Card Optimizer

Best credit card for Harris Teeter

We ranked all 106 cards in Card Optimizer's catalog for a $100 purchase at Harris Teeter on October 19, 2026, by the dollar value of what each earns.

See which of your cards wins at Harris Teeter

Top cards at Harris Teeter

Harris Teeter counts as groceries unless a card has a bonus for the store itself.

  1. Chase Freedom Flex

    Top pick7.5% 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.