Best Gas & Groceries Credit Cards for December 2023

Lyle and our credit card research team have put together tips on how to get the most from this powerhouse list of gas & grocery credit card offers. Here are their hot takes:

Jump to a specific gas & grocery credit card offer review:

• Blue Cash Preferred? Card from American Express (our award winner)
• Wells Fargo Autograph? Card (our award winner)
• Citi Custom Cash? Card
• Bank of America? Customized Cash Rewards credit card
• American Express? Gold Card (an award winner)
• Blue Cash Everyday? Card from American Express
• Citi Premier? Card
• Costco Anywhere Visa? Card by Citi
• Prime Visa
• U.S. Bank Altitude? Connect Visa Signature? Card

Blue Cash Preferred? Card from American Express Expert Review

Our rating: 5.00/5.00 stars. Cardholder Review Ratings for Wells Fargo Autograph? Card not provided on the American Express site.

This American Express card is our pick for the best groceries card and the best cash back card overall. It won both those categories in our 2023 award picks. Once you've seen this card's cash back rates, it's easy to understand why our experts are so high on it.

The highlight is an incredible 6% back at U.S. supermarkets, on up to $6,000 per year in purchases. It's the highest rate we've seen in that category, and it outdoes most other cards by at least 2% to 3%. If you max out that bonus category by spending $500 at U.S. supermarkets per month, you earn $360 in cash back per year from that alone. Terms apply; see rates and fees.

To sweeten the deal, this card also earns 6% on select U.S. streaming subscriptions and 3% at U.S. gas stations and on transit. Terms apply. There aren't many cards that can match its cash back potential. Families, couples, and anyone who spends heavily on groceries and gas can get a ton of value from this card.

Leveraging the full card benefits:

• High cash back rates:
  • 6% at U.S. supermarkets ($6,000 per year spending cap)
  • 6% on select U.S. streaming subscriptions
  • 3% at U.S. gas stations
  • 3% on transit, which includes taxis, rideshare, parking, tolls, trains, buses, and more
  • 1% on other purchases
• Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• 0% intro APR for 12 months on purchases and balance transfers. The go-to variable rate applies after the intro period.
• Complimentary protections: Including car rental loss and damage insurance, return protection, extended warranty, and purchase protection.
• Useful extras: Including a Disney Bundle credit and Equinox+ credit.
• Terms apply.

View more pros & cons of the Blue Cash Preferred? Card from American Express

Wells Fargo Autograph? Card Expert Review

Our rating: 4.50/5.00 stars. Cardholder Review Ratings for Wells Fargo Autograph? Card not provided on the Wells Fargo site.

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. 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.

With so many bonus opportunities, this is an excellent do-everything card for a one-card wallet. You'll earn a competitive rate on many of your biggest and most common expenses. And this card earns an unlimited 3 points per $1 in its bonus categories, so there's no cap on the bonus rewards you can earn.

Because of its high rewards rate on gas (and EV charging), this was our experts' pick as the best credit card for gas rewards in 2023. Note, however, that it doesn't earn bonus grocery rewards. It does offer bonus restaurant rewards, so it's better for people who go out to eat often than those who like to cook at home.

Leveraging the full card benefits:

• Earn bonus rewards with unlimited 3x points per $1 on:
  • Restaurants: Dining in, take-out, catering, delivery, and more
  • Travel: Airfare, hotels, car rentals, cruises, and more
  • Gas: Gas stations and EV charging stations
  • Transit: Subways, ride shares, parking, tolls, and more
  • Popular streaming services: Content at home or on the go
  • Phone plans: Cellphone and landline providers
• 1x point per $1 on other purchases
• Welcome offer: New cardholders can earn 30,000 bonus points after spending $1,500 in the first 3 months.
• 0% intro APR for 12 months from account opening on purchases: Pay off big expenses over time while avoiding interest charges. The go-to rate of 20.24%, 25.24%, or 29.99% Variable APR applies once the intro period ends.
• Get peace of mind with extra protections: Including cellphone protection, auto rental collision damage waiver, and travel and emergency services assistance.
• Straightforward redemption options with multiple ways to use your points:

View more pros & cons of the Wells Fargo Autograph? Card

Citi Custom Cash? Card Expert Review

Our rating: 5.00/5.00 stars. Cardholder Review Ratings: 425 reviews give it 4.60/5 stars as of 9/25/23.

