Best Credit Card for Grocery Stores
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.
Our Top Selections for Grocery Stores (+)
Multiplier | Point Value | Per $ Spent | ||
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Amex Blue Cash Preferred at U.S. supermarkets (up to $6,000 a year) |
6x | 1.0¢ | 6.0¢ |
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Amex Gold Earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases. |
4x | 1.4¢ | 5.6¢ |
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Citi Strata Premier Excludes warehouse stores and superstores. |
3x | 1.2¢ | 3.6¢ |
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Marriott Bonvoy Bountiful Up to $15000 in combined purchases within your first 6 months from account opening |
4x | 0.7¢ | 2.8¢ |
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Marriott Bonvoy Boundless Up to $6000 in combined purchases within your first 6 months from account opening |
3x | 0.7¢ | 2.1¢ |
Other Cards with Solid Value for Grocery Stores (=)
Multiplier | Point Value | Per $ Spent | ||
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Chase Freedom Flex Quarterly category, ends March 31 Excluding Walmart & Target |
5x | 1.6¢ | 8.0¢ |
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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 | 1.2¢ | 6.0¢ |
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Chase Aeroplan Excluding Target and Walmart |
3x | 1.4¢ | 4.2¢ |
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Wyndham Rewards Earner Plus Excludes Target and Walmart. |
4x | 1.0¢ | 4.0¢ |
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Hilton Honors Surpass Only supermarkets located in the United States. |
6x | 0.6¢ | 3.6¢ |
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Amex Blue Cash Everyday at U.S. supermarkets (up to $6,000 a year) |
3x | 1.0¢ | 3.0¢ |
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Capital One Savor Excludes Target and Walmart |
3x | 1.0¢ | 3.0¢ |
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Hilton Honors Only supermarkets located in the United States. |
5x | 0.6¢ | 3.0¢ |
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Marriott Bonvoy Bevy Purchases directly from U.S. Grocery Stores |
4x | 0.7¢ | 2.8¢ |
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Wells Fargo Active Cash 2% cash back on all purchases |
2x | 1.4¢ | 2.8¢ |
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Citi Rewards Plus up to $6,000 per year in purchases |
2x | 1.2¢ | 2.4¢ |
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Delta SkyMiles Gold Only in US Supermarkets. |
2x | 1.2¢ | 2.4¢ |
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Delta SkyMiles Platinum Only in US Supermarkets. |
2x | 1.2¢ | 2.4¢ |
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JetBlue | 2x | 1.2¢ | 2.4¢ |
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JetBlue Plus | 2x | 1.2¢ | 2.4¢ |
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Capital One Spark Cash 2% cash back on all purchases |
2x | 1.1¢ | 2.2¢ |
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Capital One Spark Cash Plus 2% cash back on all purchases |
2x | 1.1¢ | 2.2¢ |
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US Bank Altitude Connect Excludes Purchases at delivery from discount/retail stores |
2x | 1.1¢ | 2.2¢ |
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US Bank Altitude Go | 2x | 1.1¢ | 2.2¢ |
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Citi Double Cash All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off |
2x | 1.0¢ | 2.0¢ |
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Wyndham Rewards Earner Excludes Target and Walmart |
2x | 1.0¢ | 2.0¢ |
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IHG One Rewards Traveler Excludes warehouse clubs, discount stores. |
3x | 0.6¢ | 1.8¢ |
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Bank of America Travel Rewards | 1.5x | 1.0¢ | 1.5¢ |
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Marriott Bonvoy Bold | 2x | 0.7¢ | 1.4¢ |
Cards Offering Some Value for Grocery Stores with Limitations (-)
Multiplier | Point Value | Per $ Spent | ||
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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¢ |
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Amazon Business Prime Earn 5% back on Whole Foods Market purchases with an eligible Prime membership |
5x | 0.7¢ | 3.5¢ |
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Amazon Prime Earn 5% back on Whole Foods Market purchases with an eligible Prime membership |
5x | 0.7¢ | 3.5¢ |
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Discover It Miles 1.5x back on statement plus 1.5x matching at the end of year one only |
3x | 1.0¢ | 3.0¢ |
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Citi American Airlines AAdvantage MileUp | 2x | 1.4¢ | 2.8¢ |
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JetBlue Premier | 2x | 1.2¢ | 2.4¢ |
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US Bank Business Leverage On two highest categories per statement. |
2x | 1.1¢ | 2.2¢ |
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US Bank Cash Plus Must choose either Gas Stations, Grocery Stores or Restaurants. |
2x | 1.0¢ | 2.0¢ |