $6k/yr)
- 3x US Gas
- 1x everything else
Click to see redemption options
$200 after $2,000 in 6 months
#13
Capital One Savor
No FeeCash Back
3x Groceries
- 3x Dining
- 3x Entertainment
- 3x Streaming
- 3x Groceries
- 8x Capital One Entertainment
- 5x Hotels/Cars via C1
- 1x everything else
Click to see redemption options
$200 after $500 in 3 months
#14
Navy Federal More Rewards American Express
No FeeLoyalty Points
3x Supermarkets
- 3x Restaurants & Food Delivery
- 3x Supermarkets
- 3x Gas Stations & Transit
- 1x everything else
Click to see redemption options
20,000 points after $2,000 in 90 days
#15
BILT Obsidian Mastercard
Transferable Points
3x Dining or Grocery (grocery capped $25k/yr)
- 3x Dining or Grocery (grocery capped $25k/yr)
- 2x Travel
- 1x Rent (no processing fee — 5 transactions required per statement)
- 1x everything else
Click to see redemption options
$200 BILT Cash on opening
#16
Delta SkyMiles Gold
Loyalty Points
2x Groceries
- 2x Delta
- 2x Dining
- 2x Groceries
- 1x everything else
Click to see redemption options
70,000 SkyMiles after $3,000 in 6 months
Not sure which one fits you?
Our free quiz matches you to the right card based on your actual spending, credit score, and goals — in about 2 minutes.
Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
Credit card names, trademarks, and brand assets referenced on this page are the property of their respective issuers. He’s Got a Point is not affiliated with, endorsed by, or sponsored by any card issuer.