Credit Cards » Compare Credit Cards » Best Gas & Grocery Credit Cards of 2024
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Best Gas & Grocery Credit Cards of 2024

If you choose the right gas & grocery card for your needs, you may save hundreds of dollars on everyday spending. Here are our top picks:
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

How Much You Can Save With a Grocery Card?

This depends on the card you have and how much you spend on groceries every month. Using a specific grocery store card will help you save more money than if you used just a generic card with grocery store rewards. Using cashback is the best way to save money.

Some other cards offer reward points instead of cashback. Once you have enough reward points, you can use the points to buy things like flight tickets or get discounts on car rentals and hotels. This means whatever money you saved on the flight or whatever else you bought with your reward points is how much money you saved.

Here are our top pick's for 2024:

Card
Rewards
Bonus
Annual Fee

Amex gold

1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership
Review

AMEX Blue Cash Preferred Card review

1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
$95 ($0 intro for the first year) (Rates & Fees)
Review

TD Cash Credit Card

1% – 3%
$200 $200 Cash Back when you spend $500 within 90 days after account opening
$0
Review

chase_sapphire_preffered

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
$95
Review

Alliant Cash Back Visa Signature Credit Card Review

1.5% – 2.5% up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000)
None None
$99 $0 the first year, then $99
Review

Chase Freedom Flex

1-5%
$200
$0
Review

Discover it® Chrome Gas & Restaurants

1-2% 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all your other purchases
Match Bonus Discover matches all cash back you earn at the end of your first year
$0
Review

Compare Issuers: Which Supermarkets Available? 

There is a major difference between the available supermarkets of each credit card company. Here are the main things you should know of each issuer: 

You can use American Express credit cards at all major U.S. supermarkets

Supermarkets included are Gristedes, Foodtown, Meijer, Shoprite, Stop and Shop, Vons, Whole Foods, and Winn Dixie. Target and Walmart are not included. You also get higher cashback at online supermarkets including FreshDirect.

For example, the Blue Cash Preferred® Card from American Express receive 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases . Terms Apply.

With Chase grocery credit cards, you can earn up to 5% cashback on the first $1,500 spent. Major supermarket chains, small stores that mainly sell groceries, and online grocers are all included.

Delivery services for groceries are also included. You can’t earn points at Sam’s Club or Costco as well as name brand names like Walmart and Target. Dollar General and Dollar Tree are also excluded.

Citi grocery points can be redeemed at all major supermarkets only. This excludes wholesale stores like Costco and Sam’s Club. You can only use it at stores that are supermarkets and only sell food products, not places like Target and Walmart.

With the Wells Fargo cards, you get up to 10% back on grocery and gas station purchases. You can use the card at all major supermarkets and smaller convenience stores that mainly sell food.

You cannot use the card at big-name stores like Target and Walmart as these are not considered supermarkets. Wholesale stores are also excluded.

With the Bank of America cards, you get up to 2% cashback at a wide variety of stores.  You can use the card at all major supermarkets, wholesale clubs, meat lockers, bakeries, dairy product stores, and candy stores.

There is a larger variety than what’s offered by other card companies. You cannot use the card at Target or Walmart though. You also are not able to use the card at drug stores or small convenience stores.

With the Discover card, you get cashback with all purchases made at supermarkets, meat lockers, bakeries, and smaller grocery stores. You also can earn and redeem points with grocery delivery services.

Purchases made at Walmart and Target are not eligible. You also can’t use the points at wholesale clubs, discount stores, or supercenters

With Capital One cards, you can also get cashback on grocery store purchases. You can only earn and redeem points at places that are considered solely grocery stores. Capital One examines merchant category codes (MCCs) to determine whether your purchases fall into a specific category.

This excludes stores that sell products from a large variety of departments including Target and Walmart. You also can’t use the points at wholesale stores like Costco and Sam’s Club.

Discover it® Chrome Gas & Restaurants

Discover it® Chrome Gas & Restaurants

Discover it® Chrome Gas & Restaurants

Reward details

1-2% 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all your other purchases

Current Offer

Cashback Match Discover matches all cash back you earn at the end of your first year

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

15 months on purchases and balance transfers

APR

17.24% – 28.24% Variable

The Discover it® Gas & Restaurants card is a decent cash back cards for low spenders. The card offers higher cash back for gas and restaurants which is very useful categories, but the quarterly cap is not so high, therefore high spenders couldn't get too much from this card.

