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Supermarkets

What is the best credit card for groceries?

These credit cards offer the best returns on your spend for purchases on groceries at supermarkets.

You can view business credit cards, personal credit cards, or both. Or find the best credit card for any other bonus category.

The “Estimated Rewards Value” shown represents the average return you can expect on that spend, factoring in the bonus multiplier and the Your Best Credit Cards valuation of the specific mile or point earned by that card. This represents the return you can expect to get if you spend some time to learn about that particular rewards program and is not a minimum or guaranteed return.

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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24 Cards Available:

Credit card

Chase Freedom Unlimited Review

Supermarkets Multiplier: 5X

Annual Supermarkets Limit: $12,000

Estimated Rewards Value :

8.75%

Calculator

Chase Freedom Unlimited Review

Supermarkets Multiplier: 5X

Annual Supermarkets Limit: $12,000

Calculator
Estimated Rewards Value :

8.75%

Offer: Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months + 5X on Groceries for one year.

A no-fee Chase card offering 1.5x Ultimate Rewards points on everything, except as noted below. It's best combined with a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred to unlock the power of transfer partners.

Chase Freedom Unlimited Rate:

  • 5X on travel when purchased through the Chase Ultimate Rewards portal*
  • 5X on rotating quarterly bonus categories (max of $1,500 per quarter in spend; activation required – same as existing Freedom card)
  • 5X on Lyft until March 2022
  • 3X on dining (including takeout and delivery)
  • 3X at drugstores
  • 1X on everything else

 

5X Points or Cash Back On Grocery Store Purchases With This Welcome Offer

This current new cardmember bonus offer will give new cardmembers 5X Chase Ultimate Rewards points on grocery store purchases (excluding Target and Walmart) for one calendar year (offer is valid for purchases up to $12,000 in total for the year).

You must apply using this current offer to be eligible for the 5X points on supermarket spend. 

NOTE: This card can be used as cash back or as an Ultimate Rewards points card. In valuing your rewards, we assume you also have a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred. You can then transfer points from this card to one of those to unlock the power of transfer partners. If you have this card without one of the above cards, your rewards value will be lower with each point worth exactly 1 cent.

0% Interest APR Intro Offer:

Get a 0% Intro APR for 15 months (Terms Apply)

Note: Our rewards optimization calculator will count all travel on this card at 5X, but please note the limitations around that above. 

Offer: Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months + 5X on Groceries for one year.
Credit card

Chase Freedom Flex Review

Supermarkets Multiplier: 5X

Annual Supermarkets Limit: $12,000

Estimated Rewards Value :

8.75%

Calculator

Chase Freedom Flex Review

Supermarkets Multiplier: 5X

Annual Supermarkets Limit: $12,000

Calculator
Estimated Rewards Value :

8.75%

Offer: Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months + 5X on Groceries for one year.

The Chase Freedom Flex is the evolution of the Chase Freedom card, long a staple of the Chase card portfolio.

The Freedom Flex takes the best part of the Chase Freedom (rotating quarterly 5X bonus categories) and adds a ton of new features:

Chase Freedom Flex Earn Rate:

  • 5X on travel when purchased through the Chase Ultimate Rewards portal*
  • 5X on rotating quarterly bonus categories (max of $1,500 per quarter in spend; activation required – same as existing Freedom card)
  • 3X on dining (including takeout and delivery)
  • 3X at drugstores
  • 1X on everything else

(* Keep in mind, booking via the portal for hotels means that you won’t, in most cases, earn any hotel points / stay credits nor have any hotel elite status honored. For airlines, the fares are generally the same or similar, however, it does mean that you have to deal with Chase for changes instead of the airline directly – and that can be a big hassle.)

Note: Our rewards optimization calculator will count all travel on this card at 5X, but please note the limitations around that above. 

Offer: Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months + 5X on Groceries for one year.
Credit card

Amex Everyday Preferred Credit Card

Supermarkets Multiplier: 4.5X

Annual Supermarkets Limit: $6,000

Estimated Rewards Value :

7.65%

Calculator

Amex Everyday Preferred Credit Card

Supermarkets Multiplier: 4.5X

Annual Supermarkets Limit: $6,000

Calculator
Estimated Rewards Value :

7.65%

Offer: 15,000 bonus Membership Rewards points when you spend $1,000 in 3 months

This card is good for people who make lots of purchases - 30 per month earns you a 50% bonus on all points earned. With the bonus, it features some of the best earn rates available today, especially on groceries and gas where the points are multiplied.

