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20 cards ranked

Best credit card to use at Harris Teeter.

Groceries

Harris Teeter is a Southeast U.S. grocery chain with about 250 stores, owned by Kroger. Codes cleanly as groceries on every card we track. Best pairings are Blue Cash Preferred (6%), Capital One SavorOne (3%), and U.S. Bank Shopper Cash Rewards (6% if Harris Teeter is selected). VIC card (loyalty) discounts and per-gallon fuel savings at Harris Teeter and Kroger fuel stations stack on top of card bonuses.

  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
    Wells Fargo
    5x points on groceries
    5.0%5x points
  4. #4
    American Express
    4x points on groceries
    4.8%4x points
  5. #5
    American Express
    4x points on groceries
    U.S. supermarkets and restaurants (up to $15,000/yr combined, then 2x)
    4.8%4x points
  6. #6
    Bilt Obsidianif you select it
    Bilt
    3x 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
  7. #7
    Comenity Capital Bank
    3% on groceries
    3%
  8. #8
    Chase
    3x points on groceries
    3.0%3x points
  9. #9
    American Express
    3% on groceries (up to $6,000/year, then 1%)
    U.S. supermarkets
    3%
  10. #10
    Capital One
    3% on groceries
    3%
  11. #11
    Capital One
    3% on groceries
    3%
  12. #12
    Capital One
    3% on groceries
    3%
  13. #13
    Citi
    3x points on groceries
    3.0%3x points
  14. #14
    Citi
    3x points on groceries
    3.0%3x points
  15. #15
    American Express
    6x points on groceries
    U.S. supermarkets
    3.0%6x points
  16. #16
    USAA
    3% on groceries
    First $3,000/year
    3%
  17. #17
    Venmo Credit Cardif it’s your top category
    Synchrony
    3% on groceries if it's your top eligible spend category that cycle
    Automatically on your highest-spend eligible category each statement period (8 eligible: transportation, travel, groceries, entertainment, dining & nightlife, bills & utilities, health & beauty, gas). Drugstores here represents health & beauty; bills & utilities maps to utilities.
    3%
  18. #18
    Wells Fargo
    3x points on groceries
    3.0%3x points
  19. #19
    Chase
    2x points on groceries
    Gas stations and grocery stores (first $5,000/year)
    2.6%2x points
  20. #20
    Chase
    2x points on groceries
    Grocery stores and restaurants (first $8,000/year)
    2.6%2x points

Last updated May 17, 2026