CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
Ranked by value on Costco purchases — note: Costco only accepts Visa.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Discover
All 10 cards ranked by effective value per dollar.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| NHL® Discover It®Discover | 5x points | 5.0¢/$ | $0 | — | discover |
| Discover it Cash BackDiscover | 5x Cashback | 5.0¢/$ | $0 | — | discover |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Discover it Student Cash BackDiscover | 5% cash back | 5.0¢/$ | $0 | — | discover |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Ranked by value on Costco purchases — note: Costco only accepts Visa.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Discover
All 10 cards ranked by effective value per dollar.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| NHL® Discover It®Discover | 5x points | 5.0¢/$ | $0 | — | discover |
| Discover it Cash BackDiscover | 5x Cashback | 5.0¢/$ | $0 | — | discover |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Discover it Student Cash BackDiscover | 5% cash back | 5.0¢/$ | $0 | — | discover |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Ranked by value on Costco purchases — note: Costco only accepts Visa.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Discover
All 10 cards ranked by effective value per dollar.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| NHL® Discover It®Discover | 5x points | 5.0¢/$ | $0 | — | discover |
| Discover it Cash BackDiscover | 5x Cashback | 5.0¢/$ | $0 | — | discover |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Discover it Student Cash BackDiscover | 5% cash back | 5.0¢/$ | $0 | — | discover |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →
Discover
Capital One
| American Express Gold CardAmex | 4x Membership Rewards | 3.6¢/$ | $325 | $212 | amex |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.0¢/$ | $95 | — | mastercard |
| Blue Cash Preferred Card from American ExpressAmex | 6x Cashback | 3.0¢/$ | $95 | $120 | amex |
| Costco Anywhere Visa Card by CitiCiti | 2% cash back | 1.0¢/$ | $0 | — | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Citi Custom Cash CardCiti | 5% cash back | 2.5¢/$ | $0 | $30 | mastercard |
Discover
Capital One
| American Express Gold CardAmex | 4x Membership Rewards | 3.6¢/$ | $325 | $212 | amex |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.0¢/$ | $95 | — | mastercard |
| Blue Cash Preferred Card from American ExpressAmex | 6x Cashback | 3.0¢/$ | $95 | $120 | amex |
| Costco Anywhere Visa Card by CitiCiti | 2% cash back | 1.0¢/$ | $0 | — | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Citi Custom Cash CardCiti | 5% cash back | 2.5¢/$ | $0 | $30 | mastercard |
Discover
Capital One
| American Express Gold CardAmex | 4x Membership Rewards | 3.6¢/$ | $325 | $212 | amex |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.0¢/$ | $95 | — | mastercard |
| Blue Cash Preferred Card from American ExpressAmex | 6x Cashback | 3.0¢/$ | $95 | $120 | amex |
| Costco Anywhere Visa Card by CitiCiti | 2% cash back | 1.0¢/$ | $0 | — | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Citi Custom Cash CardCiti | 5% cash back | 2.5¢/$ | $0 | $30 | mastercard |