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

NOTE: This tool is automatically calculating your rewards with the assumption that you will have 30 transactions a month. If you have fewer, your rewards earned will be substantially less than shown.

Offer: 15,000 bonus Membership Rewards points when you spend $1,000 in 3 months
Credit card

American Express Gold Card

Supermarkets Multiplier: 4X

Annual Supermarkets Limit: $25,000

Estimated Rewards Value :

6.80%

Calculator

American Express Gold Card

Supermarkets Multiplier: 4X

Annual Supermarkets Limit: $25,000

Calculator
Estimated Rewards Value :

6.80%

Offer: 60,000 bonus Membership Rewards points when you spend $4,000 in 6 months

This game-changing card offers 4x Membership Rewards points on restaurants and supermarkets, as well as 3x on flights. It also offers $10 in monthly dining credits (see card details for more information) and $100 in annual airline incidental credits (airline credits will no longer be offered after 2021).

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

Offer: 60,000 bonus Membership Rewards points when you spend $4,000 in 6 months
Credit card

Blue Cash Preferred Card

Supermarkets Multiplier: 6X

Annual Supermarkets Limit: $6,000

Estimated Rewards Value :

6.00%

Calculator

Blue Cash Preferred Card

Supermarkets Multiplier: 6X

Annual Supermarkets Limit: $6,000

Calculator
Estimated Rewards Value :

6.00%

Offer: Get $300 when you spend $3,000 in your first 6 months.

This may be the best cash back card for groceries and gas combined, with 6% back on supermarkets (up to $6,000 a year) and streaming services and 3% back on gas and land travel (bus, train, ferry, etc).

There is also an offer for a 0% Intro APR for 12 months on new purchases

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

Note on the 3% cash back on transit: It does not include cruises, airfare, or other standard "travel" categories. The YourBestCreditCards tool classifies this in the Other Travel category. See site for details.

Offer: Get $300 when you spend $3,000 in your first 6 months.
Credit card

Citi Premier

Supermarkets Multiplier: 3X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

4.50%

Calculator

Citi Premier

Supermarkets Multiplier: 3X

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

4.50%

Offer: 60,000 bonus ThankYou points when you spend $4,000 in 3 months

This card is an excellent general travel and entertainment card with a low annual fee.It has some powerful bonus category earnings

  • 3X Points at Dining
  • 3X Points at Grocery Stores / Supermarkets
  • 3X Points on Gas
  • 3X Points on Flightsl and Hotels
  • 1X Points on All Other Purchases

Thank You points can be transferred to a variety of airline frequent flyer programs, such as Avianca, Etihad, Turkish and Cathay Pacific.

Offer: 60,000 bonus ThankYou points when you spend $4,000 in 3 months
Credit card

Amex Everyday Credit Card

Supermarkets Multiplier: 2.4X

Annual Supermarkets Limit: $6,000

Estimated Rewards Value :

4.08%

Calculator

Amex Everyday Credit Card

Supermarkets Multiplier: 2.4X

Annual Supermarkets Limit: $6,000

Calculator
Estimated Rewards Value :

4.08%

Offer: 15,000 Membership Rewards points when you spend $2,000 in your first 3 months.

This card features no annual fee and a bonus of 20% if you use this card 20 times in a month. It also earns double points on purchases at US supermarkets.

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

NOTE: For simplicity, this tool assumes you will make 20 transactions a month.

Offer: 15,000 Membership Rewards points when you spend $2,000 in your first 3 months.
Credit card

United Gateway Card

Supermarkets Multiplier: 3X

Annual Supermarkets Limit: $18,000

Estimated Rewards Value :

3.60%

Calculator

United Gateway Card

Supermarkets Multiplier: 3X

Annual Supermarkets Limit: $18,000

Calculator
Estimated Rewards Value :

3.60%

Offer: 10,000 bonus MileagePlus miles after spending $1,000 in your first 3 months
  • 2 miles per dollar on United Airlines purchases and earn 25% back on United inflight purchases
  • 2 miles per dollar at gas stations,  and on local transit and commuting charges
  • Earn 3 miles per $1 spent at grocery stores, on up to $1,500 per month through 9/30/2021
  • Earn 1 mile per $1 spent on all other purchases
  • No foreign transaction fees

Note that in calculating your rewards on this card, we are counting all airfare as 2X miles since we don't capture your spend by airline. However, please note that the 2X multiplier on airfare will only apply to United flights.

