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Ranked by effective value on groceries spending. Effective rate accounts for the real-world value of each point or mile.
Grocery spending is one of the largest household budget categories, averaging $500 to $800 per month. The top grocery credit cards earn 3% to 6% back at U.S. supermarkets, though some cap the bonus rate at $6,000 per year. We rank by effective value per dollar, factoring in point valuations, annual caps, and whether the rate applies at warehouse clubs.
Citi
Automatically applied to your highest eligible spend category each billing cycle. Eligible categories: restaurants, gas, groceries, travel, transit, streaming, drugstores, home improvement, fitness, entertainment
Highest effective return in this category
Effective value is calculated using our standardized cents-per-point values. Multiplier cards are valued at their points currency's transfer partner potential. Rankings reflect standard rates only — portal bonuses and rotating categories are excluded. View all cards →
Find the best card for every type of spending.
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Bilt
Choose dining or grocery at account opening; selection is annual. Grocery capped at $25,000/year. Dining has no stated cap.
Bilt
Points Accelerator: costs $200 Bilt Cash to activate; up to 5 activations per year; expires when $5,000 cap hit or end of year
Bilt
Bilt Cash earning mode (alternative to points; mutually exclusive with points earning per transaction)