10 Best Credit Cards for Gas and Groceries of 2026

This list is for households whose two biggest card expenses are fuel and the weekly grocery run. We compared ten US personal credit cards using each issuer's own card page in November 2026, looking at gas and supermarket earn rates, annual caps, which stores count, annual fees and redemption options. We compared documented features and published fees; we did not apply for the cards. Rankozo weights value at 40%, features at 35% and ease of use at 25%, so a card that pays well on both categories for a low fee ranks above one that pays more on a single category. The price shown for each card is its annual fee. Welcome offers and APRs change often and approval depends on your credit, so read the issuer page before you apply.

1. 01Top value

   

   Blue Cash Preferred Card from American Express

   9.1/10

   An Amex cash back card that pays 6% at U.S. supermarkets on up to $6,000 a year and 3% at U.S. gas stations.

   Price

   $95annual fee

   $0 intro annual fee for the first year, then $95

   “The American Express Blue Cash Preferred ® Card has a $0 introductory annual fee for the first year. After that it will be $95 per year.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   9.3

   Features (35%)

   9.2

   Ease of use (25%)

   8.8

   Best forFamilies with a large weekly supermarket bill who also drive most days.

   Blue Cash Preferred is the card that pays the most on the two categories this list is about. American Express lists 6% cash back at U.S. supermarkets on up to $6,000 a year in purchases, then 1%, and 3% at U.S. gas stations, where the card page shows no spending cap. It also pays 6% on select U.S. streaming subscriptions and 3% on transit such as tolls, parking, rideshare and trains, so many commuting costs earn the higher rate too. A household that spends $500 a month at the supermarket earns $360 a year on groceries alone, which covers the $95 fee several times over; the first year has a $0 introductory fee. Rewards come as Reward Dollars that can be used as a statement credit, a deposit into an Amex High Yield Savings Account or at Amazon.com checkout. The Disney streaming credit is worth up to $10 a month after enrollment. The downsides are the 1% rate once you pass $6,000 at supermarkets and a 2.7% fee on purchases abroad.

   • ✓Highest supermarket rate on this list for the first $6,000 each year
   • ✓Gas earns 3% with no cap listed on the card page
   • ✓First year has no annual fee, so you can test the earnings before paying

   • ✕$95 annual fee from the second year
   • ✕Supermarket rate drops to 1% after $6,000 a year
   • ✕2.7% foreign transaction fee

   Annual fee:

   $0 first year, then $95

   Supermarkets:

   6% on up to $6,000 a year, then 1%

   Gas:

   3% at U.S. gas stations

   Foreign transaction fee:

   2.7%

   Bottom line: The best card for gas and groceries when the supermarket bill is the largest line in the budget. The extra 3 points over the no-fee Blue Cash Everyday cover the $95 fee once you spend about $265 a month at U.S. supermarkets.

   Visit americanexpress.com ↗

2. 02

   

   PenFed Platinum Rewards Visa Signature Card

   8.9/10

   A credit union card that earns 5x points on gas at the pump and EV charging and 3x at supermarkets, with no annual fee.

   Price

   Freeannual fee

   $0 annual fee

   “Earning bonus points on everyday purchases, with low APRs and no annual fee.” Quoted from the pricing page, November 10, 2026.

   Free plan

   Yes

   Value (40%)

   9.3

   Features (35%)

   8.6

   Ease of use (25%)

   8.6

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

   PenFed Platinum Rewards is the strongest pure fuel card here. PenFed lists 5x points on gas paid at the pump and at EV charging stations, and 3x at the supermarket, at restaurants and on TV, radio, cable and streaming services, with 1x on everything else. The card page says there are no caps and no rotating categories, so a long commute earns the same rate in December as in January. A detail that matters for grocery shoppers: PenFed says its supermarket category includes most Target and Walmart locations, which several other issuers on this list exclude. The welcome offer is 15,000 bonus points after $1,500 in qualified purchases within 90 days, and there is no annual fee. You do not need to be a member first; PenFed creates the membership during the application. The trade-offs are that only pay-at-the-pump fuel purchases are named for 5x, and points are redeemed for travel, merchandise or gift cards rather than a simple statement credit.

