Whole Foods Credit Card Rewards
Maximize your rewards with the best credit cards for Whole Foods
MCC Code
5411
Grocery Stores, Supermarkets
Eligible Cards
4
Cards earn rewards
Top Rate
2x Miles (2 MPD)
No cap
Quick Answer
The best credit card for Whole Foods is Capital One Venture X, earning 2x Miles (2 MPD)
With no cap, this card is ideal for offline spending at Whole Foods. Alternative options include Chase Freedom Flex.
Best Credit Cards for Whole Foods
Chase Freedom Flex
Included in whitelist
5x Cash Back (5 MPD equiv.)
$1,500 per quarter in bonus categories
Special Conditions
Rotating quarterly categories (must activate). No annual fee.
Blue Cash Everyday
Included in whitelist
3% Cash Back (3 MPD equiv.)
$6,000 per year in each category, then 1%
Special Conditions
Earns 3% at US supermarkets, US gas stations, and US online retail (select merchants). $0 annual fee first year, then $95.
Capital One Venture X
No restrictions
2x Miles (2 MPD)
No cap
Special Conditions
Earns 2x on everything, 5x on travel via Capital One Travel portal. $395 annual fee.
Citi Double Cash
No restrictions
2% Cash Back (2 MPD equiv.)
No cap
Special Conditions
Earns 2% on everything (1% purchase + 1% payment). No annual fee.
Reward Calculator
Estimated Monthly Rewards
Frequently Asked Questions
What is the MCC code for Whole Foods?
Whole Foods uses MCC code 5411, which stands for “Grocery Stores, Supermarkets”. This code determines which credit cards earn rewards at this merchant. Banks use MCC codes to categorize transactions and apply bonus rewards accordingly.
What credit cards work at Whole Foods?
The best credit cards for Whole Foods include:
- Capital One Venture X- 2x Miles (2 MPD) (no cap)
- Chase Freedom Flex- 5x Cash Back (5 MPD equiv.) ($1,500 per quarter in bonus categories)
- Citi Double Cash- 2% Cash Back (2 MPD equiv.) (no cap)
Is Whole Foods classified as online or offline spending?
Whole Foods is classified as offline spending. This affects card eligibility - some cards only earn rewards on offline transactions. For example, cards like Citibank Rewards MasterCard only earn bonus rewards on online spend, while UOB Visa Signature only works for offline (contactless or foreign currency) transactions.
How can I maximize rewards at Whole Foods?
To maximize rewards at Whole Foods:
- Use Capital One Venture X for 2x Miles (2 MPD) on all transactions
- Be mindful of the monthly cap: no cap
- Consider pairing with Chase Freedom Flex for additional categories
- Track your spending to stay within bonus category limits