Your family spends thousands at the supermarket every year, and the right credit card turns that routine spending into real money back. But grocery rewards cards come with catches: spending caps that cut you off mid-year, annual fees that eat into your earnings, and point valuations that make a 4x multiplier worth less than a flat 2% card. We ranked the top grocery cards by actual rewards rate, showing caps and fees upfront, so you can find the card that truly pays you the most for the groceries you already buy.
Rankings are estimates based on published card terms. Actual rewards depend on your spending, redemption, and category qualification. How we rank.
Which card wins depends on your spending. Try the calculator to see your personalized ranking.
Earns 6% on groceries, up to $6,000/year. 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas.
Perfect if: Your monthly spending stays within the bonus cap for maximum value.
Apply NowEarns 5% on groceries with no spending cap. Points are worth ~0.5¢ each, making the cash-equivalent rate ~2.5%. 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowEarns 5% on groceries with no spending cap. Points are worth ~0.5¢ each, making the cash-equivalent rate ~2.5%. Up to 24x total at IHG hotels, 5x on direct flights, car rentals, dining, groceries, and gas.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply NowCards are ranked by the rate they earn in this category without conditions. A rate you only get by booking on the issuer’s own site, staying with one hotel chain, or shopping at one store does not count toward the ranking. It is listed underneath the card instead, so a card with a narrow high rate cannot outrank one that simply earns more everywhere. This ranking still does not account for the cash value of points (which varies by card and redemption method), spending caps, or annual fees. All of these are shown per card so you can factor them in.
For a personalized comparison that weighs your actual spending, accounts for caps, subtracts annual fees, and estimates real dollar value, use our calculator.
The Amex Blue Cash Preferred earns 6% at U.S. supermarkets (up to $6,000/year). For higher spenders, the Amex Gold earns 4x points at U.S. supermarkets with a $25,000 annual cap.
Many do. The Blue Cash Preferred caps 6% at $6,000/year in grocery spending. After the cap, you earn the base rate. Our rankings show all caps so you can compare.
It depends on the store's merchant category code. Supercenters like Walmart often code as "discount stores," not supermarkets. Standalone grocery stores almost always qualify.
It depends on your spending. A household spending $500/month on groceries earns $360/year at 6%, easily covering a $95 annual fee. Enter your spending in our calculator to see your break-even point.
These rankings are based on stated rates. The card that actually earns you the most depends on how much you spend in each category, annual fees, and spending caps. Enter your numbers to see your personalized ranking.
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