Offer: 10,000 bonus MileagePlus miles after spending $1,000 in your first 3 months
Credit card

Blue Cash Everyday Card

Supermarkets Multiplier: 3X

Annual Supermarkets Limit: $6,000

Estimated Rewards Value :

3.00%

Calculator

Blue Cash Everyday Card

Supermarkets Multiplier: 3X

Annual Supermarkets Limit: $6,000

Calculator
Estimated Rewards Value :

3.00%

Offer: Up to $300 Value: Get a $100 statement credit when you spend $1,000 in your first 6 months + 20% back at Amazon for 6 months, up to $200

The Blue Cash EveryDay credit card has no annual fee and earns cash back.

It features bonus cashback on groceries, gas, and department stores.

- Earn 3% cash back at US supermarkets for up to $6,000 in annual purchases

- Earn 2% cash back at US gas stations and certain US Department Stores

- Earn 1% cash back on everything else.

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

0% Intro APR

Enjoy a 0% APR on new purchases for 15 months starting when you are approved for the Blue Cash Everyday card.

Offer: Up to $300 Value: Get a $100 statement credit when you spend $1,000 in your first 6 months + 20% back at Amazon for 6 months, up to $200
Credit card

Hilton Honors Surpass Card from American Express

Supermarkets Multiplier: 6X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

3.00%

Calculator

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: Get 130,000 extra Hilton Honors points when you spend $2,000 in your first 3 months.

This mid-tier Hilton card comes with complimentary Hilton Gold status.

It will allow you to earn 12x Hilton Honors points at Hilton; 6x at US restaurants, US supermarkets, and US gas stations; and 3x everywhere else.

There is also an opportunity to earn Diamond status and a free weekend night via card spend.

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

Note: Estimated Rewards Values shown throughout this site assume your hotel spend will be at Hilton brand hotels and resorts. If you have additional hotel spend not associated with Hilton, your actual return will be lower.

Offer: Get 130,000 extra Hilton Honors points when you spend $2,000 in your first 3 months.
Credit card

Citi Rewards+

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: $6,000

Estimated Rewards Value :

3.00%

Calculator

Citi Rewards+

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: $6,000

Calculator
Estimated Rewards Value :

3.00%

Offer: Get 15,000 bonus points when you spend $1,000 within your first 3 months.

o% APR Offers - Intro and Balance Transfers

Get a 0% Intro APR on both balance transfers and purchases for 15 months

Earning ThankYou Points

Earn 2x at supermarkets and gas stations for the first $6,000 combined per year, and 1x everywhere else, before rounding up. Excellent for small purchases. Round up to the nearest 10 points on all purchases.

Note: Your earnings will be larger than those shown in our calculations because we cannot factor in the "round up" feature of this card as it correlates to each exact transaction you will make.

Offer: Get 15,000 bonus points when you spend $1,000 within your first 3 months.
Credit card

American Airlines AAdvantage MileUp Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

3.00%

Calculator

American Airlines AAdvantage MileUp Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: Earn 10,000 miles and a $50 statement credit when you spend $500 in your first 3 months.

This no-fee card earns 2x AAdvantage miles at grocery stores, as well as 2x on American Airlines.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Earn 10,000 miles and a $50 statement credit when you spend $500 in your first 3 months.
Credit card

Citi Rewards+ Student Credit Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: $6,000

Estimated Rewards Value :

3.00%

Calculator

Citi Rewards+ Student Credit Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: $6,000

Calculator
Estimated Rewards Value :

3.00%

Offer: Get 2,500 Bonus ThankYou Points when you spend $500 within the first 3 months

This Student credit card earns 2x on supermarkets and gas, up to a combined $6,000 per year.

It earns 1x ThankYou Points on everything else and gives you the ability the ability to get 10% Points Back for the first 100,000 ThankYou points as you redeem them each year.

Offer: Get 2,500 Bonus ThankYou Points when you spend $500 within the first 3 months
Credit card

Hilton Honors Credit Card from American Express

Supermarkets Multiplier: 5X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

2.50%

Calculator

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

2.50%

Offer: Get 80,000 Hilton Honors Bonus Points when you spend $1,000 in the your first 3 months

This no-annual fee Hilton card comes with complimentary Hilton Silver status, earns bonus Hilton points on Hilton stays, US restaurants, US gas stations, and US supermarkets*.

