The Points Pro

Best card for groceries

The cards we track, ranked by what they earn on groceries, with the credits and perks that sweeten the category.

Cards with this credit

  • Chase Sapphire Reserve $240/yr
    Two $10 DoorDash promos each month ($20 a month) for DashPass members, on groceries, retail and other non-restaurant orders, through 12/31/29.
    $20 monthly
    View
  • Chase Aeroplan Credit Card $120/yr
    Get up to $10 off monthly on qualifying non-restaurant DoorDash orders (groceries, everyday essentials, etc.) through Dec 31, 2027 as long as you remain enrolled in DashPass, for enrollees who activate DashPass on or after Sep 1, 2026.
    $10 monthly
    View
  • Chase Ink Business Preferred Card $120/yr
    Receive up to $10 off monthly on one qualifying non-restaurant grocery/retail order on DoorDash after activating DashPass membership.
    $10 monthly
    View
  • Chase Sapphire Preferred $120/yr
    DashPass members get a $10 promo each month ($120 annually) to save on groceries, retail orders, and more.
    $10 monthly
    View
  • Chase Sapphire Reserve Business Card $120/yr
    Two $10 monthly promos to save on groceries, retail orders, and more.
    $10 monthly
    View

Which card

  • Chase Sapphire Reserve
    $20 credit (Monthly)
    Two $10 DoorDash promos each month ($20 a month) for DashPass members, on groceries, retail and other non-restaurant orders, through 12/31/29.
    View
  • American Express Gold Card
    4.00x Groceries
    ~8.00¢/$ in American Express's rewards currency
    View
  • Chase Sapphire Preferred
    3.00x Groceries
    ~6.15¢/$ in Chase's rewards currency
    View
  • Blue Cash Preferred
    6.00x Groceries
    ~6.00¢/$ in American Express's rewards currency
    View
  • Citi Strata Premier Card
    3.00x Groceries
    ~5.70¢/$ in Citi's rewards currency
    View
  • Chase Aeroplan Credit Card
    $10 credit (Monthly)
    Get up to $10 off monthly on qualifying non-restaurant DoorDash orders (groceries, everyday essentials, etc.) through Dec 31, 2027 as long as you remain enrolled in DashPass, for enrollees who activate DashPass on or after Sep 1, 2026.
    View
  • Chase Ink Business Preferred Card
    $10 credit (Monthly)
    Receive up to $10 off monthly on one qualifying non-restaurant grocery/retail order on DoorDash after activating DashPass membership.
    View
  • Chase Sapphire Reserve Business Card
    $10 credit (Monthly)
    Two $10 monthly promos to save on groceries, retail orders, and more.
    View
  • Citi Strata Card
    3.00x Groceries
    ~3.99¢/$ in Citi's rewards currency
    View
  • Capital One SavorOne
    3.00x Groceries
    ~3.00¢/$ in Capital One's rewards currency
    View
  • IHG One Rewards Premier Credit Card
    5.00x Groceries
    ~3.00¢/$ in Chase's rewards currency
    View
  • Blue Cash Everyday Card
    3.00x Groceries
    ~3.00¢/$ in American Express's rewards currency
    View

Cards with this benefit

  • Bilt Obsidian Card More perks
    Choice of 3X points on dining or grocery, with grocery spend capped at $25K/year
    View
  • Marriott Bonvoy Boundless Card More perks
    Earn 3X total points for every $1 on the first $6,000 spent in combined purchases annually on gas stations, grocery stores, and dining.
    View

Learn

  • Cash Back vs. Travel Points Lesson, phase 1: Foundation
    Cash back lands in checking and dissolves into groceries and utilities.
    Read the lesson
  • The Power of Welcome Offers Lesson, phase 2: Accumulation
    Swipe 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.
    Read the lesson
  • Maximizing Everyday Spending Lesson, phase 2: Accumulation
    Take a household spending eight thousand dollars a year across groceries and restaurants, which is an ordinary number rather than an aggressive one.
    Read the lesson
  • Hotel Redemptions and Family Suites Lesson, phase 3: Redemption
    A kitchen turns a few more meals into groceries.
    Read the lesson
  • Now on The Points Pro: Delta SkyMiles Gold Card, Delta SkyMiles Platinum Business Card and Hilton Honors American Express Card Article, Oct 17, 2026
    It earns 2x Miles on Brand purchases, 2x Miles on groceries, 2x Miles on restaurants, and 1x Miles on everything else.
    Read the article

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.

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.