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20 cards ranked

Best credit card to use at Smart & Final.

GroceriesWholesale Club

Smart & Final is a California-based hybrid warehouse/grocery chain with about 250 stores across the Western U.S. and Mexico. Unlike Costco or Sam's, no membership is required, so any shopper can walk in and buy bulk packaged goods alongside normal grocery items. Merchant category coding is the gotcha here: most Smart & Final stores historically code as warehouse club rather than supermarket, which means a grocery bonus card (Amex Gold, Blue Cash Preferred) may not trigger its multiplier. Coding can vary by location, so check a recent statement before assuming a category bonus applies.

  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
    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%
  4. #4
    Wells Fargo Choice Privileges Select Mastercard
    Wells Fargo
    5x points on groceries
    5.0%5x points
  5. #5
    American Express Gold
    American Express
    4x points on groceries
    4.8%4x points
  6. #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. #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. #8
    AAA Travel Advantage Visa Signature
    Comenity Capital Bank
    3% on groceries
    3%
  9. #9
    Aeroplan
    Chase
    3x points on groceries
    3.0%3x points
  10. #10
    Blue Cash Everyday
    American Express
    3% on groceries (up to $6,000/year, then 1%)
    U.S. supermarkets
    3%
  11. #11
    Capital One Savor Cash Rewards
    Capital One
    3% on groceries
    3%
  12. #12
    Capital One Savor Student Cash Rewards
    Capital One
    3% on groceries
    3%
  13. #13
    Capital One SavorOne Cash Rewards
    Capital One
    3% on groceries
    3%
  14. #14
    Citi Strata
    Citi
    3x points on groceries
    3.0%3x points
  15. #15
    Citi Strata Premier
    Citi
    3x points on groceries
    3.0%3x points
  16. #16
    Hilton Honors American Express Surpass
    American Express
    6x points on groceries
    U.S. supermarkets
    3.0%6x points
  17. #17
    US Bank Shopper Cash Rewardsif you select it
    U.S. Bank
    3% on wholesale clubs if you select it as a bonus category
    Choose 1 everyday category each quarter, up to $1,500
    3%
  18. #18
    USAA Cashback Rewards Plus
    USAA
    3% on groceries
    First $3,000/year
    3%
  19. #19
    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%
  20. #20
    Wells Fargo Choice Privileges Mastercard
    Wells Fargo
    3x points on groceries
    3.0%3x points

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Last updated May 17, 2026

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