We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Alternatively, you could consolidate cards by looking for the best credit card for gas, groceries, and restaurants. This can be an annual savings of up to $120. Click. For example, 60,000 points are worth $750 towards airfare. Secure Website. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening, Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases, 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. Plus, there's an unlimited 6% cash back on select U.S. streaming subscriptions and 1% cash back on everything else. The Blue Cash Preferred® Card from American Express offers a competitive unlimited 3% cash back at U.S. gas stations. On Information about the PNC Cash Rewards® Visa® has been collected independently by CNBC and has not been reviewed or provided by the issuer of the cards prior to publication. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. 4% cash back at gas stations, 3% cash back on dining, and 2% cash back at grocery stores, for the first $8,000 in combined purchases in these categories annually, 1% cash back on all other purchases, $100 bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening, 0% for the first 12 billing cycles on balance transfers, 3%, $5 minimum, within the first 90 days from account opening, then 4%, $5 minimum. There are also plenty of gas and grocery credit cards with no annual fees. Finance. CNBC Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. Wells Fargo makes it easy to redeem points for cash, gift cards or travel. The best cash back card for heavy grocery spenders and those with bills to pay is the Scotiabank Momentum Visa Infinite. 4x points on dining, 2x points on groceries, gas, and streaming services, 1x points on all else, 20,000 points after spending $1,000 within 90 days. Bonus rewards means a cardholder earns 2% or 2 points per dollar in a given category. In addition to earning high rewards at gas stations, cardholders also benefit from unlimited 3X points at grocery stores. We also considered additional perks, the application process and how easy it is for the consumer to redeem points. It's a great fit for earning cash back on a variety of purchases. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Motley Fool owns shares of and recommends Mastercard and Visa. Our final picks are weighted heavily toward the highest five-year returns, since it's generally wise to hold onto a credit card for years. Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months. All rights reserved. Who's this for? 1X points on all other purchases, 20,000 bonus points when you spend $1,000 in purchases in the first 3 months, 0% APR for 12 months on purchases and qualifying balance transfers, 14.49% to 24.99% variable on purchases and balance transfers, Introductory fee of 3% ($5 minimum) for 120 days, then 5% ($5 minimum). The best credit card for gas and groceries is the Blue Cash Preferred® Card from American Express. Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. 3X points per $1 spent at restaurants, supermarkets, gas stations, and on hotels and air travel, 1X points on all other purchases, 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening, 15.99% to 23.99% variable APR on purchases and balance transfers, Rewards totals incorporate the rewards earned from the welcome bonus. Best Credit Cards for Gas Purchases. Good rewards for gas spending: You can easily find cards that provide a 3% cash back equivalent for gas, though you can also get 5% back and occasionally more. Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too. Here’s why: The Blue Cash Preferred® Card from American Express could save you at the pump — and when you’re checking out at the grocery store. Credit Rating Requirement: If you want to maximize rewards at gas stations, this card can earn the average American $111 annually. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. Credit cards for gas and groceries are a great way to get more cash back in two popular categories. Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, $200 after making at least $1,000 in purchases within the first 90 days of account opening, Great for: Whole Foods and Amazon Prime Shoppers, The fact that this card includes no annual fee makes it a no-brainer for Amazon Prime members. 5 stars equals Best. 3 stars equals Good. Bank of America's While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your spending habits. Thanks in advance That's fairly reasonable, though there are other cards on this list offering the same gas rewards without an annual fee. That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more, Earn 4X points on takeout, food delivery and dining, Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services, 1 point per $1 spent on all other eligible purchases, Low Introductory APR on purchases and balance transfers. The Citi Premier® Card is a good option for frequent travelers, especially those who drive. Discover will automatically match all the cash back you’ve earned at the end of your first year! Grocery rewards: With this card, you’ll earn 6% cash back at U.S. supermarkets (on up to $6,000 per calendar year in purchases — then 1%). But which credit card is best for groceries right now? An application must be submitted to the issuer for a potential approval decision. Best reward rate on both groceries and gas The Blue Cash Preferred Card from American Express has a best-in-class earnings rate of 6% cash back at U.S. supermarkets (for first $6,000 per year) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases. A gas and grocery credit card is a card that earns bonus rewards on gas and grocery purchases. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Credit Rating Requirement: Chase Freedom Unlimited If you’re looking for the best cashback credit card for groceries, try the Chase Freedom Unlimited card, which will offer you the chance to receive a 5% cashback on up to $1,500 in purchases found in rotating categories each quarter with 1% cashback on all other purchases. Dining purchases also earn a competitive 3% cash back. The lucrative Amazon.com cash back, big welcome bonus, and 0% intro APR offer round out a diverse feature set. Who's this for? Copyright, Trademark and Patent Information. This card does come with a $95 annual fee (waived in the first year), but it can be offset by the cash back you earn and discounts you can get through the Amex Offers. Terms apply. The Ascent is reader-supported: we may earn a commission from offers on this page. The Ascent does not cover all offers on the market. Whether you're looking for a no-annual-fee card, a big sign-up bonus, or a 0% intro APR, you can find a credit card for gas and groceries that fits the bill. Capital One is worth a mention on the list of best credit cards for gas and groceries because of its seemingly unlimited rewards that really are unlimited. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. In addition to rewards rates and fees, you should also look for spending caps on bonus rewards. It and Freedom aren't helpful for groceries this year and I wouldn't bet on it next year. There are often restrictions on what qualifies as a gas station. Gas and grocery credit cards are cards that earn more rewards for gas and grocery purchases. This rewards rate earns the average American $67 a year on purchases made at U.S. gas stations. It’s how we make money. We’re awarding this the best overall credit card for groceries. In order to find the best card for your next trip to the gas station, we analyzed 29 popular rewards cards that offer gas station rewards using an average American's annual spending budget and digging into each card's perks and drawbacks. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. Anyone can join by completing a few extra steps: You need to apply, open a savings account with a $5 deposit and maintain a $5 account balance. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Why this is one of the best grocery rewards credit cards: With the IHG Rewards Club Premier Credit Card, you earn two points for every dollar you spend at grocery stores, gas stations and restaurants. INTRO OFFER: Unlimited Cashback Match – only from Discover. Secure Website. Picking the best credit card for groceries for you is the first step. 2% Cash Back at U.S. gas stations and at select U.S. department stores. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. You can unsubscribe at any time. By submitting your email address, you consent to us sending you money tips along with products and services that we think might interest you. This card offers 3X points per $1 spent on air travel and hotels and at gas stations, supermarkets and restaurants. This card does have a $95 annual fee. They may also come with considerable signup or welcome bonuses. Good/Excellent These cards generally earn 2% back or more on gas and groceries and 1% back on all other purchases.
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