Best Credit Cards for Gas and Groceries
Ranked by effective value per dollar across gas stations and grocery stores.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Gas Stations and Grocery Stores, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Citi Strata Credit Card
Citi
- +3x on Gas Stations — points worth 1.7¢ each
- +20,000 points bonus (~$340 value)
- +No annual fee
Citi Strata Premier Card
Citi
- +3x on Gas Stations — points worth 1.7¢ each
- +Annual Hotel Savings Benefit (up to $100/yr) — not counted in estimated value or ranking; eligible use has not been established
- +60,000 points bonus (~$1,020 value)
Blue Cash Preferred Card from American Express
American Express
- +6% cash back on Supermarkets
- +Annual fee $95. Other listed credits: Disney Bundle Credit (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +Amex Offers; Global Assist Hotline — not counted in estimated value or ranking; eligible use has not been established
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Applicable Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| Citi Strata Credit CardCiti | 3x ThankYou Points Gas Stations | 5.1¢/$ | $0 | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points Gas Stations | 5.1¢/$ | $95 | mastercard |
| Blue Cash Preferred Card from American ExpressAmerican Express | 6% cash back Supermarkets | 4.5¢/$ | $95 | amex |
| PenFed Platinum Rewards Visa Signature® CardPenFed | 5x points Gas Stations | 4.0¢/$ | $0 | visa |
| Bilt Obsidian CardCardless | 3x Bilt Rewards Supermarkets | 4.0¢/$ | $95 | mastercard |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges Gas Stations | 4.0¢/$ | $95 | mastercard |
| Verizon Visa CardSynchrony | 4% cash back Gas Stations | 4.0¢/$ | $0 | visa |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards Gas Stations | 3.6¢/$ | $95 | visa |
| American Express Gold CardAmerican Express | 4x Membership Rewards Supermarkets | 3.8¢/$ | $325 | amex |
| bp rewards Visa®FNBO | 4% cash back Gas Stations | 3.5¢/$ | $0 | visa |
More Options
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Open in full search with filters →Guides for this category
- Cash BackGrocery card rewards: supermarkets, superstores, and warehouse exclusionsGrocery bonuses follow the merchant, not the food. How supermarket, superstore, warehouse, and online grocery rules change what your card actually earns.
- Card StrategyIs a credit card annual fee worth it? A realistic break-even methodAn annual fee is worth it when extra rewards and benefits you will use beat the fee versus your real alternative. A break-even method with worked examples.
- Cash BackFlat-rate cash back versus category bonuses: a household spending comparisonA 3%/1% card beats a flat 2% card only when half your spending lands in its categories. Three households, the break-even formula, and how caps change it.