When it comes to rewards, cardholders earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all your other purchases. As any other Discover card, new applicants enjoy a nice sign up bonus  – Discover matches all cash back you earn at the end of your first year. In addition, the card can be relevant for those who are looking for a generous 0% intro APR.

  • Rewards Plan: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all your other purchases
  • APR: 17.24% – 28.24% Variable
  • Annual fee: $0
  • Balance Transfer Fee: 5%
  • Foreign Transaction Fee: 0%
  • Sign Up bonus: Discover matches all cash back you earn at the end of your first year
  • 0% APR Introductory Rate period: 15 months on purchases and balance transfers
  • 0% Intro APR Period
  • Gas & Restaurants cash back
  • Matches Cashback in the First 12 Months
  • No Annual Fee
  • Limit on Cash Back Spending Per Quarter
  • Low cap for Hhigher Cashback
  • There are Better Cashback Cards
  • Balance Transfer Fee

Does the Chrome Card have a cash-back rewards limit?

There is a $1,000 cap on purchases each quarter that allows you to get the bonus cashback rates. Otherwise, no limit.

Does Discover it chrome Card ask for proof of income?

No out and out request for proof of income and no transparent income requirements.

How do I redeem cash back?

You can get the rewards in the form of cash, statement credit, or gift cards.

Why did Discover it chrome Card deny me?

You might not have met all of the requirements. You can enquire as to where your application fell short. If you cannot proceed, you can look at some of the other available options.

How to maximize rewards on Discover it chrome Card?

Try to make the most of the quarterly cap on the 2% cashback for gas and dining, as well as the signup offer.

 

 

Blue Cash Preferred® Card from American Express

AMEX Blue Cash Preferred Card review

Blue Cash Preferred® Card from American Express

Reward details

1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases

Current Offer

$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months

Credit Rating

Good – Excellent

Annual Fee

$95 ($0 intro for the first year)

0% Intro

12 months on purchases and balance transfers

APR

19.24% – 29.99% Variable

The Blue Cash Preferred® Card from American Express offers an outstanding 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases , making it a suitable choice for commuters and a 2.70% fee on foreign transactions. Terms Apply.

However, warehouse clubs and superstores are not included. The American Blue Cash Preferred Card charges an annual fee of $95 ($0 intro for the first year), but you can justify this if you reach the higher cashback threshold in U.S. supermarkets. This makes the card suitable for individuals that buy or purchase their groceries at traditional supermarkets. New cardmembers can earn up to $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

  • Rewards Plan: 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
  • APR: 19.24% – 29.99% Variable
  • Annual Fee: $95 ($0 intro for the first year)
  • Balance Transfer Fee: $5 or 3%, whichever is greater
  • Foreign Transaction Fee: 2.70%
  • Welcome Bonus: $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
  • 0% APR Introductory Rate Months: 12 months on purchases and balance transfers

* Terms Apply

  • Welcome Bonus
  • Cash Back Rewards
  • 0% APR Intro
  • Redeeming Options
  • Extended Warranty on Purchases
  • $95 Annual Fee
  • Short Introductory Rates
  • Balance Transfer Fee
  • Foreign Transaction Fee
  • Minimum Redemption Amounts
  • Is there a limit to rewards/cash back? You can get the premium cashback rate on groceries until you have annual purchases in this area of $6,000. The rate then goes to 1%.
  • Can I get car rental insurance? how? Yes, you will get this insurance if you refuse the car rental company’s insurance coverage and you pay for the entire cost of the rental with this card.
  • Does it have a cash-back/point rewards limit? You can get the premium cashback rate on groceries until you have annual purchases in this area of $6,000. The rate then goes to 1%. Otherwise, there are no restrictions.
  • Do you need a proof of income?  No transparent income requirements or proof of income requests.
  • Does the rewards points expire? They do not expire once you keep your account open and meet a few basic conditions.
  • Can I get pre-approved?  Yes, you can get pre-approval.
  • What is the initial credit limit? It will be at least $1,000 and usually greater.
  • How do I redeem cash back? The rewards will be credited to you in the form of a statement credit.
The Blue Cash Preferred Card from American Express
The Blue Cash Preferred Card from American Express. Unsecured card with everyday spending benefits. (Photo by photobyphotoboy/Shutterstock)

