How does SwipeCaddy pick the best card at Kroger?

We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Kroger's card-acceptance rules, so the "best" card is one you can actually use at the register.

What is the catch with the 6% grocery rate at Kroger?

The Blue Cash Preferred Card from American Express earns 6% on up to $6,000 per year, and it carries a $95 annual fee. If your Kroger spending clears that cap, the American Express Gold Card keeps earning 4x up to $25,000 per year — but weigh its $325 fee first.

Is there a good no-annual-fee card for Kroger runs?

Two no-fee cards earn 3% at Kroger: the Blue Cash Everyday Card from American Express, which has a spending cap and a lower rate after it, and the Capital One Savor Cash Rewards, with no cap listed. If you will not spend enough to justify a $95 fee, either one is the simpler choice.

Best cards at Kroger

Blue Cash Preferred Card from American Express earns the most at Kroger right now at 6%.

Rankings use issuer rates verified as of August 16, 2026.

In store

1
#16%
Blue Cash Preferred Card from American Express
American Express · Amex · ≈5.17% after the cap · $95/yr · up to $6,000/yr
6%
2
#25%
AAA Daily Advantage Visa Signature Card
Bread Financial · Visa · No annual fee · up to $10,000/yr (combined)
5%
3
#34x
American Express Gold Card
American Express · Amex · $325/yr · up to $25,000/yr
4x
4
#43x
Aeroplan Card
Chase · Mastercard · $95/yr
3x
5
#54x
Verizon Visa Card
Synchrony · Visa · No annual fee
4x
6
#63%
AAA Travel Advantage Visa Signature Card
Bread Financial · Visa · No annual fee
3%
7
#73%
Capital One Savor Cash Rewards (formerly SavorOne)
Capital One · Mastercard · No annual fee
3%
8
#83x
Huntington Voice Rewards Credit Card
Huntington · Mastercard · No annual fee · Choose this category · up to $2,000/qtr (combined)
3x
9
#93x
Navy Federal More Rewards American Express Card
Navy Federal · Amex · No annual fee
3x
10
#105x
Choice Privileges Select Mastercard
Wells Fargo · Mastercard · $95/yr
5x

Online

Good to know at Kroger

Kroger rankings run on grocery rates, and acceptance is a non-issue: no network is restricted in store or online, so every card on this list works at the register. There is no Kroger store card in the mix — the leaders are general grocery cards, headed by the Blue Cash Preferred Card from American Express at 6% back for a $95 annual fee.

The fine print worth reading is the caps. That 6% applies to your first $6,000 per year; the American Express Gold Card earns 4x with a much higher $25,000 annual ceiling, but its $325 fee only makes sense for heavy grocery budgets. One channel quirk: the Chase Sapphire Preferred earns its 3x on Kroger orders online only, so it appears in the online ranking and not the in-store one.

If neither leader is in your wallet, the no-fee tier holds up: Blue Cash Everyday earns 3% with a spending cap and a lower rate past it, and Capital One Savor Cash Rewards earns 3% with no cap listed. Also, a bigger multiplier is not a bigger reward: Choice Privileges Select Mastercard earns 5x but works out near 3% in cash terms, while the Aeroplan Card's 3x is worth closer to 3.9%.

The math

Spend $600 a month at Kroger and Blue Cash Preferred Card from American Express returns about $372 a year at our valuations — a flat 2% card returns $144.

Common questions

What is the best credit card at Kroger?: Blue Cash Preferred Card from American Express earns the most at Kroger right now at 6%.
How does SwipeCaddy pick the best card at Kroger?: We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Kroger's card-acceptance rules, so the "best" card is one you can actually use at the register.
What is the catch with the 6% grocery rate at Kroger?: The Blue Cash Preferred Card from American Express earns 6% on up to $6,000 per year, and it carries a $95 annual fee. If your Kroger spending clears that cap, the American Express Gold Card keeps earning 4x up to $25,000 per year — but weigh its $325 fee first.
Is there a good no-annual-fee card for Kroger runs?: Two no-fee cards earn 3% at Kroger: the Blue Cash Everyday Card from American Express, which has a spending cap and a lower rate after it, and the Capital One Savor Cash Rewards, with no cap listed. If you will not spend enough to justify a $95 fee, either one is the simpler choice.

Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.

In store

Online

Good to know at Kroger

The math

Common questions

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