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.

Gas stations and grocery stores are both on the list of eligible spending categories, along with restaurants, fitness clubs, and more. That makes it a good choice as a gas or grocery credit card, but not if you need a card that earns bonuses in both categories.

The best part about this Citi card is how easy to use it is. You don't need to keep up with bonus categories or activate them. It automatically rewards you the most where you spend the most.

Leveraging the full card benefits:

• Earn cash back customized for your spending:
  • 5% on your top eligible spending category each billing cycle, up to $500 spent
  • 1% on other purchases
• Sign-up bonus: Earn $200 in cash back after you spend $1,500 in the first 6 months.
• 0% intro APR for 15 months on purchases and balance transfers: The go-to variable rate applies once that intro period ends.
• Get free access to your FICO? Score: Stay up to date on your FICO? Score, the most widely used type of credit score by lenders.
• Citi Entertainment?: Score access to music, sports, culinary experiences, and more.
• Convenient rewards redemptions: With multiple redemption options and no minimum when redeeming for a statement credit or direct deposit.

View more pros & cons of the Citi Custom Cash? Card

Bank of America? Customized Cash Rewards credit card Expert Review

Our rating: 4.00/5.00 stars. Cardholder Review Ratings for Bank of America? Customized Cash Rewards credit card not provided on the Bank of America site.

With most gas and grocery cards, the card issuer decides on the bonus categories. This Bank of America, on the other hand, puts you in control. 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.

There are several bonus options, including gas and EV charging stations, online shopping, and travel. Grocery stores and wholesale clubs are this card's fixed bonus categories. If you want to use it as a gas and grocery card, you can. If you'd rather switch to another bonus category to combine with bonus grocery rewards, you can do that, too.

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. If you're a Preferred Rewards member, or you're open to managing banking and investments with Bank of America, then it makes this card an even better value.

Leveraging the full card benefits:

• Welcome bonus offer: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
• Customize your bonus cash back:
  • 3% in the category of your choice
  • 2% at grocery stores and wholesale clubs
  • 3% and 2% rates apply to first $2,500 in combined purchases per quarter across bonus categories
  • 1% on other purchases
• 0% intro APR for 15 billing cycles on purchases and qualifying balance transfers: The go-to rate of 18.24% - 28.24% (Variable) APR applies after the intro period ends.
• Free FICO? Score: Available in mobile banking app or online banking.
• Elevated cash back rate for Preferred Rewards members:

View more pros & cons of the Bank of America? Customized Cash Rewards credit card

American Express? Gold Card Expert Review

Our rating: 4.50/5.00 stars. Cardholder Review Ratings for American Express? Gold Card not provided on the American Express site.

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, plus U.S. takeout and delivery orders, and offers up to $120 in annual dining credits. Terms apply. Foodies who love going out to eat will also probably love this rewards card.

With all those food-related perks, this was our best card for dining out in our 2023 awards. It also earns the same rate of 4 points per $1 at U.S. supermarkets, on up to $25,000 in purchases per year. Terms apply.

While most grocery cards earn cash back, this is a top-notch travel card. It has versatile points you can redeem with airlines and hotels, earns 3 points per $1 on flights booked directly with airlines and on amextravel.com, and offers hotel benefits. Terms apply.

This card does have a $250 annual fee (see creditcard slug=american-express-gold-card field=rates_and_fees]), making it quite a bit more expensive than most gas and grocery cards. It won't be right for everyone -- but for frequent travelers who spend a lot on food, including at restaurants and supermarkets, it's tough to beat.

