The best credit card for gas and restaurants is the UMB Simply Rewards Visa Platinum card. It offers 3 points per $1 spent on fuel and dining, including purchases at fast food restaurants. The 3 points earning rate also applies to purchases at grocery stores and discount stores. All other purchases 1 point per $1 spent.
You can redeem points in $25 increments for statement credits, gift cards, merchandise, and travel at a value of around 1.5 cents each. In addition, there’s an initial bonus of 15,000 points for spending just $1,500 in the first 90 days. The Simply Rewards Visa Platinum card comes with a $0 annual fee.
It’s rare to find good rewards for gas and restaurant purchases on the same credit card, especially with no annual fee. The Discover it Chrome card fits the bill, with 2% cash back on up $1,000 in combined spending on gas and restaurants each quarter, and 1% cash back after that. All other purchases also earn 1% cash back.
Discover it Chrome has a $0 annual fee. And it matches all cash back you earn in the first 12 months you have the card on your first account anniversary.
Gas credit cards are worth it. Since most Americans drive, fuel for your vehicle is almost always in demand. Likewise, most gas stations have evolved into convenience stores. This allows purchasers to use their gas credit card not only for fuel but other necessities as well; such as groceries and other small household goods.… read full answer
Lastly, gas cards are often easier to qualify for than regular credit cards. This allows those who have poor or no credit to establish a good credit history. They earn points which further reduces my costs when purchasing other goods in the store.
The best credit card for gas and groceries is the Blue Cash Preferred Card from American Express. There’s no annual fee, and you’ll earn $200 back for spending $1,000 during your first three months of card membership. You also get 6% cash back on $6,000 spent at supermarkets per year, 3% at gas stations and eligible department stores, and 1% everywhere else.… read full answer
And if you shop online or at wholesale clubs, the Amazon and Costco credit cards are both strong options. The Amazon Visa offers 5% back at Whole Foods for Prime members (3% if you don’t have Prime), and 2% on gas. With the Costco Visa, you’ll get 2% back at Costco and 4% back at gas stations. But if none of those are quite right for you, there are other options available.
Here are the best credit cards for gas and groceries:
Blue Cash Preferred Card from American Express: 6% back on $6,000 spent on groceries per year, and 3% back on gas. No annual fee. $200 for spending $1,000 within three months of opening your account. 3% back at eligible department stores, 1% everywhere else. Excellent credit required.
Costco Anywhere Visa: 2% back at Costco, and 4% back on gas. No annual fee, but the card is only available to people with a Costco membership, which costs $60+. 3% on restaurant and travel purchases, 2% at Costco and Costco.com and 1% everywhere else. Excellent credit required.
Amazon Visa Credit Card: 5% back at Whole Foods for Prime members (3% otherwise), and 2% back on gas. No annual fee, but Prime costs $99 a year. 5 points per $1 at Amazon.com for Prime members (3 for non-members), and 1 point per $1 everywhere else. $50 Amazon gift card when you get approved. Good credit required.
PenFed Platinum Rewards Visa Signature Credit Card: 5% back on gas, and 3% back on groceries. No annual fee. $100 statement credit for spending $1,500 in your first 90 days. 1% back everywhere else. Excellent credit required. Anyone can join PenFed with a one-time $17 donation.
SunTrust Cash Rewards Credit Card: 5% back on $6,000 in gas and groceries the first 12 months. 2% back on gas and groceries after that. No annual fee. 1% back on all other purchases. Excellent credit required.
The best credit card for gas and groceries is Amex Blue Cash Preferred. But since gas and groceries are some of the most common expenses, it’s a popular combination, and there are options for every credit level. For example, Capital One QuicksilverOne is good for limited credit. And the SunTrust Secured Credit Card works for folks with bad credit.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.