Review
Updated
Fact Checked
Nathan Alderman
Credit cards for gas and groceries are a great way to get more cash back in two popular categories. This type of credit card is best for consumers who spend a lot in these areas as it could provide a lot of value.
The best gas and grocery credit cards have rewards rates of at least 2% to 3% in those spending categories, and there are even cards offering up to 5% or 6% back. Whether you're looking for a no annual fee card, a big welcome bonus, or a 0% intro APR, you can find a credit card for gas and groceries that fit the bill.
Best gas and groceries credit cards
- Best for U.S gas stations & U.S. supermarkets: Blue Cash Preferred® Card from American Express
- Best for no annual fee: Blue Cash Everyday® Card from American Express
- Best for bonus cash back: Discover it® Cash Back
- Best for gas cash back and intro bonus: Bank of America® Customized Cash Rewards credit card
- Best for bonus cash back: Citi Custom Cash® Card
- Best for U.S. supermarkets: American Express® Gold Card
- Best for travel rewards: Citi Premier® Card
- Best for Whole Foods and Amazon Prime Shoppers: Prime Visa
- Best for Costco shoppers wanting gas and restaurants rewards: Costco Anywhere Visa® Card by Citi
- Best for restaurants: Capital One SavorOne Cash Rewards Credit Card
- Best for no annual fee travel card: U.S. Bank Altitude® Connect Visa Signature® Card
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website.
Terms apply
2023 Award Winner
Blue Cash Preferred® Card from American Express
Great for: Best for U.S gas stations & U.S. supermarkets
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website.
Terms apply
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website.
Terms apply
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months
Regular APR
19.24%-29.99% Variable
Rewards 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
1% - 6% cash back
Annual Fee
$0 intro annual fee for the first year, then $95.
Welcome Offer Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
-
The U.S. supermarkets and U.S. gas stations rewards are clear standouts, in addition to a big welcome offer and a nice 0% intro APR offer. Read Full Review
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- Big welcome offer
- U.S. supermarkets rewards
- U.S. gas stations rewards
- Streaming subscription rewards
- Travel and purchase protections
- Annual fee
- Foreign transaction fee
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- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
- Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
- Terms Apply.
Blue Cash Everyday® Card from American Express
Great for: Best for no annual fee
Apply Now for Blue Cash Everyday® Card from American Express
On American Express' Secure Website.
Terms apply
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Blue Cash Everyday® Card from American Express
On American Express' Secure Website.
Terms apply
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
19.24%-29.99% Variable
Rewards 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1% - 3% cash back
Annual Fee
$0
Welcome Offer Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
-
One of the highest rewards-earning U.S. gas and U.S. supermarkets cards we've seen with no annual fee. The lucrative welcome offer and intro APR round out a diverse feature set. Read Full Review
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- U.S. supermarkets and online retail rewards
- U.S. gas stations cash back
- Big welcome offer
- No annual fee (see rates and fees)
- Foreign transaction fee
- High spend requirement for welcome offer
-
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Great for: Best for bonus cash back
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
17.24% - 28.24% Variable APR
Rewards Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
1% - 5% Cashback
Annual Fee
$0
Welcome Offer Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Cashback Match
-
Includes a robust rewards program and rich sign-up bonus offer that has unlimited upside. Somehow this card also packs in a great intro APR offer for no annual fee. Read Full Review
-
- Rotating bonus categories
- Sign-up bonus offer
- Great intro APR offer
- No annual fee
- No foreign transaction fee
- No fixed bonus categories
-
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
Bank of America® Customized Cash Rewards credit card
Great for: Best for gas cash back and intro bonus
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website.
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website.
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee applies to all balance transfers.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.24% - 28.24% (Variable)
Rewards 3% cash back in your choice category, 2% at grocery stores & wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% on all other purchases.
1% - 3% cash back
Annual Fee
$0
Welcome Offer $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200
-
Includes a big welcome offer, a long 0% intro APR, and a flexible cash rewards program that enables you to earn premium rewards in a category of your choice. Read Full Review
-
- Competitive welcome bonus
- Bonus cash back in a category of your choice
- No annual fee
- Great 0% intro & transfer APR offer
- Relationship rewards bonus
- Foreign transaction fee
- Limit on bonus cash back
-
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Great for: Best for bonus cash back
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Fair to Excellent (580-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
19.24% - 29.24% (Variable)
Rewards 5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases
1% - 5% cash back
Annual Fee
$0
Welcome Offer Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
20,000 ThankYou® Points
-
A leading cash-back card that includes a big sign-up bonus, great rewards program, and long 0% intro APR offers, all with no annual fee. Read Full Review
-
- Cash back rewards
- Sign-up bonus
- No annual fee
- 0% intro APR offer
- Bonus cash back limits
- Foreign transaction fee
-
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- 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.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
2023 Award Winner
Great for: Best for U.S. supermarkets
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: n/a
Balance Transfers: n/a
Regular APR
See Pay Over Time APR
Rewards Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® Points on other eligible purchases.
1X - 4X points
Annual Fee
$250
Welcome Offer Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
60,000 Membership Rewards® Points
-
The welcome offer, plus lucrative rewards at restaurants, U.S. supermarkets, and on travel more than justify the annual fee for consumers who spend heavily in these areas. Read Full Review
-
- Impressive welcome offer
- Restaurants rewards
- U.S. supermarket rewards
- Travel and dining credits
- High-value rewards points
- Annual fee
-
- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
Great for: Best for travel rewards
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.24% - 29.24% (Variable)
Rewards 3x points at restaurants, supermarkets, at gas stations, for air travel, and on hotels, 1x points on other purchases
1x - 3x points
Annual Fee
$95
Welcome Offer Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
60,000 ThankYou® Points
-
While it has flown under the radar, this rewards card packs big value with bonus opportunities and flexible travel points. Read Full Review
-
- Big sign-up bonus
- Annual hotel savings offer
- Travel and dining rewards
- Grocery and gas rewards
- Flexible travel rewards points
- Annual fee
- Limited consumer and travel protections
-
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Prime Visa
Great for: Best for Whole Foods and Amazon Prime Shoppers
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49%-27.49%, variable
Rewards Unlimited 5% back at Amazon, AmazonFresh, and Whole Foods; unlimited 5% back on Chase Travel purchases with an eligible Prime membership; 2% back at restaurants, gas stations, local transit, and commuting (including rideshare); and 1% back on other purchases
1% - 5% back
Annual Fee
$0
Welcome Offer Get a $100 (or more) Amazon Gift Card instantly upon approval exclusively for Prime members
Get a $100 (or more) Amazon Gift Card
-
The fact that this card includes no annual fee makes it an easy call for Amazon Prime members. Simply put, the cash back rate is among the highest you'll find for Amazon and Whole Foods purchases.
-
- Big Amazon and Whole Foods rewards
- Instant Amazon gift card
- No annual fee
- Consumer and travel protections
- No 0% intro APR offer
- Requires Prime membership
-
- Get a $100 (or more) Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Earn 2% back at gas stations, restaurants and on local transit and commuting (including rideshare)
- Earn 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
The information related to Prime Visa has been collected by The Ascent and has not been reviewed or provided by the issuer.
Costco Anywhere Visa® Card by Citi
Great for: Best for Costco shoppers wanting gas and restaurants rewards
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Excellent (740-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.49% (Variable)
Rewards 4% back on gas and EV charging ($7,000 annual spending cap), 3% back on restaurants and travel, 2% back on Costco purchases, 1% back on other purchases
1% - 4% back
Annual Fee
$0 for Costco members
Welcome Offer
N/A
-
Hard to beat for Costco shoppers with the lucrative rewards program and no annual fee for members. The cash back rates on gas and EV charging are among the highest you'll find. Read Full Review
-
- Gas and EV charging cash back
- Costco cash back
- Travel and dining cash back
- Purchase protections
- No foreign transaction fee
- No sign-up bonus
- No intro APR offer
- Clunky cash back redemptions
-
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Capital One SavorOne Cash Rewards Credit Card
Great for: Best for restaurants
Apply Now for Capital One SavorOne Cash Rewards Credit Card
On Capital One's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Capital One SavorOne Cash Rewards Credit Card
On Capital One's Secure Website.
