Best Credit Card for Gas and Groceries of 2023

Credit card for gas and groceries Looking for 2023’s best gas and grocery credit cards? Are you researching grocery and gas credit cards online?

You may want credit cards that provide a lot of cash back at grocery stores and supermarkets. If so, rejoice in being on the right page.

First, some facts about grocery credit cards.

According to Esri’s latest data, Americans spend $431 monthly and $5,174 a year on groceries. The average American spends $3,675 on meals.

Credit cards give 1.5–6% cashback, saving families hundreds of dollars on huge shopping expenses. Their annual fees are $0. Hurray!

The best supermarket reward cards give 6%. They exclude wholesale clubs like B.J.’s and Costco and big box stores like Walmart and Target, but Krogers, Whole Foods, and other large grocers offer such rates.

Some of the best grocery credit cards also offer bonuses for travel, restaurants, gas, and other common expenses.

For instance, using a rewards credit card to buy groceries can earn you over $100 each year—a smart move! That sounds great—saving so much money at the checkout without clipping coupons!

Travelers know that rising gas prices will continue to increase gasoline costs. Cashback and other benefits are the best choice.

For heavier drivers, gas rewards are ideal. This article lists the best gas credit cards that reward you on gas station purchases and other expenditures, like groceries.

So, compare each card’s benefits and drawbacks to get the best grocery and gas credit cards for your spending habits.

1. Blue Cash Preferred® Card from American Express – the Best Credit Card for Zero Annual Fee

At U.S. supermarkets, American Express’ Blue Cash Preferred Card gives 6% cashback. It offers 3% in transit rewards and other common expenditures. 6% return on U.S. streaming subscriptions for spending up to $6,000 per year Amazing!

Amex Blue Cash Preferred works well on groceries and gas. Cardholders receive 1% back on every other purchase and 3% cashback at U.S. gas stations.

Blue Cash Preferred also gives you a $300 bill credit for spending $3,000 in the first six months. That’s likely more than you expected to cover the card’s $95 annual cost for a few years (after waiving the first year’s fee).

The card costs $95 a year, but if you buy 500 items per month, you’ll save $265.

Overall, the American Express Blue Cash Preferred® Card is a great way to save big on groceries and gas. If you have great credit, you should be approved.

Rewards Details:

• Introductory APR –From account opening, 0% intro APR on purchases for one year or 12 months. The variable APR will be 13.99%–23.99%.
• Annual Fee – First-year fees are $0. After that, $95 each year. Foreign transaction fees are 2.7%.
• Pay Later Plan – American Express’ Blue Cash Preferred® Card’s $0 Buy Now, Pay Later Plan has no card fees for the first year. After 12 months, plans will charge almost 1.33% every transaction.
• Redeeming Rewards –Redeem reward money for $25 statement credits. Amex’s rewards programme offers products and gift cards.

Pros

• Incredible cashback on select U.S. streaming services and groceries;
• New cardholder bonus
• APR-free purchases

Cons

• 2.7% international transaction fee
• The annual cost is $95, although some other credit cards in this category charge nothing.
• Mastercard and Visa outnumber American Express.
• Get limited cashback on groceries, and some chains don’t give this.

2. Amazon Prime Rewards Visa Signature Card – Best Credit Card for Whole Foods

Beyond groceries, Amazon owns Whole Foods. The Amazon.com Visa Signature Card rewards shoppers.

For Amazon Prime Pantry, Whole Foods Market, and Amazon Fresh shoppers, the Amazon Prime Rewards Visa Signature Card is the ideal credit card.

Amazon purchases, including groceries, get a 5% reward.

The card’s basic incentive is a 3 percent rebate on Whole Foods and Amazon.com transactions. Prime members get five points per $1 for 5% back.

Members of Amazon Prime get a $150 gift card from Amazon.com after their credit card is approved, while everyone else gets a $75 gift card.

All cardholders receive two points per dollar at restaurants, drugstores, and gas stations and one point per dollar elsewhere. This card is Visa-accepted and has no annual fee, which is great!

Overall, another top gas and grocery credit card.

