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20 cards ranked

Best credit card to use at Tops Friendly Markets.

Groceries

Tops Friendly Markets is a Western New York based supermarket chain with about 150 stores across upstate New York, northern Pennsylvania, and Vermont. Now part of Northeast Grocery (the same parent that runs Price Chopper), Tops codes as a U.S. supermarket for credit card networks. Standard grocery rewards cards (Amex Gold, Blue Cash Preferred, Citi Custom Cash) will earn full multipliers, and the Tops BonusPlus loyalty card adds per-gallon fuel discounts at partner gas stations.

  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
    USAA Cashback Rewards Plus
    USAA
    3% on groceries
    First $3,000/year
    3%
  18. #18
    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%
  19. #19
    Wells Fargo Choice Privileges Mastercard
    Wells Fargo
    3x points on groceries
    3.0%3x points
  20. #20
    Southwest Rapid Rewards Plus
    Chase
    2x points on groceries
    Gas stations and grocery stores (first $5,000/year)
    2.6%2x points

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Last updated May 17, 2026

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