Are you keen to know the best credit card for gas and groceries for 2024? Are you drumming your fingers on the internet to learn more about the credit cards for grocery shopping or filling up the tank?
Perhaps you are looking for credit cards that offer you massive cashback on your purchases at supermarkets and grocery stores? If so, then let happiness flood you as you have marked your presence on the right page.
First, let’s face the facts about grocery credit cards.
According to a sample budget based on Esri’s most recent data, an average American spends approximately $431 monthly and $5,174 yearly on groceries. And that is more than the Americans spend on their dining time (usually $3,675 annually).
Families with those gigantic grocery bills can save several hundred dollars when you pay them with credit cards, offering nearly 1.5-6% cashback. Also, the icing on the cake is that they charge annual fees as low as $0. Hurray!
At supermarkets, the best grocery reward cards can offer 6%. While they typically rule out the wholesale clubs, including B.J.’s and Costco, and big box stores encompassing Walmart and Target. Still, you can take advantage of such rates at Krogers, Whole Foods, and other massive grocers.
Moreover, some of the best credit cards for groceries even offer bonus rewards in various other everyday expense categories, including; travel, restaurants, gas, etc.
For instance, when you pay for groceries with a rewards credit card, it would help you earn over $100 yearly on groceries; quite a masterstroke! So imagine saving such a significant amount of money at the time of checkout (without requiring any clip coupons); sounds excellent, Yeah!
On the other hand, when you talk about skyrocketing gas prices, travel enthusiasts know that the fuel expenses will not take any halt and can add up. And undoubtedly, it would be the best decision to get the cashback and many other rewards.
Especially for heavy drivers, getting rewards on gas can be a perfect thing they could ask for any day. In this blog, you will witness top gas credit cards that not just reward you well on gas station purchases but also a variety of spending, including groceries.
So, take a look at every card’s exclusive perks and limitations for figuring out the best credit cards for your grocery shopping and gas, based on your spending habits.
Top 12 Credit Cards For Gas and Groceries
| Credit Card Name | Annual Fee | Best For | Credit Score Required | Rewards Rate |
|---|---|---|---|---|
Blue Cash Preferred® Card from American Express | $95 (waived first year) | Zero Annual Fee and Everyday Spending | Good to Excellent (690-850) | 6% cashback at U.S. supermarkets, 3% on transit and U.S. gas stations |
Amazon Prime Rewards Visa Signature Card | $0 with Prime | Whole Foods and Amazon Shopping | Good to Excellent (690-850) | 5% back at Amazon and Whole Foods, 2% at gas stations, restaurants, drugstores |
Citi Custom Cash℠ Card | $0 | Customized Rewards | Good to Excellent (690-850) | 5% cashback on your top spending category (up to $500) each billing cycle |
Capital One SavorOne Cash Rewards Credit Card | $0 | All Foodie Expenses | Good to Excellent (690-850) | 3% cashback on dining, entertainment, popular streaming, and grocery stores |
Target RedCard™ Credit Card | $0 | Grocery Store Credit Card for Fair Credit | Fair to Good (630-689) | 5% off on Target purchases (in-store and online) |
Bank of America® Customized Cash Rewards | $0 | Less Common Bonus Categories | Good to Excellent (690-850) | 3% cashback on category of choice (gas, dining, travel, etc.), 2% at grocery stores |
Citi Premier® Card | $95 | Lucrative Set of Bonus Categories | Good to Excellent (690-850) | 3x points on air travel, hotels, gas stations, dining, and groceries |
Blue Cash Everyday® Card from American Express | $0 | No Annual Fee Alternative for Everyday Spending | Good to Excellent (690-850) | 3% cashback at U.S. supermarkets, U.S. online retail, and gas stations |
Credit One Bank Platinum X5 Visa | $95 | Earning High Cashback in Multiple Categories | Good to Excellent (690-850) | 5% cashback on gas, groceries, internet, TV, and mobile services |
Petal® 2 Visa® Credit Card | $0 | No Fees and Fair Credit | Fair to Good (630-850) | 1%-1.5% cashback on all purchases, 2%-10% at select merchants |
Bank of America Customized Cash Rewards Secured | $0 | Building or Rebuilding Credit | Poor to Fair (300-689) | 3% cashback on category of choice, 2% at grocery stores and wholesale clubs |
Discover it® Cash Back | $0 | Rotating Cashback Categories | Good to Excellent (690-850) | 5% cashback on rotating categories (up to quarterly max) |
1. Blue Cash Preferred® Card from American Express - the Best Credit Card for Zero Annual Fee
Why we like it:
- The Blue Cash Preferred® Card from American Express is a standout choice for families and individuals looking to maximize their cash back rewards. With an impressive 6% cash back at U.S. supermarkets, 6% back on select U.S. streaming subscriptions, and substantial rewards on gas stations and transit, it offers a versatile range of benefits.
