Best Credit Cards for Groceries 2026

Groceries are one of the highest-value everyday reward categories — the gap between a 1% card and a 6% card is real money over a year. Below is every grocery-earning card in our database, ranked by its published grocery rate. Right now the strongest published rate belongs to the Amex Blue Cash Preferred at 6.

Ranked: grocery reward rates

1. 1

   Amex Blue Cash Preferred

   6 % cash back on groceries — U.S. supermarkets, up to $6k/yr · base 1 % cash back · reviewed Jun 2026

2. 2

   Citi Custom Cash

   5 % cash back on groceries — top eligible category, up to $500/mo · base 1 % cash back · reviewed Jun 2026

3. 3

   Discover Discover it

   5 % cash back on groceries — rotating quarterly, up to $1,500/qtr · base 1 % cash back · reviewed Jun 2026

4. 4

   Amex Gold Card

   4 x points on groceries — U.S. supermarkets, up to $25k/yr · base 1 x point · reviewed Jun 2026

5. 5

   Verizon Verizon Visa

   4 % Verizon Dollars on groceries · base 1 % Verizon Dollars · reviewed Jun 2026

6. 6

   Capital One Savor

   3 % cash back on groceries · base 1 % cash back · reviewed Jun 2026

7. 7

   SoFi Everyday Cash Rewards

   3 % cash back on groceries · base 2 % cash back · reviewed Jun 2026

8. 8

   Bank of America Customized Cash Rewards

   2 % cash back on groceries — up to $2,500/qtr combined · base 1 % cash back · reviewed Jun 2026

How to pick the right one

A headline rate is only half the story. Cards with 5–6% grocery earnings usually cap the bonus (often an annual spend limit) or exclude warehouse clubs and superstores like Walmart and Target. Flat-rate cards earn less per dollar but never run out of bonus. Points-earning cards can be worth more than cash back if you transfer to travel partners — and worth less if you redeem for statement credits.

The practical move: put grocery spend on your highest capped-bonus card until the cap is reached, then fall back to your best flat-rate card for the rest of the year.

Check your own wallet

The list above is generic. The card that actually wins is the best one you already carry. Pick your cards and we'll tell you which to swipe at the grocery store — in about 10 seconds, with no signup and no bank linking.