Best Groceries Credit Cards of October 2026

No mainstream card matches 6% back at U.S. supermarkets, good on up to $6,000 a year before the rate drops to 1%. Maxing that cap returns $360, several times the $95 fee, and the fee is waived the first year anyway. Strong secondary categories on streaming, gas, and transit round it out, with a Disney streaming credit worth $120 a year on top. It's the default pick for households that do most of their shopping at traditional supermarkets.

The Gold Card earns four points per dollar at U.S. supermarkets on up to $25,000 a year, a cap roughly four times the size of a typical cash card's, so large households keep earning long after rivals drop to 1%. Membership Rewards points transfer to more than 20 airline and hotel partners, where grocery spend can return more than any cash rate here, and the $120 dining credit and $100 Resy credit cover $220 of the $325 fee. It's the choice for big grocery budgets that want travel value instead of cash.

The Savor earns unlimited 3% at grocery stores with no cap and no annual fee, so heavy spenders never watch a meter the way they do with capped 6% cards. The same rate covers dining, entertainment, and streaming, and there are no foreign transaction fees. It is the strongest free pick, built for grocery budgets too big for capped rivals.

The Blue Cash Everyday delivers half its sibling's supermarket rate without the fee: 3% at U.S. supermarkets on up to $6,000 a year, plus the same rate on U.S. online retail and U.S. gas stations, each with its own $6,000 cap. A longer intro APR and an easy welcome bonus sweeten it further. It suits lighter grocery spenders who want Amex supermarket earning spread across more of their budget at no annual cost.

The Strata Premier earns three points per dollar at supermarkets with no annual cap, plus the same rate on dining, gas, air travel, and hotels. That's one of the broadest sets of bonus categories for a $95 fee. ThankYou points transfer to airline and hotel partners, and a $100 hotel credit covers the fee when you book a stay of $500 or more through Citi Travel. It's the grocery pick for travelers who would rather bank transferable points than cash.

This is one of the few cards that counts wholesale clubs like Costco and Sam's Club toward its 2% grocery bonus, a category nearly every supermarket card shuts out. BofA Rewards banking boosts can lift that rate as high as 3.5%, though the top boost now takes $1 million in combined balances, and a separate 3% choice category earns on top, with the bonus rates sharing a $2,500 combined quarterly cap. It fits warehouse-club families, especially ones already banking or investing with Bank of America.

Nearly every grocery card excludes superstores; the Shopper Cash Rewards flips that by letting you pick two retailers, including Walmart and Target, that earn 6% on up to $1,500 in combined spending each quarter. A separate everyday category can cover wholesale clubs at 3%, plugging the other big exclusion, and the base rate is 1%. The $95 fee is waived the first year. It's the specialist for households that buy most of their food at the superstores the rest of this list leaves out.

The Double Cash earns an effective 2% everywhere, which answers every exclusion and cap on this list: Costco runs, Walmart orders, and spending past another card's annual limit all earn the same flat rate. Rewards post as transferable ThankYou points for extra upside alongside a premium Citi card. Carry it as the no-fee backstop that guarantees no grocery dollar ever earns just 1%.