- The $250 statement credit welcome offer and a 0% intro APR for 12 months on purchases and balance transfers make it a compelling option. While the annual fee comes into play after the first year, the high rewards rates more than compensate for it, especially for those with significant household expenses.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Blue Cash Preferred® Card from American Express is a standout choice for families and individuals looking to maximize their cash back rewards. With an impressive 6% cash back at U.S. supermarkets, 6% back on select U.S. streaming subscriptions, and substantial rewards on gas stations and transit, it offers a versatile range of benefits.
- The $250 statement credit welcome offer and a 0% intro APR for 12 months on purchases and balance transfers make it a compelling option. While the annual fee comes into play after the first year, the high rewards rates more than compensate for it, especially for those with significant household expenses.
- Take advantage of the Buy Now, Pay Later feature with $0 intro plan fees for the first 12 months.
- Low intro APR of 0% on purchases and balance transfers for 12 months, followed by a variable APR of 19.24% - 29.99%.
- Additional perks include statement credits for Equinox+ membership and the Disney Bundle subscription.
American Express’ Blue Cash Preferred® Card is the best credit card for groceries as it offers a massive 6% cashback at U.S. supermarkets. Also, it provides a cashback at transits (3% cashback) and various other everyday purchases. When you spend up to $6,000 every year, you will get this cashback on U.S. streaming subscriptions (6% cashback); simply Awesome!
Another best credit card for gas and groceries is Amex Blue Cash Preferred®. Also, cardholders benefit from earning 3% cashback at U.S. gas stations; during the checkout time, every other purchase grants 1% cashback.
Furthermore, Blue Cash Preferred® even offers you an initial bonus of $300 as the statement credit for spending no less than $3,000 within 6 months of opening your account. And probably, that’s more than you expect for covering the annual fee of card mounting to $95 for a few years (waiving off the first year).
For instance, the card costs you $95 annually, but if you monthly buy 500 groceries, then you would save around 360 – 95 = 265/year.
In all, the American Express Blue Cash Preferred® Card is an excellent way for saving huge on everyday expenses, including two of the most significant expenditures, gas, and groceries. And if you have excellent or good credit, you must have quite a good chance of having the approval.
Rewards Details:
- Introductory APR – On purchases for one year or 12 months, there will be 0% intro APR from the account opening date. Further, there will be a variable APR, ranging between 13.99% – 23.99%.
- Annual Fee – For the first year, the annual fee is $0. And after that, the fee is $95 annually. In addition to this, the foreign transaction fee is 2.7%.
- Pay Later Plan – $0 Buy Now, Pay Later Plan —of American Express’ Blue Cash Preferred® Card— is the card fees on plans created during the first 12 months after opening the account. Further, the Plans created after 12 months will have a plan fee of nearly 1.33% on every purchase.
- Redeeming Rewards – You can redeem for statement credits that start at $25 in the reward dollars. Or, you can redeem for various other rewards like merchandise and gift cards via Amex’s rewards portal.
Note: You can receive cashback in the form of Reward Dollars which you can redeem as a statement credit.
Pros
- Phenomenal cashback rewards on select U.S. streaming services and at U.S. supermarkets;
- Bonus offer for new cardholders
- 0% introductory APR on every purchase
Cons
- 2.7% fee on foreign transactions
- The annual fee is $95, whereas several other credit cards in this category charge nothing.
- American Express is not as popular as Mastercard or Visa.
- Get cashback rewards on groceries with a limit, and some chains don’t have this offer
See Charges and Fee of Blue Cash Preferred® Card From American Express
2. card_name
Amazon.com:
- Earn unlimited 3% back on Amazon.com purchases or 5% back with an eligible Prime membership*.
Amazon Fresh:
- Earn unlimited 3% back at Amazon Fresh online or in-store or 5% back with an eligible Prime membership*
Whole Foods Market:
- Earn unlimited 3% back online or in-store at Whole Foods Market or 5% back with an eligible Prime membership*.
Chase Travel:
- Earn unlimited 3% back on Chase Travel purchases or 5% back with an eligible Prime membership*.
Gas Stations:
- Earn unlimited 2% back at gas stations*.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Cash Back:
- 3% cash back at U.S. supermarkets (up to $6,000/year, then 1%).
- 3% cash back on U.S. online retail purchases (up to $6,000/year, then 1%).
- 3% cash back at U.S. gas stations (up to $6,000/year, then 1%).
- 1% cash back on other purchases (redeemable as Reward Dollars).
Welcome Offer:
- Earn a $200 statement credit after spending $2,000 on purchases within the first 6 months.
