Best cards for superstores
Apple Card leads with 2% (pay with the mobile wallet).
Rankings use issuer rates verified as of August 16, 2026.
Walmart / Target / Meijer — excluded from 'groceries' by most issuers; their own store cards layer on top.
#12%2%Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
#25x5xKroger Rewards World Elite Mastercard
U.S. Bank · Mastercard · ≈1.17x after the cap · No annual fee · up to $3,000/yr · Lower rate after the cap · Pay with the mobile wallet
How to choose
Superstores are where flat-rate cards take over. Most issuers exclude Walmart, Target, and Meijer from their groceries category, so grocery multipliers do not apply here. The result shows in the table: every card at the top of this ranking works out to about 2 cents per dollar, and the leaders are simply the ones that deliver that rate with no annual fee.
The fine print here is mild but worth knowing. American Express's Blue Business Cash earns a straight 2% while Blue Business Plus earns at 2x, and both work out to the same 2 cents per dollar on up to $50,000 per year. Apple Card carries one condition: pay with the mobile wallet to get its 2%. Farther down, several Capital One cards charge annual fees of $95 to $395 for the same return.
Treat this as the category where the boring flat card wins. Since nothing in the ranking beats 2 cents per dollar, a no-fee 2% card is the ceiling, not a compromise, and paying $95 or more in annual fees only makes sense if the card earns its keep elsewhere. Also note that Walmart, Target, and Meijer each offer their own store cards, which layer on top of this general-card ranking.
Common questions
- What is the best credit card for superstores?
- Apple Card leads with 2% (pay with the mobile wallet).
- How does SwipeCaddy pick the best superstores card?
- We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and surface the fine print so the "best" rate is one you can actually get.
- Why don't grocery credit cards earn bonus rewards at Walmart or Target?
- Most issuers code Walmart, Target, and Meijer as superstores rather than supermarkets, so purchases there are excluded from grocery bonus categories. A card that pays a high rate at the supermarket usually drops to its base rate at these chains. Plan on a flat-rate card for superstore runs instead of your grocery card.
- Is a flat 2% card enough for shopping at superstores?
- Yes. Because most issuers exclude these chains from grocery bonus categories, no card in this ranking pays more than about 2 cents per dollar, so a flat 2% card with no annual fee already matches the leaders. The main limit to watch is the $50,000 yearly cap on the top American Express business cards; a second flat-rate card covers spending beyond it.
Rankings reflect published earn rates and a conservative valuation of each rewards currency. SwipeCaddy earns no affiliate commission.