Leveraging the full card benefits:

• Excellent welcome offer: Large travel rewards welcome bonus.
• Bonus points on food and airfare:
  • 4x points on dining worldwide, plus takeout and delivery in the United States
  • 4x points at U.S. supermarkets (up to $25,000 in purchases per year)
  • 3 x points on airfare booked directly with airlines and on amextravel.com
  • 1x point on other purchases
• Valuable rewards points: Rewards are transferable to a long list of travel partners.
• American Express Preferred Access: Have access to premium seats for select cultural and sporting events, based on availability.
• Complimentary protections: Including baggage insurance plan, car rental loss and damage insurance, extended warranty, and purchase protection.
• Spending credits and hotel benefits: Up to $120 per year in dining credits, $120 per year in Uber Cash, and $100 experience credit on minimum two-night stays booked with The Hotel Collection through American Express Travel.
• Select enrollment required and terms apply.

View more pros & cons of the American Express? Gold Card

Blue Cash Everyday? Card from American Express Expert Review

Our rating: 4.00/5.00 stars. Cardholder Review Ratings for Blue Cash Everyday? Card from American Express not provided on the American Express site.

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.

Bonus rewards on U.S. online retail purchases, in particular, is a benefit that we love. People are spending more and more online, but cards that earn extra in that category are few and far between. The fact that this card does makes it a smart pick for frequent online shoppers. Terms apply.

While the cash back is the main draw, this card also gives you flexible repayment options. It has a 0% intro APR on purchases and balance transfers, so it's equally useful for paying off new expenses or existing debt over time. The go-to variable rate applies once the intro period ends. Terms apply.

Leveraging the full card benefits:

• Bonus cash back:
  • 3% at U.S. supermarkets (on up to $6,000 per year in purchases)
  • 3% on U.S. online retail purchases (on up to $6,000 per year in purchases)
  • 3% at U.S. gas stations (on up to $6,000 per year in purchases)
  • 1% on other purchases
• Welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• 0% intro APR for 15 months on purchases and balance transfers. The go-to variable rate applies after the intro period.
• Complimentary protections: Including car rental loss and damage insurance and purchase protection.
• Useful extras: Including a Disney Bundle credit and Home Chef credit.
• Plan It: Get even more payment flexibility with Plan It, a buy now, pay later program.
• Terms apply.

View more pros & cons of the Blue Cash Everyday? Card from American Express

Citi Premier? Card Expert Review

Our rating: 4.50/5.00 stars. Cardholder Review Ratings: 1,423 reviews give it 4.30/5 stars as of 9/25/23.

Many of the most popular gas and grocery credit cards earn cash back. But people who like to travel also spend plenty in those two categories. If you're the type of person who loves seeing new places and booking exciting vacations, this Citi card is great for earning big travel rewards on everyday expenses.

It earns 3 points per $1 across several popular spending categories, including gas stations and supermarkets. Those points are easy to use for travel, as you can redeem them at a fixed rate or transfer them to Citi's large roster of airline partners.

Not only have I used this Citi card, it helped me save thousands of dollars on business-class airfare, multiple times. I earned lots of points thanks to all the bonus categories, and then I transferred them to one of my favorite frequent flyer programs.

Leveraging the full card benefits:

• Big travel rewards sign-up bonus: Earn 60,000 ThankYou? Points after you spend $4,000 in the first 3 months.
• Earn more with bonus categories:
  • Limited-time offer: 10x points on hotel and car rentals booked on the Citi Travel portal through June 30, 2024.
  • 3x points on other hotel purchases
  • 3x points on air travel
  • 3x points on restaurants
  • 3x points at supermarkets and gas stations
  • 1x point on other purchases
• Useful rewards points: Redemption options include transfers to travel partners, travel bookings, and gift cards.
• Get an annual $100 in hotel savings:

View more pros & cons of the Citi Premier? Card

Costco Anywhere Visa? Card by Citi Expert Review

Our rating: 4.00/5.00 stars. Cardholder Review Ratings: 31,159 reviews give it 4.70/5 stars as of 9/25/23.

The groceries category on rewards cards typically doesn't include Costco, which makes this card an easy choice if you shop at Costco often. It earns 2% back on purchases at Costco and Costco.com. It also doubles as your membership card.

The Costco rewards aren't even the best part. This Costco credit card earns a whopping 4% back on gas and EV charging, up to $7,000 in purchases per year. It's one of the highest rates we've seen in those categories, and it makes this card well-suited for people with lengthy commutes.

