Top 10 · updated October 29, 2026

Best grocery and gas credit cards

Ranked on spending with supermarket and gas station purchases both counted double, for households where those two are most of the budget.

1
American Express
Blue Cash Preferred Card
6% cash back on eligible purchases at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%) · 6% cash back on select U.S. streaming subscriptions
Worth about $1,039 every year on spending weighted to your picks — rewards and credits minus the $95 fee.
$607/ yearAnnual fee $95
2
Chase
Chase Sapphire Preferred Credit Card
5x points on Chase Travel · 3x points on dining, gas stations, EV charging, vacation homes, top streaming services, and online grocery
Worth about $813 every year on spending weighted to your picks — rewards and credits minus the $95 fee.
$561/ yearAnnual fee $95
3
Wells Fargo
Active Cash Credit Card
2% cash rewards on purchases with no categories to track or quarterly activations
Worth about $792 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$624/ yearAnnual fee $0
4
Citi
Citi Double Cash Credit Card
2% cash back on purchases: 1% when you buy · 1% as you pay, with no category enrollment, caps, or annual fee
Worth about $792 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$624/ yearAnnual fee $0
5
U.S. Bank
U.S. Bank Smartly Visa Signature Card
2% cash back on every purchase with no caps, and up to an additional 2% cash back when paired with qualifying U.S. Bank accounts
Worth about $792 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$624/ yearAnnual fee $0
6
Citi
Citi Strata Premier Card
10 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com · 3 points per dollar spent on Air Travel, Restaurants, Supermarkets, and Gas & EV Charging Stations
Worth about $783 every year on spending weighted to your picks — rewards and credits minus the $95 fee.
$531/ yearAnnual fee $95
7
Citi
Citi Strata Card
5x points on Hotels, Car Rentals, and Attractions booked through cititravel.com · 3x points at Supermarkets, Gas & EV Charging Stations, and on an eligible Self-Select Category
Worth about $780 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$528/ yearAnnual fee $0
8
Barclays
Wyndham Rewards Earner Plus Card
6 points per $1 spent on eligible purchases made at Hotels by Wyndham · 4 points per $1 spent on dining, grocery store purchases, and travel
Worth about $763 every year on spending weighted to your picks — rewards and credits minus the $95 fee.
$552/ yearAnnual fee $95
9
Wells Fargo
Choice Privileges Select Mastercard
10X points on stays at participating Choice Hotels · 5X points on purchases at gas stations, grocery stores, and home improvement stores
Worth about $737 every year on spending weighted to your picks — rewards and credits minus the $95 fee.
$485/ yearAnnual fee $95
10
Capital One
Savor Rewards for Good Credit
3% cash back at grocery stores, on dining, entertainment and popular streaming services · 1% cash back on all other purchases
Worth about $732 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$528/ yearAnnual fee $0

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

Questions people ask

What is the best grocery and gas credit card?

As of October 29, 2026, the American Express Blue Cash Preferred Card ranks first worth about $607 a year after its $95 annual fee on typical spending. The Chase Sapphire Preferred Credit Card and Wells Fargo Active Cash Credit Card come second and third.

How are these grocery and gas cards ranked?

Ranked on spending with supermarket and gas station purchases both counted double, for households where those two are most of the budget. Each card's value is its rewards plus the credits a typical cardholder uses, minus its annual fee; points are converted at conservative cash values. No issuer pays for placement.

Is a card with an annual fee ever worth it?

Only if its extra rewards and credits beat the fee on your own spending. In this list the fee is already subtracted, so a $0-fee card and a $95 card are compared on what they actually leave you with.

Ranked for an average spender.

Tell us what you actually spend, and which cards you already have, and we'll rank them for you instead.

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More rankings

Maintained by Aashish Shah. Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.