In the world of credit cards, finding the right one for your everyday expenses can be a game-changer.

In this blog post, we’ll delve into the realm of groceries and gas – two necessities that often dominate your monthly budget. With so many options available, we’ve done the research for you, presenting the best credit cards for groceries and gas in 2024.

We will also be sharing our favorite app for managing your credit card rewards, offers and cashback. The best part is it’s free on the app store!

How to Choose the Best Credit Card for You

When it comes to picking the right credit card, it’s all about considering the factors that matter most to you. You gotta think about your spending habits, annual fees, rewards structure, and interest rates.

First things first, let’s talk about your spending habits.

  • Are you a responsible spender who pays off your balance in full every month?
  • Or do you tend to carry a balance from time to time?

Knowing this about yourself will help you determine which type of credit card aligns with your spending style.

Some credit cards come with an annual fee, while others are fee-free. Now, don’t be quick to dismiss a card just because it has a fee attached. Sometimes, the benefits and perks that come with a card can far outweigh the annual fee. It’s all about doing the math and figuring out if the rewards and benefits you’ll receive are worth the cost.

Many credit cards offer rewards programs, whether it’s cashback, travel points, or other cool perks. Think about what kind of rewards fit your lifestyle and financial goals.

  • Do you love traveling and dream of free flights?
  • Or do you prefer cold, hard cashback? It’s truly up to you!

Another important note: make sure you pay attention to the interest rates associated with the card (because nobody wants to be stuck with high interest charges!).

Ultimately, your ideal credit card should align with your financial goals and complement your lifestyle.

The Best Credit Cards for Groceries and Gas

Blue Cash Preferred® Card from American Express

Our Overall Winner

Blue Cash Preferred Credit Card

Why we love it: This is one of the best credit cards for gas and groceries because it gives 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, received as rewards dollars (which can be redeemed as a statement credit)

Fuel Your Savings: Now let’s talk about something that hits close to home for many of us: gas expenses. With the Blue Cash Preferred® Card, you’ll earn a 3% cashback at U.S. gas stations. So every time you fuel up your vehicle or go on road trips with your friends, you’ll be earning cashback.

Other Perks:

When you spend a certain amount within the first few months of opening your Blue Cash Preferred® Card, you’ll be treated to a cashback bonus. It’s like a little financial gift to celebrate your new card.

Annual fee: $0 intro 1st yr, $95 after

Purchase intro APR: 0% for 12 months

Blue Cash Everyday® Card from American Express

Excellent for No Annual Fee
Blue Cash Everyday Credit Card

For those keen on minimizing costs, the Blue Cash Everyday® Card steps in as an excellent choice with no annual fee. This card is perfect for budget-conscious individuals.

Introductory APR: New cardholders of the Blue Cash Everyday® Card will receive a 0% introductory APR for 15 months on both purchases and balance transfers.

Cashback Rewards: Cardholders can earn cashback on eligible everyday purchases. Additionally, Blue Cash Everyday Card Members can benefit from over $250 annually in credits, including a $84 Disney Bundle Credit that allows streaming of movies, shows, sports, and more through Disney+, Hulu, and ESPN.

No Annual Fee: The Blue Cash Everyday® Card has no annual fee, making it a cost-effective choice.

Reward Potential: According to WalletHub’s calculations, the average person can earn nearly $1,200 in rewards value over the first two years of use with the Blue Cash Everyday

It’s important to note that these perks are subject to change, so it’s always wise to refer to the official American Express website or contact the company directly for the most up-to-date information.

Citi Premier® Card

Citi Premier Card

Why we like it:

We love this card for travel enthusiasts because it offers a fantastic opportunity to use points earned from everyday purchases like groceries and gas to help fund your adventures. It’s a win-win situation! By simply using your card for your routine expenses, you can accumulate points that can be redeemed for travel expenses, making your next adventure more affordable and enjoyable.

So, if you’re someone who loves to travel, this card can be a game-changer for you.

Welcome Bonus: The Citi Premier® Card offers a welcome bonus of 60,000 points.

Reward Potential: The card earns points on everyday purchases, including 3 points per $1 spent at restaurants, supermarkets, gas stations, air travel, and hotels, and 1 point per $1 on all other purchases!

Transfer Partners: The Citi Premier® Card allows you to transfer your points to a variety of airline and hotel loyalty programs, potentially increasing the redemption value of your points.

Cons:

Annual Fee: The Citi Premier® Card has an annual fee of $95

Foreign Transaction Fees: When using the card abroad, there may be foreign transaction fees, which can add up if you frequently travel outside the United States.

It’s important to note that these perks and cons might change over time, so it’s recommended to refer to the official Citi website or contact the company directly for the most accurate and up-to-date information.

Capital One SavorOne Cash Rewards Credit Card

Capital One Card

Last but not least, we’ll explore the Capital One SavorOne Cash Rewards Credit Card. With a focus on cashback rewards, especially for groceries and gas, this card stands out, especially for individuals who enjoy dining and entertainment.

Perks:

0% Introductory Rates: The card offers a 0% intro APR on purchases and balance transfers for 15 months. This can be beneficial for managing larger purchases or transferring balances from higher-interest cards.

Cash Back Rewards: The SavorOne Credit Card offers 3% cash back on dining, entertainment, popular streaming services, and groceries. Additionally, you can earn 5% cash back on hotels and rental cars booked through Capital One.

No Annual Fee: One of the great perks is that the Capital One SavorOne Cash Rewards Credit Card does not charge an annual fee. This makes a great starter credit card.

Cons:

Variable APR: After the introductory period, the APR will be variable, ranging from 19.99% to 29.99%. t’s important to pay attention to this rate and consider whether it aligns with your financial circumstances.

Limited Bonus Categories: While the card offers generous rewards in specific categories like dining, entertainment, streaming services, and groceries, it may have limited rewards in other spending categories. If you tend to spend a significant amount outside of these categories, you may want to consider other cards that offer rewards in those areas.

It’s important to note that credit card terms and conditions can change, so it’s always a good idea to check the latest information directly from the issuer’s website before applying or making any decisions.

How to Become a Savvy Spender

Are you someone who loves getting the most value out of your purchases? If so, then you’re missing out if you haven’t started using the Savvy Spend Smart app yet. Let me explain why this free app is a game-changer.

The Savvy app is specifically designed to help you maximize your credit card offers, rewards, and cashback. It does this by automatically notifying you about offers linked to your card that you may not even be aware of. We all know that claiming rewards and offers on credit cards can be a time-consuming process, and let’s be honest, it’s easy to forget to do it altogether. But with Savvy, everything is taken care of for you.

The app will notify you when you’re shopping online or in-store, letting you know how you can save even more money. It eliminates the hassle of keeping track of all the potential discounts and rewards available to you.

Don’t miss out on the chance to maximize your savings and make your money work harder for you.

Download the Savvy app now and stop leaving money on the table.

This post was all about the best credit cards for groceries and gas.

Disclosure: This post may contain affiliate links, meaning we receive a commission for purchases made through these links, at no cost to you.

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *