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11 cards ranked

Best credit card to use at Home Chef.

Online Shopping

Home Chef is the meal-kit subscription owned by Kroger since 2018, offering customizable recipes including Fresh and Easy 15-minute kits, Family Menu portions, and the Express line of microwavable meals. Home Chef kits also sell through Kroger-banner grocery stores. When ordered online, Home Chef charges typically code as online retail or direct food shipping rather than groceries or dining, so flat-rate cards (Citi Double Cash 2%, Wells Fargo Active Cash 2%) often beat category cards. In-store purchases at Kroger code as supermarkets.

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

  1. #1
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  2. #2
    American Express
    4x points on online shopping
    U.S. online retail purchases
    2.0%4x points
  3. #3
    Robinhood
    3% flat-rate cashback
    3%
  4. #4
    American Express
    2% flat-rate cashback
    2%
  5. #5
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  6. #6
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  7. #7
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  8. #8
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  9. #9
    U.S. Bank
    2% flat-rate cashback
    2%
  10. #10
    Wells Fargo
    2% flat-rate cashback
    2%
  11. #11
    Wells Fargo
    2% flat-rate cashback
    2%

Last updated May 17, 2026