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20 cards ranked

Best credit card to use at QFC.

Groceries

QFC, short for Quality Food Centers, is Kroger's upscale Seattle-area banner known for fresh and prepared foods. Spending at the store codes as groceries on most rewards cards, so reach for whatever supermarket multiplier you carry. As with other Kroger banners, any attached fuel center rings up as gas rather than groceries, so plan accordingly.

  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