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Best Credit Cards for gas and groceries

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

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Best Credit Cards for gas and groceries

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:Gas Stations+1 moreCached
70%
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166 matches910ms

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

Chase Sapphire Preferred Card
1

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Gas Stations
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Gas Stations — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Auto Rental Coverage
  4. 4.Complimentary 4th night at Ennismore Hotel properties
  5. 5.$25/yr $100 Annual Hotel Credit
VISACore Rate
5.4¢
per dollar on gas stations
$95/yr($42 in credits)
Annual rewards$324.00
+ Credits$42
− Annual fee$95
Net annual value$271.00
2

Bilt Palladium Card

Cardless

2x Bilt Rewards on Gas Stations
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

  1. 1.$200/yr $400 Bilt Travel Hotel credit
  2. 2.$100/yr $200 of Bilt Cash
  3. 3.Priority Pass Airport Lounge Access
  4. 4.MasterRental Coverage
  5. 5.Mastercard Travel & Lifestyle Services
MASTERCARD
4.4¢
per dollar on gas stations
$495/yr
Annual rewards$264.00
− Annual fee$495
Net annual value-$231.00
Citi Strata Premier Card
3

Citi Strata Premier Card

Citi

3x ThankYou Points on Gas Stations
3x × 1.6¢/pt = 4.8¢ per dollar

Why this card

  1. 1.3x on Gas Stations — points worth 1.6¢ each ($288/yr on $6,000 spend)
  2. 2.Trip Delay Protection
  3. 3.Lost or Damaged Luggage Insurance
  4. 4.$60/yr Annual Hotel Savings Benefit
  5. 5.$30/yr Instacart+ Savings
MASTERCARDCore Rate
4.8¢
per dollar on gas stations
$95/yr
Annual rewards$288
− Annual fee$95
Net annual value$193
4

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Gas Stations
2x × 1.9¢/pt = 3.7¢ per dollar

Why this card

  1. 1.Primary Auto Rental Collision Damage Waiver
  2. 2.$240/yr $300 Annual Capital One Travel Credit
  3. 3.Capital One Lounge Access
  4. 4.Priority Pass Lounge Access
  5. 5.Partner Lounge Network
VISA
3.7¢
per dollar on gas stations
$395/yr
Annual rewards$222
− Annual fee$395
Net annual value-$173
Blue Cash Preferred Card from American Express
5

Blue Cash Preferred Card from American Express

Amex

6% cash back on Gas Stations

Why this card

  1. 1.6% cash back on Gas Stations ($270/yr on $6,000 spend)
  2. 2.Amex Offers
  3. 3.Car Rental Loss and Damage Insurance
  4. 4.Global Assist Hotline

$84 in credits offset the $95 fee

AMEXCore Rate
4.5¢
per dollar on gas stations
$95/yr (Y1 waived)($84 in credits)
Annual rewards$270
+ Credits$84
− Annual fee$95
Net annual value$259

Bonus rate on first $6,000/annual, then base rate

6

Wyndham Rewards Earner Plus Card

Barclays

6x Wyndham Rewards on Gas Stations
6x × 0.7¢/pt = 4.2¢ per dollar

Why this card

  1. 1.6x on Gas Stations — points worth 0.7¢ each ($210/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges
  5. 5.$5/yr Booking.com Travel Credits
VISACore Rate
3.5¢
per dollar on gas stations
$95/yr
Annual rewards$210
− Annual fee$95
Net annual value$115
7

PenFed Platinum Rewards Visa Signature® Card

Penfed

5x points on Gas Stations

Why this card

  1. 1.5x on Gas Stations ($240/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISACore Rate
4.0¢
per dollar on gas stations
No annual fee
Annual rewards$240
Net annual value$240
Bilt Obsidian Card
8

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Gas Stations
3x × 2.2¢/pt = 6.6¢ per dollar

Why this card

  1. 1.3x on Gas Stations — points worth 2.2¢ each ($264/yr on $6,000 spend)
  2. 2.$20/yr $100 of Bilt Travel Hotel credit
  3. 3.$20/yr Lyft Credits
  4. 4.MasterRental Coverage
  5. 5.$15/yr Mastercard Transit Benefit
MASTERCARDCore Rate
4.4¢
per dollar on gas stations
$95/yr
Annual rewards$264
− Annual fee$95
Net annual value$169

Bonus rate on first $25,000/annual, then base rate

Citi Strata Credit Card
9

Citi Strata Credit Card

Citi

3x ThankYou Points on Gas Stations
3x × 1.6¢/pt = 4.8¢ per dollar

Why this card

  1. 1.3x on Gas Stations — points worth 1.6¢ each ($288/yr on $6,000 spend)
  2. 2.$50/yr $300 Annual Travel Credit
  3. 3.Citi Travel®

