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Best Credit Card for Harris Teeter in 2026

We ranked every major cash back credit card by what you actually earn at Harris Teeter. The top pick earns 6% — here's the full breakdown.

8 cards earning 2%+ at Harris Teeter · sorted by highest cash back · updated Q2 2026

1
Blue Cash Preferred® Card from Amex
Blue Cash Preferred® Card from Amex
American Express
6% at U.S. supermarkets (up to $6,000/yr, then 1%)
Annual fee: $95/yr
6%
cash back
Apply Now — Earn 6% at This Store →

Why #1: Top pick: earns 6% cash back at Harris Teeter — the highest rate available. Annual fee of $95/yr is easily offset by heavy use.

2
Citi Custom Cash® Card
Citi Custom Cash® Card
Citi
5% auto-detects your top spend category (up to $500/mo)
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #2: Top pick: earns 5% cash back at Harris Teeter — the highest rate available. No annual fee required.

3
Amex EveryDay Preferred® Credit Card
Amex EveryDay Preferred® Credit Card
American Express
3x points at U.S. supermarkets (50% bonus when you use the card 30+ times/month = 4.5x)
Annual fee: $95/yr
4.5%
cash back
Apply Now — Earn 4.5% at This Store →

Why #3: Strong choice at 4.5% — among the best non-co-branded cards for Harris Teeter. $95/yr annual fee.

4
American Express® Gold Card
American Express® Gold Card
American Express
4x at Harris Teeter — qualifies as U.S. supermarket (up to $25,000/yr)
Annual fee: $325/yr
4%
cash back
Apply Now — Earn 4% at This Store →

Why #4: Strong choice at 4% — among the best non-co-branded cards for Harris Teeter. $325/yr annual fee.

5
Blue Cash Everyday® Card from Amex
Blue Cash Everyday® Card from Amex
American Express
3% at U.S. supermarkets (up to $6,000/yr)
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #5: Solid 3% cash back at Harris Teeter with no activation needed. No annual fee — easy to hold long-term.

6
Capital One Savor Cash Rewards
Capital One Savor Cash Rewards
Capital One
3% at grocery stores (excludes Walmart & Target)
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #6: Solid 3% cash back at Harris Teeter with no activation needed. No annual fee — easy to hold long-term.

7
Capital One SavorOne Cash Rewards
Capital One SavorOne Cash Rewards
Capital One
3% at grocery stores (excludes Walmart & Target)
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #7: Solid 3% cash back at Harris Teeter with no activation needed. No annual fee — easy to hold long-term.

8
Robinhood Gold Card
Robinhood Gold Card
Robinhood / Sutton Bank
3% unlimited cash back on all purchases — no categories, no caps. ⚠️ Requires Robinhood Gold subscription ($5/mo). Effective rate is ~3% if you spend $6,000+/yr; otherwise the subscription cost reduces net earnings.
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #8: Solid 3% cash back at Harris Teeter with no activation needed. No annual fee — easy to hold long-term.

Frequently Asked Questions

What is the best credit card to use at Harris Teeter?

The best card at Harris Teeter right now is the Blue Cash Preferred® Card from Amex, earning 6% cash back. 6% at U.S. supermarkets (up to $6,000/yr, then 1%)

Does any credit card offer more than 2% at Harris Teeter?

Yes — the Blue Cash Preferred® Card from Amex at 6%, the Citi Custom Cash® Card at 5%, the Amex EveryDay Preferred® Credit Card at 4.5% all earn above 2% at Harris Teeter.

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Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.