10 Best Gas and Grocery Credit Cards in 2023
10 Best Gas and Grocery Credit Cards in 2023
10 Best Gas and Grocery Credit Cards in 2023 Are you interested in the greatest gas and grocery credit card for 2023? Are you looking online for information about credit cards to use at the grocery store or gas station?
Perhaps you are seeking for credit cards that give substantial cashback on supermarket and grocery shop purchases. If this is the case, you should feel ecstatic since you’re on the correct page.
First, let’s examine the realities of grocery store credit cards.
A example budget based on the latest current data from Esri indicates that the typical American spends around $431 monthly and $5,174 year on food. And it is more than the average yearly expenditure on eating by Americans, which is $3,670.
Families with enormous shopping costs might save several hundred dollars by using credit cards that give 1.5 to 6 percent cashback. In addition, they charge yearly fees as little as $0, which is the frosting on the cake. Hurray!
The top food reward cards at supermarkets may give a 6% rebate. While they often exclude wholesale clubs, such as B.J.’s and Costco, and big-box retailers, such as Walmart and Target. Nonetheless, similar discounts are available at Kroger, Whole Foods, and other large supermarkets.
In addition, some of the best grocery credit cards provide additional benefits in a variety of other categories, such as travel, restaurants, petrol, etc.
For example, when you pay for groceries using a rewards credit card, you may earn more than $100 year on groceries; quite a stroke of genius! So picture saving such a substantial amount of money at the moment of purchase (without the need to clip coupons); that sounds fantastic, yes!
On the other hand, while discussing rising gas prices, travelers are aware that fuel costs will continue to rise and accumulate. Undeniably, it would be the greatest choice to get the cashback and several other benefits.
Rewards Details:
Introductory APR – On purchases made during the first year or 12 months after account creation, the introductory APR will be 0%. In addition, the variable APR will range from 13.99% to 23.99%.
Annual Charge – The annual fee for the first year is $0. And afterwards, the yearly charge is $95. In addition, there is a 2.7% international transaction charge.
Pay Later Plan The $0 Buy Now, Pay Later Plan —of the American Express Blue Cash Preferred® Card— refers to the card fees on plans formed during the first 12 months following account creation. In addition, Plans formed after 12 months will incur a plan charge of around 1.33 percent on each transaction.
Redeeming Rewards – You may exchange reward dollars for statement credits beginning at $25. Alternatively, you may redeem for items and gift cards via Amex’s rewards platform.
Pros
- Outstanding cash-back rewards on certain U.S. streaming services and U.S.
- supermarkets; welcome bonus for new cards.
- 0% introductory APR on each and every transaction
Cons
1. 2.7% charge for international transactions.
2. The annual cost is $95, however a number of credit cards in this category do not impose an annual fee.
3. Mastercard and Visa are more prevalent than American Express.
4. There is a maximum cashback payout on food, and some grocery stores do not provide this.
1. Whole Foods’ best credit card is Amazon Prime Rewards Visa Signature.
Amazon controls more than than goods at Whole Foods. Additionally, Amazon.com offers a credit card called the Amazon.com Visa Signature Card that offers generous benefits to users who buy on the website.
Amazon Prime customers who typically purchase at Amazon Prime Pantry, Whole Foods Market, or Amazon Fresh should get the Amazon Prime Rewards Visa Signature Card.
On all Amazon-ecosystem purchases, including non-perishable and perishable food, you may get 5% cashback.
Blog
Read: Is There Any Problem With ICICI Net Banking Today?
Standard offer: 3 points for every dollar spent at Whole Foods and Amazon.com, equivalent to 3% cash back. Prime members earn five points per dollar for five percent cash back.
Similarly, Amazon Prime members get a $150 Amazon.com gift card upon acceptance for a credit card account, while everyone else receives a $75 gift card.
In addition, all cardholders get two points every dollar spent in restaurants, pharmacies, and petrol stations, and one point per dollar spent on everything else. This card may be used everywhere Visa is accepted, plus there is no annual fee, how fantastic!
Rewards Details:
Intro APR – The intro APR is 0 percent.
Annual Cost – The annual fee for the card itself is likewise $0. To earn 5% cashback on the Whole Foods Purchase website and Amazon.com, cardholders must be Amazon Prime members. The annual membership fee for Prime is $119. In addition, there is no international transaction cost.