No rotating categories or sign-ups needed; no cash back expiry or earning limits
Amazon owns Whole Foods other than just groceries. Also, it has a credit card named Amazon.com Visa Signature Card that handsomely rewards cardholders when you shop through it.
The Amazon Prime Rewards Visa Signature Card is the best credit card for Amazon Prime members who primarily shop via Amazon Prime Pantry, Whole Foods Market, or Amazon Fresh.
You can earn 5% cashback on all Amazon-ecosystem purchases, including non-perishable and perishable groceries.
Card’s standard offer is – 3 points on every dollar spent on Whole Foods and Amazon.com purchases, equal to 3 percent back. On the other hand, Prime members receive five points/$1 for 5 percent back.
Likewise, Amazon Prime members also get a $150 gift card from Amazon.com after getting approval for a credit card account, while everyone else grabs $75.
Moreover, all cardholders benefit from earning two points/$1 at restaurants, drugstores, and gas stations; also, you receive one point/$1 on the rest of the things. You can use this card wherever Visa is accepted, and it even doesn’t charge an annual fee, just fab!
All in all, it is another best credit card for gas and groceries.
Rewards Details:
- Introductory APR – The intro APR is 0.
- Annual Fee – For the card itself, the annual fee is also 0. However, cardholders should be Amazon Prime members who can earn 5% cashback on the Whole Foods Purchase website and Amazon.com. The yearly amount of Prime membership is $119. Last but not least, there’s no foreign transaction fee.
- Redeeming Rewards – You can redeem for accumulated cashback in the preferred amount for deposit statement credits to your linked bank accounts. Also, you can connect it to credits against Amazon purchases during checkout.
- Perks – You can get benefit with travel insurance perks enveloping baggage delay insurance, travel accident insurance, and lost luggage reimbursement.
Additional Info:
- You can get unlimited 5% cashback on eligible purchases at Amazon.com and Whole Foods Market locations.
- Earn 2% unlimited cashback on purchases you make at drugstores, gas stations, and restaurants. Also, you can earn 1% unlimited cashback on every other eligible purchase.
- Get a $100 Amazon gift card with a sign-up bonus after approval. Remember, exclusions apply, and carefully see the terms and conditions and get more details.
Pros
- No annual fee
- You will find flexible rewards redemption
- 0% foreign transaction fees
- Bonus offer for new cardholdersHigh rewards rate
Cons
- Mandatory to be a customer or member
- No 0% intro APR
See Charges and Fee of Amazon Prime Rewards Visa Signature Card
3. Citi Custom Cash® Card - Best Credit card for Customized Rewards
Why we like it:
- The Citi Custom Cash® Card wins our favor for its seamless approach to cash-back rewards. Unlike its competitors, this card doesn't require quarterly activation of bonus categories; instead, it adapts to your spending habits automatically.
- This hands-free approach allows you to effortlessly maximize your rewards. The card also boasts a generous welcome offer of $200 cash back after an initial spend of $1,500 within the first 6 months, providing an excellent head start on rewards.
- With a broad range of bonus categories, a long introductory interest-free period, and no annual fee, the Citi Custom Cash® Card stands as an exceptional choice for cash-back enthusiasts.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Citi Custom Cash® Card wins our favor for its seamless approach to cash-back rewards. Unlike its competitors, this card doesn't require quarterly activation of bonus categories; instead, it adapts to your spending habits automatically.
- This hands-free approach allows you to effortlessly maximize your rewards. The card also boasts a generous welcome offer of $200 cash back after an initial spend of $1,500 within the first 6 months, providing an excellent head start on rewards.
- With a broad range of bonus categories, a long introductory interest-free period, and no annual fee, the Citi Custom Cash® Card stands as an exceptional choice for cash-back enthusiasts.
- No annual fee, providing a cost-effective way to earn competitive cash back rewards effortlessly.
- Automatic 5% cash back on top spending category each billing cycle, up to $500, and 1% thereafter, without the hassle of category activation.
- Tailored rewards to suit diverse spending patterns, including popular categories like dining, groceries, travel, streaming services, and more.
- Seamless integration with other Citi cards that earn ThankYou points, allowing for easy consolidation and redemption options.
Why is the Citi Custom Cash® Card one of the best credit cards for groceries? Well, it offers you 5% cashback in your top spending category in each billing cycle; (up to $500 spent; 1% back thereafter);
Also, you get 1% cashback on all other purchases. The card even comes with a $0 annual fee; however, new cardholders get an initial bonus of $200 in the first three months for spending $750. What more do you want?
