The best credit cards for groceries
On $6,491 a year of groceries, Amex Gold pays back the most: 4x on up to $25,000 a year, then 1x, about $517 a year (8.0%) at AwardHack's value for its points. Citi Strata (6.9%) and Citi Strata Premier (6.9%) come next. Caps are counted: Bilt Obsidian earns 3x on up to $25,000 a year, then 1x.
Supermarkets. Most cards exclude superstores and warehouse clubs like Walmart, Target and Costco.
Top 10 cards for groceries
Ranked by what $6,491 a year pays back, after any cap.
- 1Amex Gold4x on up to $25,000 a year, then 1x 路 $325 annual fee8.0%$517 a year
- 2Citi Strata3x 路 no annual fee6.9%$446 a year
- 3Citi Strata Premier3x 路 $95 annual fee6.9%$446 a year
- 4Bilt Obsidian3x on up to $25,000 a year, then 1x 路 3x on dining or groceries, whichever you choose 路 $95 annual fee6.1%$399 a year
- 5Wells Fargo Choice Privileges Select5x 路 $95 annual fee5.9%$386 a year
- 6Amex Blue Cash Preferred6% on up to $6,000 a year, then 1% 路 $95 annual fee5.6%$365 a year
- 7Amex Blue Cash Preferred (Morgan Stanley)6% on up to $6,000 a year, then 1% 路 $95 annual fee5.6%$365 a year
- 8AAA Daily Advantage5% on up to $500 cash back a year combined with gas, then 1% 路 no annual fee5.0%$325 a year
- 9Barclays Wyndham Rewards Earner Plus4x 路 $95 annual fee4.8%$309 a year
- 10Barclays Wyndham Rewards Earner Premier4x 路 $395 annual fee4.8%$309 a year
Best with no annual fee
- 1Citi Strata3x 路 no annual fee6.9%$446 a year
- 2AAA Daily Advantage5% on up to $500 cash back a year combined with gas, then 1% 路 no annual fee5.0%$325 a year
- 3Citi AAdvantage MileUp2x 路 no annual fee4.6%$297 a year
- 4Barclays Wyndham Rewards Earner3x 路 no annual fee3.6%$232 a year
- 5Wells Fargo Choice Privileges3x 路 no annual fee3.6%$232 a year
Best business cards
- 1Capital One Venture Business2x 路 $95 annual fee4.1%$265 a year
- 2Capital One Venture X Business2x 路 $395 annual fee4.1%$265 a year
- 3Amex Blue Business Plus2x 路 no annual fee4.0%$258 a year
- 4Capital One VentureOne Business1.5x 路 no annual fee3.1%$199 a year
- 5Chase Ink Business Unlimited1.5x 路 no annual fee3.0%$195 a year
How these cards are ranked
Each open US card in AwardHack's catalog is scored on $6,491 a year of groceries, which is the average US household's 2025 spending on food at home from the Bureau of Labor Statistics. Points are valued at AwardHack's value per point for each program, with airline and hotel points at no more than the bank points that transfer to them; cash back counts at face value.
Spending caps are applied: once a card's bonus rate hits its limit, the rest of the year's spending earns the rate after the cap. Cards with a pick-your-category or rotating bonus are scored at the bonus rate and marked, since you only get it in the category you choose. Caps last checked November 11, 2026. Annual fees are shown but not subtracted, since a fee pays for a card's other benefits too.
Common questions
What is the best credit card for groceries?
By what it pays back on $6,491 a year, Amex Gold: 4x on up to $25,000 a year, then 1x, about $517 a year at AwardHack's value for its points. The best card for you also depends on its annual fee and whether you'll use its points well.
What is the best no-annual-fee card for groceries?
Citi Strata, at 3x: about 6.9% back on $6,491 a year. AAA Daily Advantage is next at 5.0%.
What is the best business card for groceries?
Capital One Venture Business, at 2x: about 4.1% back on $6,491 a year.
Do groceries rewards have spending caps?
Some do. Amex Gold earns 4x on up to $25,000 a year, then 1x; Bilt Obsidian earns 3x on up to $25,000 a year, then 1x; Amex Blue Cash Preferred earns 6% on up to $6,000 a year, then 1%. This ranking applies each cap to $6,491 a year, so a capped card ranks by what it really pays on that much spending.
How are points valued?
At AwardHack's value per point for each program, the same values as the Points Valuator, for example 2.00垄 for Chase Ultimate Rewards and 1.99垄 for Amex Membership Rewards. Airline and hotel points count at no more than the bank points that transfer to them, since a point you can transfer is worth at least the points it becomes. Cash back counts at face value. Points can be worth more or less depending on how you redeem them.