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BEST CARDS · UPDATED MONTHLY

Best Credit Cards for Groceries (August 2026)

Grocery is where category caps matter most: several cards on this list earn 5-6% but cap the bonus at $6,000 or less per year. We rank by true cash-back value and flag store-specific rates (like Whole Foods-only cards) so you can pick a card that matches where you actually shop.

By Frank · Updated Aug 18, 2026 · 62 cards ranked
1 6% back
Amex Blue Cash Preferred

Amex Blue Cash Preferred

American Express
Groceries
6%
Annual fee
$95
Welcome bonus
$300
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 6% 6%
Streaming 6% 6%
Gas 3% 3%
Transit 3% 3%
Everything else 1% 1%
Benefits · $245/yr face value
Credits (1)
  • $10 Monthly Disney Bundle Credit $120 /monthly
Protections (4)
  • Car Rental Insurance $50 /yr
  • Purchase Protection $25 /yr
  • Extended Warranty $25 /yr
  • Return Protection $25 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

2 4x → ≈ 5.6% back
Amex Gold

Amex Gold

American Express
Groceries
4x
Annual fee
$325
Welcome bonus
As high as 100,000 Membership Rewards Points
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 4x 5.6%
Groceries 4x 5.6%
Flights 3x 4.2%
Travel 2x 2.8%
Everything else 1x 1.4%
Benefits · $524/yr face value
Credits (5)
  • $10 Monthly Dining Credit $120 /monthly
  • $10 Monthly Uber Credit $120 /monthly
  • Hotel Collection $100 /yr
  • $100 Resy Credit $100 /semi-annual
  • $7 Monthly Dunkin Credit $84 /monthly
Status & Elite Perks (1)
  • Hertz Five Star Status
Protections (1)
  • Travel Insurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

3 5% back
AAA Daily Advantage Visa

AAA Daily Advantage Visa

Bread Financial
Groceries
5%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 5% 5%
Gas 3% 3%
Wholesale Clubs 3% 3%
Streaming 3% 3%
Drugstores 3% 3%
Everything else 1% 1%
4 5% back Whole Foods only
Amazon Business Prime Card

Amazon Business Prime Card

American Express
Whole Foods
5%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Amazon 5% 5%
Whole Foods 5% 5%
Dining 2% 2%
Gas 2% 2%
Internet / Cable / Phone 2% 2%
Everything else 1% 1%
5 5% back Whole Foods only
Amazon Prime Store Card

Amazon Prime Store Card

Synchrony Bank
Whole Foods
5%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Amazon 5% 5%
Whole Foods 5% 5%
Everything else 0% 0%
6 5% back Whole Foods only
Chase Prime Visa

Chase Prime Visa

Chase
Whole Foods
5%
Annual fee
$0
Welcome bonus
$150 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance on approval
Benefits
8
All earn rates & benefits
Earn rates
CategoryRateTrue value
Amazon 5% 5%
Whole Foods 5% 5%
Dining 2% 2%
Gas 2% 2%
Transit 2% 2%
Everything else 1% 1%
Benefits · $200/yr face value
Status & Elite Perks (1)
  • Roadside Assistance
Protections (7)
  • Baggage Delay Insurance $100 /yr
  • Purchase Protection $50 /yr
  • Lost Luggage Reimbursement $50 /yr
  • Extended Warranty Protection
  • Auto Rental Coverage
  • Travel Accident Insurance
  • Zero Liability Protection

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

7 5% back Instacart only
Instacart Mastercard

Instacart Mastercard

Chase
Instacart
5%
Annual fee
$0
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Instacart 5% 5%
Dining 2% 2%
Gas 2% 2%
Streaming 2% 2%
Everything else 1% 1%
Benefits · $0/yr face value
Status & Elite Perks (1)
  • World Elite Concierge
Protections (4)
  • Purchase Protection
  • Extended Warranty Protection
  • Auto Rental Coverage
  • Travel Accident Insurance

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

8 3x → ≈ 4.2% back
Amex EveryDay Preferred

Amex EveryDay Preferred

American Express
Groceries
3x
Annual fee
$95
Benefits
2
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 3x 4.2%
Gas 2x 2.8%
Everything else 1x 1.4%
Benefits · $0/yr face value
Other (2)
  • 50% Points Bonus
  • 0% Intro APR

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

9 4% back
Verizon Visa Card

Verizon Visa Card

Synchrony Bank
Groceries
4%
Annual fee
$0
Benefits
2
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 4% 4%
Gas 4% 4%
Dining 4% 4%
Verizon 4% 4%
Everything else 1% 1%
Benefits · $0/yr face value
Other (2)
  • Verizon Dollars No Expiration
  • Visa Signature Benefits

