Best card by store

Best Credit Card for Amazon (2026)

If you have Prime, the Prime Visa returns 5% at Amazon.com and Whole Foods with no annual fee, and nothing general beats it. Without Prime, the Amazon Visa pays 3%, which a no-fee Blue Cash Everyday matches on online retail. Your grocery card won't help: Amazon isn't a supermarket, even for groceries in your cart.

Best Credit Card for the Apple Store (2026)

Apple Card returns 3% Daily Cash on everything you buy from Apple, with no annual fee, and Apple Card Monthly Installments let you pay off a new iPhone or Mac at 0% APR while still getting the 3% up front. A flat-rate card earns 2% to 3% at Apple without the financing. The Apple Card is the pick if you'd finance; otherwise the gap is small.

Best Credit Card for Best Buy (2026)

For purchases you'll pay off right away, a My Best Buy card returns 5% in reward certificates at Best Buy, or 6% if you have a My Best Buy Plus or Total membership. No general card comes close, because Best Buy codes as an electronics store. If you take Best Buy's financing instead, that purchase earns no card rewards, so compare the interest you'd save against the 5%.

Best Credit Card for REI (2026)

If you're an REI member and shop there a few times a year, the REI Co-op Mastercard returns 5% at REI and REI.com with no annual fee, and it stacks with the member reward on full-price gear. No general card comes close, because REI codes as a sporting goods store and few cards have a bonus for it. The catch is that the 5% comes back as REI rewards, not cash.

Best Credit Card for Target (2026)

Use a Target Circle Card for most Target purchases: 5% off in store and on Target.com, with no annual fee. Your grocery card won't help, because Target codes as a discount store, not a supermarket. For what the Circle Card excludes, such as gift cards and pharmacy, a flat 2% to 3% card is the best you'll do.

Best Credit Card for Walmart (2026)

If you shop at Walmart regularly, the OnePay CashRewards card returns 3% at Walmart stores and Walmart.com, or 5% with a linked Walmart+ membership, with no annual fee. Grocery cards don't help, because Walmart Supercenters typically code as discount stores, not supermarkets. Without the OnePay card, a flat-rate card is your best option at Walmart.

Best Credit Card for Whole Foods (2026)

Whole Foods typically codes as a supermarket, so grocery cards earn their full rate there, unlike at Target or Walmart. With Prime, the Prime Visa's 5% has no cap and no fee. A Blue Cash Preferred pays 6% but only on the first $6,000 a year of supermarket spending and charges a $95 fee, so it wins when Whole Foods is part of a large grocery budget.