Best Credit Card for Groceries (2026)

Grocery bonus categories range from 1x to 6x depending on the card — and some "grocery" bonuses exclude big-box stores like Walmart, Target, and Costco. This tool ranks every major US card by its real grocery multiplier, pulled from live card data, so you can see which one actually pays the most at checkout.

Watch the fine print

"US supermarkets" bonus categories typically exclude warehouse clubs (Costco, Sam's Club, BJ's) and superstores (Walmart, Target) — always check a card's terms before assuming your regular grocery run qualifies.

FAQs

Do grocery bonus categories have spending caps?

Many do — commonly capped at $6,000/year combined across a few bonus categories, reverting to a lower rate after that.

What if I shop at Costco or Walmart?

Look for a card with a general "everyday spend" bonus or a warehouse-club-specific multiplier instead, since standard grocery categories usually exclude these merchants.

More tools

Compare by other categories: gas, dining. Or see the overall best travel card ranking.