Card Optimizer

Best credit card for groceries

The card that earns the most on a $100 purchase on groceries, out of the 106 cards we track.

Top pick

Chase Freedom Flex

$7.50 on $100

7.5% back · $0 annual fee

  • 1x points base rate.
  • Plus 4x points extra on groceries.
  • Rotating bonus active 2026-10-01 to 2026-12-31.
  • Bonus must be activated with the issuer to earn this rate.
  • 500 Chase Ultimate Rewards points valued at 1.5¢ each.
  • The bonus rate covers up to $1,500 of spend a quarter.
See which of your cards wins on groceries

Also worth a look

  • Runner-up

    American Express Blue Cash Preferred

    $6.00 on $100

    6% back · $95 annual fee

  • Also good

    American Express Gold Card

    $6.00 on $100

    6% back · $325 annual fee

  • Also good

    Bilt Obsidian

    $4.50 on $100

    4.5% back · $95 annual fee

See the top 10 on groceries with rates, fees and why each earns what it does

  1. Chase Freedom Flex

    7.5% back · $0 annual fee

    $7.50 on $100

    • 1x points base rate.
    • Plus 4x points extra on groceries.
    • Rotating bonus active 2026-10-01 to 2026-12-31.
    • Bonus must be activated with the issuer to earn this rate.
    • 500 Chase Ultimate Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $1,500 of spend a quarter.

  2. American Express Blue Cash Preferred

    6% back · $95 annual fee

    $6.00 on $100

    • 6% cash back on groceries.
    • The bonus rate covers up to $6,000 of spend a year.

  3. American Express Gold Card

    6% back · $325 annual fee

    $6.00 on $100

    • 4x points on groceries.
    • 400 Amex Membership Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $25,000 of spend a year.

  4. Bilt Obsidian

    4.5% back · $95 annual fee

    $4.50 on $100

    • 3x points on groceries.
    • A category you picked for this card.
    • 300 Bilt points valued at 1.5¢ each.
    • Counted with Groceries picked as its 3x category.

  5. Chase Aeroplan

    4.5% back · $195 annual fee

    $4.50 on $100

    • 3x points on groceries.
    • Limited-time bonus through 2026-12-31.
    • 300 Aeroplan points valued at 1.5¢ each.

  6. Citi Strata

    4.2% back · $0 annual fee

    $4.20 on $100

    • 3x points on groceries.
    • 300 Citi ThankYou points valued at 1.4¢ each.

  7. Citi Strata Premier

    4.2% back · $95 annual fee

    $4.20 on $100

    • 3x points on groceries.
    • 300 Citi ThankYou points valued at 1.4¢ each.

  8. Synchrony Verizon Visa

    4% back · $0 annual fee

    $4.00 on $100

    • 4% cash back on groceries.

  9. Barclays Wyndham Rewards Earner Plus

    4% back · $95 annual fee

    $4.00 on $100

    • 4x points on groceries.
    • 400 Wyndham Rewards points valued at 1¢ each.

  10. American Express Marriott Bonvoy Bevy

    3.2% back · $250 annual fee

    $3.20 on $100

    • 4x points on groceries.
    • 400 Marriott Bonvoy points valued at 0.8¢ each.
    • The bonus rate covers up to $15,000 of spend a year.