Free plans only

7 Best Free Credit Cards for Gas and Groceries of 2026

By the Rankozo research desk · Updated November 10, 2026

7 of the 10 tools in our best credit cards for gas and groceries ranking offer a permanent free plan. PenFed Platinum Rewards Visa Signature Card scores highest among them at 8.9 out of 10.

1. 01

   PenFed Platinum Rewards Visa Signature Card

   Drivers whose fuel bill is their biggest expense and who want uncapped rewards.

   $0 annual fee

   Full entry, No. 2 overall

   Paid from

   Free

   Score 8.9

2. 02

   Blue Cash Everyday Card from American Express

   Households that want a grocery and gas bonus without an annual fee.

   $0 annual fee

   Full entry, No. 3 overall

   Paid from

   Free

   Score 8.8

3. 03

   Citi Strata Card

   Shoppers who want a 3x rate on both groceries and fuel without an annual fee.

   $0 annual fee

   Full entry, No. 5 overall

   Paid from

   Free

   Score 8.6

4. 04

   Costco Anywhere Visa Card by Citi

   Costco members who fill up at the warehouse and buy most groceries there.

   No annual fee with a paid Costco membership

   Full entry, No. 6 overall

   Paid from

   Free

   Score 8.5

5. 05

   Capital One Savor Cash Rewards

   Households that spend on groceries and eating out more than on fuel.

   $0 annual fee

   Full entry, No. 7 overall

   Paid from

   Free

   Score 8.4

6. 06

   Wells Fargo Autograph Card

   Drivers who also want bonus points on dining, travel and their phone bill.

   $0 annual fee

   Full entry, No. 8 overall

   Paid from

   Free

   Score 8.3

7. 07

   Chase Freedom Flex

   Organized shoppers who will activate each quarter and pair the card with a year-round gas card.

   $0 annual fee

   Full entry, No. 10 overall

   Paid from

   Free

   Score 7.9

Scores and prices come from our Best Credit Cards for Gas and Groceries ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com