Overview: The Best Credit Card For Groceries and Gas


Budgeting enough to comfortably shop for groceries and gas is a regular task for most Americans. In terms of prices, shopping for gas and groceries can often times leave our bank accounts feeling drained.

Here at AdvisoryHQ, we’ve taken notice of shoppers with a large interest in grocery store credit cards that offer cashback on groceries.

With so much interest in the best credit card for gas and groceries, we’ve created an incredibly detailed review to compare the best credit cards for groceries in order to help shoppers choose the best one.

Many shoppers without prior experience with receiving grocery cash back have found themselves asking questions like:

  • How do I find the best credit card for gas and groceries?
  • How do I get cashback on groceries?
  • What is the best grocery credit card?
  • Will getting a credit card for groceries help put extra money in my pocket?

With so many questions to answer regarding the best credit card for groceries and gas and so many grocery store credit cards to choose from, narrowing the selection down will help shoppers greatly. There are many reviews available online claiming to have found the best credit cards for groceries. Below, we present a more detailed review on how to find the best credit card for groceries and gas.

Before settling with just any old grocery credit card, it’s best to know what grocery cash back options are available for you to choose from. Our goal is to help you choose the best credit card for gas and groceries.

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How to Find the Best Credit Card For Groceries and Gas

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Image Source: Credit Card for Gas and Groceries

When it comes down to choosing the best credit card for gas and groceries, you must first be aware of the different benefits that each grocery credit card offers.

Often, the best grocery credit card is just a regular credit card that offers some amazing grocery cash back rewards.

However, before embarking on finding the best credit cards for groceries, you’ll want to be aware of what to look for in a credit card for groceries.



Choosing Your Grocery Credit Card

Opening up a cash back credit card is a great way to earn points for every dollar that you spend. Since many of us spend a lot of money on gas and groceries, finding the best credit card for groceries and gas can help us pocket some extra cash.

Before looking into specific grocery store credit cards, it pays to know what you should be looking for in a credit card for groceries. 

  • Cards with Annual Fees

One of the first features you’ll want to look into is your grocery store credit card’s annual fee. While many cards are offered with zero annual fees, other grocery store credit cards come with high annual fees, though they may also offer higher points rewards.

If your grocery cash back rewards will exceed the annual fee, then you can get away with opening up a grocery credit card with a fee. Otherwise, the best credit card for groceries and gas for you will be one with no annual fee.

  • Cash Back Sign-Up Bonus

Some of the best credit cards for groceries will offer you an initial sign-up bonus. Many grocery store credit cards will give you the opportunity to obtain $100 or $200 worth of cash back rewards if you spend a certain amount of money in the first few months of membership. 

  • High Cash Back Percentage

The best credit card for gas and groceries will offer you the highest cashback on groceries. Taking the time to look into which grocery store credit cards offer the most rewards for your buck will pay off in the long run.Every credit card for groceries offers a different detailed rewards program. Avoid grocery store credit cards that don’t present you with the best rewards program for your dollar.

  • Unlimited Cash Back Capability

You should avoid any grocery cash back card that limits your cash back rewards. The best credit cards for groceries are ones that allow you to gain as many grocery cash back rewards as possible.

  • Easy to Redeem Rewards

Finally, the best credit card for groceries and gas will be one that makes their rewards program easily accessible. Reading over the redemption policy of potential grocery store credit cards is the best way to go.

The best credit cards for groceries will allow you to use your cash back rewards to pay off any credit card balances and shop with any available reward points.

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Best Credit Card for Gas & Groceries: What To Consider Before Signing Up

The allure of signing up with the best credit card for groceries and gas can be very exciting. Gaining cashback on groceries and gas is an easy way to turn the chore of shopping into something you can be enthusiastic about.

However, before you decide on the best credit card for gas and groceries, there are a few things you must take into account.

  • Avoid Overspending

Getting approved for the best grocery credit card can make spending more money exhilarating. Gaining cashback on groceries for every dollar you spend can entice you to spend more than you might have otherwise.

Make sure to keep your grocery credit card spending within a reasonable limit in order to keep a good credit score.

  • Always Pay off Your Balance on Time

Gaining cashback on groceries with your grocery store credit cards is a great way to make shopping more enjoyable. However, making sure to pay off your credit card for groceries at the end of each month is essential to increasing your grocery cash back.

Any overdue balances that you have remaining on your grocery credit card can begin to grow interest. This interest can take away from your grocery cash back rewards. If you default on your grocery credit card payments, you won’t receive any rewards or points at all.

Take Note of Your Cash Back Quarterly Categories

The best credit card for gas and groceries will come with quarterly categories that help you gain extra cash back bonuses. Each quarter, the best credit cards for groceries will send you a notice alerting you of where to use your credit card. This could range from grocery stores to gas stations or even department stores.

Spending your grocery store credit cards in these specific categories will allow you to quickly build up your rewards. These cash back bonuses often come in a large surplus, at times even rewarding you with extra grocery cash back.

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Image Source: Extra Cash Back Bonuses

For any and all of your grocery store credit cards, be sure to set up e-mail alerts for these quarterly categories in order to stay on top of the big rewards and possible cashback on groceries.

