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Our picks for the best grocery and gas credit cards include cards from American Express (two of which are award winners), Citi, Wells Fargo (another award winner), and a card from Chase, Bank of America, and U.S. Bank. But why these? In addition to outstanding rewards at gas and or grocery stores, many of these cards also offer great rewards and exclusive benefits in other categories, and some also feature attractive introductory offers.
Blue Cash Preferred® Card from American Express
This American Express card is one of our favorites. It won for the best grocery credit card in our 2024 award picks. With this card's 6% cash back rates, it's easy to understand why our experts are so high on it.
This card is best for: Families, couples, and anyone who spends heavily on groceries and gas can get a ton of value from this card.
Apply now for the Amex Blue Cash Preferred
Wells Fargo Autograph℠ Card
If you want to earn bonus points on gas, travel, dining, and phone service, you could get a few different credit cards with those bonus categories. Or, you could just go with this Wells Fargo card (see rates and fees). It earns 3 points per $1 in all those categories, plus transit and popular streaming services. It has one of the most rewarding and diverse sets of bonus categories we've seen.
This card is best for: People who prefer going out to eat over cooking at home, since it offers bonus restaurant rewards.
Apply now for the Wells Fargo Autograph Card
Citi Custom Cash® Card
Wouldn't it be nice if your credit card always earned bonus rewards wherever you spent the most? That's exactly how this cash back card from Citi works. Every billing cycle, it earns 5% cash back in your top eligible spending category, up to a spending cap of $500 per billing cycle.
This card is best for: People who don't want to keep up with bonus categories or activate them. Citi will automatically reward you where you spend the most.
Apply now for the Citi Custom Cash Card
Citi Strata Premier℠ Card
This Citi card is a rarity -- a travel rewards card that earns bonus points at supermarkets and gas stations (along with several other spending categories). Citi ThankYou® points can be useful on every trip. You can get a value of $0.01 per point for travel bookings on thankyou.com, or you can transfer your points to one of Citi's many travel partners.
This card is best for: Someone who loves seeing new places and booking exciting vacations, as this Citi card is great for earning big travel rewards on everyday expenses.
Apply now for the Citi Strata Premier℠ Card
Bank of America® Customized Cash Rewards credit card
With most gas and grocery cards, the card issuer decides on the bonus categories. With this card, you get to decide where you earn bonus cash back every quarter, so you can pick the category where you expect to spend the most.
We'd be remiss not to mention the Bank of America Preferred Rewards program, which is available to clients who meet balance requirements across their Bank of America and Merrill accounts. Depending on your qualifying balances, you can get 25% to 75% more cash back on purchases.
This card is best for: Preferred Rewards members, or if you're open to managing banking and investments with Bank of America.
Apply now for the Bank of America Customized Cash Rewards
American Express® Gold Card
Most grocery cards only offer bonus rewards on food you buy at the grocery store. This American Express card offers that, plus spectacular perks when you go out to eat and order in, too. It earns 4 points per $1 on restaurants worldwide (including U.S. takeout and delivery), at U.S. supermarkets, and offers up to $120 in annual dining credits. Terms apply.
This card is best for: Foodies who love going out to eat or frequent travelers who spend a lot on food, including at restaurants and supermarkets.
Apply now for the Amex Gold Card
Blue Cash Everyday® Card from American Express
If you want to earn bonus cash back on everyday expenses without paying an annual fee, this card is a great choice (see rates and fees). It earns 3% cash back across three of the most popular spending categories: U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations. There's a $6,000 yearly spending cap for the bonus rate in each of those categories. Terms apply.
This card is best for: Frequent online shoppers, as they can get bonus rewards on U.S. online retail purchases and flexible repayment options.
Apply now for the Amex Blue Cash Everyday
Wells Fargo Active Cash® Card
For competitive cash rewards on gas, groceries, and all your other everyday purchases, this Wells Fargo card is a winner (see rates and fees). It earns an unlimited 2% cash rewards on purchases, the highest flat rate we've found. Since that rate applies to all eligible purchases, you don't need to activate or keep track of bonus categories.
This card is best for: Anyone who wants to save time and keep it as simple as possible with their credit card, while still earning an excellent rewards rate.
Apply now for the Wells Fargo Active Cash® Card
Prime Visa
This card won't be the best grocery card if you shop at your local supermarket or wholesale club. But it's fantastic for Whole Foods and Amazon Fresh fans, earning 5% cash back on those purchases. The fact that it earns 5% back at Amazon doesn't hurt, either. You can redeem cash back on Amazon as early as the next day.
This card best for: Amazon, Whole Foods, and Amazon Fresh shoppers.
Apply now for the Prime Visa
U.S. Bank Altitude® Connect Visa Signature® Card
If you're always going somewhere, both by car and by air, this U.S. Bank card could be a big earner for you. It's a travel card with bonus gas rewards, which is a combination we don't see often. And with 4 points per $1 at gas stations, EV charging stations, and travel, it has a very high rewards rate across those three categories.
This card earns 2 points per $1 at grocery stores and on grocery deliveries. While that's a reasonable amount, we've seen cards that earn much more on groceries and would recommend one of those if you spend quite a bit in that category.
This card is best for: Frequent flyers, those who also love to go on roadtrips, or if you have a long daily commute, this card has a ton of value.