Updated May 2026
Best Credit Cards for Grocery Spending
Supermarkets, Whole Foods, and Trader Joe's — these cards earn 3–6× on every grocery run.
Elevated Right Now
Best current opportunities in this category
These cards are offering above-typical welcome bonuses right now.
Rankings
Top 8 Best Credit Cards for Groceries
Amex
Amex Gold
$325/yr
~$2,000 bonus
Welcome Offer
Recently increased100,000 Membership
Spend $8K in 6mo
The best dining and grocery card on the market
Citi
Strata Premier
$95/yr
~$1,425 bonus
Welcome Offer
Highest since tracking started75,000 ThankYou
Spend $4K in 3mo
The best all-around earner in the Citi ecosystem
Chase
Sapphire Preferred
$95/yr
~$1,538 bonus
Welcome Offer
Highest since tracking started75,000 Ultimate
Spend $5K in 3mo
The gold standard starter travel card
Chase
Sapphire Reserve
$795/yr
~$3,075 bonus
Welcome Offer
Highest since tracking started150,000 Ultimate
Spend $6K in 3mo
The ultimate Chase travel card for frequent flyers
Chase
Freedom Unlimited
$0/yr
~$200 bonus
Welcome Offer
200 Cash
Spend $1K in 3mo
The best no-fee catch-all for Chase ecosystem builders
Chase
Freedom Flex
$0/yr
~$200 bonus
Welcome Offer
200 Cash
Spend $1K in 3mo
The no-fee card for maximizing rotating bonus categories
Chase
Ink Cash
$0/yr
~$750 bonus
Welcome Offer
750 Cash
Spend $6K in 6mo
The no-fee business powerhouse for phone bills and office spending
Chase
Ink Unlimited
$0/yr
~$750 bonus
Welcome Offer
750 Cash
Spend $6K in 6mo
Chase UR ecosystem
Side-by-side
Quick Comparison
| Card | Annual Fee | Signup Bonus | Value |
|---|---|---|---|
| $325 | 100,000 Membership | $2,000 | |
Strata Premier Citi | $95 | 75,000 ThankYou | $1,425 |
Sapphire Preferred Chase | $95 | 75,000 Ultimate | $1,538 |
Sapphire Reserve Chase | $795 | 150,000 Ultimate | $3,075 |
Freedom Unlimited Chase | $0 | 200 Cash | $200 |
Bonus values are estimates. Always verify current offers directly with the issuer before applying.
Which of these is right for you?
Tell us your spend profile and existing cards. Our AI ranks these by actual value to you — approval odds included.
Get My Personal RankingFree · No credit pull · 3 minutes
FAQ
Frequently Asked Questions
Which card earns the most at grocery stores?
The Amex Gold Card earns 4× at U.S. supermarkets (up to $25,000/yr), worth up to $80 in cash equivalent or far more through transfer partners. The Amex Blue Cash Preferred earns 6% cash back (up to $6,000/yr) — better for pure cash back spenders.
Does Whole Foods count as a grocery store for credit cards?
Amex Gold: Yes. Chase Sapphire Preferred: Yes (dining/grocery code). Citi Strata Premier: Yes. Most major credit cards categorize Whole Foods and Trader Joe's as grocery stores.
CreditPoints may receive compensation when you are approved for a card through links on this page. Offers and card details are based on publicly available information and may change without notice. Rankings reflect editorial judgment based on first-year value estimates. Not affiliated with any card issuer.