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20 cards ranked

Best credit card to use at Bulletproof.

GroceriesOnline Shopping

Bulletproof is the brand that popularized butter coffee, selling its coffee beans, MCT and Brain Octane oils, collagen protein, and supplements direct from bulletproof.com, mostly on subscribe-and-save reorders. Direct orders code as online retail rather than groceries, even though it is pantry spend.

Picks without a tag earn at Bulletproof both in-store and online. Watch for theOnline onlytag — those bonuses only apply on bulletproof.com.

  1. #1
    American Express
    6% on groceries (up to $6,000/year, then 1%)
    U.S. supermarkets
    6%
  2. #2
    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
    American Express
    4x points on groceries (up to $25,000/year, then 1%)
    4.8%4x points
  4. #4
    Barclays
    4x points on groceries
    4.0%4x points
  5. #5
    Barclays
    4x points on groceries
    Excludes Target and Walmart
    4.0%4x points
  6. #6
    Wells Fargo
    5x points on groceries
    3.5%5x points
  7. #7
    Comenity Capital Bank
    3% on groceries
    3%
  8. #8
    American Express
    3% on groceries (up to $6,000/year, then 1%)
    U.S. supermarkets
    3%
  9. #9
    Capital One
    3% on groceries
    3%
  10. #10
    Capital One
    3% on groceries
    3%
  11. #11
    Capital One
    3% on groceries
    3%
  12. #12
    Citi
    3x points on groceries
    3.0%3x points
  13. #13
    Citi
    3x points on groceries
    3.0%3x points
  14. #14
    American Express
    6x points on groceries
    U.S. supermarkets
    3.0%6x points
  15. #15
    Navy Federal
    3x points on groceries
    3.0%3x points
  16. #16
    USAA
    3% on groceries
    First $3,000/year
    3%
  17. #17
    Barclays
    3x points on groceries
    Excludes Target and Walmart; the 3x tier also covers eligible Wyndham Vacation Club purchases
    3.0%3x points
  18. #18
    Robinhood
    3% flat-rate cashback
    3%
  19. #19
    Bank of America Cash Rewards SecuredOnline onlyif you select it
    Bank of America
    3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  20. #20
    Bank of America Customized Cash RewardsOnline onlyif you select it
    Bank of America
    3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%

For recurring subscriptions, a steady rate wins: Bank of America Customized Cash set to online shopping earns 3 percent every month, and a Freedom Flex online-retail quarter is the moment to prepay or stock up at 5 percent. Buying Bulletproof products at a grocery store instead unlocks Amex Blue Cash Preferred's 6 percent.

Last updated September 14, 2026