Best credit cards for gas and groceries in the U.S.!

In today’s economy, finding ways to save on everyday expenses like gas and groceries is more important than ever. With the right credit card, you can earn cashback, points, or rewards that make a real difference in your budget.

Whether you’re a commuter who spends a lot on fuel or someone looking to maximize grocery purchases, choosing the best credit card for these categories can help you save hundreds of dollars per year. With so many options available, it can be overwhelming to determine which credit card offers the best benefits for gas and grocery purchases.

Some cards offer high cashback rates, while others provide extra perks like discounts at specific retailers, sign-up bonuses, or no annual fees. This guide will help you navigate the best credit card options available in the U.S. and determine which one suits your lifestyle and spending habits.

What to consider when choosing a credit card for gas and groceries

Before diving into the top credit cards, it’s important to understand what makes a great card for gas and grocery spending. There are several factors to consider when choosing the right card, including:

Reward rates: Some credit cards offer high cashback percentages on gas and groceries, while others provide points that can be redeemed for travel, merchandise, or statement credits.
Annual fees: Some of the best rewards cards come with annual fees, but they may be worth it if the rewards outweigh the cost.
Sign-up bonuses: Many credit cards offer introductory bonuses that can add significant value, often requiring a minimum spending amount in the first few months.
Redemption options: Look for a card that provides flexible redemption options, such as cashback, travel rewards, or gift cards.
Spending caps and rotating categories: Some cards have spending limits on rewards or change their bonus categories throughout the year. Be sure to choose one that aligns with your spending patterns.

By considering these factors, you can choose a card that maximizes your savings on everyday essentials.

Best credit cards for gas and grocery purchases

best cashback credit cards for gas and groceries

If you’re looking for straightforward cashback rewards, these credit cards offer some of the best returns on gas and grocery spending:

Blue Cash Preferred® Card from American Express
- Rewards: 6% cashback on U.S. supermarkets (up to $6,000 per year), 3% on U.S. gas stations, and 1% on all other purchases.
- Annual Fee: $95
- Why it’s great: This card is ideal for families who spend a lot on groceries and gas, providing excellent cashback rates.
Citi Custom Cash℠ Card
- Rewards: 5% cashback on your highest eligible spending category each billing cycle (up to $500), including gas or groceries.
- Annual Fee: $0
- Why it’s great: It automatically adjusts to your highest spending category, making it a flexible option for those who spend variably.
Chase Freedom Flex℠
- Rewards: 5% cashback on rotating categories (which often include gas and groceries), 3% on dining and drugstores, and 1% on all other purchases.
- Annual Fee: $0
- Why it’s great: With no annual fee and high rotating cashback rates, this card is excellent for those who can adapt their spending to the current bonus categories.
Discover it® Cash Back
- Rewards: 5% cashback on quarterly rotating categories (often gas and groceries), 1% on all other purchases.
- Annual Fee: $0
- Why it’s great: Discover matches all cashback earned in the first year, making this card extremely valuable for new cardholders.

Best rewards credit cards for gas and groceries

If you prefer earning travel points or flexible rewards instead of cashback, these credit cards offer excellent value:

American Express® Gold Card
- Rewards: 4x Membership Rewards® points at U.S. supermarkets (up to $25,000 per year), 3x on gas and restaurants.
- Annual Fee: $250
- Why it’s great: The high rewards rate makes it ideal for those who want to redeem points for travel, gift cards, or statement credits.
Chase Sapphire Preferred® Card
- Rewards: 3x points on groceries and dining, 2x on travel, and 1x on all other purchases.
- Annual Fee: $95
- Why it’s great: The Ultimate Rewards program allows for valuable redemptions, including travel transfers to airline and hotel partners.
Wells Fargo Autograph℠ Card
- Rewards: 3x points on gas, groceries, dining, and travel, 1x on all other purchases.
- Annual Fee: $0
- Why it’s great: No annual fee and solid rewards on multiple spending categories make it a great all-around option.

Best gas station credit cards

Some gas station-branded credit cards provide exclusive discounts and rewards for loyal customers. If you frequently fill up at a specific brand, consider these options:

BPme Rewards Visa®: Earn 10¢ off per gallon at BP and Amoco stations, plus 3% cashback on grocery purchases.
Shell Fuel Rewards® Mastercard®: Save 10¢ per gallon on Shell fuel and earn 2% cashback on groceries.
Costco Anywhere Visa® Card by Citi: Earn 4% cashback on gas purchases worldwide (up to $7,000 annually) and 2% on Costco groceries.

How to maximize your rewards on gas and groceries

To get the most out of your credit card, follow these strategies:

Use the right card for each purchase: If you have multiple credit cards, use the one that gives the highest cashback or rewards for gas and grocery purchases.
Plan around rotating categories: If your card has quarterly bonus categories, adjust your spending habits to maximize rewards during those periods.
Combine with store rewards programs: Many grocery stores and gas stations have their own rewards programs that can stack with credit card benefits.
Monitor spending caps: Some cards have annual or quarterly limits on bonus cashback, so be aware of your spending to maximize your earnings.

Conclusion

Choosing the best credit card for gas and groceries depends on your spending habits, preferred rewards type, and whether you’re willing to pay an annual fee. If you want simple cashback, the Blue Cash Preferred® Card from American Express or Citi Custom Cash℠ Card are excellent choices.

For those who travel frequently, the American Express® Gold Card or Chase Sapphire Preferred® Card provide great rewards flexibility. By selecting the right credit card and using it strategically, you can save money on your everyday purchases and earn valuable rewards that fit your lifestyle