Rewards Details:
- Introductory APR – There’s 0% Intro APR on balance transfers and purchases for 15 months. After this, the variable APR will be between 19.24% – 29.24%, depending on your creditworthiness. Remember that you should complete Balance Transfers within four months from the date of account opening.
- Annual Fee – You enjoy 0 yearly fees.
- The Balance Transfer Fee is either 5% or $5 of every credit card balance transfer. (whichever amount is greater)*
- In the first three months of account opening, you can earn cashback of $200 after you spend $750 on other purchases. Such a bonus is completed as 20,000 ThankYou® Points that you can redeem for $200 cashback.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- Redeeming Rewards – You can cash out your points for cashback as check, direct deposit, or a statement credit.
- Other Perks – There are several ways to redeem points, including shop, travel, gift cards with Points at Amazon.com.
Additional Info
- Only Citi will issue one Citi Custom Cash® Card account/person
Pros
- No annual fee
- Intro APR Period
- 5% bonus categories
Cons
- Requires good or excellent credit score
- There are low rates outside bonus categories
See Charges and Fee of Citi Custom Cash® Card
4. card_name - Best Card For All the Foodies!
Why we like it:
- The Capital One SavorOne Student Cash Rewards Credit Card is a standout choice for those who relish dining out, entertainment, and streaming services.
- Offering an impressive 3% cash back in these categories, it's a lucrative option for individuals with varied interests. The card's $200 cash bonus after a $500 spend in the initial 3 months is an attractive perk.
- With a 0% intro APR for 15 months on purchases and balance transfers, it provides a comfortable financial cushion. Additionally, the absence of annual and foreign transaction fees makes it a cost-effective choice. Overall, the Capital One SavorOne Student Cash Rewards Credit Card caters to those who value rewarding experiences.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Capital One SavorOne Student Cash Rewards Credit Card is a standout choice for those who relish dining out, entertainment, and streaming services.
- Offering an impressive 3% cash back in these categories, it's a lucrative option for individuals with varied interests. The card's $200 cash bonus after a $500 spend in the initial 3 months is an attractive perk.
- With a 0% intro APR for 15 months on purchases and balance transfers, it provides a comfortable financial cushion. Additionally, the absence of annual and foreign transaction fees makes it a cost-effective choice. Overall, the Capital One SavorOne Student Cash Rewards Credit Card caters to those who value rewarding experiences.
- Rewards don't expire for the life of the account, and you can redeem cash back for any amount.
- Earn 10% cash back on purchases made through Uber and Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.
- Enjoy 8% cash back on Capital One Entertainment purchases with exclusive access and cardholder perks.
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
The Capital One SavorOne Student credit card helps you earn 3% cashback on all supermarket purchases with no annual fee. It’s an excellent choice for people who loves to eat out or within the comfort of their home kitchen.
Rewards Details:
- Introductory APR – It’s 0% on balance transfers and purchases from the account opening date for the first 15 months. Further, the regular variable APR is between 14.99% to 24.99%.
- Annual Fee – There’s no foreign transaction and yearly fee.
- Welcome/Early Spend Bonus – You can earn a $200 bonus price in the form of cash after you spend $500 on purchases from the account opening date within three months.
- Earning Rewards – You can earn unlimited 3% cash back on every eligible grocery store purchase, except the purchase you make at superstores, including Target and Walmart. Also, it includes buying entertainment, dining, and qualifying streaming services. You can even earn 1% unlimited cash back on every other eligible purchase.
- Redeeming Rewards – You can redeem for bank account deposits or statement credits in any amount of your choice.
- Other Perks – You can enjoy the best money-saving perks like 24/7 travel assistance services. Also, there are possible savings on purchases via Capital One Shopping along with Paribus; you will find extended warranties on select purchased items. Additionally, the SavorOne card comes in Mastercard and Visa varieties. Also, the feature availability may vary according to the product.
Pros
- Intro APR period
- No annual fee
- 0% foreign transaction fees
- Bonus categories are there.
Cons
- Requires good or excellent credit
See Charges and Fee of Capital One SavorOne Student Credit Card
5. Target RedCard™ Credit Card - Best Grocery Store Credit Card For Fair Credit
Save at Target:
- Save 5% every day at Target and Target.com
- RedCard Exclusives including special items and offers
Online Shopping Benefits:
- Free 2-day shipping on hundreds of thousands of items at Target.com
- More return time — get an additional 30 days for returns and exchanges
Rewards on Spending:
- Earn 2% on dining and gas purchases
- Earn 1% on all other purchases outside of Target (Target Mastercard exclusive)
Annual Fees
$0
Regular APR
27.90% Variable
Credit Required
Good -Excellent (670-850)
Annual Fees
$0
Regular APR
27.90% Variable
Credit Required
Good -Excellent (670-850)
Save at Target:
- Save 5% every day at Target and Target.com
- RedCard Exclusives including special items and offers
Online Shopping Benefits:
- Free 2-day shipping on hundreds of thousands of items at Target.com
- More return time — get an additional 30 days for returns and exchanges
Rewards on Spending:
- Earn 2% on dining and gas purchases
- Earn 1% on all other purchases outside of Target (Target Mastercard exclusive)
Target RedCard™ Credit card is best for “One-Stop Shoppers.” You can save a lot of money by using this card for groceries, and the card offers you a 5% discount on most in-store purchases, including groceries. The deal is even applicable to deliveries, pickups, and online orders.
