Best Credit Cards for Groceries (2026)

Best credit cards for groceries

Ranked by the same model as our quiz · 5 picks

For households where the grocery bill is the biggest everyday expense. These are the top matches our scoring model gives for this goal. Your own spending can change the order, so the quiz is the better answer for you.

How we ranked these

Every card is scored on fit with this goal, rewards earned at the spending below, whether the annual fee pays for itself, and rewards style. Cards that need better credit than the profile below are left out. Commissions are never part of the score.

Profile used: excellent credit (750+), $100k–$150k income, no existing cards, a mix of points and cash back (points valued at 1.7¢).

Monthly spending used: dining $400, groceries $800, flights & hotels $300, rent $2,500, gas & transit $150, streaming $80, online shopping $200, everything else $600.

Your numbers, not ours

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