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The Best Credit Card for Groceries & Gas: Top Picks & Major Rewards

With so many grocery store credit cards claiming to be the best credit card for gas and groceries, narrowing down your options can become quite difficult.

If you are willing to do all of the legwork yourself, there are plenty of great sites that aggregate all of the best credit cards for groceries on one platform.

Credit Karma and CreditCards.com are both great sites to use if you are looking to compare grocery store credit cards and the amount of grocery cash back you could potentially acquire.

However, the grueling process of going through each credit card for groceries and finally deciding on the best credit card for groceries and gas can be more work than it’s worth.

That’s why at AdvisoryHQ we’ve taken the liberty of picking out the best grocery cash back cards and detailing what makes them overall top picks. Below you’ll find the best credit cards for groceries.

After reading through our detailed review, you can feel confident in choosing the best credit card for gas and groceries.

The Chase Freedom ® has been a top cash back credit card for years now. Shoppers with hefty grocery store lists and thirsty gas tanks have all remarked on how plentiful the Chase Freedom® card bonuses are.

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Image Source: Chase Freedom

Many consumers have even opted to vote the Chase Freedom® as the best credit card for groceries and gas. So what is it about the Chase Freedom® that has shoppers signing up?

Unlike many of the best credit cards for groceries, the Chase Freedom® is available for no annual fee and no sign-up fee. With the Chase Freedom®, you’ll earn one point for every dollar that you spend. The Chase Freedom® also offers a bonus quarterly category that gives you the opportunity to earn 5 points per dollar for the first $1,500 you spend in the category.

Many of the quarterly categories often include grocery cash back and gas station usage cash back. If you spend $500 on purchases in the first three months, you also have the opportunity to gain $150 in cash back bonus.

The other aspect that makes the Chase Freedom® the best credit card for gas and groceries is that when gas stations come up in the quarterly category, you don’t have to limit your purchases to gas only. You can earn cash back on snacks and anything else at the gas mart, so prepare yourself for unlimited cashback on groceries with this grocery credit card.

The Chase Freedom® is certainly a top choice for consumers looking for the best credit card for groceries and gas. The rewards program for the grocery cash back is easy to use, and the cashback on groceries can be applied to your statements or used for travel and shopping.

  • Blue Cash Preferred® Card: The Best Grocery Credit Card

The Blue Cash Preferred® from American Express has been featured as the best grocery credit card for some time now. What makes the Blue Cash Preferred® such an amazing grocery cash back card is the enormous number of rewards that await you.

With this credit card for groceries, you’ll receive a whopping six points per dollar grocery cash back for the first $6,000 you spend on groceries within the year. That adds up to an extra $360!

The Blue Cash Preferred® has also won the reputation of best credit card for groceries and gas. The Blue Cash Preferred® is the best credit card for gas and groceries because you earn three points per dollar at gas stations.

Although the Blue Cash Preferred® does charge an annual fee of $95, there is also a sign-up bonus that offers $150 cash back when you spend $1,000 in purchases in the first three months.

Overall, the Blue Cash Preferred® deserves its reputation of best credit card for gas and groceries. As one of the best credit cards for groceries, the Blue Cash Preferred® offers a stunning 6% grocery cash back and unlimited 3% cash back on gas station purchases.

  • BankAmericard Cash Rewards: Gain Grocery Cash Back Easily, With No Annual Fee

The BankAmericard Cash Rewards is another great grocery cash back card option that has been selected as the best credit card for groceries and gas by shoppers.

What gives the BankAmericard Cash Rewards card an extra edge over its grocery credit card competitors is the amazing rewards allotted on spending. Shoppers can earn 2% grocery cash back and 3% cash back on gas up to the first $2,500 spent in combined quarter purchases.

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Image Source: Bank of America Credit Cards

There is no annual fee for the card and the sign-up bonus offers $100 cash back reward if you spend $500 on purchases in the first 90 days after opening your account with the grocery credit card.

You can also get a 10% customer bonus every time you redeem your cashback on groceries into a Bank of America checking or savings account.

 With no annual fee, a great sign-up bonus, and a fantastic rewards system for cashback on groceries, the BankAmericard Cash Rewards card is a great option. The BankAmericard Cash Rewards is certainly one of the best credit cards for groceries as the cashback on groceries rewards are incredibly high for a card with no annual fee.

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Conclusion: How to Choose the Best Credit Card for Gas & Groceries?

Finding and choosing the best credit card for groceries and gas is a very important process. With so many grocery cash back cards claiming to be the best credit cards for groceries, taking a discerning approach to choosing the best grocery credit card is necessary.

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Image Source: Value Penguin Cash Back Rewards

A lot of factors go into finding and choosing the best credit card for gas and groceries. Taking a look into each card’s grocery cash back rewards, annual fees, and rewards caps is a great way to narrow down the decision-making process.

The best credit card for groceries and gas will offer the highest cashback on groceries, no or low annual fee, and an unlimited rewards cap.

All of these features combined, along with an awareness of your own financial situation, will help you to choose the best credit card for gas and groceries to help you put some extra cash back in your pocket.

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