Best credit cards for groceries

Ranked by what each card is worth every year for a household that spends heavily at the supermarket. Walmart, Target and Costco usually don't count as groceries — Ledger lets you adjust for that.

Based on $2,470/month spending: dining $300, groceries $900, hotels $80, flights $100, gas $150, streaming $40, everything else $900.

1. 1
   American Express Gold CardBig grocery and restaurant spenders

   Fee

   $325

   Bonus

   $900

   Year 1

   $1,989

   Yr 2+

   $1,089

2. 2
   Citi Strata Premier3x across five everyday categories for $95

   Fee

   $95

   Bonus

   $900

   Year 1

   $1,850

   Yr 2+

   $950

3. 3
   Hilton Honors SurpassHilton loyalists who want Gold status

   Fee

   $150

   Bonus

   $650

   Year 1

   $1,331

   Yr 2+

   $681

4. 4
   Capital One Savor Cash RewardsFood and fun spending with no annual fee

   Fee

   $0

   Bonus

   $200

   Year 1

   $794

   Yr 2+

   $594

5. 5
   American Express Blue Cash PreferredFamilies spending $300+/month on groceries

   Fee

   $95

   Bonus

   $250

   Year 1

   $906

   Yr 2+

   $561

6. 6
   American Express Blue Cash EverydayGrocery and gas rewards with no annual fee

   Fee

   $0

   Bonus

   $200

   Year 1

   $652

   Yr 2+

   $452

How we rank

Ledger adds up each card's sign-up bonus, the rewards it earns on the spending above (respecting caps), and a realistic share of its credits, then subtracts the annual fee. Points are valued at our estimates — in the calculator you can switch to cash-out (≈1¢) or transfer-partner (≈2¢) values, add the cards you already have, and see which new card adds the most.

Updated Oct 30, 2026.