Top 10 · updated October 29, 2026

Best dining and grocery credit cards

Ranked on spending with restaurants and supermarkets both counted double: the food budget, eating in and out.

1
American Express
Blue Cash Preferred Card
6% cash back on eligible purchases at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%) · 6% cash back on select U.S. streaming subscriptions
Worth about $1,015 every year on spending weighted to your picks — rewards and credits minus the $95 fee.
$607/ yearAnnual fee $95
2
Barclays
Wyndham Rewards Earner Plus Card
6 points per $1 spent on eligible purchases made at Hotels by Wyndham · 4 points per $1 spent on dining, grocery store purchases, and travel
Worth about $897 every year on spending weighted to your picks — rewards and credits minus the $95 fee.
$552/ yearAnnual fee $95
3
Chase
Chase Sapphire Preferred Credit Card
5x points on Chase Travel · 3x points on dining, gas stations, EV charging, vacation homes, top streaming services, and online grocery
Worth about $885 every year on spending weighted to your picks — rewards and credits minus the $95 fee.
$561/ yearAnnual fee $95
4
Citi
Citi Strata Premier Card
10 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com · 3 points per dollar spent on Air Travel, Restaurants, Supermarkets, and Gas & EV Charging Stations
Worth about $855 every year on spending weighted to your picks — rewards and credits minus the $95 fee.
$531/ yearAnnual fee $95
5
Capital One
Savor Rewards for Good Credit
3% cash back at grocery stores, on dining, entertainment and popular streaming services · 1% cash back on all other purchases
Worth about $852 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$528/ yearAnnual fee $0
6
Wells Fargo
Active Cash Credit Card
2% cash rewards on purchases with no categories to track or quarterly activations
Worth about $840 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$624/ yearAnnual fee $0
7
Citi
Citi Double Cash Credit Card
2% cash back on purchases: 1% when you buy · 1% as you pay, with no category enrollment, caps, or annual fee
Worth about $840 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$624/ yearAnnual fee $0
8
U.S. Bank
U.S. Bank Smartly Visa Signature Card
2% cash back on every purchase with no caps, and up to an additional 2% cash back when paired with qualifying U.S. Bank accounts
Worth about $840 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$624/ yearAnnual fee $0
9
Capital One
SavorOne Rewards
3% cash back at grocery stores, on dining, entertainment and popular streaming services · 1% cash back on all other purchases
Worth about $813 every year on spending weighted to your picks — rewards and credits minus the $39 fee.
$489/ yearAnnual fee $39
10
U.S. Bank
U.S. Bank Altitude Go Secured Visa Card
4X points on dining, takeout, and restaurant delivery · 2X points at gas stations and grocery stores
Worth about $809 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$545/ yearAnnual fee $0

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

Questions people ask

What is the best dining and grocery credit card?

As of October 29, 2026, the American Express Blue Cash Preferred Card ranks first worth about $607 a year after its $95 annual fee on typical spending. The Barclays Wyndham Rewards Earner Plus Card and Chase Sapphire Preferred Credit Card come second and third.

How are these dining and grocery cards ranked?

Ranked on spending with restaurants and supermarkets both counted double: the food budget, eating in and out. Each card's value is its rewards plus the credits a typical cardholder uses, minus its annual fee; points are converted at conservative cash values. No issuer pays for placement.

Is a card with an annual fee ever worth it?

Only if its extra rewards and credits beat the fee on your own spending. In this list the fee is already subtracted, so a $0-fee card and a $95 card are compared on what they actually leave you with.

Ranked for an average spender.

Tell us what you actually spend, and which cards you already have, and we'll rank them for you instead.

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More rankings

Maintained by Aashish Shah. Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.