Best credit card for supermarkets

Updated October 30, 2026

Amex Blue Cash Preferred earns the most at supermarkets: 6% cash back. Up to $6,000 of spending a year, then 1% cash back. With no annual fee, Chase Freedom Flex earns 5%.

Check with your own cards

Top 10 cards for supermarkets

1. 1
   Amex Blue Cash Preferred 6%
   American Express · $95 a year ($0 the first year)

   • Up to $6,000 of spending a year, then 1% cash back
2. 2
   Chase Freedom Flex 5%
   Chase · No annual fee

   • Activate the bonus with Chase (free)
   • This rate runs through December 31, 2026
   • Up to $1,500 of spending a quarter, then 1% cash back
3. 3
   Amex Gold 4%
   American Express · $325 a year

   • Up to $25,000 of spending a year, then 1x Amex Membership Rewards
4. 4
   Capital One Savor Rewards 3%
   Capital One · No annual fee
5. 5
   Amex Blue Cash Everyday 3%
   American Express · No annual fee

   • Up to $6,000 of spending a year, then 1% cash back
6. 6
   Citi Strata Premier 3%
   Citi · $95 a year
7. 7
   Bilt Obsidian 3%
   Bilt · $95 a year

   • Pick grocery as a bonus category (each year)
   • Up to $25,000 of spending a year, then 1x Bilt points
8. 8
   Chase Air Canada Aeroplan 3%
   Chase · $195 a year

   • This rate runs through December 31, 2026
9. 9
   IHG One Rewards Premier 2.5%
   Chase · $150 a year
10. 10
    Kohl's Rewards Visa 2%
    Capital One · No annual fee

From the issuers' terms

• Amex Blue Cash Preferred: “at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs,” americanexpress.com, checked 2026-10-24.
• Chase Freedom Flex: “CURRENT QUARTER Grocery Stores” creditcards.chase.com, checked 2026-10-26.
• Amex Gold: “4X POINTS On Groceries At U.S. supermarkets, on up to $25K” americanexpress.com, checked 2026-10-24.

How this is ranked

Every personal card earnrate tracks, each set up at its best for this purchase: the right bonus-category pick, any activation done, and no spending cap used up yet. Points are counted at 1¢, what most are worth as cash or travel credit; transferring them to airlines or hotels can be worth more. Annual fees aren't subtracted here; to weigh them against your own spending, use My spending.

Related

Trader Joe's · Ralphs · Vons · Safeway · Kroger · Albertsons · Sprouts Farmers Market · Aldi