If you're not a frequent Costco shopper, then this card probably won't work for you. People who shop at Costco at least once a week will get the most value from it. It's also excellent for families, especially those who go on roadtrips, because they can earn bonus rewards on gas and all their Costco spending.

Leveraging the full card benefits:

• Excellent cash back program with big gas and EV charging bonuses:
  • 4% on eligible gas and EV charging for the first $7,000 per year
  • 3% on restaurants and eligible travel, including Costco Travel
  • 2% on other purchases at Costco and Costco.com
  • 1% on other purchases
• Special access with Citi Entertainment?: Purchase tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sporting events, dining experiences, and more.
• Valuable additional protections and perks: Get damage and theft protection for new purchases, worldwide rental car insurance, travel accident insurance, and more.

View more pros & cons of the Costco Anywhere Visa? Card by Citi

Prime Visa Expert Review

Our rating: 5.00/5.00 stars. Cardholder Review Ratings: 101,988 reviews give it 4.20/5 stars as of 9/25/23.

Store credit cards normally have limited value, but there are exceptions. This Amazon credit card is one of them, as it's the rare store card that can go toe to toe with just about any rewards card. That's in part because Amazon isn't just any store, and in part because of a wide array of bonus categories, earning extra at Amazon, Whole Foods, gas stations, and more.

It 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 -- and makes this card a perfect fit for Amazon shoppers, even if you don't use it as your only credit card.

The value of this card will come down to how often you shop at Amazon and its other brands. If you do so on a regular basis, then you should earn plenty of cash back. Another nice perk is that you can redeem that cash back on Amazon as early as the next day.

Leveraging the full card benefits:

• Welcome bonus: Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members.
• Earn big rewards with a lucrative cash back program:
  • 5% at Amazon, AmazonFresh, and Whole Foods, and Chase Travel purchases with an eligible Prime membership
  • 10% at a rotating selection of products and categories at Amazon.com
  • 2% at restaurants, gas stations, local transit, and commuting (including rideshare)
  • 1% at other purchases
• Fast and flexible reward redemptions: Redeem as soon as the next day on Amazon.com or redeem at Chase for cash back, gift cards, or travel.
• Cover yourself with built-in protections:
  • Auto rental damage collision waiver
  • Baggage delay insurance
  • Extended warranty protection
  • Lost luggage reimbursement
  • Travel accident insurance
  • Purchase protection
• Earn even more with Prime Card Bonus:

View more pros & cons of the Prime Visa

U.S. Bank Altitude? Connect Visa Signature? Card Expert Review

Our rating: 4.50/5.00 stars. Cardholder Review Ratings: 422 reviews give it 4.10/5 stars as of 9/25/23.

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.

In addition to the unique rewards rate, this card also has a unique set of benefits that can help you save on travel and everyday expenses. You can get a $30 annual credit for streaming services, get a credit for a Global Entry/TSA PreCheck membership every four years, and enjoy four free visits to Priority Pass airport lounges.

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. But if you're a frequent flyer who also loves to go on roadtrips, or if you have a long daily commute, this card has a ton of value.

Leveraging the full card benefits:

• Huge welcome offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's one of the most impressive welcome bonuses we've seen on a gas and groceries card.
• Maximize your rewards with diverse bonus categories:
  • 5X points on prepaid hotels and car rentals booked in the Altitude Rewards Center
  • 4X points on travel and at gas stations
  • 2X points on grocery stores, grocery delivery, dining and streaming services
  • 1X points on other purchases
• Choose the redemption that works for you: Points are redeemable for travel, gift cards, and even cash back.
• Improve your air travel experience: Get up to $100 in a membership fee credit toward Global Entry or TSA PreCheck every four years and get four free visits to Priority Pass lounges.
• Take advantage of complimentary extra protections: Including cellphone protection, trip cancellation/interruption coverage, and trip delay reimbursement.
• Save on streaming with a $30 annual credit:

View more pros & cons of the U.S. Bank Altitude? Connect Visa Signature? Card