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Did you know you could earn rewards for everyday purchases like gas and groceries? Why not reward yourself with gift cards, cash, or travel benefits for all that you do? There are many cards that offer cash back bonuses for these purchases and more.
The key is to know what type of rewards they offer, the spending threshold they set, and how you earn rewards. You'll find credit cards with no annual fee and unlimited cash back and those with annual fees and low limits on what you can spend.
Check out the best credit cards for gas and groceries below to see how you can start rewarding yourself.
How we rate products
Choosing the best credit card for gas and grocery requires some sacrifice within other categories or some cards may offer higher rewards for gas or groceries, but not both. We aimed to find the cards that allow you to maximize your cash back earnings while limiting your annual fees.
Here’s the criteria we used to choose the best cards:
- Strong welcome offer: The choices made all include great welcome offers.
- Low or no annual fee: We aimed for cards without an annual fee, but those we chose with a fee didn’t exceed $95, which is usually easy to make up with gas and grocery rewards.
- Cashback caps: We pay close attention to the caps each card has for gas and groceries. While most have a spending limit, we note the limit and help you understand how to maximize your earnings.
- Redemption options: We look for cards with various redemption options, not just cash back, since we know many consumers look for cards that offer travel benefits.
The best credit card for gas and groceries compared
| Credit Card | Rewards Rate | Welcome Bonus | Intro APR | Regular APR | Annual Fee |
|---|---|---|---|---|---|
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Bank of America® Customized Cash Rewards credit card 4.5
|
1% - 6%
Cash back
|
$200
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
17.74% - 27.74% Variable
|
$0
|
2025 award winner
Best for Groceries
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Learn How to Apply
Blue Cash Preferred® Card from American Express 5.0
|
1% - 6%
Cash back
|
$250
Statement credit
|
Balance Transfer:
0%, 12 months
Purchases:
0%, 12 months
|
19.49% - 28.49% Variable
|
$0 intro annual fee for the first year, $95 per year thereafter
|
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Learn How to Apply
Blue Cash Everyday® Card from American Express 4.9
|
1% - 3%
Cash back
|
$200
Statement credit
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
19.49% - 28.49% Variable
|
$0
|
|
2025 award winner
Best Overall Cash Back Credit Card
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Wells Fargo Active Cash® Card 5.0
|
2%
Cash rewards
|
$200
Cash rewards
|
Balance Transfer:
0%, 12 months from account opening on qualifying balance transfers
Purchases:
0%, 12 months from account opening
|
18.74%, 24.74%, or 28.74% Variable
|
$0
|
/images/2024/12/16/citi-double-cash.jpg)
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Citi Double Cash® Card 5.0
|
2% - 5%
Cash back
|
$200
|
Balance Transfer:
0%, 18 months
Purchases:
N/A, N/A
|
17.74% - 27.74% (Variable)
|
$0
|
|
2025 award winner
Best Travel Card for Everyday Spending
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Citi Strata Premier® Card 4.9
|
1X - 10X
Points
|
60,000
Points
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
19.74% - 27.74% (Variable)
|
$95
|
Bank of America® Customized Cash Rewards credit card
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- Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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.
The Bank of America® Customized Cash Rewards credit card allows cardholders to earn 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
If you have credit card debt, you can also tackle it with the 0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days (then 17.74% - 27.74% Variable), and there is a balance transfer fee.
You can redeem your rewards for any amount and choose from the following:
- Statement credits
- Bank of America® deposits
- Credits to a Merrill account, including 529 accounts ($25 minimum)
- Option to choose your bonus category (including gas)
- $0 annual fee
- Option to reinvest your cashback in your Merrill account
- No travel or purchase benefits
- Low spending cap on elevated rates
Apply now or for more information, go to our Bank of America Customized Cash Rewards review.
Blue Cash Preferred® Card from American Express
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- High cashback rates at U.S. supermarkets, U.S. gas stations, eligible transit, and U.S. streaming subscriptions (cash back is in the form of Reward Dollars that can be redeemed as a statement credit)
- Introductory APR for purchases and balance transfers
- Up to $10 monthly statement credit toward an eligible Disney bundle subscription (subject to auto renewal; enrollment required)
The Blue Cash Preferred® Card from American Express pays healthy rewards of 6% on spending at U.S. supermarkets (up to $6,000 per year in eligible purchases, after that 1%) and on select U.S. streaming services, but note the $6,000 annual spending limit. Since most families spend well over $6,000 a year on groceries, you can use this card to max out the rewards, and then use a different card for the remainder of the year.