For loyal Target shoppers, this card offers generous discounts.
Rewards Details:
- Introductory APR – It’s 0%, and the Regular APR variable is 22.90%.
- Annual Fee – It’s $0. You can make more than $40 with your new card.
- Bonus Offer – You get a $40 discount on future qualifying purchases above $40 when they approve you for a debit or credit RedCard.
- Foreign Transaction Fee – There is 0 foreign transaction fee.
- Other Perks – Get free two-day shipping on hundreds and thousands of items. Be aware of some of the market exclusions. Also, there’s a 10% discount awarded on every cardholder anniversary when signing up for the Target Marketing Emails.
Additional Info:
- Will get exclusive extras that include offers and unique items.
- There’s an extended return facility for 30 extra days at Target.com or Target.
- Every day you can save 5% at Target.com and Target.
- You can save up to 5% after using your Target Redcard at places like; Clearance, Target Subscription, any in-store Starbucks location, Speciality gift cards, Drive Up service, Shipt, and Top deals.
- When accessing your Target Credit Card, please check the amount of your credit card account, review past statements, and make a payment.
Pros
- Loyalty rewards for customers
- No annual fee
- Bonus offer for new cardholders
Cons
- Should be a customer or member
- High APR
- Limited redemptions
- You require a good or excellent credit score (i.e., between 700 and 790).
See Charges and Fee of Target REDcard™ Credit Card
6. Bank of America® Customized Cash Rewards - Best Cashback Credit Card for Shopping Categories of your Choice
Why we like it:
- This card stands out for its ability to let you choose your own 3% cash back category, a feature not commonly found in other cards.
- Whether it's gas, online shopping, dining, or one of the other versatile options, you have the flexibility to align rewards with your spending preferences.
- The additional 2% cash back at grocery stores and wholesale clubs, along with 1% on all other purchases, ensures you're earning rewards in various areas of your budget.
- Plus, the $200 online cash rewards bonus for new cardholders is a fantastic perk. With a 0% intro APR for 15 billing cycles, and no annual fee, it's a cost-effective choice for maximizing cash back rewards.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Benefits:
- This card stands out for its ability to let you choose your own 3% cash back category, a feature not commonly found in other cards.
- Whether it's gas, online shopping, dining, or one of the other versatile options, you have the flexibility to align rewards with your spending preferences.
- The additional 2% cash back at grocery stores and wholesale clubs, along with 1% on all other purchases, ensures you're earning rewards in various areas of your budget.
- Plus, the $200 online cash rewards bonus for new cardholders is a fantastic perk. With a 0% intro APR for 15 billing cycles, and no annual fee, it's a cost-effective choice for maximizing cash back rewards.
- Easy Redemption Options for statement credits, direct deposits, or contributions to eligible accounts.
- Contactless Payment Option for added convenience and security.
- Low Balance Transfer Fee of 3% (applies for the first 60 days).
- Wide Range of Eligible Retailers in the online shopping category.
- Access to Bank of America Preferred Rewards for higher rewards rates and other benefits.
- Chip Card Security and Contactless Payment for ease of use.
Undoubtedly, the Bank of America® Customized Cash Rewards is one of the best choices for contenders who split their grocery purchases between a warehouse club- like Costco, Sam’s, or B.J.’s- and a supermarket.
Rewards Details:
- Introductory APR Offer – There’s 0% APR for purchases on your first 15 billing cycles. And it’s also applicable for any balance transfers you make within the first 60 days of the account opening date. Next, when the intro APR offer expires, a regular variable APR applies 13.99% to 23.99%. Additionally, a 3% fee (minimum $10) applies to every balance transfer.
- Annual Fee – There’s no annual fee.
- Welcome Bonus Offer – You will get an online rewards bonus of $200 after making at least $1,000 on your purchases from the date of account opening within 90 days.
- Redeeming Rewards – You will get 3% cashback on all eligible categories of your choice. Also, earn 2% cashback at wholesale clubs and grocery stores; and the combined cashback amounts up to $2,500, including wholesale club and grocery store quarterly purchases. Next, earn 1% unlimited cashback on every other purchase.