   • ✓Highest gas rate on this list for a no-fee card
   • ✓Supermarket bonus covers most Target and Walmart locations
   • ✓No earning caps

   • ✕Gas must be paid at the pump to earn 5x
   • ✕Points redeem for travel, merchandise and gift cards rather than plain cash
   • ✕Requires PenFed membership, created during the application

   Annual fee:

   None

   Gas and EV charging:

   5x points

   Supermarkets:

   3x points

   Welcome offer:

   15,000 points after $1,500 in 90 days

   Bottom line: The best no-fee card for heavy drivers, with 5x on fuel and EV charging and 3x on groceries without a cap. Pick it over Blue Cash Preferred when you spend more on fuel than at the supermarket.

   Visit penfed.org ↗

3. 03

   

   Blue Cash Everyday Card from American Express

   8.8/10

   A no-fee Amex card that pays 3% at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases.

   Price

   Freeannual fee

   $0 annual fee

   “The American Express Blue Cash Everyday ® Card has no annual fee.” Quoted from the pricing page, November 10, 2026.

   Free plan

   Yes

   Value (40%)

   9.0

   Features (35%)

   8.3

   Ease of use (25%)

   9.0

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

   Blue Cash Everyday is the no-fee version of the Amex grocery card and a sound default for households that do not want to pay $95 a year. American Express lists 3% cash back at U.S. supermarkets, 3% at U.S. gas stations and 3% on U.S. online retail purchases, each on up to $6,000 a year in purchases before the rate falls to 1%. Because the caps are separate, a household can earn the bonus on $18,000 of combined spending a year. Rewards arrive as Reward Dollars, redeemable for a statement credit, a deposit into an Amex High Yield Savings Account or at Amazon.com checkout. The card also includes a Disney streaming credit of up to $7 a month after enrollment. Compared with Blue Cash Preferred, it pays half as much at supermarkets and caps gas at $6,000 a year, so families with a large grocery bill usually come out ahead on the paid card. Purchases abroad carry a 2.7% fee.

   • ✓No annual fee
   • ✓Three separate 3% categories, each with its own $6,000 cap
   • ✓Cash back is simple to redeem as a statement credit

   • ✕Each 3% category drops to 1% after $6,000 a year
   • ✕Half the supermarket rate of Blue Cash Preferred
   • ✕2.7% foreign transaction fee

   Annual fee:

   None

   Supermarkets:

   3% on up to $6,000 a year, then 1%

   Gas:

   3% on up to $6,000 a year, then 1%

   Foreign transaction fee:

   2.7%

   Bottom line: The simplest no-fee card for gas and groceries, with 3% on both plus online shopping. Move to Blue Cash Preferred if you spend more than about $265 a month at U.S. supermarkets.

   Visit americanexpress.com ↗

4. 04

   

   Citi Strata Premier Card

   8.7/10

   A $95 Citi points card that earns 3x at supermarkets, gas and EV charging stations, restaurants and on air travel.

   Price

   $95annual fee

   $95 annual fee

   “Annual fee - $95” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   9.0

   Ease of use (25%)

   8.4

   Best forHouseholds that want grocery and gas points they can also turn into travel.

   Citi Strata Premier suits a household that spends heavily on groceries and fuel but also travels a few times a year. Citi lists 3x ThankYou points at supermarkets, at gas and EV charging stations, at restaurants and on air travel and other hotel purchases, plus 10x on hotels, car rentals and attractions booked through cititravel.com, and 1x on everything else. The card page does not show an annual cap on the supermarket or gas categories, which helps large families who would pass the $6,000 limits on the Amex Blue Cash cards. Once per calendar year, Citi takes $100 off a single hotel stay of $500 or more booked through cititravel.com, which can offset most of the $95 fee if you already travel. There is no fee on foreign purchases. The trade-off is that points are best used for travel through Citi Travel or Citi's transfer options, so a household that only wants cash back gets a simpler deal from Blue Cash Preferred.

