Best Credit Cards for Groceries 2026

The average American spends $4,500/year on groceries. The right card earns you $180-300 back annually just on food. Updated March 2026.

Top Grocery Cards Ranked

Sorted by grocery reward rate
1
Amazon Prime Rewards Visa
Amazon/Chase
5%
Whole Foods Market only (Prime required)
$0/yr
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2
Amex Gold Card®
American Express
4X
U.S. supermarkets (up to $25K/yr, then 1X)
$325/yr
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3
Capital One SavorCash
Capital One
4%
Grocery stores (excl. Walmart, Target, Costco)
$0/yr
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4
Chase Freedom Flex℠
Chase
5%
Grocery stores when in quarterly rotation (up to $1,500)
$0/yr
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5
US Bank Cash+
US Bank
2%
Grocery stores (select as everyday category)
$0/yr
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6
Citi Strata Premier
Citi
3X
Grocery stores + dining + gas + travel
$95/yr
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The Math at $4,500/Year in Groceries

Amex Gold (4X @ 2¢/pt): 18,000 MR points = $360/year in travel value. Fee is $325 — but the $120 dining credit + $120 Uber Cash offsets most of it. Net grocery reward alone: excellent.

Capital One SavorCash (4%): $180/year cash back on groceries, zero annual fee. No math required.

Amazon Prime Visa (5% at Whole Foods): If you already have Prime and shop at Whole Foods, this is free money. $225/year if you spend $4,500 there.

💡 Important: Most cards exclude Walmart, Target, Costco, and Sam's Club from the "grocery" category since they're coded as general merchandise. Check before assuming your spending qualifies.

Best Grocery Card Combos

For points collectors: Amex Gold (4X groceries + 4X dining) + Chase Freedom Flex (5% when groceries rotate). One card earns MR points for travel, the other catches rotating bonus categories.

For cash back simplicity: Capital One SavorCash (4% groceries + 4% dining) + Citi Double Cash (2% everything else). Combined, everything gets at least 2% and food gets 4%. Zero annual fees.

For Amazon/Whole Foods shoppers: Amazon Prime Visa (5% WF) + Amex Gold (4X regular groceries). Best of both worlds for $325/year total in fees.