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR 0% intro APR on purchases and balance transfers for 15 months
Purchases: 0% intro on purchases for 15 months
Balance Transfers: 0% intro on balance transfers for 15 months
Regular APR
19.99% - 29.99% (Variable)
Rewards Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.
1% - 10% cash back
Annual Fee
$0
Welcome Offer $200 Cash Back after you spend $500 on purchases within 3 months from account opening
$200 Cash Back
-
Dining and grocery spending will earn premium rewards, but that's not the only showstopper. The sign-up bonus, no annual fee, and a 0% intro APR offer can add a ton of value. Read Full Review
-
- Sign-up bonus
- Dining rewards
- Entertainment rewards
- No annual fee
- Great intro APR for purchases
- Balance transfer fee
-
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
U.S. Bank Altitude® Connect Visa Signature® Card
Great for: Best for no annual fee travel card
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.24% - 29.24% (Variable)
Rewards Earn 5x points on prepaid hotels and car rentals booked in the Altitude Rewards Center, 4X points on travel and at gas stations, 2X points at grocery stores, grocery delivery, dining and streaming services, 1x points on other purchases
1x - 5x points
Annual Fee $0 intro for the first year, then $95
$0 intro for the first year, then $95
Welcome Offer 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening
50,000 points
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A quality choice with bonus rewards in a variety of areas, including groceries, dining, and travel. It also has some great extra perks, including an annual streaming credit.
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- Big welcome bonus
- Robust rewards program
- Streaming credit
- Airport lounge access
- Cellphone and travel protections
- Annual fee
- Can't transfer points
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- Intro Offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
- 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
- 4X points on travel, gas stations, and EV charging stations.
- 2X points on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X points at grocery stores, grocery delivery, and dining.
- Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years.
- 1X point on all other eligible purchases.
- Points never expire.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Protection and assistance when traveling with Trip Cancelation/Interruption, Trip Delay Reimbursement and SmartDelay.
- Complimentary Priority Pass™ Select membership that gives access to more than 1,300 VIP lounges worldwide.
- Terms and conditions apply.
What should I look for in a gas and grocery credit card?
Here's what you should look for:
- High rewards rates on gas and groceries. Find the best gas and grocery credit card by seeing which one earns the most back. This is especially true if you spend a considerable amount each month in these areas. In that case, picking the best credit card for gas rewards and groceries can make a huge difference in the amount of rewards you earn.
- Spending caps that work for you. The best credit cards for groceries and gas often cap spending in their bonus categories. For example, some cards earn the bonus rate on the first $1,500 to $2,500 spent per quarter or the first $6,000 spent per year. After you hit the spending cap, additional purchases in that category earn the card's standard rate, which is usually 1%. As you check out the best credit cards for groceries and gas, compare their spending caps against your normal spending in those categories.
- A reasonable annual fee or no annual fee. If you don't want to pay an annual fee, you're in luck. Many of the best cards for gas and groceries are no annual fee credit cards. Just keep in mind that if a grocery and fuel credit card does have an annual fee, that cost could be offset by the card's benefits. It's important to weigh the card's annual fee against its features so you can get a full idea of the value it offers. You may find that the high rewards rate of the best grocery and gas credit card for you justifies its annual fee.
Compare the best credit cards for groceries and gas
| Card | Rating | Great For |
|---|---|---|
|
2023 Award Winner
Terms apply
|
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Best for U.S gas stations & U.S. supermarkets |
|
Terms apply
|
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Best for no annual fee |
|
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Best for bonus cash back |
|
|
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Best for gas cash back and intro bonus |
|
|
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Best for bonus cash back |
|
|
2023 Award Winner
Terms apply
|
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Best for U.S. supermarkets |
|
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Best for travel rewards |
|
|
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Best for Whole Foods and Amazon Prime Shoppers |
|
|
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Best for Costco shoppers wanting gas and restaurants rewards |
|
|
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Best for restaurants |
|
|
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Best for no annual fee travel card |
The information related to Prime Visa has been collected by The Ascent and has not been reviewed or provided by the issuer.
If you're aiming to maximize your credit card rewards, a gas credit card or grocery credit card make sense. When you grab groceries or fill up at the pump, your credit card will reward you with extra cash back or points. Since those tend to be big expenses, finding the best card for gas and groceries could give your finances a boost.
This is a popular type of credit card, and there are all kinds of options available. Pick the best credit card for gas and groceries by ensuring its good for you.
When is a credit card for groceries and gas a good idea?
Gas and grocery credit cards are a good idea when gas and groceries are two of your biggest monthly expenses. An easy way to figure out if you should be looking at the best credit cards for food and gas is to review your spending for the last couple of months. If gas and groceries are in your top three or four expenses, then a grocery and gas card application to get the best grocery and gas credit card will save you a lot of money.
Can you combine a grocery and gas rewards credit card with other types of cards?
Yes, you can also combine the best cards for groceries and gas with other top credit cards that earn more in different categories. One popular strategy is to choose the best credit card for groceries and gas and another card that earns a flat rate, such as 1.5%, on each purchase. Whenever you're at the grocery store or the pump, you'd pay with your gas and grocery credit card to earn bonus rewards. On all other eligible purchases, you'd use your flat-rate card to get 1.5% back instead of 1%.
If you find that you can manage multiple credit cards easily enough, then you can always add more to get more bonus rewards. You could carry your best card for groceries and gas, a flat-rate card, plus a card that earns more on dining and entertainment. Alternatively, you could apply for a gas card then consolidate cards by looking for the best credit card for gas, groceries, and restaurants. The bottom line is that there are many situations when the best credit card for grocery and gas is a wise choice.
What about gas cards for bad credit?
If you have a low credit score, or you're still in the process of establishing your credit history, then it's recommended to look at gas cards for bad credit. The best gas credit cards will likely be hard to qualify for, as they're usually aimed at consumers who have good credit or excellent credit. Applicants who are approved for these cards tend to have credit scores of 760 or higher.
Fortunately, there are a couple of gas credit cards for bad credit available. These are a good option if you spend a lot of money on gas, and you want to earn some extra cash back while improving your credit. You could go with a secured gas credit card, meaning one that requires a security deposit to open. Or, you could get a closed-loop gas station credit card, which is one that you can only use at the gas station brand that issued it.
Here are two cards that are not on this list, but are worth considering:
- Discover it® Secured Credit Card: You need to pay a refundable security deposit for this card, but it has no minimum credit score requirement. It earns 2% cash back on your first $1,000 in quarterly spending at gas stations and restaurants, and 1% back on other purchases.
- Exxon Mobile Smart Card+: This is a closed-loop card that you can only use at participating Exxon and Mobil stations. Since it has limited uses, this card isn't on our best-of lists, but it does have fairly lenient approval requirements.
FAQs
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A gas and grocery credit card is a card that earns bonus rewards on gas and grocery purchases. These cards generally earn 2% back or more on gas and groceries and 1% back on other purchases. Bonus rates can vary significantly depending on the card, as some of the best credit cards for gas and groceries offer 5% to 6% back in bonus categories.
Many of the top grocery and gas cards are cash back credit cards. There are also some that earn other types of rewards, including travel credit cards.
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The best credit card for gas and groceries has high rewards rates in those two categories and reasonable annual fees for the benefits they offer. There are also plenty of gas and grocery credit cards with no annual fees, or even gas cards for bad credit. In addition to rewards rates and fees, you should also look for spending caps on bonus rewards. Several of these cards, and especially the best cash back credit cards for gas and groceries, limit the quarterly or annual bonus rewards you can earn.
Our Credit Cards Experts
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
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Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
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John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Bank of America is an advertising partner of The Ascent, a Motley Fool company. Citigroup is an advertising partner of The Ascent, a Motley Fool company. American Express is an advertising partner of The Ascent, a Motley Fool company. Wells Fargo is an advertising partner of The Ascent, a Motley Fool company. JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. Discover Financial Services is an advertising partner of The Ascent, a Motley Fool company. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon.com, Apple, Bank of America, Costco Wholesale, JPMorgan Chase, Netflix, PayPal, Target, Uber Technologies, Visa, and Walmart. The Motley Fool recommends Discover Financial Services and U.S. Bancorp and recommends the following options: short December 2023 $67.50 puts on PayPal. The Motley Fool has a disclosure policy.
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