Best credit card to use at Whole Foods Market

Updated October 30, 2026

Amex Blue Cash Preferred earns the most at Whole Foods Market: 6% cash back. Whole Foods Market usually codes as supermarkets (MCC 5411). Up to $6,000 of spending a year, then 1% cash back. With no annual fee, Chase Freedom Flex earns 5%. With Amazon Prime, Prime Visa earns 5%, also with no annual fee.

Check with your own cards

Top 10 cards at Whole Foods Market

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
   Prime Visa 3%
   Chase · No annual fee

   • 5% with Amazon Prime
6. 6
   Amex Blue Cash Everyday 3%
   American Express · No annual fee

   • Up to $6,000 of spending a year, then 1% cash back
7. 7
   Citi Strata Premier 3%
   Citi · $95 a year
8. 8
   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
9. 9
   Chase Air Canada Aeroplan 3%
   Chase · $195 a year

   • This rate runs through December 31, 2026
10. 10
    IHG One Rewards Premier 2.5%
    Chase · $150 a year

Good to know

• Prime Visa pays 5% here as a merchant rate. BCP and Gold pay their supermarket rate only if it codes as a supermarket, which it usually does in-store.

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.

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