Best credit card for US supermarkets
Ranked by net reward rate. Each pick lists the exact percentage you earn at US supermarkets, plus any caps or fine print to watch.
The best card for US supermarkets right now is the American Express Gold, earning 4x there. Up to $25K/year at U.S. supermarkets. Its annual fee is $325. The full ranking below orders 3 cards by net reward rate at US supermarkets.
Which card earns the most at US supermarkets?
American Express Gold
American Express
Up to $25K/year at U.S. supermarkets.
Capital One Savor
Capital One
Excludes Walmart and Target.
Chase Freedom Unlimited
Chase
On combined gas+grocery up to $12K in year 1.
FAQ
›Which credit card gives the highest reward at US supermarkets?
American Express Gold pays 4x on US supermarkets. Up to $25K/year at U.S. supermarkets.
›Are there any caps or limits I should know about?
Most cards cap their boosted-category cashback. The ranking below already accounts for caps in the per-merchant note. For uncapped earn at US supermarkets, look for cards with "Unlimited" in the description.
›Should I get a new card just for one merchant?
Only if your annual spend at that merchant is high enough to clear the joining fee. As a rule of thumb: a 5% boost on ₹1,00,000 / $1,000 of annual spend = ₹5,000 / $50, which justifies most no-fee or sub-₹1,000 fee cards.