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20 cards ranked

Best credit card to use at Thrive Market.

GroceriesOnline Shopping

Thrive Market is a membership-based online grocery and wellness retailer focused on organic, non-GMO, and specialty-diet pantry items (keto, paleo, gluten-free), shipped to subscribers from regional fulfillment centers. The annual membership funds member-only pricing on shelf-stable groceries, supplements, and clean-beauty products. Thrive Market charges generally code as online retail or supermarkets depending on the issuer's processor mapping, so results vary: cards with online-shopping bonuses (Chase Freedom Flex quarters, Capital One SavorOne online grocery) often earn more than flat-rate cards on Thrive Market orders.

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

  1. #1
    Blue Cash Preferred
    American Express
    6% on groceries (up to $6,000/year, then 1%)
    U.S. supermarkets
    6%
  2. #2
    AAA Daily Advantage Visa Signature
    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 Gold
    American Express
    4x points on groceries (up to $25,000/year, then 1%)
    4.8%4x points
  4. #4
    Wyndham Rewards Earner Plus
    Barclays
    4x points on groceries
    4.0%4x points
  5. #5
    Wyndham Rewards Earner Premier
    Barclays
    4x points on groceries
    Excludes Target and Walmart
    4.0%4x points
  6. #6
    Wells Fargo Choice Privileges Select Mastercard
    Wells Fargo
    5x points on groceries
    3.5%5x points
  7. #7
    AAA Travel Advantage Visa Signature
    Comenity Capital Bank
    3% on groceries
    3%
  8. #8
    Blue Cash Everyday
    American Express
    3% on groceries (up to $6,000/year, then 1%)
    U.S. supermarkets
    3%
  9. #9
    Capital One Savor Cash Rewards
    Capital One
    3% on groceries
    3%
  10. #10
    Capital One Savor Student Cash Rewards
    Capital One
    3% on groceries
    3%
  11. #11
    Capital One SavorOne Cash Rewards
    Capital One
    3% on groceries
    3%
  12. #12
    Citi Strata
    Citi
    3x points on groceries
    3.0%3x points
  13. #13
    Citi Strata Premier
    Citi
    3x points on groceries
    3.0%3x points
  14. #14
    Hilton Honors American Express Surpass
    American Express
    6x points on groceries
    U.S. supermarkets
    3.0%6x points
  15. #15
    Navy Federal More Rewards American Express
    Navy Federal
    3x points on groceries
    3.0%3x points
  16. #16
    USAA Cashback Rewards Plus
    USAA
    3% on groceries
    First $3,000/year
    3%
  17. #17
    Wyndham Rewards Earner
    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 Gold
    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%

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Last updated September 14, 2026

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