Best Credit Cards for Gas and Groceries in 2025

In 2025, navigating the ever-evolving world of credit cards tailored for gas and groceries has become increasingly vital for savvy consumers seeking to maximize their rewards and savings. With the rising costs of fuel and groceries, choosing the right credit card can make a significant impact on your budget. From cash back rewards to bonus points and discounts, the best credit cards for gas and groceries offer a range of benefits that cater to your everyday spending needs. In this article, we will explore the top credit cards that provide exceptional perks for fuel and grocery purchases, helping you make informed decisions and unlock the potential for substantial savings and rewards in your daily expenses.

If you’re looking to maximize your rewards on gas and grocery spending in 2025, here are the top credit card options:

American Express® Gold Card

• Groceries: Earn 4 points per $1 at U.S. supermarkets (up to $25,000 per year).
• Flights: Earn 3 points per $1 on flights booked directly with airlines or amextravel.com.
• Annual Fee: $250.

Citi Custom Cash® Card

• Cashback Rewards: 5% cashback on your top spending category each billing cycle (including gas and groceries), up to $500 per month.
• Other Purchases: 1% cashback.
• Annual Fee: None.

Blue Cash Preferred® Card from American Express

• Groceries: 6% cashback at U.S. supermarkets (up to $6,000 per year).
• Gas Stations: 3% cashback at U.S. gas stations.
• Annual Fee: $95.

Costco Anywhere Visa® Card by Citi

• Gas Stations: 4% cashback on eligible gas purchases (up to $7,000 per year).
• Restaurants and Travel: 3% cashback.
• Costco Purchases: 2% cashback.
• Annual Fee: Free with a Costco membership.

Wells Fargo Autograph℠ Card

• Bonus Categories: Earn 3 points per $1 on gas stations, restaurants, travel, transit, streaming services, and phone plans.
• Other Purchases: 1 point per $1.
• Annual Fee: None.

Conclusion:

By choosing the right card for your spending habits, you can earn significant cashback and rewards on your gas and grocery expenses.

Top Credit Cards with the Highest Cash Back on Groceries and Gas (2025 Edition)

If you’re looking to maximize your cash back rewards while fueling up and stocking your pantry, these credit cards offer the best returns:

1. Blue Cash Preferred® Card from American Express

• Groceries: 6% cash back at U.S. supermarkets (up to $6,000 per year).
• Gas Stations: 3% cash back at U.S. gas stations.
• Additional Perks: 6% cash back on select streaming services.
• Annual Fee: $95.

2. Citi Custom Cash® Card

• Cashback Rewards: 5% cash back on your top spending category each billing cycle (including gas or groceries), up to $500 per month.
• Other Purchases: 1% cash back.
• Annual Fee: None.

3. American Express® Gold Card

• Groceries: 4X Membership Rewards points at U.S. supermarkets (up to $25,000 per year).
• Dining: 4X points at restaurants worldwide.
• Gas Stations: 3X points on flights booked directly with airlines.
• Annual Fee: $250.

4. Bank of America® Customized Cash Rewards Credit Card

• Cashback Options: 3% cash back on a category of your choice (gas, online shopping, dining, travel, or home improvement).
• Groceries: 2% cash back at grocery stores and wholesale clubs (up to $2,500 combined quarterly limit).
• Annual Fee: None.

5. Costco Anywhere Visa® Card by Citi

• Gas Stations: 4% cash back on eligible gas purchases (up to $7,000 per year).
• Groceries: 2% cash back on Costco purchases.
• Annual Fee: Free with a Costco membership.

✅ Pro Tip:

Choosing the right card depends on your spending habits. High-spending households may benefit from the Blue Cash Preferred®, while those who prefer flexibility will love the Citi Custom Cash®.

Would you like me to create a comparison table for better clarity?

