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Best Credit Cards for Gas and Groceries of August 2024

Review Updated
Lyle Daly
By: Lyle Daly
Lyle Daly
Lyle Daly
Writer

Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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Our Credit Cards Expert

Nathan Alderman
Check IconFact Checked Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

See Full Bio

Many or all of the products here are from our partners that compensate us. 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 for consumers with high spending in these areas to get more cash back in two popular categories.

The best cards have rewards rates of at least 2% to 3%, with some offering up to 5% or 6% back. Find the best credit card for gas and groceries below.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Robin Hartill, CFP®, is The Ascent’s Head of Product Ratings and has worked for The Motley Fool since 2020. Her work has appeared in various national publications, including Yahoo! Finance, NerdWallet, Investopedia, CNN Underscored, MSNBC, USA Today, and CNET Money. She previously wrote The Penny Hoarder’s syndicated “Dear Penny” personal finance advice column.

We've highlighted some of our picks below to help you pick the best gas and grocery card for you:

Best credit cards for gas and groceries
Show The List [+] Hide The List [-]

Ratings Methodology
American Express® Gold Card
Apply Now for American Express® Gold Card

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Award Icon 2024 Award Winner

American Express® Gold Card

Great for: Bonus points at U.S. supermarkets

Apply Now for American Express® Gold Card

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

American Express® Gold Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for American Express® Gold Card

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Limited-time offer
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: n/a

Balance Transfers: n/a

APR

See Pay Over Time APR

Rewards Circle with letter I in it. Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. (on up to $50,000 per calendar year in purchases), 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.

1X-4X Membership Rewards® Points

Annual Fee

$325

Welcome Offer Circle with letter I in it. Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

60,000 points + earn up to $100 back

  • This card offers considerable value, as it earns 4X points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X) and 4X points at restaurants. Plus, earn 3X points on flights booked directly with airlines or on American Express Travel. Meanwhile, over $600 in various spend credits can potentially offset the entire $325 annual fee. (Terms apply.) Overall, it’s an incredibly lucrative card for those who spend a lot in its bonus categories and can use its spend credits. Read Full Review

    • Impressive welcome offer
    • Restaurant rewards
    • U.S. supermarket rewards
    • Travel and dining credits
    • High-value rewards points
    • Annual fee
    • Inflexible spending credits
    • Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
    • Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
    • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
    • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
    • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
    • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
    • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
    • $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.
    • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
    • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
    • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. 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, and Five Guys. Enrollment required.
    • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
    • No Foreign Transaction Fees.
    • Annual Fee is $325.
    • Terms Apply.
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers. • Trip delay insurance underwritten by New Hampshire Insurance Company, an AIG Company.
 • Extended warranty, baggage insurance plan, car rental loss & damage insurance, and purchase protection warranty underwritten by AMEX Assurance Company.
Award Icon 2024 Award Winner

Blue Cash Preferred® Card from American Express

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

Rates & Fees External Link Icon

Blue Cash Preferred® Card from American Express
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

APR

19.24%-29.99% Variable

Rewards Circle with letter I in it. 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. 3% Cash Back 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 or at Amazon.com checkout.

1%-6% Cash Back

Annual Fee

$0 intro annual fee for the first year, then $95.

Welcome Offer Circle with letter I in it. Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

  • This card offers market-leading cash back at U.S. supermarkets. The welcome bonus and intro APR offer sweeten the deal. Terms apply. If you spend a lot on groceries (excluding wholesale clubs and superstores like Costco and Walmart), this card is worth considering. Read Full Review

    • Big welcome offer
    • U.S. supermarkets rewards
    • U.S. gas stations rewards
    • Streaming subscription rewards
    • Travel and purchase protections
    • Annual fee
    • Foreign transaction fee
    • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
    • $0 intro annual fee for the first year, then $95.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
    • 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.
    • 3% Cash Back 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 or at Amazon.com checkout.
    • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
    • Terms Apply.
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers. • Extended warranty, purchase protection warranty, and car rental loss & damage insurance underwritten by AMEX Assurance Company.
Award Icon 2024 Award Winner

