How does SwipeCaddy pick the best card at Publix?

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

What if I spend more than $6,000 a year on groceries at Publix?

The Blue Cash Preferred's 6% rate covers only your first $6,000 per year. Past that, the American Express Gold Card keeps earning 4x up to $25,000 per year, though its annual fee is $325. If neither fits, the Capital One Savor Cash Rewards earns a flat 3% with no cap listed, a reasonable overflow card.

Can I earn solid rewards at Publix without paying an annual fee?

Yes. Two no-annual-fee cards earn 3% at Publix: the Blue Cash Everyday Card from American Express, which has a spending cap and a lower rate once you pass it, and the Capital One Savor Cash Rewards, which has no cap listed. If you'd rather not track a limit, Savor is the simpler pick of the two.

Best cards at Publix

Blue Cash Preferred Card from American Express earns the most at Publix 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 Publix

Publix doesn't limit which card networks it accepts, in-store or online, so the choice comes down to pure earning power. The Blue Cash Preferred Card from American Express tops the list at 6% back, with two pieces of fine print: a $95 annual fee and a cap of $6,000 per year on that rate. If your Publix runs fit under that ceiling, it is hard to beat.

The in-store and online rankings at Publix are nearly identical, and the difference worth knowing is the Chase Sapphire Preferred: it earns 3x here on online purchases only, so it appears in the online list but not the in-store one. If you order delivery or pickup, it becomes a reasonable mid-list option; at the register, that bonus rate doesn't apply.

Don't rank these cards by their multipliers alone. The Choice Privileges Select Mastercard advertises 5x, but in cash terms that works out to roughly 3%, less than the Aeroplan Card's 3x, worth closer to 3.9% once point values are counted. If none of the fee-carrying leaders are in your wallet, a flat 3% from a no-annual-fee card is a respectable floor at Publix.

The math

Spend $600 a month at Publix 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 Publix?: Blue Cash Preferred Card from American Express earns the most at Publix right now at 6%.
How does SwipeCaddy pick the best card at Publix?: We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Publix's card-acceptance rules, so the "best" card is one you can actually use at the register.
What if I spend more than $6,000 a year on groceries at Publix?: The Blue Cash Preferred's 6% rate covers only your first $6,000 per year. Past that, the American Express Gold Card keeps earning 4x up to $25,000 per year, though its annual fee is $325. If neither fits, the Capital One Savor Cash Rewards earns a flat 3% with no cap listed, a reasonable overflow card.
Can I earn solid rewards at Publix without paying an annual fee?: Yes. Two no-annual-fee cards earn 3% at Publix: the Blue Cash Everyday Card from American Express, which has a spending cap and a lower rate once you pass it, and the Capital One Savor Cash Rewards, which has no cap listed. If you'd rather not track a limit, Savor is the simpler pick of the two.

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 Publix

The math

Common questions

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