   • ✓3x on groceries and gas with no cap listed on the card page
   • ✓ThankYou points can be used for travel through Citi Travel or transferred
   • ✓No foreign purchase fee

   • ✕$95 annual fee
   • ✕The $100 hotel benefit requires a $500 stay booked through Citi
   • ✕Points are worth the most when used for travel

   Annual fee:

   $95

   Supermarkets:

   3x points

   Gas and EV charging:

   3x points

   Foreign purchase fee:

   None

   Bottom line: The best points card for gas and groceries, with uncapped 3x on both and a hotel benefit that can cover the fee. Choose it if you want travel options from your supermarket spending.

   Visit citi.com ↗

5. 05

   

   Citi Strata Card

   8.6/10

   A no-fee Citi points card that earns 3x at supermarkets, at gas and EV charging stations and in one category you choose.

   Price

   Freeannual fee

   $0 annual fee

   “$0 Annual fee” Quoted from the pricing page, November 10, 2026.

   Free plan

   Yes

   Value (40%)

   8.8

   Features (35%)

   8.4

   Ease of use (25%)

   8.6

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

   Citi Strata is the no-fee card with the broadest 3x coverage for this list. Citi lists 3x ThankYou points at supermarkets, 3x at gas and EV charging stations and on select transit, and 3x in one self-select category, with options such as fitness clubs, select streaming services, live entertainment and cosmetic stores or barber shops. Restaurants earn 2x, hotels, car rentals and attractions booked through cititravel.com earn 5x, and other purchases earn 1x. That mix gives a household 3x on groceries and fuel, the same rate as the $95 Strata Premier, without paying an annual fee. The card also carries a low intro APR offer on purchases and balance transfers; check the exact length on Citi's page because it was not shown when we checked. The downsides are a foreign purchase fee, which the Premier does not charge, and rewards paid in ThankYou points rather than cash, so it suits people comfortable redeeming through Citi's program.

   • ✓3x at both supermarkets and gas stations with no annual fee
   • ✓A self-select 3x category adds flexibility
   • ✓Intro APR offer on purchases and balance transfers

   • ✕Rewards are ThankYou points rather than plain cash back
   • ✕Charges a foreign purchase fee
   • ✕Restaurants earn 2x, below several cards here

   Annual fee:

   $0

   Supermarkets:

   3x points

   Gas and EV charging:

   3x points

   Restaurants:

   2x points

   Bottom line: A strong no-fee choice that matches the Strata Premier's 3x on groceries and gas. Skip it if you travel abroad, since it charges a foreign purchase fee.

   Visit citi.com ↗

6. 06

   

   Costco Anywhere Visa Card by Citi

   8.5/10

   Costco's Citi Visa that pays 5% on gas at Costco and 4% on other eligible gas and EV charging, up to $7,000 a year.

   Price

   Freeannual fee

   No annual fee with a paid Costco membership

   “Does the Costco Anywhere Visa® Card by Citi have an annual fee? No.” Quoted from the pricing page, November 10, 2026.

   Free plan

   Yes

   Value (40%)

   8.6

   Features (35%)

   8.4

   Ease of use (25%)

   8.4

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

   The Costco Anywhere Visa is the right card if Costco is already your supermarket and your gas station. Citi lists 5% cash back on gas at Costco warehouses and 4% on other eligible gas and EV charging, on the first $7,000 a year in combined purchases before the rate drops to 1%. Restaurants and eligible travel earn 3%, all other Costco and Costco.com purchases earn 2%, and everything else earns 1%. The card doubles as your Costco membership ID, there is no annual fee while your Costco membership is paid, and there are no foreign transaction fees. The limits are important for this list: Citi says grocery stores and warehouse clubs outside Costco earn 1%, so a family that shops at a regular supermarket earns less here than on any Amex or Citi Strata card. Cash back is also paid once a year as a reward certificate after the February statement closes, redeemable for cash or merchandise at U.S. Costco warehouses.

   • ✓Top gas rate at Costco pumps
   • ✓2% back on Costco grocery runs
   • ✓No foreign transaction fees

   • ✕Requires a paid Costco membership
   • ✕Supermarkets outside Costco earn only 1%
   • ✕Cash back arrives once a year as a certificate redeemable at U.S. Costco warehouses

   Annual fee:

   None with paid Costco membership

   Gas:

   5% at Costco, 4% elsewhere, on first $7,000 a year

   Costco purchases:

   2%

   Foreign transaction fee:

   None

   Bottom line: The best fuel card for Costco members, paying 5% at Costco pumps and 2% on warehouse grocery runs. Non-members and regular supermarket shoppers should look elsewhere.

