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
Amex Blue Cash Preferred Amex Blue Cash Preferred

at U.S. supermarkets (up to $6,000 a year)

6x 1.0¢ 6.0¢
Amex Gold 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¢
Citi Strata Premier Citi Strata Premier

Excludes warehouse stores and superstores.

3x 1.2¢ 3.6¢
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¢
Marriott Bonvoy Boundless 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
Chase Freedom Flex Chase Freedom Flex

Quarterly category, ends March 31 Excluding Walmart & Target

5x 1.6¢ 8.0¢
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 1.2¢ 6.0¢
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¢
Hilton Honors Surpass Hilton Honors Surpass

Only supermarkets located in the United States.

6x 0.6¢ 3.6¢
Amex Blue Cash Everyday Amex Blue Cash Everyday

at U.S. supermarkets (up to $6,000 a year)

3x 1.0¢ 3.0¢
Capital One Savor Capital One Savor

Excludes Target and Walmart

3x 1.0¢ 3.0¢
Hilton Honors Hilton Honors

Only supermarkets located in the United States.

5x 0.6¢ 3.0¢
Marriott Bonvoy Bevy Marriott Bonvoy Bevy

Purchases directly from U.S. Grocery Stores

4x 0.7¢ 2.8¢
Wells Fargo Active Cash Wells Fargo Active Cash

2% cash back on all purchases

2x 1.4¢ 2.8¢
Citi Rewards Plus Citi Rewards Plus

up to $6,000 per year in purchases

2x 1.2¢ 2.4¢
Delta SkyMiles Gold Delta SkyMiles Gold

Only in US Supermarkets.

2x 1.2¢ 2.4¢
Delta SkyMiles Platinum Delta SkyMiles Platinum

Only in US Supermarkets.

2x 1.2¢ 2.4¢
JetBlue JetBlue 2x 1.2¢ 2.4¢
JetBlue Plus JetBlue Plus 2x 1.2¢ 2.4¢
Capital One Spark Cash Capital One Spark Cash

2% cash back on all purchases

2x 1.1¢ 2.2¢
Capital One Spark Cash Plus Capital One Spark Cash Plus

2% cash back on all purchases

2x 1.1¢ 2.2¢
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¢
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 1.0¢ 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¢

Cards Offering Some Value for Grocery Stores with Limitations (-)

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

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

5x 0.7¢ 3.5¢
Amazon Prime Amazon Prime

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

5x 0.7¢ 3.5¢
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¢
JetBlue Premier JetBlue Premier 2x 1.2¢ 2.4¢
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 1.0¢ 2.0¢