Best Credit Card for Trader Joe's in 2026
We ranked every major cash back credit card by what you actually earn at Trader Joe's. The top pick earns 6% — here's the full breakdown.
8 cards earning 2%+ at Trader Joe's · sorted by highest cash back · updated Q1 2026
Why #1: Top pick: earns 6% cash back at Trader Joe's — the highest rate available. Annual fee of $95/yr is easily offset by heavy use.
Why #2: Top pick: earns 5% cash back at Trader Joe's — the highest rate available. No annual fee required.
Why #3: This rotating category is active right now — swipe this card at Trader Joe's to earn 5% cash back this quarter (activation required at issuer site).
Why #4: Strong choice at 4.5% — among the best non-co-branded cards for Trader Joe's. $95/yr annual fee.
Why #5: Strong choice at 4% — among the best non-co-branded cards for Trader Joe's. $325/yr annual fee.
Why #6: Solid 3% cash back at Trader Joe's with no activation needed. No annual fee — easy to hold long-term.
Why #7: Solid 3% cash back at Trader Joe's with no activation needed. No annual fee — easy to hold long-term.
Why #8: Solid 3% cash back at Trader Joe's with no activation needed. No annual fee — easy to hold long-term.
Frequently Asked Questions
What is the best credit card to use at Trader Joe's?
The best card at Trader Joe's 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 Trader Joe's?
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 Trader Joe's.
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 Trader Joe's's category is active, these cards can be the top earners.
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Search All Stores →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.