*American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

NOTE: For the purposes of calculating your expected rewards, we are assuming that the spend you put in "Hotels" is all spent at Hilton portfolio hotels and resorts. If some is spent at other hotels, your actual rewards will be slightly lower.

Offer: Get 80,000 Hilton Honors Bonus Points when you spend $1,000 in the your first 3 months
Credit card

Gold Delta SkyMiles Credit Card from American Express

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

2.40%

Calculator

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

2.40%

Offer: Get 35,000 bonus miles when you spend $2,000 in your first 3 months.

Get your first checked bag free and priority boarding on Delta. It also earns 2x miles on Delta spend. More serious Delta flyers should consider the Platinum Delta SkyMiles Credit Card from American Express.

Gold Delta SkyMiles Credit Card Earn Rate

  • 2X Delta SkyMiles on Delta purchases
  • 2X miles on U.S. supermarkets
  • 2X miles on restaurants worldwide
  • 1X miles on everything else

New Delta Flight Benefit

Get a $100 Delta credit towards a flight when you have spent $10,000 in a calendar year.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Get 35,000 bonus miles when you spend $2,000 in your first 3 months.
Credit card

Platinum Delta SkyMiles Credit Card from American Express

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

2.40%

Calculator

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

2.40%

Offer: Get 40,000 Bonus miles and 5,000 MQMs when you spend $3,000 within 3 months plus a $100 statement credit after one Delta purchase within 3 months.

Get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Delta Platinum Bonus Categories

  • Earn 3X miles on Delta purchases
  • Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
  • Earn 2X miles at U.S. supermarkets
  • Earn 2X miles at restaurants, worldwide

Additional Delta Platinum Benefits

  • $100 statement credit every 4 years for Global Entry or an $85 credit for TSA Pre✓® every 4.5 years.
  • Buy One, Get One Companion Certificate on select fares.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Get 40,000 Bonus miles and 5,000 MQMs when you spend $3,000 within 3 months plus a $100 statement credit after one Delta purchase within 3 months.
Credit card

Avianca Vuela Visa Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

2.40%

Calculator

Avianca Vuela Visa Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

2.40%

Offer: Earn 40,000 Bonus Avianca LifeMiles after you use the card one time

While not a card typically on most people's radar, this card and its sister, the Avianca Vida card, are an interesting proposition for two reasons.

1) The Welcome offer essentially allows you to buy 40,000 LifeMiles for the $149 annual fee, or less than half a cent per mile.

2) Many people have been locked out of the more conventional program's affiliated cards, for reasons such as Chase's 5/24 rule. This card is issued by Banco Popular.

Balance Transfer Offer

Get 12 months of 0% APR interest rates when you transfer a balance. (Terms apply.)

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Avianca and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 40,000 Bonus Avianca LifeMiles after you use the card one time
Credit card

Disney Premier Visa Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

2.00%

Calculator

Disney Premier Visa Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

2.00%

Offer: $250 statement credit when you spend $500 in 3 months

Disney offers discounts on merchandise, select dining locations, and guided tours; and special perks to cardholders, including cardholder-only photo opportunities, character experiences, and special cardholder-only locations in Disney parks, exclusive cardholder-only events, exclusive early access to events and Broadway tickets, and 0% APR for 6 months from date of purchase on Disney vacation packages. Choose from 10 Disney card designs. Earn 2% DRD (Disney Reward Dollars) at restaurants, grocery stores, gas stations, and most Disney locations; earn 1% DRD everywhere else.

Offer: $250 statement credit when you spend $500 in 3 months
Credit card

Capital One SavorOne

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

2.00%

Calculator

Capital One SavorOne

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

2.00%

Offer: Get a $200 cash bonus when you spend $500 within your first 3 months (ELEVATED OFFER)

This no-fee card offers food-centric cash back bonus categories.

Get 3% on dining and entertainment, 2% at grocery stores and 1% everywhere else.

Offer: Get a $200 cash bonus when you spend $500 within your first 3 months (ELEVATED OFFER)
Credit card

TD Bank TD Cash Visa Credit Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

2.00%

Calculator

TD Bank TD Cash Visa Credit Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

2.00%

Offer: Get $150 cash back when you spend $500 in 90 days

With no foreign transaction fees, no annual fee, and 3% back on dining as well as 2% back on grocery stores, this card is an easy way to up your cash back game.