How to Choose the Best Credit Card for Gas and Grocery Spending in 2025

In an era where every dollar counts, selecting the right credit card for gas and grocery spending can lead to significant savings and rewards. Here’s a comprehensive guide to help you make an informed decision:

1. Evaluate Your Spending Habits

• Track your monthly expenses on groceries and fuel.
• Identify which category you spend more on to choose a card that offers the highest rewards.

2. Understand Reward Structures

• Flat-rate cashback cards provide consistent rewards on all purchases.
• Tiered and rotating category cards offer higher rewards in specific areas like gas stations and supermarkets.

3. Compare Interest Rates and Annual Fees

• Look for low-interest rates if you plan to carry a balance.
• Weigh the benefits of premium cards with high annual fees against the rewards they offer.

4. Analyze Cashback and Bonus Offers

• Review sign-up bonuses and promotional cashback rates.
• Check if the card offers additional perks like discounts on groceries or gas stations.

5. Assess Redemption Options

• Ensure the rewards can be redeemed for cash back, statement credits, or travel points.
• Look for flexible redemption policies and no expiration on rewards.

6. Check for Additional Benefits

• Roadside assistance for gas-related emergencies.
• Purchase protection, extended warranties, and price match guarantees for grocery items.

7. Consider Foreign Transaction Fees

• If you travel frequently, opt for a card with no foreign transaction fees.
• Some cards offer global acceptance and travel insurance as added benefits.

8. Review Customer Support and Security Features

• 24/7 customer service availability.
• Robust fraud protection and real-time transaction alerts.

9. Examine Credit Score Requirements

• Check if your credit score meets the eligibility criteria.
• Look for cards that help build or improve your credit score.

10. Read the Fine Print

• Understand terms and conditions, including blackout dates and spending caps.
• Look for hidden fees or penalties that could reduce your rewards.

By following these steps, you can select a credit card that maximizes your rewards and fits your lifestyle in 2025.

Read: Best Credit Unions for Personal Loans with Low Fees

Credit Cards That Offer Bonus Points on Supermarket and Fuel Purchases

Here’s a list of credit cards that typically offer bonus points for supermarket and fuel purchases:

1. Chase Sapphire Preferred® Card

• Bonus Points: 2x points on travel and dining, including grocery stores.
• Fuel Purchases: 1 point per dollar spent on other purchases.

2. American Express® Gold Card

• Bonus Points: 4x points at restaurants, including takeout and delivery, and at U.S. supermarkets (on up to $25,000 per year in purchases).
• Fuel Purchases: 1 point per dollar on other purchases.

3. Blue Cash Preferred® Card from American Express

• Bonus Points: 6% cash back on U.S. supermarkets (on up to $6,000 per year, then 1%).
• Fuel Purchases: 3% cash back on U.S. gas stations.

4. Citi Premier® Card

• Bonus Points: 3x points on restaurants, supermarkets, and gas stations.
• Fuel Purchases: 3x points on gas stations, 2x points on travel, and 1 point on all other purchases.

5. Discover it® Cash Back

• Bonus Points: 5% cash back on rotating categories (including grocery stores and gas stations) on up to $1,500 in purchases each quarter, then 1%.
• Fuel Purchases: 5% cash back on fuel when it is part of the rotating categories.

6. Capital One® SavorOne® Cash Rewards Credit Card

• Bonus Points: 3% cash back on dining, entertainment, and popular streaming services.
• Fuel Purchases: 1% on all other purchases, including fuel.

7. Wells Fargo Propel American Express® Card

• Bonus Points: 3x points on dining, travel, and streaming services, which includes grocery store purchases.
• Fuel Purchases: 3x points on gas stations and other purchases.

8. U.S. Bank Altitude® Go Visa Signature® Card

• Bonus Points: 4x points on dining, takeout, and delivery (including grocery store purchases).
• Fuel Purchases: 1 point per dollar on all other purchases.

9. Bank of America® Customized Cash Rewards Credit Card

• Bonus Points: 3% cash back in one of the following categories: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. 2% cash back on grocery stores and wholesale clubs (on up to $2,500 in combined grocery store/wholesale club/online shopping purchases each quarter).
• Fuel Purchases: 3% cash back on gas.

