The best credit card for grocery delivery
On grocery delivery orders, American Express Blue Business Plus comes out ahead at $4.00 per $100 spent, $0.40 more than the next card down.
Every card below is scored the way Cardful scores it at a checkout: the rate is multiplied by what that issuer's points are actually worth, so a points card and a cash-back card can be compared in the same unit. Counts as: Instacart, Amazon Fresh, Shipt.
The short version
- Earns the most: American Express Blue Business Plus — rewards worth $4.00 per $100 of grocery delivery orders, with no annual fee.
- No annual fee: the top pick already has none.
| # | Card | Earns | Point value | Per $100 |
|---|---|---|---|---|
| 1 |
Blue Business Plus
American Express · No annual fee
2x on every purchase, with no bonus categories to track · Up to $50,000 per year, then the base rate
|
2x | 2.00¢ / pt | $4.00 |
| 2 |
Venture Rewards
Capital One · $95/yr
Base rate — no bonus category applies here
|
2x | 1.80¢ / pt | $3.60 |
| 3 |
Venture X
Capital One · $395/yr
Base rate — no bonus category applies here
|
2x | 1.80¢ / pt | $3.60 |
| 4 |
Double Cash
Citi · No annual fee
Base rate — no bonus category applies here
|
2x | 1.60¢ / pt | $3.20 |
| 5 |
Freedom Rise
Chase · No annual fee
Base rate — no bonus category applies here
|
1.5x | 2.00¢ / pt | $3.00 |
| 6 |
Freedom Unlimited
Chase · No annual fee
Base rate — no bonus category applies here
|
1.5x | 2.00¢ / pt | $3.00 |
| 7 |
Robinhood Gold Card
Robinhood · $50/yr
Base rate — no bonus category applies here
|
3% | 1.00¢ / pt | $3.00 |
| 8 |
Strata Elite
Citi · $595/yr
Base rate — no bonus category applies here
|
1.5x | 1.60¢ / pt | $2.40 |
Cards that pay more only some of the year
Freedom Flex pays a bonus rate on grocery delivery only in quarters where the issuer picks that category, and you have to activate it. They are left out of the ranking above rather than credited with a rate you may not have this quarter — Cardful tracks which quarter your selection was made in and drops the card to its base rate when it lapses.
Cards that pay more here with a condition attached
Left out of the ranking above because each one needs something from you — a category chosen in the card's settings, or buying at one particular store. If that condition fits how you shop, these can beat everything in the table.
- Sapphire Preferred (Chase) — 3x only at Instacart.
How to use this list
- Check the store codes as grocery delivery. Issuers pay by the category the merchant registers under, not by what you bought. This page counts: Instacart, Amazon Fresh, Shipt.
- Start with the cards you already have. Find the highest one of yours in the table — that is your card for grocery delivery orders today, no application needed.
- Read the small print under each card. A spending cap or a "US only" note can change the answer if you spend a lot here or shop abroad.
- Only then think about a new card, and weigh the whole year: a card that wins one category can lose on the rest of your spending.
Why dollars and not multipliers
A multiplier is not a number you can compare with a cash-back percentage until you know what a point is worth. Every rate here was converted using a published valuation before the cards were sorted, which is why the order sometimes differs from the one the advertised multipliers suggest.
Point values: published industry valuations, most recently read 2026-09. We track The Points Guy, Upgraded Points, NerdWallet, Frequent Miler and AwardWallet.
Particular stores
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Your wallet, not this list.
This ranks the whole catalogue. Cardful ranks the cards you actually carry, at the store you are actually on.