Best credit card to use at Bulletproof.

Picks without a tag earn at Bulletproof both in-store and online. Watch for theOnline onlytag — those bonuses only apply on bulletproof.com.

1. #1
   
   Blue Cash Preferred

   American Express

   6% on groceries (up to $6,000/year, then 1%)

   U.S. supermarkets
   6%
2. #2
   
   AAA Daily Advantage Visa Signature

   Comenity Capital Bank

   5% on groceries (up to $10,000/year, then 1%)

   Combined $500/year cash back cap with wholesale clubs and gas/EV-charging stations; 1% thereafter
   5%
3. #3
   
   American Express Gold

   American Express

   4x points on groceries (up to $25,000/year, then 1%)
   4.8%4x points
4. #4
   
   Wyndham Rewards Earner Plus

   Barclays

   4x points on groceries
   4.0%4x points
5. #5
   
   Wyndham Rewards Earner Premier

   Barclays

   4x points on groceries

   Excludes Target and Walmart
   4.0%4x points
6. #6
   
   Wells Fargo Choice Privileges Select Mastercard

   Wells Fargo

   5x points on groceries
   3.5%5x points
7. #7
   
   AAA Travel Advantage Visa Signature

   Comenity Capital Bank

   3% on groceries
   3%
8. #8
   
   Aeroplan

   Chase

   3x points on groceries
   3.0%3x points
9. #9
   
   Bank of America Cash Rewards SecuredOnline onlyif you select it

   Bank of America

   3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)

   3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
   3%
10. #10
    
    Bank of America Customized Cash RewardsOnline onlyif you select it

    Bank of America

    3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)

    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
11. #11
    
    Bilt Obsidianif you select it

    Bilt

    3x points on groceries if you select it as a bonus category (up to $25,000/year, then 1%)

    Choose dining (default) or groceries as your 3x category annually (cap applies when groceries is selected). Earn up to 6x at participating Bilt Dining restaurants (limited network) when Dining is the selected category.
    3.0%3x points
12. #12
    
    Blue Cash Everyday

    American Express

    3% on groceries (up to $6,000/year, then 1%)

    U.S. supermarkets
    3%
13. #13
    
    Capital One Savor Cash Rewards

    Capital One

    3% on groceries
    3%
14. #14
    
    Capital One Savor Student Cash Rewards

    Capital One

    3% on groceries
    3%
15. #15
    
    Capital One SavorOne Cash Rewards

    Capital One

    3% on groceries
    3%
16. #16
    
    Citi Strata

    Citi

    3x points on groceries
    3.0%3x points
17. #17
    
    Citi Strata Premier

    Citi

    3x points on groceries
    3.0%3x points
18. #18
    
    Hilton Honors American Express Surpass

    American Express

    6x points on groceries

    U.S. supermarkets
    3.0%6x points
19. #19
    
    Navy Federal More Rewards American Express

    Navy Federal

    3x points on groceries
    3.0%3x points
20. #20
    
    USAA Cashback Rewards Plus

    USAA

    3% on groceries

    First $3,000/year
    3%

For recurring subscriptions, a steady rate wins: Bank of America Customized Cash set to online shopping earns 3 percent every month, and a Freedom Flex online-retail quarter is the moment to prepay or stock up at 5 percent. Buying Bulletproof products at a grocery store instead unlocks Amex Blue Cash Preferred's 6 percent.

Last updated August 10, 2026