Rewards Details:

• Introductory APR – The intro APR is 0.
• Annual Fee – Annual card fees are 0. Cardholders must be Amazon Prime members to get 5% cashback on Whole Foods Purchase and Amazon.com. Prime costs $119 annually. No international transaction fee, finally.
• Redeeming Rewards – You can redeem rewards in the desired amount for deposit statement credits to linked bank accounts. During checkout, you can link it to Amazon credits.
• Perks –Travel insurance covers baggage delay, travel disaster, and missing luggage.

Additional Info:

• Amazon.com and Whole Foods Market provide unlimited 5% cashback on qualified purchases.
• Drugstores, petrol stations, and eateries offer 2% limitless cashback. Every other qualified purchase earns 1% limitless cashback.
• Approval grants a $100 Amazon gift card. Check the terms and conditions for exclusions.

Pros 

• None.
• Flexible rewards redemption
• Free international transactions
• New cardholder bonus
• High payouts

Cons

• Customer or member required No 0% intro APR

3. Citi Custom Cash℠ Card – Best Credit card for Customized Rewards

What makes the Citi Custom CashSM Card one of the best grocery credit cards? It offers 5% cashback in your top spending category each billing cycle (up to $500 spent; 1% back thereafter);

Other purchases earn 1% cashback. The card has no annual charge, but new members get $200 for spending $750 in the first three months. Want more?

Rewards Details:

• Introductory APR – Balance transfers and purchases have 15-month 0% Intro APR. Depending on creditworthiness, the variable APR will be 13.99%–23.99% after this. Balance Transfers must be completed within four months of account establishment.
• Annual Fee – You enjoy 0 yearly fees.
• Credit card balance transfers cost 5% or $5. bigger amount *
• Spend $750 on additional purchases in the first three months to get $200 cashback. 20,000 ThankYou® Points equal $200 cashback.
• Every billing cycle, you can get 5% cashback on your top-ranked spending category up to $500. 1% cashback follows. All other purchases yield 15 unlimited cashback.
• No signup bonus categories rotate. As you spend in the top eligible categories, your earnings alter each billing cycle.
• Redeeming Rewards – You can cash out your points for cashback as check, direct deposit, or a statement credit.
• Other Perks – There are several ways to redeem points, including shop, travel, gift cards with Points at Amazon.com.

Additional Info

• Only Citi will issue one Citi Custom Cash℠ Card account/person

Pros

• No annual fee
• Intro APR Period
• 5% bonus categories

Cons

• Requires good or excellent credit score
• There are low rates outside bonus categories

4. Chase Freedom Unlimited® – Best for Bonus Earnings

After spending $12,000 in the first year, Chase Freedom Unlimited® gives you 5% cashback on grocery store purchases (excluding Walmart and Target). New cardholders get $200 and 5% cashback.

You can earn the $200 bonus after spending $500 in the first three months of account opening.

Rewards Details:

• Low Intro APR – From account opening, 0% intro APR on balance transfers and purchases for 15 months. After the intro period, the variable APR is 14.99%–23.74%.
• No Annual Fee – All the best Freedom Unlimited Card features are free. Foreign transactions also cost 3%.
• Cashback Rewards Don’t Expire – Cashback benefits last as long as your account does. Cashback redemption has no minimum.
• Redeeming Rewards – Amazon allows redemption for gift cards, bank account deposits, purchases, and bill credits. Chase Travel Portal purchases.
• Other Perks: Chase Freedom Unlimited provides trip interruption and cancellation insurance. This card reimburses non-refundable, prepaid passenger fares up to $1,500/person and $6,000/trip. If you missed the trip due to inclement weather, illness, or another covered reason.

Additional Info.

You can earn the following cashback:

• 5% on Chase Ultimate Rewards travel;
• 3% on pharmacy purchases;
• 3% on restaurants with qualified delivery and takeout services.
• 1.5% cashback on everything else.

Pros

• Spend $500 on purchases within three months of account opening to receive a $200 bonus.
• Unrestricted redemption.
• Cashback rewards must earn 1.5%.

Cons

• Pay 5% or $10 for cash advances.
• Balance transfers cost $5 or
• 5% of all transfers, whichever is higher.
• High 3% foreign transaction fee.

See Charges and Fee of Chase Freedom Unlimited®

5. Capital One SavorOne Cash Rewards Credit Card – Best Card For All the Foodies!

The Capital One Savor One Cash Rewards card gives you 3% cash back on groceries and there is no annual fee. It’s perfect for those who enjoy eating out or at home.

