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20 cards ranked

Best credit card to use at Fry's Food Stores.

Groceries

Fry's Food Stores is Kroger's Arizona banner (no relation to the old electronics chain), running large supermarkets across Phoenix and Tucson. Grocery spending codes as supermarket on most cards, so use whatever grocery bonus you hold. Fuel at a Fry's gas station codes as gas, and many shoppers stack the chain's loyalty fuel points on top.

  1. #1
    American Express
    6% on groceries (up to $6,000/year, then 1%)
    U.S. supermarkets
    6%
  2. #2
    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
    4x points on groceries
    4.8%4x points
  4. #4
    American Express
    4x points on groceries
    U.S. supermarkets and restaurants (up to $15,000/yr combined, then 2x)
    4.8%4x points
  5. #5
    Barclays
    4x points on groceries
    4.0%4x points
  6. #6
    Barclays
    4x points on groceries
    Excludes Target and Walmart
    4.0%4x points
  7. #7
    Navy Federal
    3x points on groceries
    3.6%3x points
  8. #8
    Wells Fargo
    5x points on groceries
    3.5%5x points
  9. #9
    Comenity Capital Bank
    3% on groceries
    3%
  10. #10
    Chase
    3x points on groceries
    3.0%3x points
  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)
    3.0%3x points
  12. #12
    American Express
    3% on groceries (up to $6,000/year, then 1%)
    U.S. supermarkets
    3%
  13. #13
    Capital One
    3% on groceries
    3%
  14. #14
    Capital One
    3% on groceries
    3%
  15. #15
    Capital One
    3% on groceries
    3%
  16. #16
    Citi
    3x points on groceries
    3.0%3x points
  17. #17
    Citi
    3x points on groceries
    3.0%3x points
  18. #18
    American Express
    6x points on groceries
    U.S. supermarkets
    3.0%6x points
  19. #19
    USAA
    3% on groceries
    First $3,000/year
    3%
  20. #20
    Venmo Credit Cardif it’s your top category
    Synchrony
    3% on groceries if it's your top eligible spend category that cycle
    Automatically on your highest-spend eligible category each statement period (8 eligible: transportation, travel, groceries, entertainment, dining & nightlife, bills & utilities, health & beauty, gas). Drugstores here represents health & beauty; bills & utilities maps to utilities.
    3%

Last updated June 30, 2026