Best Card to Use for Groceries

Eligible purchases at U.S. supermarkets on up to $6,000 per calendar year, then 1%.

Strong cash-back grocery fit if your supermarket spend stays near the cap and the annual fee still makes sense.

U.S. supermarkets on up to $25,000 in purchases per calendar year.

Better fit when Membership Rewards points and dining credits matter more than pure cash back.

Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases with an eligible Prime membership.

This is not a general grocery-store rate; it is strongest for Amazon and Whole Foods grocery behavior.

Online grocery purchases, excluding Target, Walmart, and wholesale clubs.

Useful for eligible online grocery, but not the same as broad in-store supermarket rewards.

• Whether the merchant is a supermarket, online grocery, Amazon Fresh, Whole Foods, warehouse club, or general retailer.
• Whether a yearly grocery cap has already been reached.
• Whether the user values cash back, transferable points, or a card-specific ecosystem.
• Whether a statement credit or annual-fee offset changes the next best card.

• Connected cards in the user's wallet.
• Personal grocery spend already counted toward category caps.
• Issuer-specific merchant coding from recent transactions.
• Current benefits, credits, and claimed value.

No. The public issuer terms position the Prime Visa 5% back around eligible Amazon.com, Amazon Fresh, Whole Foods Market, participating Amazon stores, and Chase Travel purchases with an eligible Prime membership, not every grocery store.

That is the goal: PerkTrack can compare connected cards, grocery category fit, spend caps, credits, and the user's wallet instead of giving a one-size-fits-all public answer.