Best card for groceries
The cards we track, ranked by what they earn on groceries, with the credits and perks that sweeten the category.
Which card is best for groceries? The ranking below scores each card's groceries rate in cents per dollar at published point valuations; the calculator does the same across your whole monthly spend.
Cards with this credit
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Chase Sapphire Reserve Business Card $300/yrDashPass members get up to $25 each month on DoorDash: a $5 monthly promo for restaurant orders and two $10 promos each month for groceries, retail orders, and more, available through 12/31/27.$25 monthly
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Chase Ink Business Preferred Card $120/yrReceive up to $10 off monthly on one qualifying non-restaurant grocery/retail order on DoorDash after activating DashPass membership.$10 monthly
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Chase Sapphire Preferred $120/yrDashPass members get a $10 promo each month ($120 annually) to save on groceries, retail orders, and more.$10 monthly
Which card
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Chase Sapphire Reserve Business Card$25 credit (Monthly)DashPass members get up to $25 each month on DoorDash: a $5 monthly promo for restaurant orders and
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American Express Gold Card4.00x Groceries~8.00¢/$ in American Express's rewards currency
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Chase Sapphire Preferred3.00x Groceries~6.15¢/$ in Chase's rewards currency
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Citi Strata Premier Card3.00x Groceries~5.70¢/$ in Citi's rewards currency
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Citi Strata Card3.00x Groceries~5.70¢/$ in Citi's rewards currency
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Chase Ink Business Preferred Card$10 credit (Monthly)Receive up to $10 off monthly on one qualifying non-restaurant grocery/retail order on DoorDash afte
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Capital One SavorOne3.00x Groceries~3.00¢/$ in Capital One's rewards currency
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American Airlines AAdvantage MileUp Card2.00x Groceries~2.80¢/$ in Citi's rewards currency
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Southwest Rapid Rewards Premier Credit Card2.00x Groceries~2.50¢/$ in Chase's rewards currency
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Southwest Rapid Rewards Plus Credit Card2.00x Groceries~2.50¢/$ in Chase's rewards currency
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Hilton Honors American Express Surpass Card6.00x Groceries~2.40¢/$ in American Express's rewards currency
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Marriott Bonvoy Boundless Card3.00x Groceries~2.40¢/$ in Chase's rewards currency
Cards with this benefit
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Bilt Obsidian Card More perksChoice of 3X points on dining or grocery, with grocery spend capped at $25K/year
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Chase Sapphire Reserve Partner membershipsDashPass members get up to $25 each month to spend on DoorDash, including a $5 monthly promo for restaurant orders and two $10 promos each month to save on groceries, retail orders, and more. Available through 12/31/27.
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Marriott Bonvoy Boundless Card More perksEarn 3X total points for every $1 on the first $6,000 spent in combined purchases annually on gas stations, grocery stores, and dining.
Learn
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Cash Back vs. Travel Points Lesson, phase 1: FoundationCash back lands in checking and dissolves into groceries and utilities.
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The Power of Welcome Offers Lesson, phase 2: AccumulationSwipe the card at the grocery store, swipe it at the gas pump, swipe it at dinner, and watch the balance creep upward until one day there is enough for a flight.
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Maximizing Everyday Spending Lesson, phase 2: AccumulationTake a household spending eight thousand dollars a year across groceries and restaurants, which is an ordinary number rather than an aggressive one.
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Hotel Redemptions and Family Suites Lesson, phase 3: RedemptionA kitchen turns a few more meals into groceries.
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Now on The Points Pro: 10 new cards Article, Aug 30, 2026It earns 2x points on groceries (capped), 2x points on gas and EV charging (capped), 2x points on Brand purchases, and 1x points on everything else.
Good to know
- Rates apply to the issuer's definition of the category, which can be narrower than the everyday word (a warehouse club is rarely "groceries").
- Enter your actual monthly groceries spend in the best card finder to see the value in dollars, alongside every other category you spend in.
Related
Hold any of these cards? Ask your own wallet about Groceries and Find answers from your cards, cycle state included.