- Other Perks – With the preferred rewards program of Bank of America, you can increase your earning rates by 75% by having a great lump of cash in all the eligible accounts.
- Drawback – Other cards may offer you a better return for your shopping without the preferred rewards program of the Bank of America.
Pros
- Intro APR period
- No annual fee
- Bonus offer for new cardholders
- Excellent relationship rewards for members
- Rotating bonus categories
Cons
- Requires good or excellent credit score (690-850)
- Intricate rewards
- Specific expenditure caps on bonus rewards
- Top-notch rewards restricted to particular customers
See Charges and Fee of Bank of America® Customized Cash Rewards Credit Card
7. Citi Premier® Card - Most Lucrative Set of Bonus Categories You'll See Offered on Any Card
Rewards:
- Earn 3 ThankYou® Points per $1 at Gas Stations, Air Travel, and Other Hotels.
- Earn 3 ThankYou® Points per $1 at Restaurants and Supermarkets.
- Earn 1 ThankYou® Point per $1 on all other purchases.
Annual Hotel Savings Benefit:
- Unlock significant savings through a range of hotel bookings. Redemption: 60,000 ThankYou® Points are worth $600 in gift cards or travel rewards at thankyou.com.
Additional Features:
- No point expiration, limitless earning potential, and no foreign transaction fees.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Rewards:
- Earn 3 ThankYou® Points per $1 at Gas Stations, Air Travel, and Other Hotels.
- Earn 3 ThankYou® Points per $1 at Restaurants and Supermarkets.
- Earn 1 ThankYou® Point per $1 on all other purchases.
Annual Hotel Savings Benefit:
- Unlock significant savings through a range of hotel bookings. Redemption: 60,000 ThankYou® Points are worth $600 in gift cards or travel rewards at thankyou.com.
Additional Features:
- No point expiration, limitless earning potential, and no foreign transaction fees.
No rotating categories or sign-ups needed; no cash back expiry or earning limits
The Citi Premier® Card accrues bonus points at supermarkets, gas stations, and dining at restaurants. The card has the best deal for those who travel internationally frequently. It’s one of the best credit card for gas and groceries of 2024.
Rewards Details:
- Introductory APR – There’s 0% intro APR, and then the regular variable APR is 15.99%-23.99%.
- Annual fee – $95
- Welcome/Sign up Bonus – You will get 80,000 points after you spend $4,000 on purchases within the first three months of the opening date of your account.
- Redeeming Rewards – Earn three points on every dollar spent at air travel, gas stations, supermarkets, hotels, and restaurants. Also, earn one point on every dollar spent on every other eligible purchase.
- Other Perks – The Citi Premier card helps you earn Citi ThankYou Points – You can redeem these flexible points currency for various awards or transfer to airline partners. Like many programs, you can also pool the earned points by the ThankYou Points.
Pros
- Rewards don’t expire
- Bonus categories
Cons
- You require a good/excellent credit score (690-850).
- Has annual fee
See Charges and Fee of The Citi Premier® Credit Card
8. Blue Cash Everyday® Card from American Express - Highest Cashback Credit Card with No Annual Fees
Why we like it:
- The Blue Cash Everyday® Card from American Express is a standout choice for those who prioritize everyday expenses like groceries, gas, and online shopping.
- With a lucrative 3% cash back in these categories (up to $6,000 per year) and a compelling $200 statement credit after spending $2,000 in the first 6 months, this card offers great rewards without an annual fee.
- The 0% intro APR for 15 months on purchases and balance transfers is an added bonus, providing flexibility for financing needs.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Blue Cash Everyday® Card from American Express is a standout choice for those who prioritize everyday expenses like groceries, gas, and online shopping.
- With a lucrative 3% cash back in these categories (up to $6,000 per year) and a compelling $200 statement credit after spending $2,000 in the first 6 months, this card offers great rewards without an annual fee.
- The 0% intro APR for 15 months on purchases and balance transfers is an added bonus, providing flexibility for financing needs.
- Receive a $7 monthly statement credit after using your Blue Cash Everyday Card for eligible subscriptions to The Disney Bundle.
- Flexible redemption options for statement credit, ATM withdrawal, direct deposit, or mailed check.
- Additional perks include a $180 credit for Home Chef and access to American Express benefits
Suppose the idea of paying an annual fee is something you can’t digest. A massive portion of your household budget caters to piling up your fridge, filling your family’s closets, or filling gas at the pumps. In that case, the Blue Cash Everyday® Card from American Express is worthwhile for you.
Rewards Details:
- Intro APR & Plan It Fees – There’s o% intro APR purchases from the date of account opening within 15 months. The regular variable APR is 13.99% to 23.99%.
