Best Cash Back Card for Whole Foods
Prime members get 5% back at Whole Foods with Prime Visa. Other grocery cards earn 3-6% here. Pure cash-back rewards — no points to track, no redemption gymnastics.
Top cash back picks for Whole Foods
Blue Cash Preferred from Amex
6% on U.S. SupermarketsAmerican Express · $95 annual fee
The best card for grocery shoppers with 6% back at U.S. supermarkets.
Capital One SavorOne
3% on GroceriesCapital 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.
Blue Cash Everyday Card from American Express
3% on U.S. SupermarketsAmerican 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 Customized Cash Rewards
2% on Groceries & WholesaleBank 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 Cashback Rewards Plus
2% on SupermarketsUSAA · 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 it Secured Credit Card
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 it Cash Back
Discover · No annual fee
Exceptional value with 5% rotating categories and a unique Cashback Match that doubles all rewards the first year.
Chase Ink Business Cash
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.
Annual value math — Blue Cash Preferred from Amex at Whole Foods
Typical spend
$3,500
per year at Whole Foods
Earn rate
6%
on U.S. Supermarkets
Annual value
$210
rewards earned per year
Pro tips for maximizing rewards at Whole Foods
- Amazon Prime Visa gives 5% at Whole Foods
- Amex Gold earns 4x at U.S. supermarkets (up to $25k/yr)
- Whole Foods codes as 'Supermarket' universally
More card picks for Whole Foods
Best cash back cards for other retailers
Frequently asked questions
What is the best cash back credit card for Whole Foods?⌄
Our top pick is the Blue Cash Preferred from Amex — it's a cash back card that earns 6% on U.S. Supermarkets, which applies to Whole Foods purchases. With typical spending of $3,500/year at Whole Foods, that's about $210/year in rewards.
Do Whole Foods purchases count as Groceries?⌄
Whole Foods purchases typically code as Groceries or Supermarkets or U.S. Supermarkets depending on the issuer. Card networks determine merchant category codes (MCC), so coding can vary between Visa and Mastercard for the same retailer.
Is a cash back card worth it just for Whole Foods?⌄
A cash back card is only worth it if its broader utility matches your spending. The Whole Foods fit is a bonus — not the primary reason to open one.
Any pro tips for using a card at Whole Foods?⌄
Amazon Prime Visa gives 5% at Whole Foods Amex Gold earns 4x at U.S. supermarkets (up to $25k/yr) Whole Foods codes as 'Supermarket' universally
How much can I earn per year on Whole Foods with a cash back card?⌄
At the typical Whole Foods spend of $3,500/year and the 6% earn rate on our top pick, you'd earn about $210/year — more than enough to justify the card.