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

10 3x → ≈ 3.9% back
Chase Aeroplan Card

Chase Aeroplan Card

Chase
Groceries
3x
Annual fee
$95
Benefits
9
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 3x 3.9%
Air Canada 3x 3.9%
Groceries 3x 3.9%
Everything else 1x 1.3%
Benefits · $420/yr face value
Credits (4)
  • Monthly Bonus Points $180 /monthly
  • Complimentary DashPass $120 /yr
  • Global Entry or TSA PreCheck or NEXUS Fee Credit $120 /yr
  • Free First Checked Bags
Status & Elite Perks (3)
  • Aeroplan 25K Status for New Cardmembers
  • Aeroplan Elite Status Level Up
  • Maintain or Qualify for Aeroplan Elite 25K Status
Other (2)
  • Preferred Pricing
  • 10% Bonus on Ultimate Rewards Point Transfers

Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →

Show all 62 cards ranked for groceries · ranked #11–#62
11 3x → ≈ 3.75% back
Bilt Obsidian Card

Bilt Obsidian Card

First Electronic Bank
Groceries
3x
Annual fee
$95
Welcome bonus
$200 Bilt Cash credited upon card approval
Benefits
10
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 3x 3.75%
Groceries 3x 3.75%
Travel 2x 2.5%
Rent 1x 1.25%
Everything else 1x 1.25%
Benefits · $610/yr face value
Credits (2)
  • $200 Annual Bilt Cash Benefit $200 /yr
  • $100 Bilt Travel Hotel Credit $100 /semi-annual
Protections (8)
  • Trip Cancellation/Interruption Insurance $60 /yr
  • Cell Phone Protection $50 /yr
  • Purchase Assurance $50 /yr
  • Lost/Damaged Luggage Insurance $40 /yr
  • Trip Delay Reimbursement $30 /yr
  • Extended Warranty $30 /yr
  • MasterRental Coverage $30 /yr
  • Price Drop Protection $20 /yr

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

12 3% back
Amex Blue Cash Everyday

Amex Blue Cash Everyday

American Express
Groceries
3%
Annual fee
$0
Welcome bonus
$200
Benefits
2
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 3% 3%
Gas 3% 3%
Retail Online 3% 3%
Everything else 1% 1%
Benefits · $264/yr face value
Credits (2)
  • $15 Monthly Home Chef Credit $180 /monthly
  • $7 Monthly Disney Bundle Credit $84 /monthly

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

13 2x → ≈ 3% back
Amex Delta Gold

Amex Delta Gold

American Express
Groceries
2x
Annual fee
$150
Welcome bonus
90,000 Delta SkyMile Points
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
Delta 2x 3%
Dining 2x 3%
Groceries 2x 3%
Everything else 1x 1.5%
Benefits · $700/yr face value
Credits (4)
  • $200 Delta Flight Credit $200 /yr
  • $10 Monthly Rideshare Credit $120 /monthly
  • $100 Delta Stays Credit $100 /yr
  • 20% Back on In-Flight Purchases
Status & Elite Perks (1)
  • First & Second Checked Bag Free $280 /yr
Other (1)
  • TakeOff 15: 15% Off Award Travel

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

14 3% back
Capital One Savor

Capital One Savor

Capital One
Groceries
3%
Annual fee
$0
Benefits
10
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 3% 3%
Dining 3% 3%
Entertainment 3% 3%
Streaming 3% 3%
Everything else 1% 1%
Benefits · $0/yr face value
Credits (2)
  • Capital One Entertainment Access
  • Capital One Travel Enhanced Earning
Status & Elite Perks (1)
  • Capital One Dining Access
Protections (2)
  • Extended Warranty
  • Travel Accident Insurance
Other (5)
  • 50% off Handcrafted Beverages
  • No Foreign Transaction Fees
  • Complimentary Concierge Service
  • CreditWise Credit Monitoring
  • Virtual Card Numbers

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

15 3% back
Capital One SavorOne

Capital One SavorOne

Capital One
Groceries
3%
Annual fee
$39
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 3% 3%
Groceries 3% 3%
Entertainment 3% 3%
Streaming 3% 3%
Everything else 1% 1%
16 3% back Whole Foods only
Chase Amazon Visa

Chase Amazon Visa

Chase
Whole Foods
3%
Annual fee
$0
Benefits
8
All earn rates & benefits
Earn rates
CategoryRateTrue value
Amazon 3% 3%
Whole Foods 3% 3%
Gas 2% 2%
Transit 2% 2%
Dining 2% 2%
Everything else 1% 1%
Benefits · $503,600/yr face value
Protections (7)
  • Travel Accident Insurance $500,000 /yr
  • Lost Luggage Reimbursement $3,000 /yr
  • Purchase Protection $500 /yr
  • Baggage Delay Insurance $100 /yr
  • Extended Warranty Protection
  • Auto Rental Coverage
  • Zero Liability Protection
Other (1)
  • Contactless Payment

