Best credit card for grocery

Updated October 30, 2026

Chase Freedom Flex earns the most at grocery: 5% cash back. 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.

Check with your own cards

Top 10 cards for grocery

1
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
2
Chase Air Canada Aeroplan 3%
Chase · $195 a year
- This rate runs through December 31, 2026
3
American Airlines AAdvantage MileUp 2%
Citi · No annual fee
4
Citi Double Cash 2%
Citi · No annual fee
5
SoFi Unlimited 2% 2%
SoFi · No annual fee
6
Wells Fargo Active Cash 2%
Wells Fargo · No annual fee
7
U.S. Bank Cash+ 2%
U.S. Bank · No annual fee
- Pick grocery stores as a bonus category (each quarter)
8
My Best Buy Visa 2%
Citi · $59 a year
9
Capital One Venture Rewards 2%
Capital One · $95 a year
10
Southwest Rapid Rewards Plus 2%
Chase · $99 a year
- Up to $5,000 of spending a card year, then 1x Southwest Rapid Rewards points

From the issuers' terms

Chase Freedom Flex: “CURRENT QUARTER Grocery Stores” creditcards.chase.com, checked 2026-10-26.
Chase Air Canada Aeroplan: “Grocery store and dining rewards category purchases that post to your account by December 31, 2026” creditcards.chase.com, checked 2026-10-26.
American Airlines AAdvantage MileUp: “Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services” citi.com, checked 2026-10-26.

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.