10. The Platinum Card® from American Express

• Bonus Points: 5x points on flights booked directly with airlines or through American Express Travel.
• Fuel Purchases: 1 point on all other purchases.

These cards provide an excellent opportunity to earn bonus rewards on everyday purchases like groceries and fuel, depending on how you spend.

The Ultimate Guide to Maximizing Rewards on Everyday Expenses

Maximizing rewards on everyday expenses can significantly help boost your savings and provide more value from your credit card. Here’s how to make the most of your everyday spending:

1. Use the Right Card for Each Category: Some cards offer high rewards for specific categories like groceries, dining, or gas. Choose cards that maximize rewards for the expenses you incur the most.
2. Leverage Bonus Categories: Many credit cards have rotating or fixed bonus categories that give extra points or cash back. Activate them and use the appropriate cards for the relevant categories.
3. Stack Multiple Rewards Programs: Combine credit card rewards with loyalty programs from stores or gas stations. For example, earning points from both your card and a store’s loyalty program can double your rewards.
4. Pay Bills with Your Card: Don’t forget that many utility providers and other billers allow you to pay with a credit card. This can help you earn rewards on recurring payments like rent, subscriptions, or insurance.
5. Monitor Spending Caps: Many cards offer bonus rewards up to a spending cap, like $6,000 for groceries per year. Keep track of how close you are to the cap so you can switch cards or make the most of your rewards.

Comparing Annual Fees and Benefits: Which Card is Worth It?

When choosing a credit card, the annual fee is an important factor to consider. Here’s how to compare annual fees and benefits to determine the best option:

1. Calculate Rewards vs. Annual Fee: Some cards with high annual fees offer premium rewards or benefits that justify the cost. However, low- or no-annual-fee cards might still offer significant value if your spending aligns with their rewards categories.
2. Bonus Categories: A card with an annual fee might give more value if it offers 3-5% cash back or points on everyday expenses like groceries, dining, or gas. For example, a $95 annual fee may be worth it if you can earn $300 or more in rewards each year from these categories.
3. Perks Beyond Rewards: Some cards with annual fees also offer valuable perks like free checked bags, access to airport lounges, travel insurance, or purchase protection. These extras can offset the cost of the annual fee if you make use of them.
4. Introductory Offers: Some cards offer large sign-up bonuses that can make an annual fee worth it, even if it seems high at first glance. Consider how much you can earn from the bonus and whether it aligns with your spending habits.

Best No-Annual-Fee Credit Cards for Gas and Groceries

If you want to avoid paying an annual fee while still earning rewards for gas and groceries, these credit cards are great options:

1. Citi® Double Cash Card: Offers 2% cash back on all purchases—1% when you buy and 1% when you pay. Great for gas, groceries, and other purchases.
2. Blue Cash Everyday® Card from American Express: Earns 3% cash back at U.S. supermarkets (on up to $6,000 in purchases per year) and 2% cash back at U.S. gas stations.
3. Chase Freedom Unlimited®: Provides 1.5% cash back on all purchases, with no annual fee, and offers a solid introductory bonus.
4. Wells Fargo Active Cash® Card: Earns 2% cash back on all purchases, making it a straightforward option for everyday spending.
5. Discover it® Cash Back: Offers 5% cash back on rotating categories like gas stations and grocery stores, up to a quarterly limit. It’s a great no-annual-fee card for those who are willing to keep track of rotating categories.

How to Stack Rewards and Cash Back for Maximum Savings

Stacking rewards is a great way to maximize your credit card earnings. Here’s how to do it effectively:

1. Use the Right Card for the Right Purchase: For example, use your card that gives 3% back at supermarkets when grocery shopping, and your card offering 5% cash back at gas stations when fueling up.
2. Take Advantage of Sign-Up Bonuses: Many credit cards offer generous sign-up bonuses that you can redeem after meeting spending requirements. Use your new card for everyday expenses to hit the bonus threshold faster.
3. Combine Store Rewards: Many stores offer loyalty programs that give points or discounts for purchases. Combine those with credit card rewards to double your savings.
4. Use Coupons or Cashback Apps: Pair your credit card rewards with cashback apps like Rakuten or Honey for additional savings.
5. Transfer Points to Airline or Hotel Partners: If your card offers transferable points (like Chase Ultimate Rewards or American Express Membership Rewards), consider transferring them to airline or hotel partners for higher value.