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

17 5x → ≈ 3% back
Choice Privileges Select Mastercard

Choice Privileges Select Mastercard

Wells Fargo
Groceries
5x
Annual fee
$95
Welcome bonus
60,000 bonus points
Benefits
4
All earn rates & benefits
Earn rates
CategoryRateTrue value
Choice Hotels 10x 6%
Gas 5x 3%
Groceries 5x 3%
Home Improvement 5x 3%
Internet / Cable / Phone 5x 3%
EV Charging 5x 3%
Everything else 1x 0.6%
Benefits · $300/yr face value
Credits (2)
  • 30,000 Anniversary Bonus Points $180 /yr
  • $120 Global Entry or TSA PreCheck Fee Credit $120 /yr
Status & Elite Perks (1)
  • Choice Privileges Platinum Elite Status
Protections (1)
  • Cell Phone Protection

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

18 3% back
Citi Strata

Citi Strata

Citi
Groceries
3%
Annual fee
$0
Benefits
2
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 3% 3%
Gas 3% 3%
EV Charging 3% 3%
Transit 3% 3%
Dining 2% 2%
Everything else 1% 1%
Benefits · $0/yr face value
Status & Elite Perks (1)
  • Mastercard ID Theft Protection
Other (1)
  • ThankYou Points Transfer

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

19 3% back
Citi Strata Premier

Citi Strata Premier

Citi
Groceries
3%
Annual fee
$95
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Flights 3% 3%
Hotels 3% 3%
Dining 3% 3%
Groceries 3% 3%
Gas 3% 3%
Everything else 1% 1%
EV Charging 3x 0%
Benefits · $2,600/yr face value
Credits (1)
  • Annual Hotel Benefit $100 /yr
Protections (4)
  • Trip Cancellation/Interruption Insurance $1,000 /yr
  • Lost or Damaged Luggage Insurance $1,000 /yr
  • Trip Delay Insurance $500 /yr
  • MasterRental Coverage

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

20 3% back
HSBC Premier

HSBC Premier

HSBC
Groceries
3%
Annual fee
$95
Benefits
10
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 3% 3%
Groceries 3% 3%
Travel 2% 2%
Everything else 1% 1%
Benefits · $1,049/yr face value
Credits (5)
  • 50,000 Welcome Bonus Points $625
  • $10 Monthly Instacart+ Credit $140 /monthly
  • Global Entry/TSA PreCheck Credit $85 /yr
  • $5 Monthly TV Streaming Credit $60 /monthly
  • $5 Monthly Lyft Credit $60 /monthly
Status & Elite Perks (1)
  • ShopRunner Membership $79 /yr
Protections (3)
  • Cell Phone Protection
  • Purchase Assurance
  • Mastercard ID Theft Protection
Other (1)
  • Booking.com Discount

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

21 3% back
Navy Federal More Rewards Amex

Navy Federal More Rewards Amex

Navy Federal Credit Union
Groceries
3%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 3% 3%
Gas 3% 3%
Transit 3% 3%
Dining 3% 3%
Everything else 1% 1%
22 2x → ≈ 3% back
US Bank Altitude Connect

US Bank Altitude Connect

U.S. Bank
Groceries
2x
Annual fee
$0
Welcome bonus
20,000 bonus points
Benefits
4
All earn rates & benefits
Earn rates
CategoryRateTrue value
Travel 4x 6%
Gas 4x 6%
EV Charging 4x 6%
Dining 2x 3%
Streaming 2x 3%
Groceries 2x 3%
Everything else 1x 1.5%
Benefits · $130/yr face value
Credits (2)
  • $100 Global Entry or TSA PreCheck Fee Credit $100 /yr
  • $30 Streaming Credit $30 /yr
Status & Elite Perks (1)
  • Priority Pass Select Membership
Protections (1)
  • Travel Protection

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

23 2x → ≈ 3% back
US Bank Altitude Go

US Bank Altitude Go

U.S. Bank
Groceries
2x
Annual fee
$0
Welcome bonus
20,000 bonus points
Benefits
2
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 4x 6%
Groceries 2x 3%
Streaming 2x 3%
Gas 2x 3%
EV Charging 2x 3%
Everything else 1x 1.5%
Benefits · $615/yr face value
Credits (1)
  • $15 Annual Streaming Credit $15 /yr
Protections (1)
  • Cell Phone Protection $600 /yr

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

24 3% back
Venmo Credit Card

Venmo Credit Card

Synchrony Bank
Groceries
3%
Annual fee
$0
Benefits
3
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 3% 3%
Groceries 3% 3%
Gas 3% 3%
Everything else 1% 1%
Benefits · $145/yr face value
Protections (3)
  • Auto Rental Collision Damage Waiver $75 /yr
  • Cell Phone Protection $50 /yr
  • Lost Luggage Reimbursement $20 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

25 3% back
Wells Fargo One Key+ Card

Wells Fargo One Key+ Card

Wells Fargo
Groceries
3%
Annual fee
$99
Welcome bonus
$350 in OneKeyCash
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 3% 3%
Groceries 3% 3%
Gas 3% 3%
Everything else 2% 2%
Benefits · $220/yr face value
Credits (2)
  • Global Entry/TSA PreCheck Credit $120
  • $100 Anniversary OneKeyCash Bonus $100 /yr
Status & Elite Perks (1)
  • One Key Gold Status
Protections (4)
  • Cell Phone Protection
  • Auto Rental Collision Damage Waiver
  • Trip Cancellation/Interruption Insurance
  • Travel Accident Insurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