Rewards Details:

• Introductory APR –Balance transfers and purchases are 0% for 15 months from account establishment. The usual variable APR is 14.99%–24.99%.
• Annual Fee – There’s no foreign transaction and yearly fee.
• Welcome/Early Spend Bonus – Spend $500 within three months from account opening to get a $200 cash incentive.
• Earning Rewards –Except for superstores like Target and Walmart, you can get unlimited 3% cash back on grocery shop purchases. Entertainment, dining, and streaming services are included. Every other qualified purchase earns 1% limitless cash back.
• Redeeming Rewards – You can redeem for bank account deposits or statement credits in any amount of your choice.
• Other Perks – 24/7 travel support saves money. Capital One Shopping and Paribus offer extended warranties and savings on purchases. SavorOne also has Mastercard and Visa versions. Product features vary.

Pros

• Intro APR
• None.
• Free international transactions
• Bonus categories.

Cons

• Requires good or excellent credit

See Charges and Fee of Capital One SavorOne Cash Rewards Credit Card

6. American Express® Gold Card – Best for Grocery, Dining, and Travel Rewards Redemptions

The American Express® Gold Card offers high grocery shopping earning rates for frequent travelers. This card’s earnings rate is industry-leading. Membership incentives are flexible and easy to redeem.

100,000 bonus points, worth up to $0.01 per point at redemption, give you a 4% return on spending.

Rewards Details –

• Introductory APR – No intro APR. Its fees and rates page lists particular fees and American Express® Gold card rates.
• Annual fee – $250 annual fee is there.
• No Foreign transaction fee.
• Earning Rewards – Restaurant deliveries and takeouts earn 4 points per dollar. Up to $25,000 in yearly category purchases at U.S. supermarkets and restaurants earns 4X Membership Rewards Points (including delivery and takeaway).
  • Each Uber Eats purchase earns four points.
  • The cherry on top is earning 3 points per dollar spent on flight purchases directly at amextravel.com and through the airline and one point per dollar spent on all other qualified transactions.

• Welcome Bonus Offer:Spend $4,000 on your American Express Gold card in the first six months to receive 60,000 Membership Rewards points.
• Redeeming Rewards:The American Express membership rewards portal offers statement credits, Uber trips, gift cards, travel bookings, and general items for this supermarket rewards card.
  • The minimum redemption amount begins at 1,000 points. Also, the most valuable points range between $0.005 and $0.01 per piece.
• Other Perks:This card offers $10 monthly meal credits worth $120 per year. After adding your American Gold Card as a payment method, you can receive $10 in Uber Cash every month, or $120 per year. Finally, this card’s features require enrollment.

Pros

• Affiliates
• Bonuses
• Flexible reward redemption

Cons

• Requires good or excellent credit score
• Intricate rewards

See Charges and Fee of American Express® Gold Card

7. Target RedCard™ Credit Card – Best Grocery Store Credit Card For Fair Credit

“One-stop shoppers” should use Target RedCard. This card gives you 5% off most in-store purchases, including groceries, saving you a lot of money. The deal applies to delivery, pickups, and online orders.

This card gives Target loyalists big discounts.

Rewards Details:

• Introductory APR – It’s 0%, and the Regular APR variable is 22.90%.
• Annual Fee – It’s $0. You can make more than $40 with your new card.
• Bonus Offer –When you get a debit or credit RedCard, you get $40 off future eligible purchases over $40.
• Foreign Transaction Fee – There is 0 foreign transaction fee.
• Other Perks – Free two-day shipping on thousands of goods. Know market exclusions. Target Marketing Emails signups receive a 10% discount on cardholder anniversaries.

Additional Info:

• Exclusive discounts and goods.
• Target.com and Target provide 30-day returns.
• Target.com and Target offer 5% off daily.
• Target Redcard holders save 5% at Clearance, Target Subscription, any in-store Starbucks, Speciality gift cards, Drive Up service, Shipt, and Top deals.
• Check your Target Credit Card balance, review past statements, and make a payment.

Pros

• Loyalty rewards for customers
• No annual fee
• Bonus offer for new cardholders

Cons

• Should be a customer or member
• High APR
• Limited redemptions
• You require a good or excellent credit score (i.e., between 700 and 790).

