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Best Gas & Groceries Credit Cards for August 2022

Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Credit cards for gas and groceries are a great way to get more cash back in two popular categories. For the many consumers who spend a lot in those areas, this type of credit card 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 sign-up bonus, or a 0% intro APR, you can find a credit card for gas and groceries that fits the bill.

Great for: Bonus cash back

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

  • 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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
    • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
    • Every $1 you earn in cash back is $1 you can redeem.
    • NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% to 24.49% Standard Variable Purchase APR applies, based on credit worthiness.
    • No annual fee.
    • Click "Apply Now" to see terms and conditions.

Great 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

  • The U.S. supermarkets and U.S. gas stations rewards are clear standouts, in addition to a big welcome bonus and a nice 0% intro APR offer. Read Full Review

    • Big welcome bonus
    • U.S. supermarkets rewards
    • U.S. gas stations rewards
    • Streaming subscription rewards
    • Annual fee
    • Foreign transaction fee
    • Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each 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% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 16.24% to 26.24%.
    • 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.
    • $95 Annual Fee.
    • Terms Apply.

Great for: Unlimited 2% gas cash and groceries cash back

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

  • A standout cash back card with one of the highest unlimited rewards rates we've come across. The inclusion of a hefty sign-up bonus and versatile 0% intro APR offer are the cherries on top. Read Full Review

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards sign-up bonus
    • No annual fee
    • No bonus categories
    • Foreign transaction fees
    • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
    • Earn unlimited 2% cash rewards on purchases
    • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
    • $0 annual fee
    • No categories to track or remember and cash rewards don't expire as long as your account remains open
    • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
    • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
    • Select “Apply Now” to learn more about the product features, terms and conditions

Great for: U.S gas stations & U.S. supermarkets

Apply Now for Blue Cash Everyday® Card from American Express

On American Express' Secure Website.

Terms apply

  • 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

    • 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
    • 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, 16.24% to 27.24% variable APR.
    • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
    • New! 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%.
    • Get $7 back each month after using your Blue Cash Everyday® Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
    • Terms Apply.
  • Includes a big bonus in the no-annual fee category, a great 0% intro APR offer, and a flexible cash rewards program that enables you to earn premium cash back in a category of your choice. Read Full Review

    • Competitive sign-up bonus
    • Bonus cash back in a category of your choice
    • No annual fee
    • Great 0% intro APR offer

    • 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, 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.
    • 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, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) 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: Bonus cash back

  • 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
    • Earn $200 in cash back after you spend $750 on purchases in the first 3 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 16.24% - 26.24%, 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.

Great for: U.S. supermarkets

Apply Now for American Express® Gold Card

On American Express' Secure Website.

Terms apply

  • The welcome offer, lucrative rewards at restaurants, U.S. supermarkets, and on travel more than justify the annual fee for most who spend in these categories. 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.
    • Updated $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.
    • Choose the color that suits your style. Gold or Rose Gold.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.

Great for: Whole Foods and Amazon Prime Shoppers

  • 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 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
    • 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 other purchases
    • No foreign transaction fees
The information related to Amazon Prime Rewards Visa Signature Card has been collected by The Ascent and has not been reviewed or provided by the issuer.

Great for: Costco shoppers wanting gas and restaurants rewards

  • Hard to beat for Costco shoppers with the lucrative rewards program and no annual fee for members. The gas cash back earning potential is among the highest you'll find. Read Full Review

    • Gas rewards
    • Costco rewards
    • Travel and dining rewards
    • 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 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
  • 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 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
    • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
    • 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; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
    • No foreign transaction fee
    • No annual fee
  • A solid contender to earn rewards for everyday purchases, such as gas, groceries, dining, and travel. Read Full Review

    • Robust rewards program
    • Sign up bonus
    • Travel credit
    • Annual fee
    • No 0% intro APR offer
    • 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.
    • Terms and conditions apply.

If you're aiming to maximize your credit card rewards, a gas and groceries credit card makes 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. You can ensure you pick the best credit card for gas and groceries by learning a little more about how they work.

What is a gas and grocery credit card?

Gas and grocery credit cards are cards that earn more rewards for gas and grocery purchases. Although many of the best cards for groceries and gas are cash back credit cards, there are also some that earn other types of rewards, such as travel points.

What should I look for in a gas and grocery credit card?

Here’s what you should look for: 

  1. High rewards rates on gas and groceries. The simple method to find the best gas and grocery credit card is to see 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 food and gas can make a huge difference in the number of rewards you earn.
  2. Spending caps that work for you. 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.
  3. 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 gas 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.

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 getting the best grocery and gas credit card will save you a lot of money.

You can also combine a gas and groceries credit card 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 grocery and gas 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 consolidate cards by looking for the best credit card for gas, groceries, and restaurants. The bottom line is that there are many situations when applying for the best credit card for grocery and gas is a wise choice.

The Picks
Card Rating Great For
Rating image, 5.00 out of 5 stars.
Great For:

Bonus cash back

Rating image, 5.00 out of 5 stars.
Great For:

U.S gas stations & U.S. supermarkets

Rating image, 5.00 out of 5 stars.
Great For:

Unlimited 2% gas cash and groceries cash back

Rating image, 4.50 out of 5 stars.
Great For:

U.S gas stations & U.S. supermarkets

Rating image, 4.50 out of 5 stars.
Great For:

Gas cash back and intro bonus

Rating image, 5.00 out of 5 stars.
Great For:

Bonus cash back

Rating image, 4.50 out of 5 stars.
Great For:

U.S. supermarkets

Rating image, 4.00 out of 5 stars.
Great For:

Whole Foods and Amazon Prime Shoppers

Rating image, 4.50 out of 5 stars.
Great For:

Costco shoppers wanting gas and restaurants rewards

Rating image, 4.50 out of 5 stars.
Great For:

Restaurants

Rating image, 4.00 out of 5 stars.
Great For:

No annual fee travel card

FAQs

  • 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.

  • The best credit cards for gas and groceries have 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. 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.

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