Purchase optimizer
Find the best card for a purchase
Browse catalog rules for a category. Program currencies and eligibility differ, so these are not ranked by dollar value. Matching wallet cards are highlighted in your browser.
Cards with listed category rules
Why these cards appear
53 published cards match Groceries, the personal and business card filter, and the selected annual-fee limit.
- Results are alphabetical—not a dollar-value ranking.
- The $500 monthly-spend estimate is context only because different reward currencies cannot be compared safely without a value assumption.
- Cards without a reviewed matching rule are omitted, not treated as earning zero.
Listed rates may require a particular hotel brand, booking portal, merchant or enrollment. A larger number is not necessarily a better return. Legacy reward currencies still need review; no automatic dollar ranking is shown.
Calculate value using your reward currency and assumptions →
Chase
Aeroplan Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
American Airlines AAdvantage MileUp Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
American Express
American Express Gold Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $325
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $25,000 per annual.
Rates and eligibility are subject to issuer terms and merchant coding.
Citi
AT&T Points Plus Card from Citi
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
American Express
Blue Cash Everyday Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $6,000 per annual.
Rates and eligibility are subject to issuer terms and merchant coding.
American Express
Blue Cash Preferred Card
6.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $6,000 per annual.
Rates and eligibility are subject to issuer terms and merchant coding.
BMO
BMO Cash Back Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $1,500 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
BMO
BMO Platinum Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $1,500 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
BMO
BMO Premium Rewards Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $2,000 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Imprint / First Electronic Bank
Booking.com Genius Rewards Visa Signature Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
Capital One
Capital One Savor Rewards
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Capital One
Capital One Savor Rewards for Good Credit
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Capital One
Capital One Savor Rewards for Students
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Capital One
Capital One SavorOne Rewards for Fair Credit
3.00 listed rate · reward currency requires confirmation
Annual fee: $39
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Wells Fargo
Choice Privileges Mastercard
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
Wells Fargo
Choice Privileges Select Mastercard
5.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
Citi
Citi Strata Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Citi Travel and selectable-category terms apply. Merchant coding, account eligibility and issuer terms apply.
Citi
Citi Strata Premier Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
American Express
Delta SkyMiles Gold American Express Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. supermarket purchases.
American Express
Delta SkyMiles Platinum American Express Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $350
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. supermarket purchases.
Citi
Dillard’s Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible supermarket purchases.
Chase
DoorDash Rewards Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Imprint / First Electronic Bank
H-E-B Visa Signature Credit Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
American Express
Hilton Honors American Express Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. supermarket purchases.
American Express
Hilton Honors American Express Surpass Card
6.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. supermarket purchases.
Chase
Instacart Mastercard
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Issuer portal required.
Spend cap: $6,000 per annual.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Barclays
JetBlue Plus Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible JetBlue purchases earn the airline rate. Merchant coding, account eligibility and issuer terms apply.
Langley Credit Union
Langley Signature Cash Back Visa
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible in-store grocery and wholesale-club purchases.
American Express
Marriott Bonvoy Bevy American Express Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $250
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. supermarket purchases; combined annual cap may apply.
Chase
Marriott Bonvoy Boundless Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $6,000 per annual.
Earns 3 points per $1 on the first $6,000 in combined annual grocery, gas, and dining purchases; then 2 points.
Chase
Marriott Bonvoy Bountiful Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $250
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
FNBO
MGM Rewards Iconic World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $249
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
FNBO
MGM Rewards World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Citi
My Best Buy Visa Card (annual fee varies: $0–$59)
2.00 listed rate · reward currency requires confirmation
Annual fee: $59
Purchase channel and brand restrictions: confirm with issuer.
Eligible grocery purchases.
Navy Federal Credit Union
Navy Federal More Rewards American Express
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible supermarket purchases.
Wells Fargo
One Key+ Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible grocery purchases.
PenFed Credit Union
PenFed Platinum Rewards Visa Signature Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
PNC
PNC Cash Rewards Visa
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Grocery-store purchases; combined annual category cap applies.
Imprint / First Electronic Bank
Rakuten American Express Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rakuten rate is additional cash back on eligible purchases made through Rakuten. Merchant coding, account eligibility and issuer terms apply.
Bank of America
Royal Caribbean Royal ONE Plus Visa Infinite
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible grocery purchases.
Bank of America
Royal Caribbean Royal ONE Visa Signature
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible grocery purchases.
Imprint / First Electronic Bank
Shell Performance Elite World Mastercard
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
SoFi Bank
SoFi Everyday Cash Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published durable earning rate; redemption rules, exclusions, merchant coding, and account requirements apply.
Chase
Southwest Rapid Rewards Plus Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $5,000 per annual.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Premier Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $149
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $8,000 per annual.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Stanford Federal Credit Union
Stanford Alumni Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Combined annual caps and merchant eligibility apply to bonus categories. Merchant coding, account eligibility and issuer terms apply.
Stanford Federal Credit Union
Stanford Athletics Fan Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Combined annual caps and eligible Stanford merchants apply. Merchant coding, account eligibility and issuer terms apply.
Stanford Federal Credit Union
Stanford FCU Tech Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Amazon, Google and Apple purchases earn the higher rate; combined annual caps apply. Merchant coding, account eligibility and issuer terms apply.
U.S. Bank
U.S. Bank Altitude Go Visa Signature Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Synchrony
Verizon Visa Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Wells Fargo
Wells Fargo One Key Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Barclays
Wyndham Rewards Earner Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible Wyndham purchases earn the hotel rate. Merchant coding, account eligibility and issuer terms apply.
Barclays
Wyndham Rewards Earner Plus Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $75
Purchase channel and brand restrictions: confirm with issuer.
Eligible Wyndham purchases earn the hotel rate. Merchant coding, account eligibility and issuer terms apply.
Estimates are subject to issuer terms, spending caps, enrollment requirements and merchant coding.