PayperWIZ

Which credit card pays the most on groceries in the United States?

Of the cards whose terms were read off the issuer, Blue Cash Preferred (American Express) publishes the highest rate on groceries in the United States: 6.00% (at most USD 30 back a month; USD 95 a year). This is a ranking of published rates, not a recommendation to apply.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

10 read cards · United States · groceries

The answer, from 10 read cards

Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.

Read cards in the United States by their published rate on groceries, with what limits each one.
#ReturnCard
16.00%Blue Cash PreferredcheckedAmerican Express · USD 95 a year · checked 23 Sep 2026at most USD 30 back a month
23.00%Blue Cash EverydaycheckedAmerican Express · no annual fee · checked 23 Sep 2026at most USD 15 back a month
33.00%Capital One SavorcheckedCapital One · no annual fee · checked 15 Oct 2026
43.00%Citi Strata PremiercheckedCiti · USD 95 a year · checked 23 Sep 2026
53.00%Marriott Bonvoy BoundlesscheckedChase · USD 95 a year · checked 15 Oct 2026this rate covers only the first USD 6,000 of spending; the terms say: 3 points per $1 at grocery stores, on the first $6,000 a year spent at grocery stores, gas stations and dining combined, then 2.
62.00%Bank of America Customized Cash RewardscheckedBank of America · no annual fee · checked 16 Sep 2026this rate covers the first USD 2,500 of spending each quarter
72.00%Delta SkyMiles Gold AmexcheckedAmerican Express · USD 150 a year · checked 15 Oct 2026
82.00%Delta SkyMiles Platinum AmexcheckedAmerican Express · USD 350 a year · checked 15 Oct 2026
92.00%U.S. Bank Altitude GocheckedU.S. Bank · no annual fee · checked 15 Oct 2026
101.50%Capital One QuicksilvercheckedCapital One · no annual fee · checked 16 Sep 2026

Rates on part of groceries

These read cards pay on groceries only at the places named. They are not ranked above, because the number is not what the card pays on groceries anywhere else.

ReturnCard
2.40%Amex GoldcheckedAmerican Express · USD 325 a year · checked 23 Sep 2026only at U.S. supermarkets; at most USD 150 back a month; the terms say: U.S. supermarkets, on up to $25,000 a calendar year, then 1x. Excludes wholesale clubs and superstores.
2.00%U.S. Bank Cash+checkedU.S. Bank · no annual fee · checked 15 Oct 2026only at if chosen as your 2% category
How these were worked out. Only cards whose rates a person read off the issuer's own published terms are ranked here; 1 other card in the catalogue publishes a rate on groceries that nobody has yet read off the issuer, and is not listed here at all. Points and miles are valued at the redemption rate the programme publishes, the rate anyone can take rather than the best one after a transfer. A rate that covers only part of groceries — one chain of shops, one kind of merchant — is shown with what it covers and is not ranked, because it is not what the card pays on groceries.

The right card depends on what you have already spent.

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says whether it was read off the issuer, and none is made up.

Download on the App Store Every category in the United States

Other kinds of spending in the United States