🛒 Best credit cards for groceries
The best credit cards for supermarket spending, ranked by real yearly earnings — including category caps, which most lists ignore.
How this ranking works
Every card is scored by the same engine as our card finder quiz, using a fixed profile: $900/mo groceries · $125/mo gas & ev charging · $425/mo everything else, booking travel directly. Points are valued at conservative baselines, spending caps are applied, and the annual fee is subtracted. Prime Visa and Bilt Blue and Bilt Obsidian and Bilt Palladium need a membership or bill this profile doesn't assume (Amazon Prime, paying rent by card), so they aren't ranked here. Your own spending will rank these differently — the quiz personalizes it.
- 1The Platinum Card® from American ExpressAmerican Express · $895/yr fee
~$3,198/yr back at this profile → +$2,303 after the fee
1x groceries ≈ $108/yr$3,024/yr in credits - 2Chase Sapphire Reserve®Chase · $795/yr fee
~$2,562/yr back at this profile → +$1,767 after the fee
1x groceries ≈ $108/yr$2,388/yr in credits - 3Marriott Bonvoy Brilliant® American Express® CardAmerican Express · $650/yr fee
~$1,288/yr back at this profile → +$638 after the fee
2x groceries ≈ $173/yr$1,010/yr in credits - 4American Express® Gold CardAmerican Express · $325/yr fee
~$922/yr back at this profile → +$597 after the fee
4x groceries ≈ $432/yr$424/yr in credits - 5Blue Cash Everyday® Card from American ExpressAmerican Express · No fee
~$588/yr back at this profile
3% groceries ≈ $228/yr (cap applied)3% gas & ev charging ≈ $45/yr$264/yr in credits - 6Chase Sapphire Preferred® CardChase · $95/yr fee
~$670/yr back at this profile → +$575 after the fee
3x groceries ≈ $324/yr3x gas & ev charging ≈ $45/yr$250/yr in credits - 7IHG One Rewards Premier Credit CardChase · $99/yr fee
~$651/yr back at this profile → +$552 after the fee
3x groceries ≈ $194/yr5x gas & ev charging ≈ $45/yr$320/yr in credits - 8Blue Cash Preferred® Card from American ExpressAmerican Express · $95/yr fee
~$624/yr back at this profile → +$529 after the fee
6% groceries ≈ $408/yr (cap applied)3% gas & ev charging ≈ $45/yr$120/yr in credits - 9United℠ Explorer CardChase · $150/yr fee
~$669/yr back at this profile → +$519 after the fee
1x groceries ≈ $130/yr$460/yr in credits - 10World of Hyatt Credit CardChase · $95/yr fee
~$583/yr back at this profile → +$488 after the fee
1x groceries ≈ $194/yr1x gas & ev charging ≈ $27/yr$270/yr in credits
PerkSwipe may earn a commission if you apply through our links. That never affects how we rank cards — the ranking above is pure math.
18cards without structured earning data weren't ranked
Capital One VentureOne Rewards Credit Card, Wells Fargo Autograph® Card, Bank of America® Travel Rewards credit card, U.S. Bank Altitude® Connect Visa Signature® Card, Capital One Quicksilver Cash Rewards Credit Card, Bank of America® Customized Cash Rewards credit card, Bank of America® Unlimited Cash Rewards credit card, U.S. Bank Cash+® Visa Signature® Card, Costco Anywhere Visa® Card by Citi, Apple Card, PayPal Cashback Mastercard®, Target Circle™ Credit Card, Atmos™ Rewards Ascent Visa Signature® card (formerly Alaska Airlines Visa Signature®), Hilton Honors American Express Card, Ink Business Preferred® Credit Card, American Express® Business Gold Card, Capital One Spark Cash Plus, The Business Platinum Card® from American Express
Rankings based on your actual spending
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More guides
Estimates use conservative baseline point values and the disclosed spending profile — your results will differ. Card terms change often; verify with the issuer before applying. PerkSwipe is independent and not affiliated with any issuer. Nothing here is financial advice.