50 Best Credit Cards For Whole Foods | The Point Calculator

Best Credit Cards For

Whole Foods Spending

A list of the 50 best credit cards for Whole Foods purchases based on your spend, pulled from a database of 250+ cards. Compare the results. Auto updates.


Whole Foods Market is an American supermarket chain that specializes in products that are free from hydrogenated fats and artificial colors, flavors, and preservatives that have presence in North America and the United Kingdom. They typically code as grocery, so most of the best credit cards for grocery/supermarket purchases will apply.

If you have Amazon Prime, the best option will be Amazon's own credit cards. You'll earn 5% back on Whole Foods Market purchases as well as 5% back on Amazon purchases which is top of the line in terms of earning. If you don't have Amazon Prime, you'll still earn a solid 3% return across both categories which is great for a card that has no annual fee.

If you don't want to dabble with Amazon's credit cards, American Express has you covered with both cash back credit cards and Membership Rewards Points credit cards. On the cash back side, the AMEX Blue Cash Preferred and no-annual fee AMEX Blue Cash Everyday provides 6% and 3% cash back on the first $6,000 in supermarket purchases per year. If you're looking to earn points, you can earn up to an unlimited 4.5x Membership Rewards Points with the AMEX Everyday Preferred or a flat 4x Membership Rewards Points with the AMEX Gold which also earns 4x on restaurant/dining purchases.

Lastly, you can earn 2% to 3.5%+ with the Citi ThankYou Plus Card if you're able to squeeze good value out of Citi ThankYou Points by transferring them to Citi's airline partners or with Bank of America's Cash Rewards Card which earns the higher returns if you have money invested with them and their partners.

Category Calculator

Listed below are the best credit cards for the given category sorted by return. Some credit cards have a wide range of value due to having multiple redemption options that yield such. For example, you may be able to redeem a program's points for cash back at value of 0.5 cents each but redeeming the same points for travel could offer a value of 1.25 cents each. You don't want to pick up a card that has an annual fee that doesn't match up with how you plan on redeeming your rewards. That will give you a negative return and no one wants that. So be sure to research the value of points and miles to get an idea of how value they will have for you. Don't go by the return values listed below alone.

You can click on a card's Rewards Calculator button (where applicable) to calculate how much you can earn across all categories on the card based on your spend, how much you value the benefits of the card, and any annual fees including authorized user fees (if applicable). You'll also be able to compare the results side by side any other card featured on the site based on the same spend. And spend you enter into a credit card rewards calculator will carry over to other credit card calculators on the site.

Compare credit cards side by side based on spend, benefits, and fees.

You can click on the name of the rewards the card earns to learn more about earning, redeeming, and transferring rewards within that rewards program as well as other useful information such as elite status, buying/gifting rewards, and much more. These also pages features additional calculators that can lend a hand in determining if a program could be a good fit based on your spending habits.

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Re-Calculate to refresh the results.

Adjust Transferable Points

Credit cards that are part of the American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, and Capital One Rewards programs will normally be towards the top of the list due to the value of transferring rewards to partners. Selecting this box will give these currencies their non-point transfer value. You will need to Re-Calculate after changing this option.

Bank (Holder)

The bank issuing the card.

Network

The network the card is tied to.

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, etc.

Rewards Type

The type of rewards the card earns.

Personal/Business

Toggle switch for displaying personal and business cards. Card combos are also featured on this site (i.e. AMEX Trifecta, Chase Trifecta).

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar when you use the card outside of it's region.

Results

Do note that results may take a few seconds to generate after doing a search. For more accurate results, I recommend using the Rewards Calculator. Some credit cards may appear in this list more than once if there's more than one path to transferring rewards.
Results Will Appear Here

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Page Last Updated: 2020-02-25
Article By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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