   Visit citi.com ↗

7. 07

   

   Capital One Savor Cash Rewards

   8.4/10

   A no-fee Capital One card with unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming.

   Price

   Freeannual fee

   $0 annual fee

   “$0 annual fee Plus, there are no hidden or foreign transaction fees.” Quoted from the pricing page, November 10, 2026.

   Free plan

   Yes

   Value (40%)

   8.6

   Features (35%)

   8.0

   Ease of use (25%)

   8.8

   Best forHouseholds that spend on groceries and eating out more than on fuel.

   Capital One Savor is here for the grocery half of the question. Capital One lists unlimited 3% cash back at grocery stores, on dining, on entertainment and on popular streaming services, 8% on Capital One Entertainment purchases, 5% on hotels, vacation rentals and rental cars booked through Capital One Travel, and 1% on everything else. Unlike the Amex Blue Cash cards, there is no annual cap on the 3% grocery rate. Capital One defines grocery stores as supermarkets, meat lockers, freezers, dairy product stores and specialty markets, and says superstores like Walmart and Target are excluded. The card has no annual fee and no foreign transaction fees, offers a $200 bonus after $500 in purchases in the first 3 months, and has a 0% intro APR for 12 months on purchases and balance transfers, then 18.74% to 28.74% variable. The weak spot is fuel: gas earns the base 1%, so drivers should pair it with a gas card or pick PenFed or Citi Strata.

   • ✓No cap on the 3% grocery rate
   • ✓No annual or foreign transaction fees
   • ✓Low $500 spending requirement for the welcome bonus

   • ✕No bonus category for gas
   • ✕Walmart and Target are excluded from grocery stores
   • ✕Best suited to diners and grocery shoppers rather than drivers

   Annual fee:

   $0

   Grocery stores:

   Unlimited 3%

   Gas:

   1%

   Welcome offer:

   $200 after $500 in 3 months

   Bottom line: A good no-fee pick for families whose food spending, at home and out, outweighs their fuel bill. It does not reward gas, so pair it with a fuel card if you drive a lot.

   Visit capitalone.com ↗

8. 08

   

   Wells Fargo Autograph Card

   8.3/10

   A no-fee Wells Fargo card that earns 3x points on gas and transit, restaurants, travel, streaming and phone plans.

   Price

   Freeannual fee

   $0 annual fee

   “$0 annual fee” Quoted from the pricing page, November 10, 2026.

   Free plan

   Yes

   Value (40%)

   8.4

   Features (35%)

   7.8

   Ease of use (25%)

   8.8

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

   Wells Fargo Autograph covers the fuel side of a household budget and many recurring bills, but not the supermarket. Wells Fargo lists 3x points on restaurants, travel, gas and transit, popular streaming services and phone plans, and 1x on other purchases. Its gas definition includes gas stations, automated fuel dispensers and electric vehicle charging stations, and transit includes toll bridges, highways and parking. The card's own calculator values points at $0.01 each, so 3x works out to about 3% back. There is no annual fee and no foreign transaction fee, the welcome offer is 20,000 bonus points after $1,000 in purchases in the first 3 months, and new accounts get a 0% intro APR for 12 months on purchases, then 18.74%, 24.74% or 28.74% variable. The gap for this list is groceries, which earn 1x. It works best for a driver who pairs it with a supermarket card such as Blue Cash Everyday or Savor.

   • ✓3x on gas with no annual fee
   • ✓Broad bonus categories that include phone plans and streaming
   • ✓No foreign transaction fee

   • ✕No bonus for groceries
   • ✕Points are valued at $0.01 each in Wells Fargo's own calculator
   • ✕Bonus points require $1,000 in spending in 3 months

   Annual fee:

   $0

   Gas and EV charging:

   3x points

   Groceries:

   1x points

   Welcome offer:

   20,000 points after $1,000 in 3 months

   Bottom line: A useful no-fee fuel card that also rewards tolls, parking, phone plans and streaming. Pair it with a grocery card, because supermarket purchases earn only 1x.

