Best cards for groceries

Updated September 24, 2026 · from RightCard's verified card and merchant data

American Express Gold Card has the highest verified everyday grocery value from any issuer in our data: 4x points (about 7.2¢ per dollar toward travel).

Supermarket rates from every issuer we have verified, ranked by what a dollar actually earns. Remember the trap: superstores (Walmart, Target) and warehouse clubs (Costco, Sam's, BJ's) code outside the supermarket category, so none of these rates post there. Check any store.

Verified grocery rates

Everyday rates only. No limited-time offers, no welcome bonuses. Ranked by value per dollar, not by the biggest multiplier.

Card	Grocery	≈ value / $1
American Express Gold Card	4x points	7.2¢
American Express Blue Cash Preferred	6%	6¢
AAA Daily Advantage Visa Signature	5%	5¢
Citi Premier Card	3x points	4.8¢
Citi Rewards+	3x points	4.8¢
Citi Strata Premier Card	3x points	4.8¢
Verizon Visa Card	4%	4¢
Wyndham Rewards Earner Plus Card	4x points	4¢
Aeroplan Credit Card	3x miles	3.9¢
Amex EveryDay Card	2x points	3.6¢

Value column: cash at face value; points at conservative per-program estimates (Amex Membership Rewards 1.8¢, Citi ThankYou Points 1.6¢, Aeroplan 1.3¢, Wyndham Rewards 1¢) toward travel. Cash out and most points are worth 1¢ or less. RightCard lets you flip between the two.

The part people miss

The bonus follows the store's merchant code, not the sign on the door. Superstores and warehouse clubs are the common trap for grocery. Hotel restaurants and stadium concessions are the usual traps for dining. When the code does not match, the purchase earns the base rate, and no app can change that.

How RightCard handles this: add your cards and the grocery tile on Home shows the one card that wins, including this quarter's rotating bonus and your bank offers. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

Which credit card is best for groceries?

American Express Gold Card has the highest verified everyday grocery value from any issuer in our data: 4x points (about 7.2¢ per dollar toward travel).

Why is a card I know missing?

Only cards whose rates two independent sources agreed on are listed. Missing means unverified, not worse.

Are welcome bonuses counted?

No. These are everyday rates. A welcome bonus is a one-time event and the part every affiliate ranking is paid to sell.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Costco rewards guide · Walmart rewards guide · Freedom Flex 5% calendar · Best cards for dining · Best card for Kroger