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Stop & Shop Rewards Guide

2 data points

Top 2 Credit Cards by Earning Rate at Stop & Shop

American ExpressBlue Cash Preferred
6% cash backWith Bonus Earning
ChaseSapphire Preferred
3X Ultimate Rewards points

Stop & Shop

USA

Supermarket

Date

2026-02-12

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD6% Cash Back (With Bonus Earning)

Rewards

6 USD

Stop & Shop

USA

Online Grocery

Date

2025-07-11fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.stopandshop.com/

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Ultimate Rewards Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1lwetgn/list_of_grocery_stores_with_an_instore_method_for/n2kdyj6/ - Curbside pickup at stop & shop gets 3% with CSP.Read more

Quick Rewards Guide for Stop & Shop

💡 Top Performing Card: The community-verified best credit card for Stop & Shop purchases is the American Express Blue Cash Preferred. Transactions on this card consistently earn 6% cash back (With Bonus Earning) by coding in the "Supermarket" category.

🔍 Merchant Category Coding (MCC): Stop & Shop transactions most frequently code as "Supermarket" (or sometimes "Online Grocery"). Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.

💳 Maximize Online & App Bookings: For online or mobile app purchases at Stop & Shop, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.

Frequently Asked Questions

Q:What category does Stop & Shop code as on credit cards?

Based on community data points, Stop & Shop transactions primarily code under the "Supermarket" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Stop & Shop?

The American Express Blue Cash Preferred is highly recommended, as it has been verified to earn 6% cash back (With Bonus Earning) on Stop & Shop. Any card offering 3% or more cash back (or 3x points) on "Supermarket" purchases will also deliver excellent value.

Q:Does Stop & Shop code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Stop & Shop usually codes as "Supermarket" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.