Best card for groceries, honestly

No invented "average spender": where the best card for groceries actually changes as your spending grows — caps, annual fees, and earning rates measured against a flat 2% cash-back baseline, counting only cards you can get today.

What counts as groceries: Supermarkets and grocery stores. Most issuers exclude superstores (Walmart, Target) and warehouse clubs (Costco, Sam's) — that spending usually earns a card's base rate instead.

Who wins, by annual groceries spend

Up to $22,571/yr: AAA Daily Advantage Visa Signature — 5% cash back
$22,571–$34,250/yr: Bilt Obsidian Card — 3x points (≈3.75¢/$ at the card's default value)
Over $34,250/yr: AAA Travel Advantage Visa Signature — 3% cash back; Capital One Savor Cash Rewards — 3% cash back; Venmo Credit Card — 3% cash back

Every card that beats a flat 2% card on groceries

AAA Daily Advantage Visa Signature — 5% cash back, capped at $10,000/yr, no annual fee; wins $0–$22,571/yr
Bilt Obsidian Card — 3x points (≈3.75¢/$ at the card's default value), capped at $25,000/yr, $95/yr fee; beats 2% above $5,429/yr of groceries; wins $22,571–$34,250/yr
AAA Travel Advantage Visa Signature — 3% cash back, uncapped, no annual fee; wins over $34,250/yr
Capital One Savor Cash Rewards — 3% cash back, uncapped, no annual fee; wins over $34,250/yr
Venmo Credit Card — 3% cash back, uncapped, no annual fee; wins over $34,250/yr
Blue Cash Everyday Card from American Express — 3% cash back, capped at $6,000/yr, no annual fee
Blue Cash Preferred Card from American Express — 6% cash back, capped at $6,000/yr, $95/yr fee; beats 2% above $2,375/yr of groceries
Capital One SavorOne Cash Rewards — 3% cash back, uncapped, $39/yr fee; beats 2% above $3,900/yr of groceries
Citi Strata Premier — 3x points (≈3.00¢/$ at the card's default value), uncapped, $95/yr fee; beats 2% above $9,500/yr of groceries
Wyndham Rewards Earner Plus Card — 4x points (≈2.80¢/$ at the card's default value), uncapped, $95/yr fee; beats 2% above $11,875/yr of groceries
American Express Gold Card — 4x points (≈4.00¢/$ at the card's default value), capped at $25,000/yr, $325/yr fee; beats 2% above $16,250/yr of groceries
JetBlue Plus Card — 2x points (≈2.60¢/$ at the card's default value), uncapped, $99/yr fee; beats 2% above $16,500/yr of groceries

Rates only — statement credits and perks are deliberately not counted here. They depend on how you'd actually use them, and each card's page asks those questions before adding a cent.

Best card for: Dining · Flights · Hotels · Other travel · Everything else · Gas & EV charging · Streaming · Internet, phone & cable · Transit & rideshare · Drugstores · Online retail

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