Double Duty: The Best Credit Card for Gas AND Groceries [2022]

Here’s how to get rewarded for everyday purchases you make to put food on the table and gas in the car — using just one credit card.
Last updated Dec. 2, 2022 | By Lindsay Frankel | Edited By Yahia Barakah
Best Credit Cards for Gas and Groceries

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There are credit cards that can help you earn cash back and travel rewards for your purchases at gas stations and grocery stores, 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 good credit cards for gas and groceries. Our primary goal when selecting these cards was to find the ones with the highest reward rates in both categories.

In this article

How to get the best credit card rewards for gas and groceries

Rather than just talk about the best credit cards for groceries or the best credit cards for gas, let's explore credit cards that are good for gas and groceries together by offering high earnings rates 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.

Some of these credit cards 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
  • 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 any exist
  • Weigh the importance of other perks, such as the card’s welcome offer, 0% introductory APR offer, and potential balance transfer fees

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 $250 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, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases $95 (waived first year) (Terms apply)
Blue Cash Everyday® Card from American Express Earn up to $250 - earn 20% back in statement credits (up to $150) when using your card to shop at PayPal in the first 6 months, plus earn a $100 statement credit after spending $2,000 in the first 6 months 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%); and 1% cash back on other eligible purchases $0 (Terms apply)
Amazon Prime Rewards Visa Signature Card $150 Amazon gift card upon approval 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 - 18 month BT offer Introductory APR on Balance Transfers: 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% variable APR after that up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases $0

Best cashback reward rates on both groceries and gas

The Blue Cash Preferred® Card from American Express has an earnings rate of 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases. In addition, this card offers a generous welcome bonus after account opening where you can earn a $250 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 a good choice for anyone who spends a lot on groceries and gas, especially people who also use rideshare services.

For more information, read our Amex Blue Cash Preferred Card review. 

Keep in mind
Cash back can only be redeemed as a statement credit, so you won’t be able to book travel or get gift cards with the Amex Membership Rewards program.


Best gas and grocery cashback rates 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 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%); and 1% cash back on other eligible purchases.

There is a generous welcome bonus: Earn up to $250 - earn 20% back in statement credits (up to $150) when using your card to shop at PayPal in the first 6 months, plus earn a $100 statement credit after spending $2,000 in the first 6 months.

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 bonus points toward travel.

This Amex card is also a good choice for someone that needs to finance a larger purchase or do a balance transfer. It offers 0% intro APR on purchases for 15 months, then 17.74% to 28.74% (variable) and 0% intro APR on balance transfers for 15 months, then 17.74% to 28.74% (variable).

For more information, read our Amex Blue Cash Everyday Card review.

Best gas and grocery reward rates 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 can be a good bet.

Prime member cardholders earn 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases.

The great 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 receive a $150 Amazon gift card upon approval upon approval, and there’s no minimum spend requirement.

You can redeem your points for travel, gift cards, cash back, or Amazon purchases. 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 perk 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.

For more information, read our Amazon Prime Rewards Visa Signature Card review.

Best straightforward rewards

With the Citi® Double Cash Card, you’ll earn up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases. 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% intro APR for 18 months on transfers you initiate in the first four months after opening the account (then 17.74% to 27.74% (variable)). That makes this card an awesome option for paying down debt.

For more information, read our Citi Double Cash Card review.

Methodology

In choosing these cards, we focused on credit cards with the highest rewards rates on both gas and grocery purchases. We stayed away from cards that only offer high grocery or gas rewards, or high rewards on rotating categories. Instead, we focused on cards that allow high reward rates on both grocery and gas purchases 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.

Bottom line

To choose the best cashback 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 them!

Earn Cash Back Twice

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Current Offer

Introductory APR on Balance Transfers: 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% variable APR after that

Annual Fee

$0

Rewards Rate

up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases

Benefits and Drawbacks

Benefits

  • Earn up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases
  • 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% (variable) APR
  • No annual fee

Drawbacks

  • Foreign transaction fee
Card Details
  • Introductory APR on Balance Transfers: 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% variable APR after that
  • up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases
  • Intro balance transfer 0% APR offer: 0% for 18 months then 17.74% to 27.74% (variable)

Author Details

Lindsay Frankel Lindsay Frankel is a Denver-based freelance writer who specializes in credit cards, travel, budgeting/saving, and shopping. She has been featured in several finance publications, including LendingTree. When she's not writing, you can find her enjoying the great outdoors, playing music, or cuddling with her rescue pup.