10 Best Credit Cards For Gas And Groceries – [Fees, Pros and Cons, and Other Charges]

Grocery shopping is a part of our everyday lives, and we should be rewarded for it. Wait, what if we say you can be rewarded and even save big dollars on your purchase? 

It’s true, there are many credit cards for gas and groceries that you can use at the supermarkets and claim high discounts and cash-back rewards. In this blog, we have curated a list of the best credit card for groceries that every household must use. 

Let’s dive right in and check out the card with its features and maintenance costs. 

• APR: 0% for 12 months on purchases and balance transfers
• Annual Fee: $0 for the first year, then $95
• Accepted Credit: 690-850 (Good — Excellent)

This American Express card comes with no annual maintenance fees and gives tons of rewards and cash back. You can get Disney+, Hulu, and ESPN+ subscriptions at discounted prices and even claim a Home Chef meal kit subscription. It gives you 3% cash back on spending $6,000 per year in US Supermarkets, online retail purchases, and gas stations. 

Pros	Cons
Generous reward rate.	Requires credit score above 690.
Many bonus categories.	Charges annual maintenance fees.
0% intro APR period.	The spending limit on the bonus rewards.
Cash backs on purchases.

• APR: 19.24%-29.24%
• Annual Fees: $0
• Accepted Credit: Excellent to Good 

Citi Custom Cash card is one of the popular credit cards for gas and groceries, and it has an uncomplicated yet valuable cash back and rewards program. You can use the card in restaurants, grocery stores, gas stations, fitness clubs, drugstores, and live entertainment places to get plenty of discounts. 

Cardholders also get $25 in every billing cycle by spending $500 in the eligible spending categories. Plus, get $200 cashback after spending $1500 within the first six months. 

Pros	Cons
5% cashback on all eligible purchases.	Charges money for balance transfer.
2% cashback on everyday purchases.	Has variable APR.
MasterCard protection and welcome bonus.	Only accepts people with good FICO scores.

• APR: 19.99% — 29.99%
• Annual Fee: $0
• Accepted Credit: Excellent to Good

If you are looking for a flexible every day cash-back card, Capital One SavorOne is your friend. With a high reward rate, welcome offers, and so many more features, you can enjoy using it while building your FICO score. 

Get 8% cash back on entertainment, 5% cash back on travel, and 3% cash back on groceries and gas. Moreover, you can claim discounts in purchasing flight tickets, booking premium restaurants, and making mortgage payments. 

All you need to do is, go to the official card portal, check the eligibility, submit documents, and fill out the application. That’s it, you’ll receive the confirmation mail within 24 hours. 

Pros	Cons
Welcome bonus and high redemption rate.	No rewards on Target and Walmart shopping.
8% cash back on events, live entertainment, and dining.	No intro APR offer.
No foreign transaction fees.	Only gives access to Amazon Prime.

• APR: 20.24% — 28.99%
• Annual Fee: $0
• Accepted Credit: Excellent to Good 

DoorDash Rewards MasterCard gives a free year of DashPass, 4% cash back on DashDoor and Caviar orders, 3% cash back on dining, 2% on grocery, and 1% on all purchases. It also gives statement credit and the best part is the rewards do not expire until the account remains active. 

Not only that, DoorDash is the only grocery store credit card that offers 10% cash back on convenience stores, grocery, alcohol, and DashMart. 

Pros	Cons
Flexible rewards and redemption.	Requires good to excellent FICO score to qualify.
No expiry date for the accrued rewards.	No intro APR period.
No annual maintenance fees.
Elite MasterCard benefits.

Check Out: SoFi Bank Review 2024: Extensive Guide on Savings and Checking Accounts

• APR: 18.24% — 28.24%
• Annual Fee: $0
• Accepted Credit: Good to Excellent 

Discover it Cash Back Credit Cards are the best to use when starting with rewards cash back cards. It offers a straightforward claim process and simple rewards upon everyday purchases. The card does not have any cap on a collection of rewards and comes with 0% intro APR for 15 months. 

What makes this card appealing to users is its rotating 5% cash back quarterly in all the eligible categories. 

Pros	Cons
Monthly credit score report.	Charges variable APR.
$0 fraud liability protection.	Balance transfer fees upto 5%.
Freeze feature to turn off and on the usage through the app.
No annual fees.

• APR: 21.49% – 28.49%
• Annual Fee: $95
• Accepted Credit: Excellent to Good

Another of the best credit card for groceries that can be used for multiple purposes. Chase Sapphire is the top choice even for travelers, as it gives plenty of deals and discounts on travel purchases. 

The card issuers hold a Pay Yourself Back program that lets you redeem rewards in all the eligible categories and gives 10% anniversary bonus rewards. Moreover, it allows you to transfer reward points to another credit card of the company. 

Pros	Cons
High redemption rate.	Charges high annual fees.
5 points for every dollar spent.	No intro APR offer.
No foreign transaction fees.	High rewards can only be accessed from the card portal.

• APR: 19.24% — 29.24%
• Annual Fee: $0
• Accepted Credit: 690-850 (Good — Excellent)

Bank of America custom cash credit cards are a great choice despite its complicated rewards programs. This card lets you choose categories on your own for 3% cash back. You can make changes to the selection at the start of each month to reap heavy benefits on purchases and even take out cash from the credit card. 

It also gives a $200 sign-up bonus upon spending $1000 within the first 90 days. Cardholders must enroll in the rewards program to enjoy all the benefits of using the card. 

Pros	Cons
No annual fees.	Has spending limit on rewards.
New cardholder bonus and rewards.	Requires good to excellent score to qualify.
Great rotating bonus categories.	Not many rewards specifically for groceries and gas.
Gives an intro APR period.

• APR: 20.49% — 29.24%
• Annual Fee: $0
• Accepted Credit: 690-850 (Good — Excellent)

This is the Amazon store card, beneficial if you are a loyal customer of the store. With this card, get 5% cash back on Whole Foods and Amazon.in, 5% rewards on Chase Travel shopping, 2% on restaurants and gas, and 1% on all other purchases. 

Plus, you get an Amazon gift card worth $100 as a signup gift. It also gives extended warranty, Visa signature concierge service, and travel protections. 

Pros	Cons
High rewards redemption.	Must be a member or customer of Amazon.
No foreign transaction fees.	Does not offer a 0% intro APR period.
Does not charge any annual fees.

• APR: 18.24% — 32.24%
• Annual Fee: $0
• Accepted Credit: Average to Excellent 

Next on our list of best credit card for grocery rewards is the Petal 2 Visa Credit card. These are the best cards to go for if you have limited credit history. It does not have any annual fees and gives an earning potential of upto 1.5%. You can even use a Petal 2 Visa account as a primary bank account to fix your line of credit. 

Plus, look up the limited offers giving 2-10% cash back on spending on selected merchants. 

Pros	Cons
No annual fees, foreign transaction fees, or late fees.	No intro APR period.
Do not ask for a security deposit.	Does not give cash advances and balance transfers.
Does not need a credit check.	People with a damaged credit history can not qualify.

• APR: 29.99% (variable)
• Annual Fee: $0
• Accepted Credit: Average to Excellent 

This is the secured credit card that gives endless earning potential on groceries and gas. You can get 5% cash back on the first purchase of $2000, 2% on categories of your choice, and 1% on all other purchases. 

It gives Visa signature card protection and an autopay feature that helps to build credit history. 

Pros	Cons
No annual maintenance fees or late charges.	Requires security deposit for card issuing.
Has introductory offer of 0% APR for first 15 months.	Has a high APR.
High rewards redemption rate.	Charges foreign transaction fee of 3%.

So these are the best credit card for groceries that you must get your hands on. As we have listed the positives and negatives of each card, it will simplify your process of sorting out the best one for you. You can check out the tips listed in the following section to learn how to pick the right one for you. 

How to Pick the Right Credit Cards For Gas And Groceries?

Finding a credit card that fulfills all your needs is always challenging. However, you can follow the tips given below to embark on a successful search journey. 

• Check Your Credit Status: You can not apply for any premium card if you do not have a good FICO score. To explore and apply, you must know your credit status. Once you know it, search for the best credit card for groceries, gas, and other purchases that give rewards and help to build credit. 

• Compare Benefits: Each card offers unique features. You must check them out and see if you want it or not. Do not get tempted by shiny benefits. Make sure to tick off your real needs. 

• Know the Fees and Other Charges: Credit cards with no annual maintenance fees and minimal APR are the best ones. It is crucial to check the annual fees, foreign transaction fees, late fees, and other charges to get a clear picture if the card fits your pocket. 

By following these simple tips, you’ll be able to pick the best credit card for groceries and gas. 

So this was the list of 10 best grocery store credit card for everyday use. We hope this blog has provided all the necessary information and support in picking the best card for you. Don’t forget to share the info with your friends and family to help them in their credit card search journey. 

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