Whole Foods Credit Card Rewards
Maximize your rewards with the best credit cards for Whole Foods
MCC Code
5411
Grocery Stores, Supermarkets
Eligible Cards
10
Cards earn rewards
Top Rate
4x points
Up to $25000/year
Quick Answer
The best credit card for Whole Foods is American Express Amex Gold, earning 4x points
With up to $25000/year, this card is ideal for offline spending at Whole Foods. Alternative options include Chase Chase Sapphire Preferred.
Best Credit Cards for Whole Foods
Chase Chase Freedom Flex
Q3 2026 rotating category (groceries & gas)
5% cashback
Up to $1500/quarter
Special Conditions
category activation status unknown; purchase date not provided
American Express Amex Gold
U.S. supermarkets
4x points
Up to $25000/year
Chase Chase Sapphire Preferred
Selected streaming and online grocery
3x points
American Express Blue Cash Everyday
U.S. supermarkets
3% cashback
Up to $6000/year
Special Conditions
merchant not identified (exclusion check)
Capital One Capital One Savor
Grocery stores
3% cashback
Special Conditions
merchant not identified (exclusion check)
U.S. Bank U.S. Bank Altitude Go
Qualifying grocery, gas/EV charging, and streaming
2x points
Special Conditions
merchant not identified (exclusion check)
Citi Citi Double Cash
All purchases (1% when buying + 1% when paying)
Capital One Capital One Venture X
All other purchases
Chase Chase Sapphire Reserve
Other purchases
American Express Amex Platinum
Other purchases
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:
- American Express Amex Gold- 4x points (up to $25000/year)
- Chase Chase Sapphire Preferred- 3x points ()
- Citi Citi Double Cash- ()
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, some cards only bonus online purchases, while others only bonus in-person purchases or portal bookings. Always check the merchant's MCC and any issuer caveats before assuming the bonus will post.
How can I maximize rewards at Whole Foods?
To maximize rewards at Whole Foods:
- Use American Express Amex Gold for 4x points on all transactions
- Be mindful of the monthly cap: up to $25000/year
- Consider pairing with Chase Chase Sapphire Preferred for additional categories
- Track your spending to stay within bonus category limits