Best credit cards for groceries (October 2026)

Supermarket spending. Ranked by roughly how much you earn back at our point valuations. How we value points

American Express Gold Card
4x on groceries ≈ 8% back · $325 annual fee · Welcome offer worth about $2,000 · Earns Amex Membership Rewards · KritScore 73
Citi Strata Premier
3x on groceries ≈ 5.4% back · $95 annual fee · Welcome offer worth about $1,080 · Earns Citi ThankYou · KritScore 54
Chase Aeroplan Card
3x on groceries ≈ 4.5% back · $195 annual fee · Welcome offer worth about $1,125 · Earns Air Canada Aeroplan · KritScore 73
Bilt Palladium Card
2x on groceries ≈ 4% back · $495 annual fee · Welcome offer worth about $1,000 · Earns Bilt Rewards · KritScore 57
Capital One Venture X
2x on groceries ≈ 3.7% back · $395 annual fee · Welcome offer worth about $1,388 · Earns Capital One miles · KritScore 65
Capital One Venture Rewards
2x on groceries ≈ 3.7% back · $95 annual fee · Welcome offer worth about $1,388 · Earns Capital One miles · KritScore 60
Wyndham Rewards Earner Plus
4x on groceries ≈ 3.6% back · $95 annual fee · Welcome offer worth about $900 · Earns Wyndham Rewards · KritScore 49

What is the best credit card for groceries?

On our ranking it is the American Express Gold Card: 4x on groceries, about 8% back at our valuation of 2 cents per point, with a $325 annual fee.

How are these cards ranked?

By the approximate percentage you earn back in this category: the card’s earn rate multiplied by our editorial value for its points (cash-back cards at one cent per point). KritScore breaks ties.

Bonus categories can be limited (for example to bookings through the issuer’s travel portal, or capped per year), and offers change. Check each card’s current terms with the issuer before applying.

More rankings

Best for dining · Best for travel · Best for gas · Best for everyday spending · Best for no annual fee · Best for cash back · Best for sign-up bonuses · Best for small business · Best for hotel stays · Best for airline miles