You can easily offset the $0 intro annual fee for the first year, $95 per year thereafter annual fee on this card if you spend at least $1,583 on groceries every year, and unlike many other American Express cards, you can carry a balance on this one, although interest will accrue.
Other featured benefits include:
- Up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Access to special ticketed events
- Access to the Global Assist Hotline when you travel 100+ miles from home
I also like that the card has intro APRs:
- 0% intro APR for 12 months on balance transfers, then 19.49% - 28.49% Variable with a balance transfer fee of $5 or 3%, whichever is greater
- 0% intro APR for 12 months on purchases, then 19.49% - 28.49% Variable
This gives you a chance to spread out the cost of large purchases or pay off old credit card debt with no interest.
- High rewards rate for certain categories
- Low annual fee
- Includes other benefits, like the Disney Bundle credit
- Low spending cap on elevated rewards
- High spend required for welcome offer
Learn how to apply or for more information, read our Amex Blue Cash Preferred Card review.
Blue Cash Everyday® Card from American Express
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- $0 annual fee, but still pays healthy bonus rewards
- Makes gas purchases more affordable
- Great welcome offer that you can earn with everyday spending
If you don't like paying annual fees, you can still earn 3% back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on eligible purchases in each category, then 1%) with the Blue Cash Everyday® Card from American Express. The spending caps are the same as the Amex Blue Cash Preferred card — $6,000 per year — so I'd use this card to earn the higher reward rate and then supplement with another one for the rest of the year.
The Amex Blue Cash Everyday card also offers intro APR offers:
- 0% intro APR for 15 months on balance transfers (then 19.49% - 28.49% Variable) with a balance transfer fee of $5 or 3%, whichever is greater
- 0% intro APR for 15 months on purchases (then 19.49% - 28.49% Variable)
- $0 annual fee makes the card a no-brainer
- Lengthy intro APR period
- Relatively high spend requirement for welcome offer
- Low spend threshold for U.S. supermarket and U.S. gas station rewards
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- 0% intro APR for 12 months from account opening on qualifying balance transfers (then 18.74%, 24.74%, or 28.74% Variable) with a balance transfer fee of 3% intro for 120 days from account opening, then up to 5%, min: $5
- 0% intro APR for 12 months from account opening on purchases (then 18.74%, 24.74%, or 28.74% Variable)
- Auto rental collision damage waiver
- Travel emergency assistance services
- Roadside dispatch
- Up to $600 of cell phone protection against damage or theft (subject to a $25 deductible)
- No limit on rewards
- Access to exclusive Wells Fargo deals at your favorite retailers
- Includes credit score monitoring
- The cash rewards are lower than other cards for gas and grocery
- Charges a balance transfer 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.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- No category or spending limits
- Many options to redeem rewards
- Includes 24 hour fraud protection
- Rewards rate is lower than some other grocery and gas cash back cards
- Requires a balance transfer fee
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
- Trip cancellation/interruption insurance
- Trip delay coverage
- Lost or damaged luggage coverage
- Car rental coverage
- No foreign transaction fees
- Many options for points redemption
- Offers access to Citi Entertainment for exclusive tickets
- Most benefits cater to travelers
- No 0% intro APR offer
- Evaluate a card's welcome offer and what it takes to earn it
- Understand your monthly spending in groceries and gas to choose the right card
- Make sure you spend enough to offset the annual fee if a card has one
- Consider rewards in other spending categories such as travel purchases or streaming subscriptions
- Think about the fine print details such as foreign transaction fees and spending caps, if applicable
- Research the typical credit score requirements for different cards to see if you might qualify
- Weigh the importance of other perks and benefits that could help you reach personal finance goals, such as 0% introductory APR offers (note that balance transfers typically have balance transfer fees)
- Prime Visa: Amazon Prime members earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases. The card also includes plenty of travel benefits, but you get the most out of it if you are an Amazon Prime member or the cash back drops.