No annual fee

MASTERCARDCore Rate
4.8¢
per dollar on gas stations
No annual fee
Annual rewards$288
Net annual value$288
10

Verizon Visa Card

Synchrony

4% cash back on Gas Stations

Why this card

  1. 1.4% cash back on Gas Stations ($240/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISACore Rate
4.0¢
per dollar on gas stations
No annual fee
Annual rewards$240
Net annual value$240
Choice Privileges Select Mastercard
11

Choice Privileges Select Mastercard

Wells Fargo

5x Choice Privileges on Gas Stations
5x × 0.8¢/pt = 4.0¢ per dollar

Why this card

  1. 1.5x on Gas Stations — points worth 0.8¢ each ($240/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.$15/yr Mastercard Transit Benefit
  4. 4.$30/yr Global Entry or TSA PreCheck Credit
  5. 5.$30/yr Instacart+ Savings
MASTERCARDCore Rate
4.0¢
per dollar on gas stations
$95/yr
Annual rewards$240
− Annual fee$95
Net annual value$145
BMO Premium Rewards Mastercard®
12

BMO Premium Rewards Mastercard®

Bmo

4x points on Gas Stations

Why this card

  1. 1.4x on Gas Stations ($240/yr on $6,000 spend)
MASTERCARDCore Rate
4.0¢
per dollar on gas stations
$95/yr
Annual rewards$240
− Annual fee$95
Net annual value$145

Bonus rate on first $2,000/quarterly, then base rate

U.S. Bank Altitude Connect Visa Signature Card
13

U.S. Bank Altitude Connect Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Gas Stations
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Gas Stations — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Rental Car Damage Coverage
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.$72/yr TSA PreCheck® or Global Entry®
  5. 5.$60/yr TSA PreCheck or Global Entry Credit

Your spend ($3,000) is 75% of the $4,000 annual cap

VISACore Rate
3.0¢
per dollar on gas stations
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $1,000/quarterly, then base rate

American Express Gold Card
14

American Express Gold Card

Amex

4x Membership Rewards on Gas Stations
4x × 1.5¢/pt = 6.0¢ per dollar

Why this card

  1. 1.4x on Gas Stations — points worth 1.5¢ each ($225/yr on $6,000 spend)
  2. 2.$60/yr $120 Uber Cash
  3. 3.Car Rental Loss and Damage Insurance
  4. 4.The Hotel Collection
  5. 5.Global Assist Hotline

$152 in credits offset the $325 fee

AMEXCore Rate
3.8¢
per dollar on gas stations
$325/yr($152 in credits)
Annual rewards$225
+ Credits$152
− Annual fee$325
Net annual value$52

Bonus rate on first $25,000/annual, then base rate

15

USAA Cashback Rewards Plus American Express Card

Usaa

5% cash back on Gas Stations

Why this card

  1. 1.5% cash back on Gas Stations ($210/yr on $6,000 spend)

No annual fee

AMEXCore Rate
3.5¢
per dollar on gas stations
No annual fee
Annual rewards$210
Net annual value$210
Citi Strata Elite℠ Card
16

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points on Gas Stations
1.5x × 1.6¢/pt = 2.4¢ per dollar

Why this card

  1. 1.Priority Pass™ Select membership
  2. 2.$150/yr Up to $300 Annual Hotel Benefit
  3. 3.American Airlines Admirals Club® Lounge Access Passes
  4. 4.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
  5. 5.MasterRental Coverage

$597.50 in credits fully offsets the $595 fee

MASTERCARD
2.4¢
per dollar on gas stations
$595/yr($597.50 in credits)
Annual rewards$144
+ Credits$597.50
− Annual fee$595
Net annual value$146.50
H-D™ H.O.G.™ Elite Visa Signature®
17

H-D™ H.O.G.™ Elite Visa Signature®

Usbank

5x points on Gas Stations

Why this card

  1. 1.5x on Gas Stations ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

$104.50 in credits fully offsets the $99 fee

VISACore Rate
3.0¢
per dollar on gas stations
$99/yr($104.50 in credits)
Annual rewards$180
+ Credits$104.50
− Annual fee$99
Net annual value$185.50
18

TD Cash Credit Card

Td Bank

3% cash back on Gas Stations

Why this card

  1. 1.3% cash back on Gas Stations ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISACore Rate
3.0¢
per dollar on gas stations
No annual fee
Annual rewards$180
Net annual value$180
bp rewards Visa®
19

bp rewards Visa®

Fnbo

4% cash back on Gas Stations

Why this card

  1. 1.4% cash back on Gas Stations ($210/yr on $6,000 spend)

