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RollsRewards

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

Best grocery card by net value for this profile — about $582/yr after the effective fee, earning 4x on grocery.

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

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 numbers

Figures 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.