Best credit card to use at Trader Joe's.
Groceries
Trader Joe's is the smaller-format private-label grocer with about 600 stores nationwide, famous for store-brand goods and tight pricing. Average tickets are smaller than at full-line supermarkets, but the visit frequency tends to be higher. TJ's codes cleanly as groceries (supermarket merchant code) on essentially every card we track, so any standard 3-6% grocery card will earn here.
- #16%
- #2Citi Custom Cashif it’s your top categoryCiti5% 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 cycle5%
- #3U.S. Bank Cash+ Visa Signatureif you select itU.S. Bank5% 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 combined5%
- #45.0%5x points
- #54.8%4x points
- #6American Express4x points on groceriesU.S. supermarkets and restaurants (up to $15,000/yr combined, then 2x)4.8%4x points
- #7Bilt Obsidianif you select itBilt3x 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
- #83.0%3x points
- #93%
- #103%
