Ranked at $400/month grocery spend ($4,800/year). Annual return shown after fees. Supermarket restrictions noted — Walmart, Target, and wholesale clubs are excluded from grocery earn at many issuers. Based on published card terms as of June 2026.
At $400/month groceries (under the $6k cap): $288/year at 6%. Minus $95 fee = $193 net in grocery rewards alone. Add streaming (6%) and transit (3%) and the fee is easily justified. Best grocery card in the market. Note: excludes Walmart, Target, Costco, Sam's Club.
See all reviews →At $400/month groceries: 19,200 MR points/year in grocery spend alone. At 1.8¢/point via transfer: $346/year. Add the $120 dining credit + $120 Uber Cash = effective fee ~-$174/year for Amex ecosystem users. Best for high spenders maximizing both grocery AND dining.
See full review →At $400/month groceries: $144/year cash back with $0 fee. No cap on grocery earn. Best no-fee option for grocery rewards without category tracking.
See all reviews →At $400/month groceries: $144/year. $6k cap means $500/month hits the ceiling — fine for most households. No fee makes it a solid daily driver. Best no-fee Amex grocery card.
See all reviews →When groceries are the 5% quarter: $1,500 spend × 5% = $75 in that quarter. Typically 1-2 grocery quarters per year. Max grocery-quarter earn: $150/year. Not reliable year-round but excellent in-quarter.
See all reviews →At $400/month groceries: 14,400 ThankYou points/year. Via Turkish Airlines: potentially 2¢+ per point = $288/year. Points work harder than cash here — for active redeemers. Plus 3x dining, 3x hotels, 3x gas.
See all reviews →2% at grocery AND wholesale clubs is rare — most grocery cards exclude warehouse stores. At $400/month: $96/year. Preferred Rewards members earn up to 3.5% = $168/year. Best if you shop at Costco or Sam's Club.
See all reviews →Similar to Freedom Flex mechanics. First-year match doubles year-1 value. Best as a supplemental card during grocery 5% quarters.
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