Which card should I use at Whole Foods?
Amazon Prime Visa has its own rate at Whole Foods. Every rate below was checked against the card issuer's or the store's own pages.
Cards are ordered by the value they earn per dollar here at our Balanced point values. The order is never paid for. Value per $100 assumes you have room left under any earning cap. Where a rate needs a membership, the value is for the first rate the row shows.
How purchases at Whole Foods are counted
Whole Foods orders placed in store or online earn the Prime Visa's Whole Foods rate. Whole Foods items bought through Instacart or Shipt do not.
Cards at Whole Foods
Cards with their own rate at Whole Foods
| Card | What it earns here | Value per $100 |
|---|---|---|
| Amazon Prime Visa | 5% with Prime | $5.00 |
No annual fee
| Card | What it earns here | Value per $100 |
|---|---|---|
| Chase Freedom Flex | 5x pointsOn up to $1,500 a quarter across the quarter's bonus categories, then 1x.In Q4 2026, if you activate the bonus by December 14, 2026.This value assumes the points move to travel partners, which needs a second card from the same bank. | $11.15 |
| Citi Strata℠ Card | 3x pointsThis value assumes full transfer rates to travel partners, which need a second card from the same bank. | $6.90 |
| American Airlines AAdvantage® MileUp℠ Card | 2x miles | $6.00 |
| AAA Daily Advantage Visa Signature | 5% cash backUp to $500 cash back a year across grocery stores, wholesale clubs and gas stations combined, then 1%. | $5.00 |
| The Blue Business® Plus Credit Card from AmexBusiness | 2x pointsOn up to $50,000 a year across every purchase on this card, then 1x. | $4.92 |
| AT&T Points Plus Card from Citi | 2x pointsThis value assumes full transfer rates to travel partners, which need a second card from the same bank. | $4.60 |
| Citi Double Cash® Card | 2x pointsThis value assumes full transfer rates to travel partners, which need a second card from the same bank. | $4.60 |
| Crate & Barrel Visa Signature | 4% back in Reward DollarsReward Dollars are credits toward merchandise at Crate & Barrel, CB2 and Crate & Kids. | $4.00 |
Annual fee
| Card | What it earns here | Value per $100 |
|---|---|---|
| American Express® Gold Card | 4x pointsOn up to $25,000 a year across US supermarkets on this card, then 1x. | $9.84 |
| Aeroplan® Credit Card | 3x pointsFor purchases that post by December 31, 2026. | $8.10 |
Other cards earn here too. Check the cards you hold in Which Card.
A card is listed only once we have read its rate on the issuer's or the store's own page.
From credit unions and other member-only issuers
These cards pay more than their base rate here, but only members of the issuing institution can get them, so they sit outside the order above. They matter if you already hold one.
- Nusenda Visa® Platinum Cash Rewards Credit Card: 5% cash back. From Nusenda Credit UnionUp to $75 in bonus cash a quarter across the quarter's bonus categories.In Q4 2026.
Questions
- Do Whole Foods orders through Instacart earn the Prime Visa rate?
- No. Whole Foods items bought through Instacart or Shipt do not earn the Prime Visa's Whole Foods rate.
Sources
- Amazon Prime Visa
- Chase Freedom Flex
- Citi Strata℠ Card
- American Airlines AAdvantage® MileUp℠ Card
- AAA Daily Advantage Visa Signature
- The Blue Business® Plus Credit Card from Amex
- AT&T Points Plus Card from Citi
- Citi Double Cash® Card
- Crate & Barrel Visa Signature
- American Express® Gold Card
- Aeroplan® Credit Card
- Nusenda Visa® Platinum Cash Rewards Credit Card
- Whole Foods