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20 cards ranked

Best credit card to use at WinCo Foods.

Groceries

WinCo Foods is an employee-owned, low-price supermarket chain with about 140 stores across the Western and Mountain U.S. The format strips out a lot of typical grocery overhead (no baggers, bulk bins, limited frills) to keep shelf prices low. One major quirk for card users: WinCo historically did not accept credit cards at all, taking only debit, cash, checks, and EBT. That policy still holds in most stores, which makes a grocery rewards card essentially unusable here. Confirm payment policy at your local location before relying on a credit card.

  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
    Chase Freedom Flexthis quarter
    Chase
    5% on groceries this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Q4 2026: grocery stores (excluding Walmart and Target), dining, and donations to the American Red Cross
    5%
  4. #4
    American Express Gold
    American Express
    4x points on groceries (up to $25,000/year, then 1%)
    4.8%4x points
  5. #5
    Wyndham Rewards Earner Plus
    Barclays
    4x points on groceries
    4.0%4x points
  6. #6
    Wyndham Rewards Earner Premier
    Barclays
    4x points on groceries
    Excludes Target and Walmart
    4.0%4x points
  7. #7
    Wells Fargo Choice Privileges Select Mastercard
    Wells Fargo
    5x points on groceries
    3.5%5x points
  8. #8
    AAA Travel Advantage Visa Signature
    Comenity Capital Bank
    3% on groceries
    3%
  9. #9
    Air Canada Aeroplan
    Chase
    3x points on groceries
    Purchases posting through December 31, 2026 earn 3x, then 2x
    3.0%3x points
  10. #10
    Blue Cash Everyday
    American Express
    3% on groceries (up to $6,000/year, then 1%)
    U.S. supermarkets
    3%
  11. #11
    Capital One Savor Cash Rewards
    Capital One
    3% on groceries
    3%
  12. #12
    Capital One Savor Student Cash Rewards
    Capital One
    3% on groceries
    3%
  13. #13
    Capital One SavorOne Cash Rewards
    Capital One
    3% on groceries
    3%
  14. #14
    Citi Strata
    Citi
    3x points on groceries
    3.0%3x points
  15. #15
    Citi Strata Premier
    Citi
    3x points on groceries
    3.0%3x points
  16. #16
    Hilton Honors American Express Surpass
    American Express
    6x points on groceries
    U.S. supermarkets
    3.0%6x points
  17. #17
    Navy Federal More Rewards American Express
    Navy Federal
    3x points on groceries
    3.0%3x points
  18. #18
    USAA Cashback Rewards Plus
    USAA
    3% on groceries
    First $3,000/year
    3%
  19. #19
    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
  20. #20
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%

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Last updated October 23, 2026

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