Wells Fargo Autograph℠ Card

Great for: Travel, gas, and dining bonuses

Apply Now for Wells Fargo Autograph℠ Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Autograph℠ Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Autograph℠ Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR on purchases for 12 months from account opening

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: N/A

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Rewards Circle with letter I in it. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

1X-3X points

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

  • This card offers unlimited 3X points on common things like restaurants, gas stations, travel, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases. This could be a great pick if you spend a lot in those categories. A solid welcome bonus and cell phone protection are the cherries on top. Read Full Review

    • Strong welcome bonus for a no annual fee card
    • Earn Unlimited 3x points on useful categories
    • Cellphone protection
    • Other cards offer larger bonuses, though they usually come with annual fees
    • The 1x points baseline rewards rate on other purchases, though normal for this type of card, can be beat
    • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
    • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
    • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
    • $0 annual fee.
    • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
    • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
    • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Citi Custom Cash® Card

Great for: Bonus cash back

Apply Now for Citi Custom Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Custom Cash® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Custom Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.24% - 29.24% (Variable)

Rewards Circle with letter I in it. 5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases. Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

1% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn $200 in cash back after you spend $1500 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.

20,000 ThankYou® Points

  • We love this card’s easy-to-use yet lucrative cash back program. Each billing cycle, cardholders earn 5% cash back in their top spend category (up to $500 spent in eligible categories). Eligible categories include grocery stores, restaurants, gas stations, select travel and more. The card automatically adjusts to your spending habits, which makes it easy to maximize your rewards. Read Full Review

    • Cash back rewards
    • Sign-up bonus
    • No annual fee
    • 0% intro APR offer
    • Bonus cash back limits
    • Foreign transaction 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.
    • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, 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.

      Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
    • 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.

Citi Strata Premier℠ Card

Great for: 3X points at supermarkets and gas stations

Apply Now for Citi Strata Premier℠ Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Strata Premier℠ Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Strata Premier℠ Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 29.24% (Variable)

Rewards Circle with letter I in it. 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases.

1x - 10x points

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.

70,000 ThankYou® Points

  • Citi Strata Premier offers a unique combination of bonus categories we don't see on many travel cards. It earns 3X points on travel and everyday-type categories, including supermarkets and gas/EV charging. You can also earn a welcome bonus worth $700. That combination of rewards is an excellent value for a relatively low annual fee. Plus, if you run into any problems on a trip, its complimentary travel protections (including coverage for trip delays, trip cancellations and interruptions, and lost/damaged luggage) could save the day. Read Full Review

    • Big sign-up bonus
    • Annual hotel savings offer
    • Travel and dining rewards
    • Grocery and gas rewards
    • Flexible travel rewards points
    • Travel insurance protections
    • Annual fee
    • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 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

Bank of America® Customized Cash Rewards credit card

Great for: Gas cash back and intro bonus

Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Bank of America® Customized Cash Rewards credit card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

19.24% - 29.24% (Variable)

Rewards Circle with letter I in it. 3% cash back in the category of your choice, 2% at at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% on all other purchases.

1% - 3% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

$200 cash back

  • This card's wide range of extra cash back options speaks for itself, with a choice of six bonus categories you can change monthly for 3% earnings in the category of your choice. And you can earn 2% back automatically at grocery stores and wholesale clubs. No annual fee and a nice welcome bonus also make this one a winner. Plus, if you're a Bank of America Preferred Rewards member, this card will be even more valuable for you. Read Full Review

    • Competitive welcome bonus
    • Bonus cash back in a category of your choice
    • No annual fee
    • Great 0% intro & transfer APR offer
    • Relationship rewards bonus
    • 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.
    • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
    • If you're a Bank of America 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 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 19.24% - 29.24% 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%.
    • 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.