Please note that applications are only being accepted in the following states:  Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, Virginia, Washington, D.C.

If you are not in an approved state, please see our other cash back credit cards.

0% APR Intro Offer

Get 6 months of 0% Interest on new purchases your new card account (Terms apply).

Offer: Get $150 cash back when you spend $500 in 90 days
Credit card

US Bank Altitude® GO Review

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

2.00%

Calculator

US Bank Altitude® GO Review

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

2.00%

Offer: Get $250 (in the form of 25,000 points) when you spend $1,000 in your first 90 days

With 4% cash back on dining, including takeout and delivery, 2% back on groceries, streaming, and gas, and no annual fee, our review is that the Altitude GO is a surprisingly strong card.

Card Features:

  • 4% cash back on dining, including takeout and delivery
  • 2% cash back on grocery stores and grocery delivery, streaming services and purchases at gas stations
  • 1% cash back on everything else
  • No annual fee
  • No foreign transaction fees
  • A one-time $15 streaming service credit after 11 months of streaming service purchases.

0% Intro APR for 12 Months on the Altitude GO card

New cardmembers will get a 0% APR on new purchases and on balance transfers for 12 months. A 3% fee applies to balance transfers.

US Bank Altitude GO Credit Card Review

The bottom line is that 4% cash back on dining, including takeout, dine-in, and delivery, is extremely strong for a credit card without an annual fee. It compares to the Capital One Savor card, though that card carries an annual fee.

Beyond the 4% cash back on dining, the 2% and 1% categories aren't special, especially considering the Citi Double Cash earns 2% back on everything, all of the time. But we can't think of another card earning 4% back on dining without an annual fee.

This card is for people with a very strong credit profile. You should have a 720 or better FICO to apply for this card.

Offer: Get $250 (in the form of 25,000 points) when you spend $1,000 in your first 90 days
Credit card

Hawaiian Airlines World Elite Mastercard

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

1.40%

Calculator

Hawaiian Airlines World Elite Mastercard

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

1.40%

Offer: Get 60,000 bonus Hawaiian Airlines miles when you spend $2,000 in 90 days

NOTE: When calculating your total rewards, our tool assumes all spending in the "Airfare" category is spent on Hawaiian Airlines and uses a 3X multiplier accordingly. If you do not fly Hawaiian Airlines exclusively, your rewards will be lower.

Offer: Get 60,000 bonus Hawaiian Airlines miles when you spend $2,000 in 90 days
Credit card

IHG Rewards Club Premier Credit Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

1.00%

Calculator

IHG Rewards Club Premier Credit Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

1.00%

Offer: 140,000 bonus points when you spend $3,000 within three months of approval

The IHG credit card offers an annual anniversary free night, the fourth reward night free whenever you redeem for 4 or more nights, and Platinum status.

Earn 10x at IHG and 2x at gas stations, grocery stores, and restaurants. Also earn 10,000 bonus points when you spend $20,000 plus one additional purchase each card year.

NOTE: In calculating your rewards values for this card, we are making the assumption that all Hotel spend entered is spent on IHG. If part of that spend is on other hotels, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: 140,000 bonus points when you spend $3,000 within three months of approval
Credit card

IHG Rewards Club Traveler Credit Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Estimated Rewards Value :

1.00%

Calculator

IHG Rewards Club Traveler Credit Card

Supermarkets Multiplier: 2X

Annual Supermarkets Limit: Unlimited

Calculator
Estimated Rewards Value :

1.00%

Offer: 75,000 bonus IHG points when you spend $2,000 within 3 months

This is the no-fee version of the IHG Rewards Club Premier Credit Card, with somewhat reduced benefits in exchange for not having an annual fee.

The IHG credit card is best suited for spend at IHG properties where it earns IHG points at the rate of 5x IHG points per dollar (vs. 10x IHG points with the IHG Rewards Club Premier Credit Card).

This card still gives you the 4th Night Free on an Award Stay benefit which is one of the best reasons to have either IHG credit card, although you do give up many other features of the IHG Rewards Club Premier Credit Card which does have an annual fee.

Offer: 75,000 bonus IHG points when you spend $2,000 within 3 months

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