8. Bank of America® Customized Cash Rewards credit card – Best for Less Common Bonus Categories

For those who shop at Costco, Sam’s, or B.J.’s and a supermarket, the Bank of America® Customized Cash Rewards is the best option.

Rewards Details:

• Introductory APR Offer –Your first 15 payment cycles have 0% APR for purchases. Balance transfers within 60 days of account establishment are also covered. After the intro APR ends, a 13.99% to 23.99% variable APR applies. Balance transfers cost 3% (minimum $10).
• Annual Fee – There’s no annual fee.

• Welcome Bonus Offer –After spending $1,000 in the first 90 days, you’ll get a $200 online rewards incentive.
• Redeeming Rewards – All qualified categories receive 3% cashback. Earn 2% cashback at wholesale clubs and grocery retailers, up to $2,500, including quarterly purchases. Get 1% limitless cashback on all other purchases.
• Other Perks – Having a lot of cash in all qualifying accounts might boost your Bank of America preferred rewards programme earnings by 75%.
  • Drawback –Without the Bank of America’s preferred rewards programme, other cards may provide you higher purchasing returns.

Pros

• Intro APR
• None.
• New cardholder bonus
• Great member benefits
• Rotating bonus categories

Cons

• Needs outstanding credit (690-850)
• Rewarding
• Bonus spending limits
• Exclusive rewards

See Charges and Fee of Bank of America® Customized Cash Rewards Credit Card

9. Citi Premier® Card – Most Lucrative Set of Bonus Categories You’ll See Offered on Any Card

Supermarkets, petrol stations, and restaurants earn Citi Premier® Card bonus points. Frequent overseas travelers get the best rates. 2023’s top gas and grocery credit card

Rewards Details:

• Introductory APR – There’s 0% intro APR, and then the regular variable APR is 15.99%-23.99%.
• Annual fee – $95
• Welcome/Sign up Bonus –Spend $4,000 within three months of account opening to gain 80,000 points.
• Redeeming Rewards – Travel, petrol stations, groceries, motels, and restaurants earn three points each dollar. Earn one point per dollar on other qualified purchases.
• Other Perks – Citi Premier cardholders can redeem Citi ThankYou Points for various incentives or transfer them to airline partners. ThankYou Points can be pooled like other programmes.

Pros

• Rewards don’t expire
• Bonus categories

Cons

• You require a good/excellent credit score (690-850).
• Has annual fee

See Charges and Fee of The Citi Premier® Credit Card

10. Blue Cash Everyday® Card from American Express – No Annual Fee Alternative; Best cashback Grocery and Gas Rewards

If paying a yearly fee is unpalatable, your household budget goes mostly to stocking your fridge, closets, and gas tank. The American Express Blue Cash Everyday® Card should be obtained.

Rewards Details:

• Intro APR & Plan It Fees –0% intro APR purchases for 15 months from account opening. Regular variable APR is 13.99%–23.99%.
• Annual fee: $0
• Welcome Bonus Offer –Spend $2,000 in the first six months of card membership to get a $200 statement credit.
• U.S. stores provide 3% return on up to $6,000 yearly. Then, 2% cashback at U.S. gas stations and select department stores and 1% on other purchases.
• Redeeming Rewards – U.S. stores provide 3% return on up to $6,000 yearly. Then, 2% cashback at U.S. gas stations and select department stores and 1% on other purchases.
  • You can receive cashback in Rewards Dollars’ form to quickly redeem for statement credits.
• Other Perks –Despite the annual charge, Blue Cash Every Day’s brother, Blue Cash Preferred® Card from American Express, will provide you greater cashback on groceries and other grocery items above $61 each week.

Pros

• No annual fee
• Introductory APR offer on all eligible purchases
• There’s an above-average earning at U.S. supermarkets, select department stores, and gas stations.

Cons

• Rewards start at $25.
• The extra earnings are limited to $6,000 in yearly U.S. supermarket spending.
• Rewards outside bonus categories are 1% cashback.

See Charges and Fee of Blue Cash Everyday® Card from American Express

Pad Up Your Savings By Choosing the Best Credit Card for Gas and Groceries for You!

How to maximize your gas and grocery credit cards is the key question, right? You need to know what kind of shopper you are and how you fill up your tank to determine the best credit card.

Always carry that card when grocery shopping or filling up. Earn incentives or sign-up bonuses to pay for gasoline and groceries.