Hidden Perks and Benefits of Grocery and Gas Credit Cards

Many grocery and gas credit cards come with hidden benefits that you might not be aware of. Some valuable perks include:

1. Price Protection: Some cards offer price protection, allowing you to get a refund if the price of an item you purchased drops within a certain time frame.
2. Purchase Protection: Many cards offer purchase protection or extended warranties on items you buy, especially with larger purchases like appliances or electronics.
3. Roadside Assistance: Some gas station credit cards come with roadside assistance benefits, including flat tire or lockout assistance.
4. Free Shipping: Cards like the Blue Cash Preferred® Card from American Express often provide free shipping benefits for certain retailers or online stores.
5. Travel Insurance: Credit cards that offer rewards on gas may also come with travel-related insurance, such as rental car coverage or emergency medical assistance when you use the card to pay for travel.

Tips for Using Credit Cards to Cut Down on Fuel and Food Costs

Here are some tips to help you reduce your fuel and food costs using your credit card:

1. Take Advantage of Gas Station Rewards: Many gas stations offer rewards programs. Sign up and pair these with your rewards credit card to maximize savings.
2. Use Grocery Store Cards: Use cards that offer bonus rewards for grocery shopping, especially if you shop at major grocery chains or use delivery services.
3. Plan Purchases for Bonus Categories: If your card offers rotating bonus categories (e.g., 5% back on gas or groceries for a certain period), plan your spending around those times to maximize your rewards.
4. Combine Credit Card Benefits with Store Loyalty Programs: Many grocery stores offer additional discounts or rewards for using their loyalty card. By combining these with your credit card’s rewards, you can significantly cut down your food costs.
5. Shop in Bulk: Purchasing groceries in bulk at warehouse stores can help you save money and maximize your rewards.

Understanding Credit Card Reward Programs for Everyday Shoppers

Credit card rewards programs can seem overwhelming, but understanding how they work will help you make smarter decisions. Here’s a breakdown:

1. Cash Back vs. Points: Cash-back cards give you a direct percentage of your spending, while points cards require you to redeem points for rewards like travel or merchandise.
2. Bonus Categories: Many cards offer higher rewards for specific categories like dining, groceries, or gas. Understand which categories your card rewards to maximize benefits.
3. Redemption Options: Look at the different ways you can redeem your rewards. Some cards offer flexible redemption options like travel bookings, gift cards, or statement credits.
4. Expiration Dates: Ensure you’re aware of any expiration dates on your points or rewards. Some programs may have a deadline for redemption or require you to use points within a certain time frame.
5. Program Limitations: Be mindful of caps on bonus categories. For example, you may only earn higher rewards on grocery purchases up to $6,000 per year, after which the rate drops.

Frequently Asked Questions

1. Which card is the best for grocery and gas rewards? The best card depends on your spending habits, but the Blue Cash Preferred® Card from American Express offers excellent rewards for both categories.
2. How can I maximize my rewards at grocery stores? Use a credit card that offers 3% or more back at grocery stores, and consider combining it with store loyalty programs for additional savings.
3. Can I use credit card rewards to pay for gas? Yes, many credit cards offer cash back or points for fuel purchases, and some even offer higher rates for gas station purchases.
4. Do credit card rewards expire? Some credit card rewards may expire after a certain period, so check the terms and conditions of your card’s reward program.
5. Are there any no-annual-fee cards with good grocery and gas rewards? Yes, cards like the Citi® Double Cash Card and Chase Freedom Unlimited® offer solid rewards without an annual fee.