Which Chase card for groceries?

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

Aeroplan Credit Card has the highest verified everyday grocery value from Chase in our data: 3x miles (about 3.9¢ per dollar toward travel).

Chase's grocery story is thin. The Sapphire Preferred earns 3x on online grocery only, not in the aisle. A few co-brand cards carry an in-store rate. Here is the verified list.

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
Aeroplan Credit Card	3x miles	3.9¢
Southwest Rapid Rewards Plus	2x points	2.4¢
Southwest Rapid Rewards Premier Credit Card	2x points	2.4¢
Marriott Bonvoy Boundless	3x points	2.1¢
Disney Premier Visa Card	2%	2¢

Value column: cash at face value; points at conservative per-program estimates (Aeroplan 1.3¢, Southwest Rapid Rewards 1.2¢, Marriott Bonvoy 0.7¢) 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 Chase card is best for groceries?

Aeroplan Credit Card has the highest verified everyday grocery value from Chase in our data: 3x miles (about 3.9¢ per dollar toward travel).

Does the Sapphire Preferred earn 3x at the supermarket?

Only for online grocery purchases, like a store's pickup or delivery site. In-store grocery earns 1x.

Does Walmart count as grocery for Chase?

No. Walmart is a superstore code. See our Walmart guide.

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 · Which Chase card for dining? · Why didn't my grocery bonus post?