TD Cash Card

Reward Details

1% – 3% 3% and 2% Cash Back on your choice of Spend Categories (you can switch your categories quarterly), and 1% Cash Back on all other purchases

Current Offer

$200 $200 Cash Back when you spend $500 within 90 days after account opening

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

12 billing cycles on balance transfer

APR

20.24% – 30.24% variable

The TD Cash Credit Card is a no annual fee card that provides attractive cashback rewards model.

These rewards are earned in the form of points that can be redeemed for cash back, electronics, gift cards, and travel benefits. The fact that your points have no expiration date is a significant feature of this card; thus, you can redeem them whenever you want. There are, however, minimum redemptions for each category.

The TD Cash Credit Card is ideal for those who tend to eat outside as well as for those who are mainly interested in everyday purchases rewards. It can be a perfect fit if you already have a TD bank account.

  • APR: 20.24% – 30.24% variable
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: None
  • Rewards Plan: 3% and 2% Cash Back on your choice of Spend Categories (you can switch your categories quarterly), and 1% Cash Back on all other purchases
  • Sign Up bonus: $200 Cash Back when you spend $500 within 90 days after account opening
  • 0% APR Introductory Rate period: 12 billing cycles on balance transfer
  • Bonuses and Rewards
  • No Foreign Transaction Fee
  • 0% Intro APR
  • No Annual Fee
  • Limited Availability
  • Redemption Limits

Chase Sapphire Preferred® Card

chase_sapphire_preffered

Chase Sapphire Preferred® Card

Reward details

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.

Current Offer

60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

N/A

APR

21.24%–28.24% variable APR

The Chase Sapphire Preferred® Card is a travel rewards card issued by Chase Bank. This is a very popular travel rewards card because it offers a large sign-up bonus and the card is built around traveling. Many travel rewards cards have higher annual fees for the same kind of rewards. The card offers a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

This card is on our top spot in regards to the best traveling and dining cards as they offer you more points compared to other cards – 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases. . If you're looking for everyday spending card, you may want to compare the Preferred card with the Amex Blue Cash Preferred.

  • Rewards Plan: 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
  • APR: 21.24%–28.24% variable APR
  • Annual fee: $95
  • Balance Transfer Fee: 5% or $5, whichever is greater
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • 0% APR Introductory Rate: N/A
  • Point Sign-Up Bonus
  • Bonus Points
  • No Blackout Dates
  • 25% More through Ultimate Chase Rewards
  • No Foreign Transaction Fee
  • $95 Annual Fee
  • Low Merchandise Rewards
  • No Introductory 0% 
  • Balance Transfer Fee – 5% or $5, whichever is greater
  • Does the travel rewards points expire? Your points won’t expire once you keep the credit card account open.
  • Does card Chase Sapphire Preferred offer pre-approval? Yes, you are able to pre-qualify for this card.
  • What is the initial credit limit? The minimum credit limit that you can get with this card type is usually $5,000.
  • How do I redeem cash back? You can redeem your points in a variety of ways through the Chase credit card reward portal. Some of the perks you can get include cash, travel credit, statement credit, and gift cards.
  • What purchases don't earn cash back? All purchases will earn cashback through this card.
  • Should You Move to Chase Sapphire Preferred card?  If you travel frequently and do not want to pay a large annual fee.
  • Why did the Chase deny me? You might not have met one of its requirements. You will usually find out where you fell short. You might be able to rectify the issue or you might have to look elsewhere.
  •  How hard is it to get a Chase Sapphire Preferred card? If you meet all of the requirements, then it is relatively straightforward to get a Chase Sapphire Preferred card. The requirements are easier compared to Chase Sapphire Reserve card.
  • Is there a limit to rewards/cash back on the Chase Sapphire Preferred card? No limit
  • Can I get car rental insurance with a Chase Sapphire Preferred card? how? Yes, you can get car rental insurance with this card if you decline the collision cover of the rental company and pay for the entire cost of the rental car with this card.
Sapphire Preferred overview on Chase app
Sapphire Preferred overview on Chase app (Screenshot taken by our team from Chase app)

