Gas Credit Cards

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.

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 best easy approval gas credit card is the Discover it Secured Card. Because it’s secured, bad credit won’t disqualify you. Plus, it doesn’t charge an annual fee and gives you 2% cash back on the first $1,000 you spend on gas and at restaurants (combined) each quarter. And since it’s a cash back card with no restrictions on what gas stations are eligible for rewards earning, it’s one of the most flexible options.                                                                                  

Discover it Secured isn’t the only gas rewards card that’s easy to get. But most other offers require a bit better credit.

Here are some of the best easy approval gas credit cards:

• Discover it Secured Card: No annual fee. 2% cash back at gas stations and restaurants, up to $1,000 spent each quarter. 1% cash back everywhere else. First-year rewards match. $200 minimum refundable security deposit. You can get this card with bad credit.
• Credit One Bank Platinum Visa for Rebuilding Credit: $0-$99 annual fee, depending on your credit history. 1% cash back on gas. 1% back in certain other categories, if not all purchases, depending on which rewards program you get approved for. You can get this card with bad credit.
• Walmart Store Card: No annual fee. 2% rewards for Walmart and Murphy USA gas. 3% back on purchases at Walmart.com and 1% at Walmart. You need fair credit or better.
• Shell Gas Card: No annual fee. 5 cents per gallon discount at Shell gas stations. You can get this card with fair credit.
• Chevron and Texaco Gas card: No annual fee. 3 cents per gallon back at Chevron and Texaco gas stations. You can get this card with fair credit.
• Exxon Mobil Gas Card: No annual fee. 6 cents off every gallon at over 11,000 Exxon and Mobil stations. This card requires fair credit.
• Discover it for Students: No annual fee. 2% cash back on gas and restaurants, up to $1,000 spent per quarter. 1% on all other purchases. Discover matches the cash back you earn year one. $20 gift card each year your GPA is 3.0 or higher. Students with limited credit or better can get this card.

The best easy approval gas card for you will depend on where you fill up and how good your credit is. But no matter what card you get, make sure to pay your bill on time every month. That will help you build credit and qualify for one of the best gas rewards credit cards.

For me, gas credit cards offer many advantages. 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. Lastly, gas cards are often easier to qualify for 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.

I think the Sunoco card has the best earning rate - 3 cents per gallon if you purchase 6,000 gallons or more in a month. You can't really beat that and it might be your best option if you like their fuel. You can check it out here https://www.sunocofleetcards.com

Most gas rewards credit cards require good or excellent credit for approval. You even need at least fair credit to get a gas card that can only be used at a certain gas-station chain. But that doesn’t mean you’re out of luck.

If you want the convenience of paying at the pump (especially important when it’s cold out or you’re in a hurry), you can simply open a secured credit card. Secured credit cards offer nearly guaranteed approval, given that you are required to place a refundable security deposit which acts as your spending limit. Plus, some secured cards offer rewards from time to time.