   Visit wellsfargo.com ↗

9. 09

   

   American Express Gold Card

   7.9/10

   A $325 Amex points card that earns 4x at U.S. supermarkets on up to $25,000 a year and 4x at restaurants worldwide.

   Price

   $325annual fee

   $325 annual fee for the Basic Card

   “The annual fee for the American Express ® Gold Card is $325” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   7.2

   Features (35%)

   8.8

   Ease of use (25%)

   7.6

   Best forBig grocery and dining spenders who will use the monthly dining and Uber credits.

   The Amex Gold earns more on groceries than any other points card here, but it is a poor fuel card and an expensive one. American Express lists 4x Membership Rewards points at U.S. supermarkets on up to $25,000 a year and 4x at restaurants worldwide on up to $50,000 a year, plus 5x on prepaid hotels and 3x on flights booked through Amex Travel. Gas has no bonus. The $325 fee comes with a set of credits: up to $10 a month in dining credits at Grubhub, Five Guys and other named merchants, $10 a month in Uber Cash, up to $100 a year at Resy restaurants split into two halves, and up to $7 a month at Dunkin'. Those credits only offset the fee if you already spend at those merchants, and most need enrollment. Points transfer to 20 airline and hotel partners, and there are no foreign transaction fees. For a household focused on groceries and fuel, Blue Cash Preferred returns more for far less.

   • ✓Highest supermarket cap on this list at $25,000 a year
   • ✓Transferable points for travelers
   • ✓No foreign transaction fees

   • ✕$325 annual fee
   • ✕No bonus category for gas
   • ✕Credits are monthly or semi-annual and most need enrollment

   Annual fee:

   $325

   Supermarkets:

   4x on up to $25,000 a year

   Restaurants:

   4x on up to $50,000 a year

   Gas:

   1x

   Bottom line: Worth it only for families who spend heavily at supermarkets and restaurants and will use the monthly credits. Drivers get nothing extra on gas.

   Visit americanexpress.com ↗

10. 10

    

    Chase Freedom Flex

    7.9/10

    A no-fee Chase card with 5% rotating quarterly categories, which are grocery stores from October 2026 to March 2027.

    Price

    Freeannual fee

    $0 annual fee

    “You won't have to pay an annual fee” Quoted from the pricing page, November 10, 2026.

    Free plan

    Yes

    Value (40%)

    8.2

    Features (35%)

    7.9

    Ease of use (25%)

    7.6

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

    Chase Freedom Flex is a part-time grocery and gas card. Chase pays 5% cash back on up to $1,500 in combined purchases in rotating categories each quarter you activate. The calendar on Chase's page lists gas stations, public transit and EV charging for July to September 2026, and grocery stores, excluding Walmart and Target, for both October to December 2026 and January to March 2027. Outside the categories, the card pays 5% on travel booked through Chase Travel, 3% on dining and drugstores, and 1% on everything else. There is no annual fee, no foreign transaction fee and a 0% intro APR for 15 months on purchases and balance transfers, then 18.49% to 27.99% variable. The welcome offer is a $200 bonus after $500 in purchases in the first 3 months. The catch is effort and limits: you must activate each quarter, the 5% rate stops at $1,500 a quarter, and future quarters may not include gas or groceries at all.

    • ✓5% on groceries for two straight quarters
    • ✓No annual fee and no foreign transaction fees
    • ✓0% intro APR for 15 months on purchases and balance transfers

    • ✕Must activate every quarter
    • ✕5% applies only to the first $1,500 per quarter
    • ✕Categories change, so gas and groceries are not always included

    Annual fee:

    $0

    Rotating 5%:

    Up to $1,500 per quarter after activation

    Oct to Dec 2026:

    Grocery stores (excluding Walmart and Target)

    Variable APR after intro:

    18.49% to 27.99%

    Bottom line: A good second card that pays 5% on groceries through March 2027 for people who remember to activate. It cannot be your only gas and grocery card because the categories rotate.

    Visit chase.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.