10 cards ranked

Best credit card to use at Instacart.

Groceries

Instacart is the largest U.S. grocery delivery and pickup marketplace, partnering with Costco, Wegmans, ALDI, Publix, and many regional chains. Orders placed through the Instacart app or instacart.com generally code as groceries on most cards, but some banks classify the charge as the underlying merchant — worth confirming on a small order before relying on a 6% grocery card. Several premium cards (Sapphire Reserve, Venture X) include Instacart+ memberships and statement credits.

#1
Blue Cash Preferred
American Express
6% on groceries (up to $6,000/year, then 1%)
U.S. supermarkets
6%
#2
Citi Custom Cashif it’s your top category
Citi
5% on groceries if it's your top eligible spend category that cycle (up to $500/month, then 1%)
Automatically on your top eligible spend category each billing cycle
5%
#3
U.S. Bank Cash+ Visa Signatureif you select it
U.S. Bank
5% on groceries if you select it as a bonus category (up to $2,000/quarter, then 1%)
Choose 2 categories each quarter, up to $2,000 combined
5%
#4
Wells Fargo Choice Privileges Select Mastercard
Wells Fargo
5x points on groceries
5.0%5x points
#5
American Express Gold
American Express
4x points on groceries
4.8%4x points
#6
Marriott Bonvoy Bevy American Express
American Express
4x points on groceries
U.S. supermarkets and restaurants (up to $15,000/yr combined, then 2x)
4.8%4x points
#7
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)
4.5%3x points
#8
Aeroplan
Chase
3x points on groceries
3.0%3x points
#9
Blue Cash Everyday
American Express
3% on groceries (up to $6,000/year, then 1%)
U.S. supermarkets
3%
#10
Capital One Savor Cash Rewards
Capital One
3% on groceries
3%

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