Best Gas & Groceries Credit Cards

These best-in-class cards, some of which are from our partners, will earn you lucrative rewards when you're filling up your tank or your belly. Check out our shortlist to uncover the names of these leading cards.

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On Discover's Secure Website.

Our Bottom Line

The highest cash back card on the market is a clear cash-back leader with a laundry list of perks that reads like a novel. You'll be hard pressed to find a competing card with a matching feature set and no annual fee.

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What we Like:
  • Bonus cash back
  • No annual fee
  • 0% intro APR offer
  • FICO® Score for free
Key Scores:
5.0 5 Perks
4.0 5 Fees
5.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 5.0/5
  • Annual Fee: $0
  • Regular APR: 14.24% - 25.24% Variable
  • Intro APR: Purchases: 0%, 14 months Balance Transfers: 0%, 14 months
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
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Rates & Fees
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On Bank of America's Secure Website.

Our Bottom Line

Earning premium cash back in a category of your choice is one marquee perk, as is a class-leading intro bonus offer and a long 0% intro APR offer

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What we Like:
  • Big bonus offer
  • 3% back on gas or a category of your choice
  • No annual fee
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 16.24% - 26.24% Variable
  • Intro APR: Purchases: 0%, 12 billing cycles Balance Transfers: 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days
Highlights
  • No annual fee
  • $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 on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs and unlimited 1% on all other purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
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On Chase's Secure Website.

Our Bottom Line

Packed with a deep bench of perks that is rare in the cash-back category, including an easy-to-pocket bonus, long 0% intro APR offers, and bonus cash back. It's a leading pick no doubt.

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What we Like:
  • Cash sign-up bonus
  • Earn up to 5% cash back
  • 0% intro APR offer for 15 months
  • No annual fee
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 17.24%-25.99%, variable
  • Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM
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Apply Now
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On American Express' Secure Website.

Our Bottom Line

This is the highest spending gas and supermarkets card we've come across. If you have a sizable budget on both, the small annual fee is justifiable, especially given the other perks that include a big welcome bonus and a competitive 0% intro APR offer.

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What we Like:
  • $250 welcome bonus
  • 0% intro APR offer
  • Earn up to 6% cash back
Key Scores:
5.0 5 Perks
1.5 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 1.5/5
APR 4.0/5
  • Annual Fee: $95
  • Regular APR: 15.24%-26.24% Variable
  • Intro APR: Purchases: 0.00%, 12 months Balance Transfers: 0.00%, 12 months
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Highlights
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%
  • $95 annual fee.
  • Terms Apply.
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Rates & Fees
Apply Now
Secure lock icon.

On American Express' Secure Website.

Our Bottom Line

One of the highest rewards-earning gas and supermarkets cards we've come across with no annual fee. The big welcome bonus and 0% intro APR offer round out a diverse feature set that makes the card worth considering for a one-card wallet.

Read Full Review
What we Like:
  • 0% intro APR
  • $150 welcome bonus
  • No annual fee
Key Scores:
4.0 5 Perks
4.0 5 Fees
4.0 5 APR
Perks 4.0/5
Fees 4.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 15.24%-26.24% Variable
  • Intro APR: Purchases: 0.00%, 15 months Balance Transfers: 0.00%, 15 months
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Highlights
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
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Rates & Fees
Amazon Prime Rewards Visa Signature Card
Our Bottom Line

The fact that this card includes no annual fee makes it a no-brainer for Amazon Prime members. Simply put, the cash-back rate is among the highest you'll find for Amazon purchases.

What we Like:
  • 5% back on Amazon and Whole Foods purchases
  • $70 sign up bonus
  • No foreign transaction fees
Key Scores:
4.0 5 Perks
0 5 Fees
4.0 5 APR
Perks 4.0/5
Fees 0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 16.49% to 24.49%, variable
  • Intro APR: Purchases: N/A Balance Transfers: N/A
Highlights
  • Exclusively for customers with an eligible Prime membership
  • $70 Amazon.com Gift Card instantly upon credit card approval
  • 5% back at Amazon and Whole Foods
  • 2% back at gas stations, restaurants and drugstores
  • 1% back on all other purchases
  • No foreign transaction fees
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The information related to Amazon Prime Rewards Visa credit card has been collected by The Ascent and has not been reviewed or provided by the issuer of this card.

Gas and groceries are popular bonus categories on cash-back credit cards, and for good reason. Plenty of people drive every day and we all need to eat, so gas and groceries are areas where just about everyone will spend at least a few hundred dollars per month. If you’re looking for the cash-back card that will score you the most back, then one of these cards could be the ticket.

How we picked the winners

We based our selections on which cards would earn the most back for consumers who have average to high spending on gas and groceries, so the most significant factor was each card’s rewards rate in those categories.

Most of these cards have no annual fee, and those that do have an annual fee have rewards rates high enough to make that fee worth it for at least some consumers. We also took sign-up bonuses into consideration, factoring in both the bonus amounts for each card and how much spending was required to earn said bonus.

Why you can trust me

Since I have an excellent credit score, I’m always looking to take full advantage of that by using the best credit cards to earn more rewards. I’ve used over a dozen different cards, and that includes both cash back and travel rewards cards. In less than three years, I earned over half-a-million travel points and over $1,000 in cash back while maintaining a frugal lifestyle with below-average annual spending.

How credit cards for gas and groceries work

Credit cards for gas and groceries are cash-back cards that earn a higher percentage back in those areas. These cards typically earn 2% in one category and 3% in the other, so you could base the card you choose on where you spend more. Non-bonus spending earns a standard 1% back.

If you want to maximize your rewards in both categories, the Blue Cash Preferred® Card from American Express has one of the highest cash-back rates of any credit card with 6% back on your first $6,000 in annual spending at U.S. supermarkets and 3% back at U.S. gas stations. The card also earns 6% back on select U.S. streaming subscriptions and 3% back on transit including taxis/rideshare, parking, tolls, trains, busses, and more. All other spending earns 1% back. The one thing to note about this card is that it has a $95 annual fee.

An alternate approach is to go with a card that has rotating bonus categories, such as the Discover it® Cash Back or the Chase Freedom®. These have rotating bonus categories where you earn a certain amount of cash back up to the quarterly spending maximum after you activate your bonus. These bonus categories can include gas and groceries, but they can also be for dining, Amazon.com purchases, and other common types of spending.

Redeeming your cash back

Cash-back redemption options depend on the card issuer, but they all offer at least one of the following:

  • Statement credit -- Use your cash back as a credit applied to your statement balance.
  • Direct deposit -- Deposit your cash back into a bank account that you’ve linked to the credit card.
  • Check -- Receive a check in the mail for your cash back.

Your card issuer may also let you redeem your cash back to make purchases through a shopping portal or to purchase gift cards from select retailers. You usually get a subpar value when you redeem cash back through shopping portals, but gift cards can be a good deal if the merchant is offering a discount.

What to know about bonus caps

It’s common for credit cards with bonus categories to put caps on those bonus categories, and credit cards for gas and groceries are no different. These bonus caps limit how much cash back you can earn at the bonus rate per quarter or year. Once you hit your cap, you’ll earn 1% back until the next quarter or year starts.

Before you choose a card for gas and groceries, make sure to check what its bonus caps are and whether it has one combined cap for all its bonus categories or separate caps for each category.

The Bank of America® Cash Rewards credit card is an example of the former, as its bonus cap is $2,500 in combined spending per quarter at grocery stores, on gas or a category of your choice, and wholesale clubs. The Blue Cash Everyday® Card from American Express is the opposite, as it only caps its 3% U.S. supermarket cash back at $6,000 in annual spending.

You can divide quarterly caps by three and annual caps by 12 to see what kind of monthly spending will cause you to reach that limit. This makes it easy to compare bonus caps with your usual spending and figure out whether you’ll go over the card’s cap.

Is a credit card for gas and groceries right for you?

Credit cards for gas and groceries are best suited for consumers who have above-average spending in at least one of those areas. For example, this type of credit card may work well if you:

  • Have a long commute to work
  • Have a driving job, such as deliveries
  • Usually cook your meals at home

If your gas and grocery spending isn’t particularly high, then you would probably earn more back from a cash-back card that earns an unlimited flat rate on all your spending.

Let’s look at a sample scenario that assumes you have a long drive to work and you’re buying groceries for the whole family. Here’s how much you could earn monthly with a credit card for gas and groceries compared to the Capital One® Quicksilver® Cash Rewards Credit Card, which earns 1.5% back on everything:

Card $500 on gas $500 on groceries $500 on all other spending Total cash back per month
Blue Cash Everyday® Card from American Express $10.00 $15.00 $5.00 $30
Capital One® Quicksilver® Cash Rewards Credit Card $7.50 $7.50 $7.50 $22.50

A credit card for gas and groceries is the clear choice here. If, on the other hand, you had half the gas and groceries spending and $2,000 spending on everything else, you’d be better off picking a flat-rate card.

How to choose a cash-back card

If your focus is getting the most value from your cash-back card, then the factors to look at when choosing a card are its cash-back rates, the bonus caps, and its annual fee, if it has one. These three details are enough to calculate which card will earn you the most back per year. If it’s dead even, then you can use sign-up bonuses as a deciding factor.

Many cash-back cards also include 0% intro APR offers for purchases, balance transfers, or both. If you need a 0% intro APR, either so you can put a big expense on your credit card or so you can transfer balances and consolidate debt, then you’ll want to go with the card that has the longest intro period.

Maximizing your cash back with multiple cards

One of the nice things about no-annual-fee credit cards is that you don’t have to limit yourself to just one since you can carry them free of charge. If you don’t mind managing multiple credit cards, then you may want to think about combining some of the best cash-back cards.

The most popular strategy when combining cards is getting one flat-rate card for your regular spending and one or two cards with bonus categories. It’s a simple, effective way to maximize your cash back on the money you spend. The only caveat is that you can’t miss any payments, because any fees you incur will wipe out all that extra cash back you earned.

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To recap, here are the best gas and groceries credit cards

Card Rating Great For…
Discover it® Cash Back Graphic of Discover it® Cash Back
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Bonus cash back

Bank of America® Cash Rewards credit card Graphic of Bank of America® Cash Rewards credit card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Gas cash back and intro bonus

Chase Freedom® Graphic of Chase Freedom®
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Bonus cash back versatility

Blue Cash Preferred® Card from American Express Graphic of Blue Cash Preferred® Card from American Express
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Gas & U.S. supermarkets

Blue Cash Everyday® Card from American Express Graphic of Blue Cash Everyday® Card from American Express
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Gas & U.S. supermarkets

Amazon Prime Rewards Visa Signature Card Graphic of Amazon Prime Rewards Visa Signature Card
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Whole Foods and Amazon Prime Pantry Shoppers