26 3% back
Wells Fargo One Key+ Card

Wells Fargo One Key+ Card

Wells Fargo
Groceries
3%
Annual fee
$99
Welcome bonus
$350 in OneKeyCash
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 3% 3%
Groceries 3% 3%
Gas 3% 3%
Everything else 2% 2%
Benefits · $220/yr face value
Credits (2)
  • Global Entry/TSA PreCheck Credit $120
  • $100 Anniversary OneKeyCash Bonus $100 /yr
Status & Elite Perks (1)
  • One Key Gold Status
Protections (4)
  • Cell Phone Protection
  • Auto Rental Collision Damage Waiver
  • Trip Cancellation/Interruption Insurance
  • Travel Accident Insurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

27 2x → ≈ 2.8% back
Amex EveryDay

Amex EveryDay

American Express
Groceries
2x
Annual fee
$0
Benefits
3
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 2x 2.8%
Everything else 1x 1.4%
Benefits · $100/yr face value
Credits (1)
  • Welcome Bonus $100
Other (2)
  • 20% Points Bonus
  • 0% Intro APR

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

28 4x → ≈ 2.8% back
Amex Marriott Bevy

Amex Marriott Bevy

American Express
Groceries
4x
Annual fee
$250
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Marriott 6x 4.2%
Groceries 4x 2.8%
Dining 4x 2.8%
Everything else 2x 1.4%
Benefits · $215/yr face value
Status & Elite Perks (5)
  • Free Night Award (up to 50,000 points) $200 /yr
  • 15 Elite Night Credits $15 /yr
  • 25% Bonus Points on Stays
  • Marriott Bonvoy Gold Elite Status
  • 1,000 Bonus Points Per Stay

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

29 2x → ≈ 2.8% back
Barclays Hawaiian

Barclays Hawaiian

Barclays
Groceries
2x
Annual fee
$99
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Hawaiian 3x 4.2%
Gas 2x 2.8%
Dining 2x 2.8%
Groceries 2x 2.8%
Everything else 1x 1.4%
Benefits · $420/yr face value
Credits (3)
  • One-time 50%-off Companion Discount $200
  • Two Free Checked Bags $120 /yr
  • $100 Annual Companion Discount $100 /yr
Other (2)
  • Share Miles
  • Miles Never Expire

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

30 2x → ≈ 2.8% back
Barclays JetBlue

Barclays JetBlue

Barclays
Groceries
2x
Annual fee
$0
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
JetBlue 3x 4.2%
Dining 2x 2.8%
Groceries 2x 2.8%
Everything else 1x 1.4%
Benefits · $50/yr face value
Credits (1)
  • 50% Inflight Purchase Savings $50 /yr
Status & Elite Perks (1)
  • Mosaic Status Acceleration
Other (3)
  • Points Payback
  • No Blackout Dates
  • Points Never Expire

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

31 2x → ≈ 2.8% back
Barclays JetBlue Plus

Barclays JetBlue Plus

Barclays
Groceries
2x
Annual fee
$99
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
JetBlue 6x 8.4%
Dining 2x 2.8%
Groceries 2x 2.8%
Everything else 1x 1.4%
Benefits · $150/yr face value
Credits (4)
  • Anniversary Bonus $100 /yr
  • Inflight Purchase Savings $50 /yr
  • Points Redemption Bonus
  • Free First Checked Bag
Status & Elite Perks (1)
  • Group A Boarding
Other (1)
  • Points Payback

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

32 2x → ≈ 2.8% back
Barclays JetBlue Premier

Barclays JetBlue Premier

Barclays
Groceries
2x
Annual fee
$499
Benefits
9
All earn rates & benefits
Earn rates
CategoryRateTrue value
JetBlue 6x 8.4%
Dining 2x 2.8%
Groceries 2x 2.8%
Everything else 1x 1.4%
Benefits · $570/yr face value
Credits (6)
  • Paisly Statement Credits $300 /yr
  • Global Entry/TSA PreCheck Credit $120 /yr
  • Anniversary Bonus $100 /yr
  • Inflight Purchase Savings $50 /yr
  • Points Redemption Bonus
  • Free First Checked Bag
Status & Elite Perks (2)
  • Priority Pass Select
  • Group A Boarding
Other (1)
  • Points Payback

Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →

33 4x → ≈ 2.8% back
Chase Marriott Bountiful

Chase Marriott Bountiful

Chase
Groceries
4x
Annual fee
$250
Welcome bonus
85,000 Bonus Points
Benefits
8
All earn rates & benefits
Earn rates
CategoryRateTrue value
Marriott 6x 4.2%
Groceries 4x 2.8%
Dining 4x 2.8%
Everything else 2x 1.4%
Benefits · $695/yr face value
Credits (1)
  • Free Night Award (After $15K Spend) $300 /yr
Status & Elite Perks (2)
  • Automatic Gold Elite Status $100 /yr
  • 15 Elite Night Credits
Protections (4)
  • Baggage Delay Reimbursement $50 /yr
  • Lost Luggage Coverage $50 /yr
  • Trip Delay Reimbursement $50 /yr
  • Purchase Protection $25 /yr
Other (1)
  • Complimentary DashPass $120 /yr

