Compare five personal cards in Cardwell’s focused catalog that reward supermarket, grocery-store, or eligible online-grocery spending.
Guide updated September 16, 2026 · Verify current offers with the issuer
3% on dining, entertainment, eligible streaming, and grocery stores; 5% on eligible Capital One Travel hotels, vacation rentals, and rental cars.
Why it made this list: A no-fee fit for food, entertainment and streaming-heavy budgets.
3% at U.S. supermarkets, U.S. gas stations, and U.S. online retail, each up to $6,000 yearly, then 1%.
Why it made this list: Useful household bonus categories without an annual fee.
4x at restaurants worldwide and U.S. supermarkets with caps, 5x prepaid hotels through Amex Travel, and 3x eligible flights.
Why it made this list: High earning on food spending for users who value Membership Rewards.
3x on air travel, other hotels, restaurants, supermarkets, and gas or EV charging; 10x on eligible Citi Travel bookings.
Why it made this list: Broad everyday and travel categories with transferable points.
5x through Chase Travel; 3x on dining, gas and EV charging, select streaming, online grocery, and eligible vacation-home rentals; and 2x on other travel.
Why it made this list: Transferable travel points and useful everyday categories at a moderate annual fee.
Issuer grocery categories often depend on merchant coding. A neighborhood supermarket may qualify while a superstore, warehouse club, convenience store, or meal service may not.
Some grocery rewards have annual or monthly spending caps. Estimate how much of your normal grocery budget earns the bonus rate and what rate applies after the cap.
A strong grocery card may also reward dining, gas, travel, or online purchases. Compare the full household budget instead of choosing from one category alone.
At $500 a month in eligible groceries, a hypothetical 3% cash-back card earns $180 a year, versus $120 at 2%. The $60 difference would not cover a $95 annual fee alone. These are examples, not offers for a named card.
Separate supermarkets from warehouse clubs and superstores, and in-store purchases from online orders. An online-grocery bonus does not automatically apply at the checkout counter. Calculate both the bonus portion and the lower-rate portion after any cap.
A grocery-focused card may add little value if most food spending goes to restaurants or excluded stores. Do not move shopping to a more expensive store just for a higher reward rate.
Not necessarily. Eligibility depends on the merchant category assigned by the network and the issuer’s current category rules.
Only if the extra rewards and benefits you expect to use are worth more than the fee compared with a suitable no-annual-fee card.