- Annual fee: $0
- Welcome Bonus Offer – You can earn $200 via statement credit after you spend $2,000 on purchases that are done within the first six months of your card’s membership.
- Redeeming Rewards – You can earn 3% cashback at the U.S. supermarkets on purchases up to $6,000 annually. Then, 2% cashback at the gas stations in the U.S. and selective U.S. department stores and 1% cashback on various other purchases.
- You can receive cashback in Rewards Dollars’ form to quickly redeem for statement credits.
- Other Perks – If you purchase items above $61 in a week on groceries and other supermarket goods, Blue Cash EveryDay’s sibling —Blue Cash Preferred® Card from American Express—- will get you more cashback, despite the annual fee.
Pros
- No annual fee
- Introductory APR offer on all eligible purchases
- There’s an above-average earning at U.S. supermarkets, select department stores, and gas stations.
Cons
- Redeeming rewards start at a minimum of $25
- The extra earnings have a cap at $6,000 in annual spending at U.S. supermarkets.
- The rewards you earn outside the bonus categories are merely 1% cashback.
See Charges and Fee of Blue Cash Everyday® Card from American Express
9. Credit One Bank Platinum X5 Visa
Rewards Details:
- Earn 5% cashback on the first $5,000 spent on gas, groceries, and internet, cable, satellite TV, and mobile phone services annually.
- 1% cashback on all other purchases with no caps or limits.
- Free online access to your Experian credit score.
Annual Fees
$95
Regular APR
28.24% (Variable)
Redeeming Rewards
Starts at $25
Annual Fees
$95
Regular APR
28.24% (Variable)
Redeeming Rewards
Starts at $25
Rewards Details:
- Earn 5% cashback on the first $5,000 spent on gas, groceries, and internet, cable, satellite TV, and mobile phone services annually.
- 1% cashback on all other purchases with no caps or limits.
- Free online access to your Experian credit score.
The Credit One Bank Platinum X5 Visa is best for people who want to get the most cashback on important purchases like food, gas, and internet service. You can get 5% cashback on orders that qualify, up to $5,000 per year. This is great for people who shop at these stores often. You will still get 1% cashback on all other orders after the annual cap is met. You can get points on the things you buy every day with this card.
People who can pay their bills in full every month probably shouldn’t get this card, even though it has great benefits. The annual fee and APR are pretty high. This card gives you cash back and keeps you safe from scams. You can also get your Experian credit score for free, which can help you keep an eye on your credit over time.
Pros:
- Excellent cashback rate on everyday categories.
- Easy-to-redeem rewards starting at $25.
Cons:
- High APR compared to other cashback cards.
- $95 annual fee may not be suitable for occasional users.
10. Petal 2 Visa Credit Card
Rewards Details:
- 1% cashback on all purchases, increasing to 1.5% after 12 months of on-time payments.
- No fees - no annual fee, late fees, or foreign transaction fees.
- Credit score monitoring and tracking through the Petal app.
Annual Fees
$0
Regular APR
17.74% – 31.74% (Variable)
Redeeming Rewards
Starts at $5
Annual Fees
$0
Regular APR
17.74% – 31.74% (Variable)
Redeeming Rewards
Starts at $5
Rewards Details:
- 1% cashback on all purchases, increasing to 1.5% after 12 months of on-time payments.
- No fees - no annual fee, late fees, or foreign transaction fees.
- Credit score monitoring and tracking through the Petal app.
Getting the Petal 2 Visa Credit Card is one of the best approaches to establish credit without finding yourself caught in costs. Unlike other cards for those with little or no credit history, this one leaps out as it does not call for a security deposit. Every purchase can result in up to 1.5% cashback. The first 1% cashback matches the 1.5% you get following 12 months of on-time payments. Using the card comes with no fees either—no annual charge, no penalties for using it overseas, and even no fines for late payment. This makes usage of it really simple.
Using both conventional credit scores and innovative technology, the Petal 2 Card verifies your dependability More people can thereby apply for it, including those without a background of strong credit. Additionally right on the Petal app—where you can monitor your spending and awards—you can view your credit score.
Pros:
- No fees whatsoever, making it an affordable option.
- Ideal for those building or rebuilding credit with cashback rewards.
Cons:
- High APR for those who carry a balance.
- No bonus categories or higher rewards rates.
11. Bank of America® Customized Cash Rewards Secured Credit Card
Rewards Details:
- 3% cashback on a category of your choice (gas, online shopping, dining, etc.).
- 2% cashback at grocery stores and wholesale clubs (up to $2,500 in combined purchases per quarter).
- 1% cashback on all other purchases.
- Requires a minimum security deposit, refundable after responsible use.
