Walmart is not considered a grocery store for credit cards. Major credit card networks assign a specific merchant category code (MCC) to purchases made at traditional grocery stores. This code doesn’t include “big-box” retailers like Walmart or Target because they sell a lot more than groceries. But Walmart Neighborhood Markets are considered grocery stores for credit cards since they sell groceries exclusively.
If you want to earn bonus rewards on groceries purchased at Walmart, consider the Walmart Store Card. It offers 3% cash back on walmart.com purchases, including grocery pickup. The card also gives 2% cash back on Walmart and Murphy USA gas purchases. All in-store purchases, including groceries, yield 1% cash back.
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.
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Platinum Visa® for Rebuilding Credit is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
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