Stack Math

The math made simple.

What are you buying?

Best card for groceries, in store

Chase Freedom Unlimited

$90 net per year

$6,000 a year × 1.5% = $90 earned, minus $0 annual fee

Flat rate

Other cards, ranked by net dollars

  1. Chase Freedom Flex
    1% · $0 fee · checked 2026-10-25
    $60
  2. Chase Sapphire Preferred
    1 points per dollar · $95 fee · checked 2026-10-25
    -$35
  3. Amex Gold Card
    4 points per dollar · $325 fee · cap: Up to $25,000 per calendar year, then 1x · checked 2026-10-25
    -$85
  4. Chase Sapphire Reserve
    1 points per dollar · $795 fee · checked 2026-10-25
    -$735
  5. Amex Platinum Card
    1 points per dollar · $895 fee · checked 2026-10-25
    -$835

9 more cards are still being verified and are left out of this ranking.

Check these before you pay

Portals and offers can add on top of your card. Merchant-level rates change daily, so open the portal to see today's number. We are adding live rates next.