Best Credit Cards for Gas and Groceries 2016

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Point Savvy has selected some top picks for the best cards to use for your everyday expenses that include gas and groceries.

person filling car gas tank

Trips to the grocery store and the gas station could come with money back in your pocket. Everyday expenses like these add up fast, with the average family spending $300 a week on groceries and $100 on gas, even with prices reaching an all-time low – that’s $20,800 a year in spending in these categories. So there can be a huge advantage in carrying a credit card that heavily rewards spending on these everyday purchases: gas and groceries.

Cash back cards that reward you with 2X points or more can save cardmembers hundreds of dollars a year. Travel credit cards with grocery and gas rewards can help you reach free travel faster by rewarding the purchases you make the most every day.

Simply put, if you buy a lot of groceries and drive a lot of miles, you should earn a lot of points.

Chase Freedom®

chase freedom card new alternate front

This card is one of our favorites all around. It offers generous cash-back rewards, no limits to the cash back you can earn, and no annual fee. Chase Freedom’s 5% cash back in rotating categories allows you to rack up points quickly, especially since the categories are places where most of us spend the most anyway, such as restaurants, gas stations and grocery stores. The only caveat is that you need to activate your rewards every three months to get the 5% cash back in rotating categories.

 

Here’s what we like about the card:

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3 – month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24% – 23.24%
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories every 3 months like Gas Stations, Restaurants, and Select Grocery Stores
  • Unlimited 1% cash back on every purchase– it’s automatic
  • Rewards never expire as long as your account is open
  • No Annual Fee

Blue Cash Preferred® Card from American Express

American Express Blue Credit Card

No other card offers the cash back rewards this card earns on gas and grocery store purchases. And these aren’t rotating categories – Blue Cash Preferred® Card from American Express earns 3% back on gas purchases and an impressive 6% back on at grocery stores. So whether you’re a parent who spends days at the supermarket and chauffeuring the kids around or a business traveler who’s always filling up the tank, this card fits most busy lifestyles. There is a $75 annual fee, but the generous cash back you earn can repay that cost pretty quickly.

Here’s what we like about the card:

  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Terms and limitations apply.
  • Earn Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.

Discover It®

discover it cash back card front

For new cardmembers, Discover It® makes earning cash back seem easy. At the end of your first year, all the cash back you’ve earned up to that point is automatically doubled. So if you earned $300 cash back, it’s doubled to $600. Not bad. And you can redeem your rewards for cash in any amount at any time. Another added perk we like is the convenience of using your cash back instantly at Amazon.com checkout.

 

Here’s what we like about the card:

  • We’ll DOUBLE all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202 – Automatically. Only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more – up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR* on purchases & balance transfers for 12 months – then a variable purchase APR applies, currently 11.24% – 23.24%. A 3% fee applies to each transferred balance
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won’t raise your APR*

Hilton HHonorsTM Card from American Express

American-Express-Hilton-Credit-Card

It may seem odd to include a hotel credit card among a list of favorite grocery and gas cards, but Hilton HHonorsTM Card from American Express rewards those purchases as well as restaurant purchases with at 5 points per $1 spent. And all other purchases earn 3 points/dollar. And you automatically receive complimentary Silver status in Hilton HHonors. Consumers who are loyal to the Hilton brand would be smart to check out this highly rewarding card.

 

Here’s what we like about the card:

  • Get 40,000 Hilton HHonors™ Bonus Points after you spend $750 in purchases on the Card within your first 3 months of Card Membership
  • Earn 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio
  • Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
  • Enjoy complimentary Silver status with your Hilton HHonors™ Card. Silver status gives you a 15% bonus on HHonors Base Points earned when you stay
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn HHonors Gold status through the end of the next calendar year
  • Terms and limitations apply.

Kroger 1-2-3 Rewards Visa® Card

Kroger_Visa_Card

If you live near and shop at any of the Kroger brand of grocery stores, this card is a great option for earning cash back fast on the things you buy every day. You earn double points on the purchases you already make at the supermarket, and triple points on their store-branded products. Plus, you save an additional 25 cents per gallon of gas for the first three months when you redeem 100 fuel points using your card.

 

Here’s what we like about the card:

  • Earn 3 points for every dollar you spend on Kroger store-brand products
  • Earn 2 points for every dollar you spend in their stores on other brands
  • Earn 1 point for every dollar you spend elsewhere
  • Every 1,000 points = $5 Rewards Certificate

U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card

UsBank FlexPerks Credit Card

This card is a favorite in this category because cardmembers can earn great rewards when used for travel. Along with airlines, you’ll also earn double points on gas and groceries. U.S. Bank only allows one of the three categories a month where you can earn double points and US. bank determines that category automatically depending on which one has the most expenditure. If you spend less money in two of the three categories this feature will not affect you much.

 

Here’s what we like about the card:

  • Earn 20,000 enrollment FlexPoints after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your Card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline net purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses
  • Earn Triple FlexPoints on eligible charitable donations*
  • No Foreign Transaction Fees (based on creditworthiness).*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel or many other rewards

P.S. All of these cards offer generous rewards on your gas and grocery purchases. To choose the one that’s best for you, consider the rewards structure, spending bonuses, categories that reward spending the most, and how all of it fits into your day-to-day lifestyle.

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Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.