Alliant Cashback Visa® Signature Credit Card

Alliant Cash Back Visa Signature Credit Card Review

Alliant Cashback Visa® Signature Credit Card

Reward Details

1.5% – 2.5% up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000)

Current Offer

None None

Credit Rating

Good – Excellent

Annual Fee

$99

0% Intro

None

APR

17.49% – 27.49% (Variable)

The Alliant Cashback Visa® Signature Credit Card is a high-earning card aimed at heavy spenders with good credit. Its main selling point is its flat-rate cash back rewards of 2.5 percent that can be accumulated for up to five years. What distinguishes this offer is that the cash back rate is not affected by the category or merchant. You can spend with confidence knowing that you will receive the same rewards regardless of how much you spend.

However, in order to receive the higher cashback, you must be a Tier One Rewards member and meet some specific requirements . Overall, the Alliant Visa Signature Credit Card is an excellent rewards card with a cash back rate that is difficult to beat. It's straightforward, with a sizable credit line and clear rewards. There are no complicated bonuses or categories to remember. However, there is an annual fee, so make sure you can afford it.

  • APR: 17.49% – 27.49% (Variable)
  • Annual fee: $99
  • Balance Transfer Fee: 3%
  • Foreign Transaction Fee: $0
  • Rewards Plan: up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000)
  • Sign Up bonus:None
  • 0% APR Introductory Rate period: None
  • High Rewards Rate & Sign Up Bonus
  • Cashback Rewards
  • Debt Protection Plan
  • Fraud Protection
  • Annual Fee
  • Higher Cash Back Requirements

American Express® Gold Card

Reward details

1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases

Current Offer

60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

Credit Rating

Good – Excellent

Annual Fee

$250

0% Intro

N/A

APR

21.24% – 29.24% Variable

The American Express® Gold Card is a credit account that offers many benefits to clients. First-timers stand a chance to earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. In terms of rewards, you can earn 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases.  

Other premium benefits include a dedicated service team, up to $120 in Uber Cash (enrollment required), preferred seating at sporting and cultural events, signature perks at upscale hotels, fraud Protection, and baggage insurance for up to $500 for carrying checked baggage and $1,250 for carry on.  

  • APR: 21.24% – 29.24% Variable
  • Annual fee: $250
  • Balance Transfer Fee: N/a
  • Foreign Transaction Fee: None
  • Rewards Plan: 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
  • Welcome bonus: 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership
  • 0% APR Introductory Rate period: N/A
  • Welcome Bonus + Premium Point Rewards Rate
  • No Foreign Transaction Fees
  • Special Gold Status Perks
  • $250 Annual Fee
  • High Requirements
  • Is there a limit to rewards? There is a cap on getting the premium rate of cashback on certain types of purchases.
  • Can I get car rental insurance with Amex Gold CardYes, you will get it automatically once you decline the car insurance from the rental company and you pay the full rental charge using this card.
  • What are Amex Gold Card income requirements? There is no out and out income requirement outlined by Amex when it comes to the Gold card.
  • Does card Amex Gold points expire? They do not have an expiration date.
  •  How do I redeem cash back on Amex? There is a points-based system. You can redeem the points for a variety of rewards that are showcased on the Amex website. These include statement credit, gift cards, paying for certain services etc.
  • What purchases don't earn rewards? The minimum rate is 1 point for every $1 spent.
  • Should You Move to Amex Gold CardIf you need a versatile card that covers a wide range of purchases, with a main focus on travel-related purchases and perks.
  •  Why did Amex deny me?  You might not have met one of the requirements. You can ask the customer support team if there is something you can do to change this eventuality. Otherwise, you can look for an alternative card.
  • How to maximize rewards on Amex Gold Card? Use it for a versatile range of purchases, make sure you are aware of the different perks and credit that you get with this card.
  • Top Reasons NOT to get the  Gold Card? If you do not travel a lot.
  • Can I get pre-approvedYes, you can get pre-approval.
  •  What is the initial credit limit? The credit limit will usually be at least $5,000.
Book travel with Amex gold points
Book travel with Amex gold points (Screenshot taken by our team from American Express app)

Chase Freedom Flex℠ Card

Chase Freedom Flex

Chase Freedom Flex℠ Card

Reward details

1-5%

Current Offer

$200

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

15 months on purchases and balance transfers

APR

20.49%–29.24% variable

If you have a high credit score and want a card to capture your spending habits with no extra cost. The Chase Freedom Flex℠ Card has a $0 annual fee, and you can earn 5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases.

