Best Cash Back Card for Trader Joe's

American Express · $95 annual fee

The best card for grocery shoppers with 6% back at U.S. supermarkets.

Capital One · No annual fee

Earn 3% cash back on dining, entertainment, popular streaming services, and grocery stores — four high-value categories covering most everyday spending — all with no annual fee. One of the few no-fee cards offering both grocery and dining bonuses simultaneously, ideal for households that eat out and cook at home.

American Express · No annual fee

Amex's no-annual-fee cashback card earns 3% in three powerful everyday categories — supermarkets, online retail, and gas. The online retail 3% is especially valuable as more spending moves online. Disney Bundle credit ($84/year) partially offsets the lack of fee, making this an excellent companion card.

Bank of America · No annual fee

Choose your own 3% cash back category — gas, online shopping, dining, travel, drug stores, or home improvement — and earn 2% at grocery stores and wholesale clubs (up to 2,500 dollars combined per quarter). Bank of America Preferred Rewards members earn up to 75% more cash back, making this a powerhouse for existing BoA customers.

USAA · No annual fee

USAA's flagship cashback card offers a unique 5% back on purchases made on military bases (BX/PX, commissary). 2% on groceries and gas makes it strong for everyday spending too. USAA members benefit from some of the lowest APR rates available.

Discover · No annual fee

The best secured credit card by a wide margin — and the only secured card that earns meaningful cash back rewards. Most secured cards offer nothing; Discover gives you 2% on gas and dining with Cashback Match doubling it all year one. Automatic review for upgrade to unsecured after 7 months means your deposit is returned faster than most.

Discover · No annual fee

Exceptional value with 5% rotating categories and a unique Cashback Match that doubles all rewards the first year.

Chase · No annual fee

The best no-annual-fee business credit card for companies spending on office supplies and telecom. Earn 5% cash back at office supply stores, on internet, cable, and phone services — categories that most businesses use heavily. The $750 welcome bonus after just $6,000 spend makes the first year especially lucrative.