American Express
$582/yr net
Earns 4x on grocery, on a grocery-heavy profile after fees.
Best for grocery
The best credit card for groceries
Updated June 2026 · Ranked by net annual value (rewards minus the effective fee), not by who pays us.
Groceries are the category where a good card quietly pays for itself — but the headline rate is only half the story. The other half is the cap.
We ranked every card against a grocery-heavy wallet (about $700/month at the supermarket) by net annual value — rewards minus the effective fee — using the same engine as our calculator.
Our pick.
American Express Gold
$582/yr net
4xat the registerbonus rate on the first $2,083/mo · $325 fee already subtracted above
Best grocery card by net value for this profile, after the effective fee.
The catch most lists skip.
The highest grocery rate is only useful inside its cap. Blue Cash Preferred earns 6% — but only on the first $6,000/year, then 1%. Amex Gold earns 4x up to $25,000/year, so a heavy grocery spender keeps the bonus rate far longer. Above roughly $500/month in groceries, the uncapped 4x card usually pulls ahead of the higher-but-capped 6% card. Note: warehouse clubs (Costco) and superstores (Walmart, Target) don't code as supermarkets and won't trigger most grocery bonuses.
Top 5 grocery cards by net value
American Express
$383/yr net
Earns 6x on grocery, on a grocery-heavy profile after fees.
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Your spending isn't this profile.
This ranking is for a grocery-heavy wallet. Enter your own monthly numbers and we'll re-rank all 75 cards against exactly how you spend.
Run my own numbersFigures are estimates from our net-value model on a sample grocery-weighted profile, with fees counted category-aware (credits count where you'd realize them). See our methodology page. Rates and fees change — verify on the issuer's site before applying.