The sign up bonus includes $200 bonus after you spend $500 on purchases in the first 3 months from account opening. For those who are looking for Chase card with no annual fee, it wirth comparing the Freedom Flex vs the Freedom Unlimited card.

  • Rewards Plan:
  • APR: 20.49%–29.24% variable
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 5% (the greater)
  • Foreign Transaction Fee: 3%
  • Sign Up bonus:
  • 0% APR Introductory Rate period: 15 months on purchases and balance transfers
  • Sign Up Bonus
  • No Annual Fee
  • 0% Intro APR 
  • Protection & Free Credit Score
  • Higher cashback Bonuses has a Cap
  • Balance Transfer Fee
  • Foreign Transaction Fee
  • Is there a limit to cashback? There is a cap on the bonus categories whereby it will cover up to $1,500 of relevant purchases per quarter.
  •  Can I get car rental insurance with a Chase Freedom Flex card? Yes, when you rent the car and pay for all of it with this card and do not accept coverage from the rental company.
  •  What are Chase Freedom Flex card income requirements? No specific income requirements and it does not usually ask for proof of income requirements.
  • Does card Chase Freedom Flex offer pre approval? Yes, you can get pre-approval.
  • What is the initial credit limit of the Freedom Flex? The initial credit limit varies, but can often be between $300 and $1,000. The average limit for this card is $3,000.
  • How do I redeem cashback? You go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards.
  • What purchases don't earn cashback? All purchases earn cashback with this card.
  • Should You Move to Chase Freedom Flex card?  This is a good fit for people who are looking for good cashback rates, as well as getting access to quarterly bonus categories for enhanced rates.
  • How hard is it to get it? It is not very hard to get this type of card once you meet all of the straightforward requirements.
  • How to maximize rewards on Chase Freedom Flex card? You go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards. To maximize rewards, you should make sure that you take advantage of the bonus categories and leave the other types of purchases that are not covered by an enhanced rate to another card. This is because you will only get 1% cashback on non-covered purchases.
  • Top Reasons NOT to get the Chase Freedom Flex card? If you make a lot of purchases not covered by the respective categories and will only get 1% cashback on them. You may also travel a lot and not want to pay the 3% foreign exchange transaction charge that comes with this card.
Chase Freedom Flex redeem rewards on benefits and travel
Redeem Chase Freedom Flex rewards (Screenshot from Chase app)

Understand How Gas & Grocery Credit Cards Work

What is a Grocery Store Credit Card?

A grocery store credit card is a special credit card that you use to buy groceries at major supermarkets, or in some cases, convenience stores. Each time you buy groceries, you will be able to receive cashback or points that you can redeem later.

Many American families use grocery store credit cards because it allows them to save money on food. Food is often the largest purchase within households and having a credit card with rewards can help you save money on what’s most important.

save money by Shop For Groceries In Bulk
(Photo by ViDI Studio/Shutterstock)

How to Pick the Right Gas & Grocery Card?

Grocery store cards are a great way to save money on your weekly trips to the supermarket. If you have many mouths to feed, they can be especially helpful in saving money for the entire family.

Here are the 5 main features to look for that might surprise you:

  • Annual fee. Many grocery store cards don’t have annual fees for the first year. This allows you to start earning rewards and points right away without needing to pay any money.
  • Most grocery store credit cards give you direct cashback. Once you pay the credit card bill back at the end of the month, you will be able to get a portion of the money back directly into your pocket. This gives you more money to spend on the next grocery store run.
  • Use them at all supermarkets. Most cards allow you to spend at all major supermarkets making shopping easy.
  • Welcome bonus. Receive a welcome bonus to spend at the grocery store once you spend a certain amount with the first 90 days. Many of the cards above including on our best cards with high sign up bonus list.
  • Use grocery points for travel. Redeem your grocery store reward points for other things like airline tickets or travel.

How Do You Shop?

