Best credit cards for groceries

Ranked by what each card returns on groceries alone, using Miles' default point valuations. The right card for you depends on the rest of your wallet: a high groceries rate is worth less than it looks if you would never use the rest of the card.

Ask Miles which of these fits your wallet

Tied best:Groceries

Amex Gold

4X American Express Membership Rewards6% return

$325 annual fee

capped at $25,000/year, then 1X · Up to $25K/yr

Tied best:Groceries

Blue Cash Preferred

6% Cash Back6% return

$95 annual fee

capped at $6,000/year, then 1% · Up to $6K/yr

Tied best:Groceries

Morgan Stanley Blue Cash Preferred

6% Cash Back6% return

$95 annual fee

capped at $6,000/year, then 1% · Up to $6K/yr

The rest

Return is the card's bonus rate on this category priced at Miles' default valuation of the points it earns, with a second currency earned on the same swipe added in; a cash-back percentage is already a return. Computed by the same optimizer chat uses, before the annual fee and any cap. A rate you have to opt into or qualify for each cycle carries that condition under its name.
Card	Return	Fee
Freedom Flex5X cashback capped at $1,500/quarter, then 1X · Up to $1.5K/qtr	5%	$0
Bilt Obsidian3X Bilt Rewards capped at $25,000/year, then 1X · Up to $25K/yr · Applies if you choose Grocery as your 3X Bonus Category	4.65%	$95
Strata Premier3X Citi ThankYou Rewards	4.5%	$95
Aeroplan Card3X Air Canada Aeroplan	4.2%	$195
Premier3X HSBC Rewards Points	3.75%	$95
Bilt Palladium2X Bilt Rewards	3.1%	$495
Blue Cash Everyday3% Cash Back capped at $6,000/year, then 1% · Up to $6K/yr	3%	$0
Booking.com Genius Rewards3% Booking.com Travel Credits	3%	$0
Savor Cash Rewards3X cashback	3%	$0
Savor for Good Credit3X cashback	3%	$0
Savor Student Rewards3X cashback	3%	$0
SavorOne Cash Rewards3X cashback	3%	$39

Showing the top 15 of 119 cards that return above 1.5% on groceries. 60 of them earn a groceries bonus. Browse them all →

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