No annual fee

VISACore Rate
3.5¢
per dollar on gas stations
No annual fee
Annual rewards$210
Net annual value$210
20

Sam's Club Mastercard

Synchrony

5% cash back on Gas Stations

Why this card

  1. 1.5% cash back on Gas Stations ($180/yr on $6,000 spend)

No annual fee

MASTERCARDCore Rate
3.0¢
per dollar on gas stations
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $6,000/annual, then base rate

Gemini Credit Card
21

Gemini Credit Card

Genesis Fs

4% cash back on Gas Stations

Why this card

  1. 1.4% cash back on Gas Stations ($180/yr on $6,000 spend)

No annual fee

Your spend ($3,000) is 83% of the $3,600 annual cap

MASTERCARDCore Rate
3.0¢
per dollar on gas stations
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $300/monthly, then base rate

22

MGM Rewards Iconic World Elite Mastercard®

Fnbo

2x MGM Rewards on Gas Stations
2x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Gas Stations — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.$120/yr Resort Credit
  3. 3.$30/yr Instacart+ Savings
  4. 4.$20/yr Lyft Credits
  5. 5.$15/yr Mastercard Transit Benefit
MASTERCARDCore Rate
2.0¢
per dollar on gas stations
$249/yr
Annual rewards$120
− Annual fee$249
Net annual value-$129
Blue Cash Everyday Card from American Express
23

Blue Cash Everyday Card from American Express

Amex

3% cash back on Gas Stations

Why this card

  1. 1.3% cash back on Gas Stations ($180/yr on $6,000 spend)
  2. 2.Car Rental Loss and Damage Insurance
  3. 3.Amex Offers
  4. 4.Global Assist Hotline

No annual fee

AMEXCore Rate
3.0¢
per dollar on gas stations
No annual fee($42 in credits)
Annual rewards$180
+ Credits$42
Net annual value$222

Bonus rate on first $6,000/annual, then base rate

24

One Key+ Card

Wells Fargo

3% cash back on Gas Stations

Why this card

  1. 1.3% cash back on Gas Stations ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.$20/yr Lyft Credits
  4. 4.$15/yr Mastercard Transit Benefit
  5. 5.$30/yr Instacart+ Savings
MASTERCARDCore Rate
3.0¢
per dollar on gas stations
$99/yr
Annual rewards$180
− Annual fee$99
Net annual value$81
Wells Fargo Autograph Visa Credit Card
25

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Gas Stations
3x × 1.3¢/pt = 3.8¢ per dollar
Up to 4.8¢/$ (1.6¢/pt)via Choice Privileges

Why this card

  1. 1.3x on Gas Stations — points worth 1.3¢ each ($150/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Luxury Hotel Collection
  4. 4.Visa Signature Rental Car Privileges
  5. 5.$5/yr Booking.com Travel Credits
VISACore Rate
2.5¢
per dollar on gas stations
No annual fee
Annual rewards$150
Net annual value$150
Bank of America Customized Cash Rewards Credit Card
26

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3% cash back on Gas Stations

Why this card

  1. 1.3% cash back on Gas Stations ($150/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISACore Rate
2.5¢
per dollar on gas stations
No annual fee
Annual rewards$150
Net annual value$150

Bonus rate on first $2,500/quarterly, then base rate

27

Navy Federal More Rewards American Express®

Navy Federal

3x points on Gas Stations

Why this card

  1. 1.3x on Gas Stations ($180/yr on $6,000 spend)
  2. 2.Car Rental Loss and Damage Insurance

No annual fee

AMEXCore Rate
3.0¢
per dollar on gas stations
No annual fee
Annual rewards$180
Net annual value$180
28

TSC Visa Card

Citi

3x points on Gas Stations

Why this card

  1. 1.3x on Gas Stations ($180/yr on $6,000 spend)

No annual fee

VISACore Rate
3.0¢
per dollar on gas stations
No annual fee
Annual rewards$180
Net annual value$180
29

Disney® Inspire Visa® Card

Chase

3x Disney Rewards Dollars on Gas Stations
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Gas Stations — points worth 1.0¢ each ($150/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

$74 in credits offset the $149 fee

VISACore Rate
2.5¢
per dollar on gas stations
$149/yr($74 in credits)
Annual rewards$150
+ Credits$74
− Annual fee$149
Net annual value$75
30

SoFi Smart Card

Sofi

5x points on Gas Stations

Why this card

  1. 1.5x on Gas Stations ($150/yr on $6,000 spend)

No annual fee

MASTERCARDCore Rate
2.5¢
per dollar on gas stations
No annual fee
Annual rewards$150
Net annual value$150