Blue Cash Everyday® Card from American Express

Great for: No annual fee

Apply Now for Blue Cash Everyday® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Blue Cash Everyday® Card from American Express
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
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= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Blue Cash Everyday® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

APR

19.24%-29.99% Variable

Rewards Circle with letter I in it. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 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%. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

1%-3% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

  • If gas and groceries are big line items in your budget, don't miss this card. You won't pay an annual fee, and you can earn a generous 3% cash back at supermarkets, online retail purchases, and gas stations in the U.S., on up to $6,000 per year, per category. A 0% APR intro offer lasting 15 months and a $200 welcome bonus for a $2,000 spend inside of 6 months (terms apply) round out the perks on this Amex. 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
    • High spend requirement for welcome offer
    • 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, 19.24% to 29.99% variable APR.
    • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
    • 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%.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
    • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
    • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
    • Terms Apply.
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers.

Wells Fargo Active Cash® Card

Great for: Simple cash rewards

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Active Cash® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

  • This card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus and a decent intro APR offer. We simply haven’t come across this combination of top perks in one card before. Read Full Review

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards welcome bonus
    • No annual fee
    • Cellphone protections
    • No bonus categories
    • Foreign transaction fees
    • Balance transfer fee
    • Select “Apply Now” to take advantage of this specific 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. 20.24%, 25.24%, or 29.99% 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.

U.S. Bank Altitude® Connect Visa Signature® Card

Great for: No annual fee travel card

Read Review
U.S. Bank Altitude® Connect Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on purchases and qualifying balance transfers for 12 billing cycles

Purchases: 0%, 12 billing cycles

Balance Transfers: 0%, 12 billing cycles

Regular APR

21.24% - 29.24% (Variable)

Rewards Circle with letter I in it. Earn 5x points on prepaid hotels and car rentals booked in the Altitude Rewards Center, 4X points on travel and at gas stations, 2X points at grocery stores, grocery delivery, dining and streaming services, 1x points on other purchases

1x - 5x points

Annual Fee Circle with letter I in it. N/A

$0 intro for the first year, then $95

Welcome Offer Circle with letter I in it. 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

20,000 points

  • Special travel perks can be yours with this U.S. Bank card. For a nominal annual fee, you can earn 5X points per $1 on travel booked through the Altitude Rewards Center, 4X points on other travel, and more. Plus, to enhance your travel experience, you can enjoy access to airport lounges worldwide with a 12-month Priority Pass Select membership, plus a credit for Global Entry or TSA PreCheck.

    • Big welcome bonus
    • Robust rewards program
    • Streaming credit
    • Airport lounge access
    • Cellphone and travel protections
    • Annual fee
    • Can't transfer points
    • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards travel and more.
    • 0% intro APR for 12 billing cycles on purchases and qualifying balance transfers (balances transferred within 60 days of account opening)
    • 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
    • 4X on travel
    • 4X at gas stations and EV charging stations through September 8, 2024, after that 4X on your first $1,000 each quarter (wholesale clubs and discount stores/supercenters excluded)
    • 2X on dining, streaming services and at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024).
    • 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 as long as your account is active.
    • Protection and assistance when traveling with Trip Cancelation/Interruption, Trip Delay Reimbursement and SmartDelay.
    • Complimentary Priority Pass™ Select membership gives you 4 free visits to over 1,500 airport VIP lounges and experiences worldwide.
    • Terms and conditions apply.
U.S. Bank Altitude® Connect Visa Signature® Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Reviews of the best gas & grocery credit card offers

When is a credit card for groceries and gas a good idea?

A gas and grocery credit card is a good idea if those are two of your biggest monthly expenses. An easy way to figure out if you should be looking at this type of card is to review your spending for the last couple of months.

If supermarket and gas spending is in your top expenses, then one of the best gas and grocery credit cards could save you a lot of money.

Can you combine a grocery and gas rewards credit card with other types of cards?

Yes, you can combine one of the best cards for groceries and gas with other top credit cards that earn more in different categories. This is a popular strategy for maximizing rewards.

