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
8 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
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
#6
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
#7
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
#8
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.
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