Card ranking

The best credit cards for groceries.

Top US credit cards ranked by effective return on groceries — multiplier × point value. Cards earning a baseline 1% return (or less) are excluded as uninteresting.

Top 28Updated May 31, 2026

1
American Express Gold Card
American Express · $325/yr · Amex Membership Rewards
US supermarkets, up to $25K/yr
Effective
8.00%
4x · 2.00¢/pt
Should I get this? Issuer page
2
Blue Cash Preferred Card from American Express
American Express · $95/yr · Cash Back
US supermarkets, up to $6K/yr then 1%
Effective
6.00%
6x · 1.00¢/pt
Should I get this? Issuer page
3
Ink Business Cash Credit Card
Chase · $0/yr · Chase Ultimate Rewards
Office supply stores, internet/cable/phone; first $25K/yr
Effective
5.00%
5x · 1.00¢/pt
Should I get this? Issuer page
4
Citi Custom Cash Card
Citi · $0/yr · Citi ThankYou Points
If top category
Effective
5.00%
5x · 1.00¢/pt
Should I get this? Issuer page
5
Discover it Cash Back
Discover · $0/yr · Cash Back
If rotating category that quarter
Effective
5.00%
5x · 1.00¢/pt
Should I get this? Issuer page
6
Citi Strata Premier Card
Citi · $95/yr · Citi ThankYou Points
US supermarkets
Effective
4.80%
3x · 1.60¢/pt
Should I get this? Issuer page
7
Aeroplan Credit Card
Chase · $95/yr · Air Canada Aeroplan
Effective
4.50%
3x · 1.50¢/pt
Should I get this? Issuer page
8
Marriott Bonvoy Bountiful Credit Card
Chase · $250/yr · Marriott Bonvoy
First $15K/yr combined with dining
Effective
3.20%
4x · 0.80¢/pt
Should I get this? Issuer page
9
Marriott Bonvoy Bevy American Express Card
American Express · $250/yr · Marriott Bonvoy
Up to $15K/yr combined with dining
Effective
3.20%
4x · 0.80¢/pt
Should I get this? Issuer page
10
Chase Freedom Unlimited
Chase · $0/yr · Chase Ultimate Rewards
Drugstores included
Effective
3.00%
3x · 1.00¢/pt
Should I get this? Issuer page
11
Chase Freedom Flex
Chase · $0/yr · Chase Ultimate Rewards
Drugstores included
Effective
3.00%
3x · 1.00¢/pt
Should I get this? Issuer page
12
Blue Cash Everyday Card from American Express
American Express · $0/yr · Cash Back
US supermarkets, up to $6K/yr then 1%
Effective
3.00%
3x · 1.00¢/pt
Should I get this? Issuer page
13
Hilton Honors American Express Surpass Card
American Express · $150/yr · Hilton Honors
Effective
3.00%
6x · 0.50¢/pt
Should I get this? Issuer page
14
Capital One Savor Cash Rewards Credit Card
Capital One · $0/yr · Cash Back
Effective
3.00%
3x · 1.00¢/pt
Should I get this? Issuer page
15
Capital One SavorOne Cash Rewards Credit Card
Capital One · $0/yr · Cash Back
Effective
3.00%
3x · 1.00¢/pt
Should I get this? Issuer page
16
Citi / AAdvantage MileUp Card
Citi · $0/yr · AAdvantage Miles
US supermarkets
Effective
2.80%
2x · 1.40¢/pt
Should I get this? Issuer page
17
Southwest Rapid Rewards Plus Credit Card
Chase · $99/yr · Southwest Rapid Rewards
First $5K/yr combined with gas
Effective
2.60%
2x · 1.30¢/pt
Should I get this? Issuer page
18
Southwest Rapid Rewards Premier Credit Card
Chase · $149/yr · Southwest Rapid Rewards
First $8K/yr combined
Effective
2.60%
2x · 1.30¢/pt
Should I get this? Issuer page
19
JetBlue Plus Card
Barclays · $99/yr · JetBlue TrueBlue
Effective
2.60%
2x · 1.30¢/pt
Should I get this? Issuer page
20
Hilton Honors American Express Card
American Express · $0/yr · Hilton Honors
Effective
2.50%
5x · 0.50¢/pt
Should I get this? Issuer page
21
Marriott Bonvoy Boundless Credit Card
Chase · $95/yr · Marriott Bonvoy
First $6,000/yr, then 2x
Effective
2.40%
3x · 0.80¢/pt
Should I get this? Issuer page
22
Delta SkyMiles Gold American Express Card
American Express · $150/yr · Delta SkyMiles
US supermarkets
Effective
2.40%
2x · 1.20¢/pt
Should I get this? Issuer page
23
Costco Anywhere Visa Card by Citi
Citi · $0/yr · Cash Back
Costco and all other eligible purchases
Effective
2.00%
2x · 1.00¢/pt
Should I get this? Issuer page
24
Citi Rewards+ Card
Citi · $0/yr · Citi ThankYou Points
US supermarkets, up to $6K/yr
Effective
2.00%
2x · 1.00¢/pt
Should I get this? Issuer page
25
Bank of America Customized Cash Rewards Credit Card
Bank of America · $0/yr · Cash Back
Warehouse clubs included
Effective
2.00%
2x · 1.00¢/pt
Should I get this? Issuer page
26
U.S. Bank Altitude Connect Visa Signature Card
U.S. Bank · $95/yr · US Bank Altitude Points
Effective
2.00%
2x · 1.00¢/pt
Should I get this? Issuer page
27
U.S. Bank Altitude Go Visa Signature Card
U.S. Bank · $0/yr · US Bank Altitude Points
Effective
2.00%
2x · 1.00¢/pt
Should I get this? Issuer page
28
Marriott Bonvoy Bold Credit Card
Chase · $0/yr · Marriott Bonvoy
Grocery, streaming, rideshare, food delivery
Effective
1.60%
2x · 0.80¢/pt
Should I get this? Issuer page

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American Express Gold Card

Blue Cash Preferred Card from American Express

Ink Business Cash Credit Card

Citi Custom Cash Card

Discover it Cash Back

Citi Strata Premier Card

Aeroplan Credit Card

Marriott Bonvoy Bountiful Credit Card

Marriott Bonvoy Bevy American Express Card

Chase Freedom Unlimited

Chase Freedom Flex

Blue Cash Everyday Card from American Express

Hilton Honors American Express Surpass Card

Capital One Savor Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Citi / AAdvantage MileUp Card

Southwest Rapid Rewards Plus Credit Card

Southwest Rapid Rewards Premier Credit Card

JetBlue Plus Card

Hilton Honors American Express Card

Marriott Bonvoy Boundless Credit Card

Delta SkyMiles Gold American Express Card

Costco Anywhere Visa Card by Citi

Citi Rewards+ Card

Bank of America Customized Cash Rewards Credit Card

U.S. Bank Altitude Connect Visa Signature Card

U.S. Bank Altitude Go Visa Signature Card

Marriott Bonvoy Bold Credit Card