For example, you could start with a top credit card for groceries and gas, and then add a card that earns 2% back on each purchase. Whenever you're at the grocery store or the pump, you'd pay with your gas and grocery card to earn bonus rewards. On everything else, you'd use your flat-rate card to earn 2% back instead of 1%.

If you find that you can manage multiple credit cards easily enough, then you can always apply for a variety of credit cards to get more bonus rewards. For instance, you could carry your best card for groceries and gas, a flat-rate cash back card, plus a card that earns more on dining and entertainment. Alternatively, you could look for an all-encompassing credit card that earns rewards for gas, groceries, and restaurants.

Are there gas credit cards for bad credit?

There are a couple of gas credit cards for bad credit available. You could get a secured gas credit card, meaning one that requires a security deposit to open. Or, you could get a closed-loop gas station credit card that can only be used at the gas station brand that issued it.

Here are two cards that didn't make our top picks, but are worth considering if you drive often and have a low credit score:

  • Discover it® Secured Credit Card: You need to pay a refundable security deposit for this card, but it earns 2% cash back on your first $1,000 in quarterly spending at gas stations and restaurants and 1% back on other purchases.
  • Exxon Mobil Smart Card+: This is a closed-loop card with fairly lenient approval requirements that you can only use at participating Exxon and Mobil stations.

Compare the best credit cards for groceries and gas

The Picks
Card Rating Great For
Award Icon 2024 Award Winner
Graphic of American Express® Gold Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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= Poor
Great For:

Bonus points at U.S. supermarkets
Award Icon 2024 Award Winner
Graphic of Blue Cash Preferred® Card from American Express
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

U.S gas stations & U.S. supermarkets
Award Icon 2024 Award Winner
Graphic of Wells Fargo Autograph℠ Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Travel, gas, and dining bonuses
Graphic of Citi Custom Cash® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Bonus cash back
Graphic of Citi Strata Premier℠ Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

3X points at supermarkets and gas stations
Graphic of Bank of America® Customized Cash Rewards credit card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Gas cash back and intro bonus
Graphic of Blue Cash Everyday® Card from American Express
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

No annual fee
Graphic of Wells Fargo Active Cash® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Simple cash rewards
Graphic of U.S. Bank Altitude® Connect Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

No annual fee travel card
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers. • Trip delay insurance underwritten by New Hampshire Insurance Company, an AIG Company.
 • Extended warranty, baggage insurance plan, car rental loss & damage insurance, and purchase protection warranty underwritten by AMEX Assurance Company.
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers. • Extended warranty, purchase protection warranty, and car rental loss & damage insurance underwritten by AMEX Assurance Company.
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers.
U.S. Bank Altitude® Connect Visa Signature® Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Our gas and grocery credit card methodology

At The Motley Fool Ascent, we rate credit cards for gas and groceries on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rate in gas- and grocery-related categories, sign-up bonuses, annual fees, and perks like cash back and dining rewards.

Our highest-rated gas and grocery credit cards have:

  • A rewards rate above 3% in gas and grocery-related categories, or 2% for flat-rate cards
  • Sign-up bonuses that can drastically boost card value in the first year
  • Low annual fees
  • Top perks that apply broadly to most people, such as purchase protections, cash back on gas and groceries, and dining rewards

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best gas and grocery card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how The Ascent rates credit cards.

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.

    Many of the top grocery and gas cards are cash back credit cards. There are also some that earn other types of rewards, including travel credit cards.

  • To find the best credit card for gas and groceries, look for high rewards rates in those two categories. Go with a card that either has no annual fee or a reasonable annual fee for the benefits it offers. And if you have a low credit score, check out gas cards for bad credit.

    In addition to rewards rates and fees, also watch out for spending caps on bonus rewards. Several of the best cash back credit cards for gas and groceries limit the bonus rewards you can earn. These bonus caps could be monthly, quarterly, or annual limits, depending on the card.