Picking the right grocery store credit card depends on how you shop and where you like to get your groceries. Whether you shop in person or have your groceries delivered will also affect which card you should get.

For example, the Amazon Prime Rewards Visa Signature Card offers you 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases. Getting one of these cards will help you earn cashback and get a discount on your groceries.

Pay Attention To Excluded Stores

Most grocery reward cards exclude big-name stores and wholesale stores like Costco and BJs. If you prefer to get all your groceries at one of these places, you might be better off getting a store credit card to that place instead of going for a grocery credit card.

Most grocery credit cards also don’t allow you to use them at big-name stores like Walmart and Target. Since both of these stores now offer food and grocery sections, you might get all your food there instead of an actual grocery store.

What Are Your Spending Habits?

If you shop at grocery stores in person and you don’t buy wholesale or in bulk, you will have a wide range of grocery store credit cards to choose from. To compare them and pick the right one for you, consider looking at the reward rates and the associated costs. Some of the best ones offer as high as 6% cashback, but they might have high annual fees.

If you are strapped for cash and you need a gas & grocery store credit card, consider getting one with no or a low annual fee. This will ensure you aren’t spending too much money at the beginning just to get the card.

How to Maximize Gas & Grocery Credit Cards?

If you have a grocery store credit card, you want to make sure you are maximizing savings and using the card whenever you can to get reward points and cashback. Make sure to follow these tips and tricks to maximize the benefits of your grocery credit cards:

Each card is unique in the places where you can use the card and get rewards and points back. If you primary buy your groceries at Walmart because they are much cheaper, try to figure out which one is cheaper in the long run. In some cases, shopping at Walmart might be cheaper than buying food at a supermarket and getting cashback. You also want to make sure you are only using the card where you are getting rewards and not at wholesale stores.

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(Photo by Sombat Muycheen/Shutterstock)

Most cards will cap your earnings at a certain point. Once you’ve reached that point, you might get no cashback or you might get a smaller percentage. It all depends on your card company.

Along with the cash back rewards, you can also use mobile apps to find coupons and discount cards and use them along with your credit card for cashback rewards. Using both will ensure you are getting as many savings as possible.

If you are buying your groceries online, make sure you use the shopping portals through your credit card company so all your purchases get extra points, cashback, and miles.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

How We Picked The Best Gas & Grocery Cards: Methodology

To identify the best credit cards for gas and grocery purchases, our team conducted thorough research across various issuers, focusing on major banks and financial institutions. We rated these cards based on four key categories tailored for consumers seeking rewards on gas and grocery spending:

  • Rewards Structure (40%): We evaluate the rewards program, including cash back percentage or points earned per dollar spent on gas and grocery purchases, bonus categories for accelerated rewards, and redemption options. Cards with higher rewards rates, bonus categories specific to gas and groceries, and flexible redemption choices score higher in this category.

  • Features & Benefits (30%): This category assesses additional features that enhance the overall value of the card for gas and grocery purchases, such as absence of annual fees, introductory APR offers, additional perks like extended warranty protection or purchase protection, and special benefits tailored for grocery and gas spending. Cards offering a comprehensive range of benefits without excessive fees earn higher scores.

  • Ease of Use & Redemption (20%): We examine the ease of earning and redeeming rewards for gas and grocery purchases, including the clarity of rewards terms and conditions, accessibility of rewards redemption options, and convenience of rewards tracking tools. Cards with straightforward rewards programs and user-friendly redemption processes receive higher ratings, ensuring a seamless experience for cardholders.

  • Issuer Reputation (10%): We scrutinize each issuer's reputation, considering customer feedback, financial stability, and regulatory standing. Issuers with positive reviews from cardholders and a track record of providing excellent rewards programs and customer service for gas and grocery purchases receive higher ratings in this category.

This comprehensive evaluation ensures that the best credit cards for gas and grocery purchases offer competitive rewards, valuable benefits, and a user-friendly experience for consumers seeking to maximize their rewards on everyday spending.

Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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Offers From Our Partners

Milestone® Mastercard®

Annual Fee:
$175 the first year; $49 thereafter
APR:
35.90%

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

Milestone® Mastercard®

Annual Fee:
$175 the first year; $49 thereafter
APR:
35.90%
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.