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Best Credit Card for Kroger in 2026

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

8 cards earning 2%+ at Kroger · sorted by highest cash back · updated Q1 2026

1
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 Kroger — 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 Kroger — the highest rate available. No annual fee required.

3
Discover it® Cash Back
Discover it® Cash Back
Discover
5% on grocery stores — Q1 2026 ACTIVE CATEGORY (activate at Discover.com)
✅ Active this quarter · activate to earn
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #3: This rotating category is active right now — swipe this card at Kroger to earn 5% cash back this quarter (activation required at issuer site).

4
MC
Kroger Rewards World Mastercard®
U.S. Bank / Kroger
5% back at Kroger Family of Stores in year 1 (then 2%); includes Ralphs, Fred Meyer, King Soopers, Fry's, Smith's & more
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #4: Top pick: earns 5% cash back at Kroger — the highest rate available. No annual fee required.

5
AMEX
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 #5: Strong choice at 4.5% — among the best non-co-branded cards for Kroger. $95/yr annual fee.

6
AMEX
American Express® Gold Card
American Express
4x at Kroger — 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 #6: Strong choice at 4% — among the best non-co-branded cards for Kroger. $325/yr annual fee.

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

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

Frequently Asked Questions

What is the best credit card to use at Kroger?

The best card at Kroger 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 Kroger?

Yes — the Blue Cash Preferred® Card from Amex at 6%, the Citi Custom Cash® Card at 5%, the Discover it® Cash Back at 5% all earn above 2% at Kroger.

What are rotating category credit cards?

Cards like the Chase Freedom Flex and Discover it Cash Back offer 5% cash back on rotating categories that change each quarter (up to $1,500/quarter). You must activate the bonus each quarter at the issuer's website. When Kroger's category is active, these cards can be the top earners.

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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.