Annual Fees
$0
Regular APR
27.74% (Variable)
Redeeming Rewards
Starts at $25
Annual Fees
$0
Regular APR
27.74% (Variable)
Redeeming Rewards
Starts at $25
Rewards Details:
- 3% cashback on a category of your choice (gas, online shopping, dining, etc.).
- 2% cashback at grocery stores and wholesale clubs (up to $2,500 in combined purchases per quarter).
- 1% cashback on all other purchases.
- Requires a minimum security deposit, refundable after responsible use.
Looking to increase or strengthen their credit while getting cashback benefits, consumers can find great use for the Bank of America® Customized Cash benefits Secured Credit Card. Two percent cashback in grocery stores and wholesale clubs, one percent on all other transactions, and three percent cashback in a category of your choosing—such as gas, online shopping, dining, or travel—all guaranteed by this secured credit card. Although secured cards usually call for a security deposit, this one stands out since it provides cashback benefits—which is unique for credit cards.
After proving good use, you also have the chance to graduate with an unsecured card. There is no annual fee on this card; instead, Bank of America’s online features let you see your credit score, therefore indicating your development. For people trying to improve credit and want incentives on regular purchases, this is a perfect choice.
Pros:
- Customizable cashback categories for more flexibility.
- No annual fee and the chance to graduate to an unsecured card.
Cons:
- Requires a security deposit.
- Limited cashback earnings for 3% and 2% categories.
12. Discover it® Cash Back
Rewards Details:
- 5% cashback on rotating categories (up to $1,500 in purchases per quarter, activation required).
- 1% unlimited cashback on all other purchases.
- First-year Cashback Match, where Discover matches all the cashback you earn at the end of your first year.
Annual Fees
Regular APR
Redeeming Rewards
No minimum required
Annual Fees
Regular APR
Redeeming Rewards
No minimum required
Rewards Details:
- 5% cashback on rotating categories (up to $1,500 in purchases per quarter, activation required).
- 1% unlimited cashback on all other purchases.
- First-year Cashback Match, where Discover matches all the cashback you earn at the end of your first year.
Pros:
- First-year Cashback Match can double your rewards.
- No annual fee and no minimum rewards redemption.
Cons:
- Rotating categories may not always match your spending habits.
- The 5% cashback is limited to $1,500 per quarter.
Methodology For Selecting The Best Credit Cards For Gas and Groceries
- Focused on cards with the best cashback or benefits for gas and grocery purchases, cashback rates.
- Low or free yearly fees for prioritized cards will guarantee more value for regular consumers.
- Considered as introduction incentives and promotional offers boosting the value of the card, are bonus offers.
- Assessed regular APRs as well as any 0% APR starting offers for balance transfers or acquisitions.
- Evaluated the simplicity and flexibility of redeeming rewards—including gift cards, statement credits, and cashback.
- Look for cards with higher rewards in rotating or customizable categories for best savings.
- Additional perks included shopping protections, fuel reductions, and remission of international transaction fees.
- Included cards generally recognized at gas stations and supermarket stores both within and outside of the United States.
- Selected cards that let users easily monitor and handle rewards via mobile apps or web portals show user flexibility.
- Strong fraud protection, buy warnings, and other safety precautions were looked at on cards.
Pad Up Your Savings By Choosing The Best Credit Card For Gas and Groceries For You!
The big-time question is how you can make the most out of your gas and grocery credit card, right? Well, it’s something that you need to find out by knowing what kind of a shopper or how you fill up your tank and then drawing a conclusion on the credit card that best fits the bill.
Further, ensure that you have that card every time you are up for grocery shopping or filling up your tank. You can earn rewards or sign-up bonuses that could eventually help you pay up for your gas and never-ending grocery bills.
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FAQs
Typically one with high cashback rates in these categories is the best credit card for groceries and fuel. With payback rates of up to 6% on some U.S. stores and 5% on gas, cards like the Credit One Bank Platinum X5 Visa and the Blue Cash Preferred® from American Express give outstanding benefits on groceries and gas.
Indeed, if you choose a credit card that provides cashback or benefits in these areas, using one for groceries and gas can be quite helpful. Solid cashback benefits on such daily expenses from cards such as the Discover it® Cash Back and Bank of America® Customized Cash benefits Secured Credit Card help you save money.
Given their up to 5% cashback on petrol purchases, the Bank of America® Customized Cash Rewards card and the Credit One Bank Platinum X5 Visa are great choices for gas. The Bank of America card allows you to choose gas as your main category, therefore customizing your benefits.
Along with other daily categories including groceries and internet services, the Credit One Bank Platinum X5 Visa is a good pick for earning 5% cashback on gas purchases. The Discover it® Cash Back card also provides 5% cashback on gas within rotating quarterly categories (activation required).
