Best Credit Card For Groceries

You want to maximize the return on your Groceries credit card spends. Since not all points are of equal value, we give the best multipliers based on the value of those points.
Since you probably spend thousands of dollars every year at grocery stores, you should probably have a go-to card. You'll rack up points with purchases made directly with stores having the Supermarket merchant code such as: Gristedes, Foodtown, Food Lion, Meijer, Shoprite, Stop and Shop, Vons, Whole Foods, Winn-Dixie. Purchases from smaller vendors with a matching business categories are included. Superstores such as Wal-Mart, and Warehouse clubs such as Costco are excluded. In our rankings the (+) versions have both solid category multipliers and signup bonuses. (-) versions have limitations to be aware of.
Discover It Cash Back Discover It Cash Back
5X | 5.0 Per Dollar Spent
Quarterly category, ends March 31st. Purchases Include those made at supermarkets, meat lockers, bakeries, smaller grocery stores, and grocery delivery services.
Cash in Cents »
Point System
Discover »
Bank
$2
1st Year Value
1
Bonus Points
$1
Minimum Spend
1.0¢
Max Point Value
1.0¢
Max Point Value
Card Details
Chase Sapphire Preferred Chase Sapphire Preferred
3X | 4.8 Per Dollar Spent
3x on Online Grocery. This includes purchases for pickup & delivery placed online with grocery stores, specialty food stores or delivery service merchants that classify as grocery stores (excluding membership fees, Walmart, Target, Costco & BJs)
Chase Ultimate Rewards »
Point System
JP Morgan Chase »
Bank
$1,178
1st Year Value
75,000
Bonus Points
$5,000
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value
Card Details
Citi Strata Premier Citi Strata Premier
3X | 4.8 Per Dollar Spent
Excludes warehouse stores and superstores.
Citi ThankYou Rewards »
Point System
CitiBank »
Bank
$921
1st Year Value
60,000
Bonus Points
$4,000
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value
Card Details
Explore More Spend Categories

Our Top Selections for Groceries (+)

Multiplier Point Value Per $ Spent
Discover It Cash Back Discover It Cash Back

Quarterly category, ends March 31st. Purchases Include those made at supermarkets, meat lockers, bakeries, smaller grocery stores, and grocery delivery services.

 5x 1.0¢ 5.0¢
Chase Sapphire Preferred Chase Sapphire Preferred

3x on Online Grocery. This includes purchases for pickup & delivery placed online with grocery stores, specialty food stores or delivery service merchants that classify as grocery stores (excluding membership fees, Walmart, Target, Costco & BJs)

 3x 1.6¢ 4.8¢
Citi Strata Premier Citi Strata Premier

Excludes warehouse stores and superstores.

 3x 1.6¢ 4.8¢
Chase Aeroplan Chase Aeroplan

Excluding Target and Walmart

 3x 1.4¢ 4.2¢
Wyndham Rewards Earner Plus Wyndham Rewards Earner Plus

Excludes Target and Walmart.

 4x 1.0¢ 4.0¢
Citi Double Cash Citi Double Cash

All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off

 2x 1.6¢ 3.2¢
Hawaiian Airlines Hawaiian Airlines 2x 1.6¢ 3.2¢
Capital One Savor Capital One Savor

Excludes Target and Walmart

 3x 1.0¢ 3.0¢
Discover It Miles Discover It Miles

1.5x back on statement plus 1.5x matching at the end of year one only

 3x 1.0¢ 3.0¢
Citi American Airlines AAdvantage MileUp Citi American Airlines AAdvantage MileUp 2x 1.4¢ 2.8¢
Marriott Bonvoy Bountiful Marriott Bonvoy Bountiful

Up to $15000 in combined purchases within your first 6 months from account opening

 4x 0.7¢ 2.8¢
JetBlue JetBlue 2x 1.3¢ 2.6¢
JetBlue Plus JetBlue Plus 2x 1.3¢ 2.6¢
JetBlue Premier JetBlue Premier 2x 1.3¢ 2.6¢
Wells Fargo Active Cash Wells Fargo Active Cash

2% cash back on all purchases

 2x 1.3¢ 2.6¢
US Bank Altitude Connect US Bank Altitude Connect

Excludes Purchases at delivery from discount/retail stores

2x 1.1¢ 2.2¢
US Bank Altitude Go US Bank Altitude Go 2x 1.1¢ 2.2¢
Bank of America Customized Cash Rewards Bank of America Customized Cash Rewards 2x 1.0¢ 2.0¢
Wyndham Rewards Earner Wyndham Rewards Earner

Excludes Target and Walmart

2x 1.0¢ 2.0¢
IHG One Rewards Traveler IHG One Rewards Traveler

Excludes warehouse clubs, discount stores.

 3x 0.6¢ 1.8¢
Bank of America Travel Rewards Bank of America Travel Rewards 1.5x 1.0¢ 1.5¢
Marriott Bonvoy Bold Marriott Bonvoy Bold 2x 0.7¢ 1.4¢

Other Cards with Solid Value for Groceries (=)

Multiplier Point Value Per $ Spent
Citi Custom Cash Citi Custom Cash

Auto-selects the top spend categories for 5x points. Includes: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment

 5x 1.6¢ 8.0¢
Capital One Spark Cash Business Capital One Spark Cash Business

2% cash back on all purchases

 2x 1.3¢ 2.6¢
US Bank Business Leverage US Bank Business Leverage

On two highest categories per statement.

 2x 1.1¢ 2.2¢
US Bank Cash Plus US Bank Cash Plus

Must choose either Gas Stations, Grocery Stores or Restaurants.

 2x 1.1¢ 2.2¢

Cards Offering Some Value for Groceries with Limitations (-)

Multiplier Point Value Per $ Spent
Amazon Business Prime Amazon Business Prime

Earn 5% back on Whole Foods Market purchases with an eligible Prime membership

 5x 0.8¢ 4.0¢
Amazon Prime Amazon Prime

Earn 5% back on Whole Foods Market purchases with an eligible Prime membership

 5x 0.8¢ 4.0¢