- Costco Anywhere Visa® Card by Citi: With the Costco Anywhere Visa, you can earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter; 3% on restaurants and eligible travel purchases; 2% on all other purchases from Costco and Costco.com; and 1% on all other purchases. It's great for cash back on gas, but grocery purchases fall under the lowest earning categories.
Learn how to apply or for more information, read our Amex Blue Cash Everyday Card review.
Wells Fargo Active Cash® Card
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The Wells Fargo Active Cash® Card isn't a traditional gas or grocery cash rewards card, but you can make it that way with its flat 2% cash rewards on purchases. The best part is there's no limit to your spending and a $0 annual fee.
This is a good example of a credit card you can use to supplement your gas and grocery cash rewards when you max out your benefits on a card like the American Express Blue Cash Everyday card.
If you need a card for large purchases or balance transfers, the card also offers:
Other features include:
Apply now or for more details, check out our Wells Fargo Active Cash Card review.
Citi Double Cash® Card
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The Citi Double Cash® Card makes it easy to earn cash back on gas and groceries, but in a non-traditional way. You can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. It's an incentive not to carry a balance!
The cash back is unlimited so you don't have to worry about overspending, which is nice compared to other cards with low limits.
The Citi Double Cash card also offers a lengthy 18 months 0% intro APR on balance transfers, then the rates increase to 17.74% - 27.74% (Variable).
The card doesn't include many other notable features except for exclusive access to Citi Entertainment, which offers exclusive access to special ticketed events.
Apply now or for more information, read our Citi Double Cash® Card(Rates and fees) review.
Citi Strata Premier® Card
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The Citi Strata Premier® Card makes it easy to earn cash back on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations at a rate of 3X points per dollar spent. There's no limit to the reward, so you don't have to juggle cards.
If you travel, this card is especially beneficial since you can earn 10X points on hotels, car rentals, and attractions booked on CitiTravel.com. You also enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) annually when booking through CitiTravel.com, plus you can use your points earned for grocery and gas purchases to fund your travels.
Travelers may also enjoy the points transfer option to participating airlines including Virgin Atlantic and Singapore Airlines.
In addition, travelers can enjoy these benefits:
Apply now or for more information, read our Citi Strata Premier® Card(Rates and fees) review.
How to choose the best credit card for gas and groceries
When choosing the best credit cards for groceries or the best credit cards for gas, you have many factors to consider. Chances are you'll use your credit card for more than just gas or groceries, so you should know everything the card offers to determine which one is best.
Consider the following:
FAQs
Which credit card is best for fuel and groceries?
We recommend the Amex Blue Cash Preferred Card as an excellent card for fuel and groceries. Other great options include:
Which credit card gives you the most points on gas?
These are the best credit cards for gas:
How do gas rewards credit cards work?
Gas rewards credit cards typically offer points or cash back when you use them for fuel purchases. They typically offer these rewards at a higher rate than their base rate for other purchases. Depending on the credit card issuer, you might be able to redeem the rewards you earn for statement credits, gift cards, travel, or more.
Do credit card rewards expire?
Credit card rewards might expire, but it depends on the specific terms of the credit card issuer. Some rewards programs have expiration dates for earned points or miles, while others may allow you to keep your rewards indefinitely as long as your account remains open and in good standing.
Credit card rewards that expire typically require you to stay active by making regular purchases or completing certain redemptions to keep your rewards from expiring.
Products that didn't make our list
There are many credit cards that pay cash back for groceries and gas, but not all made our list.
Here are two that are worth mentioning in case they apply to you:
Bottom line
When choosing a double-duty card for gas and groceries, analyze your annual spending habits and discover 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.
Don't forget, you can mix and match cards, taking advantage of cards with low spending thresholds but high bonuses, and supplementing with cards with lower cash back percentages. The key is to figure out what works best for you.
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Current Offer
Earn a $250 statement credit after spending $3,000 on eligible purchases in the first 6 months
Annual Fee
$0 intro annual fee for the first year, $95 per year thereafter
Rewards Rate
6% cash back at U.S. supermarkets (up to $6,000 per year in eligible purchases, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), and 1% cash back on other eligible purchases (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout)