Best Credit Cards for Groceries (March 2026)
Ranked by actual rewards rates at groceries merchants. 15 cards tested.
Updated March 11, 2026·PointsPick Data Team
Data verified March 2026 · Methodology
Quick Answer
The best credit card for groceries in 2026 is the American Express® Gold Card ($325/yr annual fee). We compared 15 cards across rewards rates, fees, and benefits to find the top picks.
Looking for cash rewards? See our best cash back credit cards — ranked by reward rate and annual fee value.
Top 15 Cards Compared
#1
Top Pick
4x U.S. Supermarke$325/yrNo FTF60,000 points
American Express® Gold Card earns 4X on u.s. supermarkets, no foreign transaction fee, plus a 60,000 points signup bonus.
Rewards Rate
4xU.S. Supermarkets
4xDining
3xFlights
1xEverything Else
1.0xAll other purchases
Why we picked it: American Express® Gold Card earns 4X on u.s. supermarkets, no foreign transaction fee, plus a 60,000 points signup bonus.
Pros
- 4X on u.s. supermarkets
- No foreign transaction fee
- Transferable points to travel partners
Cons
- High $325 annual fee
#2
Runner Up
3x Online Grocery$95/yrNo FTF75,000 points
Sapphire Preferred earns 3X on online grocery, for just $95/yr, no foreign transaction fee, plus a 75,000 points signup bonus.
Rewards Rate
3xOnline Grocery
5xTravel Via Chase Portal
3xDining
3xStreaming
1.0xAll other purchases
Why we picked it: Sapphire Preferred earns 3X on online grocery, for just $95/yr, no foreign transaction fee, plus a 75,000 points signup bonus.
Pros
- 3X on online grocery
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
#3
6x US supermarkets$95/yrNo FTF
Blue Cash Preferred (Morgan Stanley) earns 6X on us supermarkets, for just $95/yr, no foreign transaction fee.
Rewards Rate
6xUS supermarkets
6xStreaming Services
3xTransit
3xUs Gas Stations
1.0xAll other purchases
Why we picked it: Blue Cash Preferred (Morgan Stanley) earns 6X on us supermarkets, for just $95/yr, no foreign transaction fee.
Pros
- 6X on us supermarkets
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
- No point transfer partners
#4
6x US supermarkets$95/yrNo FTFUp to $300 cash back
Blue Cash Preferred earns 6X on us supermarkets, for just $95/yr, no foreign transaction fee, plus a Up to $300 cash back signup bonus.
Rewards Rate
6xUS supermarkets
6xStreaming Services
3xTransit
3xUs Gas Stations
1.0xAll other purchases
Why we picked it: Blue Cash Preferred earns 6X on us supermarkets, for just $95/yr, no foreign transaction fee, plus a Up to $300 cash back signup bonus.
Pros
- 6X on us supermarkets
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
- No point transfer partners
#5
3x US supermarkets$95/yrNo FTF
Everyday Preferred earns 3X on us supermarkets, for just $95/yr, no foreign transaction fee.
Rewards Rate
3xUS supermarkets
2xUs Gas Stations
1xEverything Else
1x50% Bonus
1.0xAll other purchases
Why we picked it: Everyday Preferred earns 3X on us supermarkets, for just $95/yr, no foreign transaction fee.
Pros
- 3X on us supermarkets
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
- No point transfer partners
#6
3x Hotels, air tra$0/yr feeNo FTF
Strata earns 3X on hotels, air travel, restaurants, supermarkets, gas, with no annual fee, no foreign transaction fee.
Rewards Rate
3xHotels, air travel, restaurants, supermarkets, gas
1xEverything Else
1.0xAll other purchases
Why we picked it: Strata earns 3X on hotels, air travel, restaurants, supermarkets, gas, with no annual fee, no foreign transaction fee.
Pros
- 3X on hotels, air travel, restaurants, supermarkets, gas
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#7
3x Supermarkets$95/yrNo FTF60,000 points
Strata Premier earns 3X on supermarkets, for just $95/yr, no foreign transaction fee, plus a 60,000 points signup bonus.
Rewards Rate
3xSupermarkets
10xHotels/Car Rentals Via Citi Travel
3xDining
3xGas Stations
1.0xAll other purchases
Why we picked it: Strata Premier earns 3X on supermarkets, for just $95/yr, no foreign transaction fee, plus a 60,000 points signup bonus.
Pros
- 3X on supermarkets
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
#8
3x Hotels, air tra$595/yrNo FTF
Strata Elite earns 3X on hotels, air travel, restaurants, supermarkets, gas, no foreign transaction fee.
Rewards Rate
3xHotels, air travel, restaurants, supermarkets, gas
1xEverything Else
1.0xAll other purchases
Why we picked it: Strata Elite earns 3X on hotels, air travel, restaurants, supermarkets, gas, no foreign transaction fee.
Pros
- 3X on hotels, air travel, restaurants, supermarkets, gas
- No foreign transaction fee
Cons
- High $595 annual fee
- No point transfer partners
#9
5x Grocery stores$0/yr feeNo FTF
AAA Daily Advantage earns 5X on grocery stores, with no annual fee, no foreign transaction fee.
Rewards Rate
5xGrocery stores
3xGas Stations & Ev Charging
3xWholesale Clubs
1xEverything Else
1.0xAll other purchases
Why we picked it: AAA Daily Advantage earns 5X on grocery stores, with no annual fee, no foreign transaction fee.
Pros
- 5X on grocery stores
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#10
3x Dining & grocer$395/yrNo FTF
Atmos Rewards Summit earns 3X on dining & grocery, no foreign transaction fee.
Rewards Rate
3xDining & grocery
5xSustainable Brands
2xEverything Else
1.0xAll other purchases
Why we picked it: Atmos Rewards Summit earns 3X on dining & grocery, no foreign transaction fee.
Pros
- 3X on dining & grocery
- No foreign transaction fee
Cons
- High $395 annual fee
- No point transfer partners
#11
3x Restaurants & g$499/yrNo FTF
JetBlue Premier earns 3X on restaurants & grocery stores, no foreign transaction fee.
Rewards Rate
3xRestaurants & grocery stores
8xJetblue Purchases
1xEverything Else
1.0xAll other purchases
Why we picked it: JetBlue Premier earns 3X on restaurants & grocery stores, no foreign transaction fee.
Pros
- 3X on restaurants & grocery stores
- No foreign transaction fee
Cons
- High $499 annual fee
- No point transfer partners
#12
2x US supermarkets$0/yr feeNo FTF
Everyday earns 2X on us supermarkets, with no annual fee, no foreign transaction fee.
Rewards Rate
2xUS supermarkets
1xEverything Else
1x20% Bonus
1.0xAll other purchases
Why we picked it: Everyday earns 2X on us supermarkets, with no annual fee, no foreign transaction fee.
Pros
- 2X on us supermarkets
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#13
2x Grocery stores$0/yr feeNo FTF
AAdvantage MileUp earns 2X on grocery stores, with no annual fee, no foreign transaction fee.
Rewards Rate
2xGrocery stores
2xAmerican Airlines Purchases
1xEverything Else
1.0xAll other purchases
Why we picked it: AAdvantage MileUp earns 2X on grocery stores, with no annual fee, no foreign transaction fee.
Pros
- 2X on grocery stores
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#14
3x Groceries$0/yr feeNo FTF$200 cash back
Savor earns 3X on groceries, with no annual fee, no foreign transaction fee, plus a $200 cash back signup bonus.
Rewards Rate
3xGroceries
8xCapital One Entertainment
3xDining
3xStreaming Services
1.0xAll other purchases
Why we picked it: Savor earns 3X on groceries, with no annual fee, no foreign transaction fee, plus a $200 cash back signup bonus.
Pros
- 3X on groceries
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
#15
3x Dining, grocery$0/yr feeNo FTF
Xbox earns 3X on dining, grocery, entertainment, with no annual fee, no foreign transaction fee.
Rewards Rate
3xDining, grocery, entertainment
5xXbox Purchases
1xEverything Else
1.0xAll other purchases
Why we picked it: Xbox earns 3X on dining, grocery, entertainment, with no annual fee, no foreign transaction fee.
Pros
- 3X on dining, grocery, entertainment
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
RelatedAmerican Express® Gold Card vs Sapphire Preferred·American Express® Gold Card Review·Sapphire Preferred Review·Blue Cash Preferred (Morgan Stanley) Review·Blue Cash Preferred Review·Everyday Preferred Review
Top 5 Picks in Detail
#1. American Express® Gold Card
The American Express® Gold Card from American Express earns 4x on u.s. supermarkets for a $325/yr annual fee, plus a 60,000 points welcome bonus worth ~$1200.
#2. Sapphire Preferred
The Sapphire Preferred from Chase earns 3x on online grocery with a $95/yr fee that nets ~$85/yr on $500/mo groceries spend, plus a 75,000 points welcome bonus worth ~$938.
#3. Blue Cash Preferred (Morgan Stanley)
The Blue Cash Preferred (Morgan Stanley) from American Express earns 6x on us supermarkets with a $95/yr fee that nets ~$265/yr on $500/mo groceries spend.
#4. Blue Cash Preferred
The Blue Cash Preferred from American Express earns 6x on us supermarkets with a $95/yr fee that nets ~$265/yr on $500/mo groceries spend, plus a Up to $300 cash back welcome bonus worth ~$300.
#5. Everyday Preferred
The Everyday Preferred from American Express earns 3x on us supermarkets with a $95/yr fee that nets ~$85/yr on $500/mo groceries spend.
Our Methodology
Our groceries rankings are based on 15 data points across reward rates, annual fees, signup bonuses, and cardholder benefits. We pull data from 35+ independent verified sources including official card terms, issuer disclosures, and industry databases. Rankings are computed algorithmically with no affiliate influence on card placement or scoring. Cards are re-evaluated monthly as terms change. For the full breakdown of our scoring model, see our methodology page.
Frequently Asked Questions
What is the best credit card for groceries in 2026?
The American Express® Gold Card is our top-ranked card for groceries in 2026, earning 4X rewards with a $325/yr annual fee. We compared 15 qualifying cards based on category-specific bonus rates, annual fees, and cardholder benefits.
How did you rank these groceries credit cards?
We ranked 15 cards by their actual category-specific bonus rate using data from 35+ verified sources. Cards earning higher rewards in groceries rank higher. We also factor in annual fees, signup bonuses, and cardholder benefits.
Is there a no-annual-fee card for groceries?
Yes — the Strata is the top no-annual-fee option for groceries in our rankings.
How often are these rankings updated?
Rankings update automatically when card terms change. Data last verified: March 11, 2026.
PointsPick may earn a commission when you apply through our links. Full disclosure
This ranking draws on data from 35+ independent sources.
Rankings are data-driven with no affiliate influence on placement.
Last verified on March 11, 2026.
Full methodology: www.pointspick.com/methodology.