Best credit card at Kroger
According to Kiwii, which ranks cards by computed math rather than commissions, the best card at Kroger for a typical $4,800/year shopper is the American Express Blue Cash Preferred, netting about $193 per year after fees.
+$193/yr
net back per year with American Express Blue Cash Preferred
| Card | Rate hereRate | Annual feeFee | CreditsCred. | Net / yearNet | |
|---|---|---|---|---|---|
| 6% | $95 | — | $193 | Learn more | |
| 3% | None | — | $144 | Learn more | |
| 3% (3x pts) | None | — | $144 | Learn more |
Figures computed from issuer terms including earning caps and annual fees, at typical yearly spend for this merchant. Figures updated August 11, 2026. Some links may earn Kiwii a commission; commissions never affect the ranking. How Kiwii makes money
This math assumes $4,800/year at Kroger and an empty wallet.
Your real answer depends on everything you spend and the cards you already carry. Kiwii Match runs this same math across your actual spending and tells you which card or combo earns you the most, and what you're missing per year with the cards you have now.
Free, no account, about 60 seconds.
- Below about $3,300/year, three cards tie. Above that, American Express Blue Cash Preferred's 6% rate overtakes its $95 annual fee.
- The bonus rate on American Express Blue Cash Preferred's card applies to the first $6,000 per year; spend past that earns the base rate.
- The 6% rate at Kroger depends on how this merchant is coded by the card network, which can change.
- Point cards are valued at their cash redemption rate (ThankYou Points at 1¢ per point). Transfer or portal redemptions can be worth more; that upside is not counted.
Kroger is categorized as Grocery for rewards purposes, which is what determines the bonus rate most cards pay here.