Double Duty: The Best Credit Card for Gas AND Groceries [2023]

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 March 23, 2023 | 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.

The best credit cards for gas and groceries:

In this article

Compare the best credit card for gas and groceries

Card Annual fee
Rewards rate Best for
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

$95 (waived first year) (Terms apply) 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 Our overall winner
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
$0 (Terms apply) 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases Best for no annual fee
Amazon Prime Rewards Visa Signature Card
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 Best for Whole Foods
Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card

$0 3% cash back on the category of your choice; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 spent each quarter in the 2% and 3% categories combined); and 1% cash back on all other purchases Best for flexible rewards
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

$0 Earn 2% cash rewards on purchases Best for easy rewards
Citi® Double Cash Card
Citi® Double Cash Card
$0 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases Best for easy rewards

Blue Cash Preferred® Card from American Express: Our overall winner

Welcome bonus: Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months

Annual fee: $95 (waived first year)

Rewards rate: 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

Why we like it: 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. In addition, this card offers a generous welcome bonus.

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

Keep in mind
Cash back with both the Amex cards on this list 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.


Blue Cash Everyday® Card from American Express: Best for no annual fee

Welcome bonus: Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months

Annual fee: $0

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

Why we like it: 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. 

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 18.74% to 29.74% (variable) and 0% intro APR on balance transfers for 15 months, then 18.74% to 29.74% (variable).

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

Amazon Prime Rewards Visa Signature Card: Best for Whole Foods

Welcome bonus: $150 Amazon gift card upon approval

Annual fee: $0

Rewards rate: 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases

Why we like it: 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. 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.

Bank of America® Customized Cash Rewards credit card: Best for flexible rewards

Welcome bonus: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Annual fee: $0

Rewards rate: 3% cash back on the category of your choice; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 spent each quarter in the 2% and 3% categories combined); and 1% cash back on all other purchases

Why we like it: The Bank of America Customized Cash Rewards credit card is a good choice for cardholders who want a $0 annual fee, while still earning competitive rewards on their everyday purchases. This card is best suited for those whose spending may fluctuate throughout the year since you're able to pick your highest earning reward category.

Additionally, this card is a good choice for anyone interested in 0% interest on purchases, balance transfers, or both. That’s because the Bank of America Customized Cash Rewards card offers an introductory 0% APR on all purchases made in the first 18 billing cycles of account ownership, then 17.49% - 27.49% Variable APR.

You also get a 0% APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days, and then the interest rate reaches 17.49% - 27.49% Variable APR. This gives you a little over a year to pay down your balance without incurring interest charges.

For more information, go to our Bank of America Customized Cash Rewards review.

Wells Fargo Active Cash® Card: Best for easy rewards

Welcome bonus: $200 cash rewards bonus after spending $1,000 in the first 3 months

Annual fee: $0

Rewards rate: Earn 2% cash rewards on purchases

Why we like it: The Wells Fargo Active Cash Credit Card could be a good fit if you want a card that earns a flat, unlimited rate on eligible purchases. It’s simple to understand because there aren’t any spending categories to think about. For example, you don’t have to wonder what cash rewards rate you can earn from filling up your gas tank compared to buying groceries — you earn the same rate on each eligible purchase.

For more details, check out our Wells Fargo Active Cash Card review.

Citi® Double Cash Card: Best for easy rewards

Welcome bonus: Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness

Annual fee: $0

Rewards rate: 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases

Why we like it: 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, if you’re interested in doing a balance transfer you’ll have a 0% intro APR on balance transfers for 18 months (then 18.49% - 28.49% (variable)). That makes this card an awesome option for paying down debt.

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

How to choose the best credit card for gas and groceries

Rather than choose from the best credit cards for groceries or the best credit cards for gas, you can have the best of both worlds. 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

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

Current Offer

Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness

Annual Fee

$0

Rewards Rate

2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases

Benefits and Drawbacks

Benefits

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
  • 0% intro APR on balance transfers for 18 months, then 18.49% - 28.49% (variable) APR
  • No annual fee

Drawbacks

  • Foreign transaction fee
Card Details
  • 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.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, 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).

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.