Gas and groceries eat up a significant portion of the average family’s income. In 2018, families spent an annual average of $4,464 on groceries and $2,109 on gas, according to the Bureau of Labor Statistics. When it comes to purchases that you would put on a credit card, gas and groceries might be your top spending categories.
The good news is there are credit cards that can help you earn cash back and travel rewards for your purchases of food and fuel, allowing you to easily save hundreds of dollars every year or put that money toward something special.
And you don’t need to juggle multiple cards to accomplish these savings — we’ve put together a short list of single credit cards that are the best credit cards for gas and groceries. Our primary goal when selecting these cards was to find the ones with the highest rewards rates on both categories, rather than just talk about the best credit cards for groceries or the best credit cards for gas.
- How to get the best credit card rewards for gas and groceries
- What is the best credit card for gas and groceries?
- Best reward rate on both groceries and gas
- Best gas and grocery card with no annual fee
- Best credit card if you shop at Whole Foods
- Best credit card for easy, straightforward rewards
- Why we chose these cards
- The bottom line on the best credit cards for gas and groceries
How to get the best credit card rewards for gas and groceries
The best credit cards for gas and groceries offer a high earnings rate on both categories year-round. While some credit cards occasionally feature gas and groceries as bonus categories, and others offer rewards on one category or the other, only a select few are great for both gas and groceries.
As you look through the credit cards we’ve chosen, you’ll see that some of these have higher rewards for gas than groceries, or the other way around. This means you’ll need to be aware of your monthly spending in these categories to choose the right card for you. In addition, if a card has an annual fee, you’ll want to make sure you spend enough to offset it. Finally, you should weigh the importance of other features as well, such as the card’s welcome bonus, 0% introductory APR, and rewards in other spending categories.
What is the best credit card for gas and groceries?
|Card||Welcome bonus||Rewards rate||Annual fee|
|Blue Cash Preferred Card from American Express||Earn a $300 statement credit after spending $3,000 on purchases in the first 6 months||6% cash back at U.S. supermarkets (for first $6,000 per year) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases||$95 (waived first year)|
|Blue Cash Everyday Card from American Express||Earn $100 cash back after spending $1,000 in the first 6 months, plus earn 20% back on purchases at Amazon.com during the first 6 months (up to $200 back)||3% cash back at U.S. supermarkets up to $6,000 a year, 2% cash back at U.S. gas stations and select U.S. department stores, 1% cash back on other purchases||$0|
|Amazon Prime Rewards Visa Signature Card||$0||5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases||$0|
|Citi Double Cash Card||Earn cash back twice: 1% when you buy + 1% when you pay||up to 2% cash back on all purchases: 1% as you buy and 1% as you pay||$0|
Best reward rate on both groceries and gas
The Blue Cash Preferred Card from American Express has a best-in-class earnings rate of 6% cash back at U.S. supermarkets (for first $6,000 per year) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases. In addition, this card offers a generous welcome bonus where you can earn a $300 statement credit after spending $3,000 on purchases in the first 6 months.
You can easily offset the $95 (waived first year) annual fee on this card if you spend at least $1,583 on groceries every year. This card is an awesome choice for anyone who spends a lot on groceries and gas, especially people who also use rideshare services. But keep in mind that cash back can only be redeemed as a statement credit, so you won’t be able to book travel or get gift cards with your rewards.
Best gas and grocery card with no annual fee
For those who want a $0 annual fee card that still has a high rewards rate for groceries and gas, the Blue Cash Everyday Card from American Express is a great option. The rewards categories are as follows: 3% cash back at U.S. supermarkets up to $6,000 a year, 2% cash back at U.S. gas stations and select U.S. department stores, 1% cash back on other purchases. You can also earn earn $100 cash back after spending $1,000 in the first 6 months, plus earn 20% back on purchases at amazon.com during the first 6 months (up to $200 back).
Like the Blue Cash Preferred Card, the Blue Cash Everyday Card lets you redeem your rewards as a statement credit only, so you shouldn’t apply if you want to use points toward travel.
This card is also a good choice for someone that needs to finance a larger purchase, since it offers 0% APR on purchases for 15 months.
Best credit card if you shop at Whole Foods
If you have an Amazon Prime membership and primarily shop at Whole Foods, the Amazon Prime Rewards Visa Signature Card might be your best bet. Prime members get: 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases.
The best part is, this card has a $0 annual fee. That said, you do need a valid Prime membership to get the premium rewards rates. But you'll also instantly get a $100 Amazon gift card upon approval, and there’s no minimum spend requirement.
You can redeem your points for travel, gift cards, cash back, or Amazon purchases. We love that there’s no minimum to redeem, so you can access your rewards whenever you want.
And the fact the 2% back category includes restaurants, gas stations, and drugstores is a nice feature that doesn’t come with all of the cards on our list. But if you don’t typically buy your groceries from Whole Foods, you’ll probably be better off with another option.
Best credit card for easy, straightforward rewards
With the Citi Double Cash Card, you’ll up to 2% cash back on all purchases: 1% as you buy and 1% as you pay. For some people, this straightforward earnings rate on all categories might make the most sense. For example, if you find that your monthly spending is sometimes greater in categories other than groceries or gas at certain times of the year, but you still only want one credit card to keep track of, then it might be a good idea to get a card with an overall high rewards rate.
Plus this card has a $0 annual fee, and if you’re interested in doing a balance transfer you’ll have a 0% APR for 18 months on transfers you initiate in the first four months after opening the account. That makes this card an awesome option for paying down debt.
Why we chose these cards
In choosing these cards, we focused on ones with the best rewards rate on both gas and groceries. We stayed away from cards that only offer high rewards on rotating categories and focused on those that allow high rewards rates throughout the year. All of these cards make it easy to earn rewards on your everyday spending.
But we also wanted to make sure there was something for everyone on our list, which is why we chose some cards with an annual fee and other credit cards without an annual fee. Some of these cards also have more flexible redemption offers than others, some have additional categories with high rewards rates included, and others are focused on specific retailers.
The bottom line on the best credit cards for gas and groceries
To choose the best cash back credit cards for you, analyze your annual spending habits and determine whether you’re spending the most on gas, groceries, or another category altogether. Consider your total spending when deciding whether or not you can offset an annual fee. And decide how you’ll want to use your rewards to meet your goals. Ultimately, no matter what card you choose, you’ll end up with extra money in your pocket. Enjoy those rewards — you deserve it!