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

34 2x → ≈ 2.6% back
Chase Southwest Plus

Chase Southwest Plus

Chase
Groceries
2x
Annual fee
$99
Benefits
12
All earn rates & benefits
Earn rates
CategoryRateTrue value
Southwest 2x 2.6%
Gas 2x 2.6%
Groceries 2x 2.6%
Everything else 1x 1.3%
Benefits · $353/yr face value
Credits (6)
  • Complimentary DashPass $144 /yr
  • Companion Pass Qualifying Points Boost $130 /yr
  • DoorDash Quarterly Discount $40 /quarterly
  • Anniversary Points $39 /yr
  • 10% Anniversary Promo Code
  • Inflight Purchase Discount
Status & Elite Perks (2)
  • Free First Checked Bag
  • Standard Seat Selection & Priority Boarding
Protections (4)
  • Extended Warranty Protection
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance
  • Purchase Protection

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

35 2x → ≈ 2.6% back
Chase Southwest Premier

Chase Southwest Premier

Chase
Groceries
2x
Annual fee
$149
Benefits
9
All earn rates & benefits
Earn rates
CategoryRateTrue value
Southwest 3x 3.9%
Groceries 2x 2.6%
Dining 2x 2.6%
Everything else 1x 1.3%
Transit 1x 1.3%
Streaming 1x 1.3%
Benefits · $392/yr face value
Credits (7)
  • Complimentary DashPass $144 /yr
  • 10,000 Companion Pass® Boost $130 /yr
  • 6,000 Anniversary Points $78 /yr
  • DoorDash Quarterly Discount $40 /quarterly
  • Inflight Purchase Discount
  • 15% Anniversary Promo Code
  • Tier Qualifying Points
Status & Elite Perks (2)
  • Preferred Seat Selection & Priority Boarding
  • Free First Checked Bag

Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →

36 3x → ≈ 2.55% back
PenFed Platinum Rewards

PenFed Platinum Rewards

PenFed Credit Union
Groceries
3x
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 5x 4.25%
Groceries 3x 2.55%
Dining 3x 2.55%
Streaming 3x 2.55%
Everything else 1x 0.85%
37 2x → ≈ 2.4% back
Amex Delta Platinum

Amex Delta Platinum

American Express
Groceries
2x
Annual fee
$350
Welcome bonus
100,000 Delta SkyMiles
Benefits
10
All earn rates & benefits
Earn rates
CategoryRateTrue value
Hotels 3x 3.6%
Flights 3x 3.6%
Dining 2x 2.4%
Groceries 2x 2.4%
Everything else 1x 1.2%
Benefits · $1,260/yr face value
Credits (6)
  • Annual Companion Certificate $400 /yr
  • $150 Delta Stays Credit $150 /yr
  • Free Checked Bag $140 /yr
  • $10 Monthly Rideshare Credit $120 /monthly
  • $10 Monthly Resy Credit $120 /monthly
  • Global Entry/TSA PreCheck Credit $30
Status & Elite Perks (2)
  • Priority Boarding $50 /yr
  • MQD Headstart
Protections (1)
  • Cell Phone Protection $50 /yr
Other (1)
  • Award Travel Discount $200 /yr

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

38 6x → ≈ 2.4% back
Amex Hilton Surpass

Amex Hilton Surpass

American Express
Groceries
6x
Annual fee
$150
Welcome bonus
130,000 Hilton Points + 1 Free Night
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Hilton 12x 4.8%
Dining 6x 2.4%
Groceries 6x 2.4%
Gas 6x 2.4%
Everything else 3x 1.2%
Retail Online 4x 0%
Benefits · $201/yr face value
Credits (1)
  • $200 Hilton Credit $200 /quarterly
Status & Elite Perks (4)
  • Free Night Reward after $15,000 spend $1 /yr
  • Hilton Honors Diamond Status after $40,000 spend
  • National Emerald Club Executive Status
  • Hilton Honors Gold Status

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

39 3x → ≈ 2.1% back
Chase Marriott Bonvoy Boundless

Chase Marriott Bonvoy Boundless

Chase
Groceries
3x
Annual fee
$95
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Marriott 6x 4.2%
Dining 3x 2.1%
Groceries 3x 2.1%
Gas 3x 2.1%
Everything else 2x 1.4%
Benefits · $420/yr face value
Credits (2)
  • Annual Free Night Award $200 /yr
  • DoorDash Quarterly Credit $40 /quarterly
Status & Elite Perks (4)
  • 15 Elite Night Credits $35 /yr
  • Automatic Silver Elite Status $25 /yr
  • Path to Gold Status
  • Elite Night Credits from Spending
Other (1)
  • Complimentary DashPass $120 /yr

