Best Credit Card for Groceries and Gas (2026)
Many households spend significantly on both groceries and gas. This combined profile uses ~$600/month groceries and ~$300/month gas to find cards that perform well across both categories — not just one.
Spending profile modeled: $600/mo Supermarket & Grocery · $300/mo Gas & Transportation · $150/mo Restaurant & Dining · $150/mo Other · $100/mo Travel · $100/mo Online Shopping
Top 3 cards for this profile
Spend rewards
$787
Perks & credits
$243
Welcome bonus
$900
first year only
Annual fee
$325
Spend rewards
$780
Perks & credits
$0
Welcome bonus
$900
first year only
Annual fee
$95
Spend rewards
$648
Perks & credits
$120
Welcome bonus
$1,125
first year only
Annual fee
$95
Frequently asked questions
Should I use one card or two for groceries and gas?
Often two specialized cards beat one general-purpose card, but a single strong multi-category card can be simpler. Our wallet optimizer on /optimize helps compare strategies for your actual spend.
How does Credit Card Optimizer rank the best cards for groceries & gas?
We calculate ongoing annual value for each card using the spending profile on this page ($600/mo Supermarket & Grocery · $300/mo Gas & Transportation · $150/mo Restaurant & Dining · $150/mo Other · $100/mo Travel · $100/mo Online Shopping), including category earn rates, caps, and perks, minus annual fees. Welcome bonuses are shown separately as first-year value and don't affect ranking order.
Are these rankings personalized to me?
These pages use fixed representative profiles. For rankings based on your actual monthly spend, use our free credit card optimizer.
Get rankings for your exact spending
These results use a fixed profile. Your optimal card may differ if your grocery, dining, or travel spend is higher or lower than the assumptions above.