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

40 2% back
AA AAdvantage MileUp

AA AAdvantage MileUp

Citi
Groceries
2%
Annual fee
$0
Benefits
3
All earn rates & benefits
Earn rates
CategoryRateTrue value
American 2% 2%
Groceries 2% 2%
Everything else 1% 1%
Benefits · $0/yr face value
Credits (2)
  • Inflight Food Beverage Discount
  • American Airlines Vacations Discount
Other (1)
  • Miles Redemption Discount

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

41 5x → ≈ 2% back
Amex Hilton Express

Amex Hilton Express

American Express
Groceries
5x
Annual fee
$0
Benefits
1
All earn rates & benefits
Earn rates
CategoryRateTrue value
Hilton 7x 2.8%
Groceries 5x 2%
Dining 5x 2%
Gas 5x 2%
Everything else 3x 1.2%
Benefits · $10/yr face value
Status & Elite Perks (1)
  • Hilton Honors Silver Status $10 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

42 2% back
Barclays View Mastercard

Barclays View Mastercard

Barclays
Groceries
2%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 3% 3%
Groceries 2% 2%
Streaming 2% 2%
Internet / Cable / Phone 2% 2%
Everything else 1% 1%
43 4x → ≈ 2% back
Barclays Wyndham Earner Plus

Barclays Wyndham Earner Plus

Barclays
Groceries
4x
Annual fee
$75
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 6x 3%
Dining 4x 2%
Groceries 4x 2%
Everything else 1x 0.5%
Benefits · $350/yr face value
Credits (2)
  • Welcome Bonus $300
  • Anniversary Bonus $50 /yr
Status & Elite Perks (1)
  • Wyndham Rewards Platinum Status
Protections (1)
  • $0 Fraud Liability Protection
Other (3)
  • Earn Free Nights Faster
  • Cardmember Booking Discount
  • 0% Intro APR Balance Transfers

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

44 2% back
BoA Customized Cash Rewards

BoA Customized Cash Rewards

Bank of America
Groceries
2%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 2% 2%
Everything else 1% 1%
45 2% back
Chase Disney Inspire

Chase Disney Inspire

Chase
Groceries
2%
Annual fee
$149
Welcome bonus
$300 Disney Gift Card + $300 statement credit
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Disney Streaming 10% 10%
Disney 3% 3%
Gas 3% 3%
Groceries 2% 2%
Dining 2% 2%
Everything else 1% 1%
Benefits · $420/yr face value
Credits (3)
  • $200 Disney Resort & Cruise Credit $200 /yr
  • $120 Disney Streaming Credit $120 /yr
  • $100 Theme Park Ticket Credit $100 /yr
Other (2)
  • Disney Merchandise & Dining Discount
  • Cardmember Character Photo Opportunities

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

46 2% back
Chase Disney Inspire Visa

Chase Disney Inspire Visa

Chase
Groceries
2%
Annual fee
$149
Welcome bonus
$300 Disney Gift Card upon approval + $300 statement credit
Benefits
14
All earn rates & benefits
Earn rates
CategoryRateTrue value
Disney Streaming 10% 10%
Gas 3% 3%
Disney 3% 3%
Groceries 2% 2%
Dining 2% 2%
Everything else 1% 1%
Benefits · $835/yr face value
Credits (3)
  • Disney Resort & Cruise Anniversary Bonus $200 /yr
  • $10 Monthly Disney Streaming Credit $120 /monthly
  • Disney Theme Park Ticket Credit $100 /yr
Protections (3)
  • Purchase Protection $100 /yr
  • Baggage Delay Insurance $100 /yr
  • Extended Warranty Protection $50 /yr
Other (8)
  • Complimentary DashPass $120 /yr
  • Disney Guided Tours Discount $15 /yr
  • Disney Parks Merchandise Discount $10 /yr
  • Disney Dining Discount $10 /yr
  • Disney Store Discount $10 /yr
  • Disney Cardmember Photo Opportunities
  • Disney Vacation Financing
  • No Foreign Transaction Fees

Redemption progress, reset dates and expiry alerts for all 14 benefits — track them automatically in the MaxWorth app →

47 2% back
Chase Disney Premier Visa Card

Chase Disney Premier Visa Card

Chase
Groceries
2%
Annual fee
$49
Benefits
13
All earn rates & benefits
Earn rates
CategoryRateTrue value
Disney Streaming 5% 5%
Gas 2% 2%
Groceries 2% 2%
Dining 2% 2%
Disney 2% 2%
Everything else 1% 1%
Benefits · $775/yr face value
Protections (3)
  • Purchase Protection $500 /yr
  • Baggage Delay Insurance $100 /yr
  • Extended Warranty Protection
Other (10)
  • Complimentary DashPass $120 /yr
  • Disney Guided Tours Discount $15 /yr
  • Disney Cruise Merchandise Discount $10 /yr
  • Disney Dining Discount $10 /yr
  • Disney Parks Merchandise Discount $10 /yr
  • Disney Store Discount $10 /yr
  • Pay Yourself Back - Airlines
  • Disney Vacation Financing
  • No Foreign Transaction Fees
  • Disney Cardmember Photo Opportunities

Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →

48 2% back
DoorDash Rewards Mastercard

DoorDash Rewards Mastercard

Chase
Groceries
2%
Annual fee
$0
Welcome bonus
Complimentary year of DashPass
Benefits
8
All earn rates & benefits
Earn rates
CategoryRateTrue value
DoorDash 4% 4%
Dining 3% 3%
Groceries 2% 2%
Everything else 1% 1%
Benefits · $302/yr face value
Credits (3)
  • Annual DashPass with $10K Spend $96 /yr
  • Complimentary DashPass (First Year) $96
  • $5 Monthly Lyft Credit $60 /monthly
Protections (5)
  • Cell Phone Protection $50 /yr
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Extended Warranty Protection
  • Trip Cancellation/Interruption Insurance

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

49 2% back
Macy's American Express Card

Macy's American Express Card

Citi
Groceries
2%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Macys 5% 5%
Dining 3% 3%
Gas 2% 2%
Groceries 2% 2%
Everything else 1% 1%
50 2% back
MGM Rewards Iconic World Elite

MGM Rewards Iconic World Elite

First National Bank of Omaha
Groceries
2%
Annual fee
$249
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Mgm Resorts 6% 6%
Hotels 2% 2%
Dining 2% 2%
Gas 2% 2%
Groceries 2% 2%
Everything else 1% 1%
Benefits · $430/yr face value
Credits (2)
  • $200 Annual Resort Credit $200 /yr
  • Global Entry/TSA PreCheck Credit $30
Status & Elite Perks (2)
  • MGM Pearl Elite Status $50 /yr
  • Priority Pass Membership $50 /yr
Protections (1)
  • Trip Cancellation & Delay Insurance $100 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

51 2% back
MGM Rewards World Elite

MGM Rewards World Elite

First National Bank of Omaha
Groceries
2%
Annual fee
$0
Welcome bonus
Earn 10,000 MGM Rewards bonus points
Benefits
1
All earn rates & benefits
Earn rates
CategoryRateTrue value
Mgm Resorts 3% 3%
Gas 2% 2%
Groceries 2% 2%
Everything else 1% 1%
Benefits · $50/yr face value
Status & Elite Perks (1)
  • MGM Pearl Elite Status $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

52 2% back
My Best Buy Visa

My Best Buy Visa

Citi
Groceries
2%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Bestbuy 5% 5%
Gas 3% 3%
Dining 2% 2%
Groceries 2% 2%
Everything else 1% 1%
53 2% back
Nordstrom Visa Credit Card

Nordstrom Visa Credit Card

TD Bank USA
Groceries
2%
Annual fee
$0
Welcome bonus
$40 Bonus Note when you use your card the day you are approved
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Nordstrom 2% 2%
Dining 2% 2%
Groceries 2% 2%
Gas 2% 2%
EV Charging 2% 2%
Streaming 2% 2%
Everything else 1% 1%
Benefits · $230/yr face value
Status & Elite Perks (1)
  • Anniversary Sale Early Access $100 /yr
Protections (4)
  • Extended Warranty Protection $25 /yr
  • Purchase Security $25 /yr
  • Lost or Damaged Luggage Insurance $25 /yr
  • Travel Accident Insurance $5 /yr
Other (2)
  • Complimentary Alterations $50 /yr
  • 5% Off at Nordstrom Rack

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

54 2% back
PNC Cash Rewards

PNC Cash Rewards

PNC Bank
Groceries
2%
Annual fee
$0
Welcome bonus
$200 statement credit
Benefits
1
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 4% 4%
Dining 3% 3%
Groceries 2% 2%
Everything else 1% 1%
Benefits · $50/yr face value
Protections (1)
  • Cell Phone Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

55 2% back
Rakuten American Express Card

Rakuten American Express Card

American Express
Groceries
2%
Annual fee
$0
Welcome bonus
$200 cash back
Benefits
2
All earn rates & benefits
Earn rates
CategoryRateTrue value
Rakuten 4% 4%
Groceries 2% 2%
Dining 2% 2%
Everything else 1% 1%
Benefits · $50/yr face value
Protections (2)
  • Purchase Protection $50 /yr
  • Extended Warranty

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

56 2% back
SoFi Everyday Cash Rewards

SoFi Everyday Cash Rewards

The Bank of Missouri
Groceries
2%
Annual fee
$0
Benefits
1
All earn rates & benefits
Earn rates
CategoryRateTrue value
Sofi Travel 3% 3%
Dining 3% 3%
Groceries 2% 2%
Everything else 1% 1%
Benefits · $50/yr face value
Protections (1)
  • Cell Phone Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

57 2% back
US Bank Cash+

US Bank Cash+

U.S. Bank
Groceries
2%
Annual fee
$0
Welcome bonus
$200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 2% 2%
Everything else 1% 1%
58 3x → ≈ 1.8% back
Choice Privileges Mastercard

Choice Privileges Mastercard

Wells Fargo
Groceries
3x
Annual fee
$0
Welcome bonus
60,000 bonus points
Benefits
1
All earn rates & benefits
Earn rates
CategoryRateTrue value
Choice Hotels 5x 3%
Gas 3x 1.8%
Groceries 3x 1.8%
Home Improvement 3x 1.8%
Internet / Cable / Phone 3x 1.8%
Everything else 1x 0.6%
Benefits · $0/yr face value
Status & Elite Perks (1)
  • Choice Privileges Gold Status

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

59 1x → ≈ 1.4% back
Amex Schwab Platinum

Amex Schwab Platinum

American Express
Groceries
1x
Annual fee
$895
Welcome bonus
80,000 Membership Rewards Points
Benefits
19
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 1x 1.4%
Groceries 1x 1.4%
Gas 1x 1.4%
Everything else 1x 1.4%
Benefits · $5,004/yr face value
Credits (14)
  • Schwab Appreciation Bonus ($10M+) $1,000 /yr
  • $600 Hotel Credit $600 /semi-annual
  • $400 Resy Credit $400 /quarterly
  • $25 Monthly Digital Entertainment Credit $300 /monthly
  • $300 Lululemon Credit $300 /quarterly
  • $300 Equinox Credit $300 /yr
  • $189 CLEAR Plus Credit $209 /yr
  • Schwab Appreciation Bonus ($1M-$10M) $200 /yr
  • $200 Airline Fee Credit $200 /yr
  • $200 Oura Ring Credit $200 /yr
  • $15 Monthly Uber Credit $200 /monthly
  • $12.95 Monthly Walmart+ Credit $155 /monthly
  • $120 Global Entry/TSA PreCheck Credit $120 /yr
  • Schwab Appreciation Bonus ($250K-$1M) $100 /yr
Status & Elite Perks (5)
  • Centurion Lounge Access $500 /yr
  • $120 Uber One Credit $120 /yr
  • Hilton Honors Gold Status $50 /yr
  • Marriott Bonvoy Gold Elite Status $50 /yr
  • 1.1cpp Schwab Redemption

Redemption progress, reset dates and expiry alerts for all 19 benefits — track them automatically in the MaxWorth app →

60 2x → ≈ 1.4% back
Chase Marriott Bonvoy Bold

Chase Marriott Bonvoy Bold

Chase
Groceries
2x
Annual fee
$0
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Marriott 3x 2.1%
DoorDash 2x 1.4%
Groceries 2x 1.4%
Internet / Cable / Phone 2x 1.4%
Transit 2x 1.4%
Streaming 2x 1.4%
Everything else 1x 0.7%
Benefits · $910/yr face value
Credits (3)
  • Pay Yourself Back $750 /yr
  • Complimentary DashPass $120 /yr
  • Earn Up to $10 Off Quarterly on DoorDash Non-Restaurant Orders $40 /quarterly
Status & Elite Perks (2)
  • 5 Elite Night Credits
  • Automatic Silver Elite Status

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

61 2x → ≈ 1% back
Barclays Wyndham Earner

Barclays Wyndham Earner

Barclays
Groceries
2x
Annual fee
$0
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 5x 2.5%
Dining 2x 1%
Groceries 2x 1%
Everything else 1x 0.5%
Benefits · $250/yr face value
Credits (2)
  • Welcome Bonus $200
  • Anniversary Bonus $50 /yr
Status & Elite Perks (1)
  • Wyndham Rewards Gold Status
Protections (1)
  • $0 Fraud Liability Protection
Other (3)
  • Earn Free Nights Faster
  • Cardmember Booking Discount
  • 0% Intro APR Balance Transfers

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

62 2x → ≈ 1% back
Chase IHG Select

Chase IHG Select

Chase
Groceries
2x
Annual fee
$49
Benefits
3
All earn rates & benefits
Earn rates
CategoryRateTrue value
IHG 5x 2.5%
Dining 2x 1%
Gas 2x 1%
Groceries 2x 1%
Everything else 1x 0.5%
Benefits · $400/yr face value
Credits (2)
  • Anniversary Free Night Certificate $200 /yr
  • 10% Point Rebate on Redemptions $50 /yr
Status & Elite Perks (1)
  • Platinum Elite Status $150 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

How we rank

Rankings are generated from the MaxWorth database at build time. Point multipliers are converted to true cash-back value using program-level point valuations (a 4x rate in 1.4¢ points ranks as 5.6%). Issuer-portal-exclusive rates are excluded; single-brand rates are included but flagged. No card pays to be here. Content is not reviewed or endorsed by any issuer — full disclaimer.

FAQ

Do superstores like Walmart and Target count as groceries?

Almost never. Walmart, Target and warehouse clubs code as discount stores or wholesale clubs, not supermarkets — the biggest grocery-category trap.

What about online grocery delivery?

Instacart and store pickup orders usually keep the supermarket code of the underlying store; dedicated delivery services vary by issuer.