Redeeming Rewards – You may redeem earned cashback in the desired amount for deposit statement credits to connected bank accounts. Additionally, you may link it to Amazon purchase credits at checkout.
You may benefit from travel insurance features that include baggage delay insurance, travel accident insurance, and compensation for misplaced luggage.
Additional Details:
- You may get limitless 5% cashback on qualified Amazon.com and Whole Foods Market purchases.
- Earn 2% cashback on all purchases made at pharmacies, petrol stations, and restaurants. Additionally, you may earn 1% cashback on all other qualified purchases.
- After acceptance, get a $100 Amazon gift card as a sign-up incentive. Remember that exclusions may apply, and carefully review the terms and conditions for further information.
Pros
No yearly charge
There are various awards redemption options
0% international transaction costs
Offer of a bonus for new cardholders
High rate of return
Cons
Required to be a client or member No introductory 0% APR
2. Citi Custom CashSM Card – Best Credit Card for Personalized Rewards
Why is the Citi Custom CashSM Card among the finest grocery credit cards? It gives 5% cashback on your top spending category each billing cycle (up to $500 spent; 1% beyond);
Additionally, you get 1% cashback on all other purchases. The card comes with no annual charge, but new members get a $200 bonus after spending $750 in the first three months. What more do you require?
Rewards Details:
Intro APR – The introductory APR on balance transfers and purchases is 0% for the first 15 months. The variable APR will then become
between 13.99% and 23.99% based on creditworthiness. Keep in mind that Balance Transfers must be completed within four months of account creation.
Annual Fee – You have no annual costs.
The Debt Transfer Fee is either 5% or $5 of each balance transfer on a credit card. (whatever sum is higher) *
In the first three months following account creation, you may get $200 cashback after spending $750 on other items. Such a promotion consists of 20,000 ThankYou® Points redeemable for $200 cashback.
You may receive 5% cashback on every purchase made in your top-ranked spending category, up to $500 every billing cycle. After that, you’ll earn 1% cashback. Additionally, you may get 15 cashback on all other transactions.
There are no bonus categories that rotate upon registration. Your expenditures vary from cycle to cycle, and your earnings are proportional to how much you spend in the top qualified areas.
You may redeem your points for cashback in the form of a cheque, direct transfer, or a bill credit.
Other Benefits – There are other methods to redeem points at Amazon.com, including shopping, travel, and gift cards.
Additional Details
Citi is the only issuer of Citi Custom CashSM Card accounts/cardmembers.
Pros
- No yearly charge
- Intro APR Bonus Categories of 5%
Cons
- Requires high to exceptional credit score
- rates are low outside bonus categories.
3. Citi Custom CashSM Card with Customized Rewards
The Citi Custom Cash℠ Card is a credit card that allows you to earn cash back on your purchases, with the ability to customize your rewards to fit your spending habits. You can choose to earn a higher cash back rate in certain categories, such as gas or groceries, or you can opt for a flat cash back rate on all purchases. The card also offers a 0% intro APR on purchases and balance transfers for the first 18 months, after which a variable APR applies. Other benefits of the Citi Custom Cash℠ Card include 24/7 concierge service, extended warranty protection, and access to Citi Entertainment, which offers special access to tickets for concerts, sporting events, and more. It is important to note that the Citi Custom Cash℠ Card does have an annual fee of $0 – $99, depending on your creditworthiness.
Introductory APR – Balance transfers and purchases get 0% introductory APR for 15 months. After that, your variable APR will be between 13.99% and 23.99%. Balance Transfers must be completed four months after account establishment.
Annual Fee – You enjoy 0 yearly fees.
Balance transfers cost 5% or $5. (whatever is higher)*
You may get $200 cashback in the first three months after creating an account by spending $750. 20,000 ThankYou® Points may be redeemed for $200 cashback.
You may receive 5% cashback on top-ranked purchases per billing cycle, up to $500. Then, 1% cashback. On all other purchases, you receive 15 limitless cashback.
Signup bonuses don’t rotate. Your spending and earnings alter every billing cycle as you spend in the top categories.
You may redeem points for a cheque, direct deposit, or bill credit.
Other Perks – Shop, vacation, and buy Amazon.com gift cards using points.
Pros
- Annual fee-free
- Intro APR Bonus 5%
Cons
- Excellent credit required
- Non-bonus rates are low.
4. Best for bonus earnings: Chase Freedom Unlimited®
The Chase Freedom Unlimited® credit card is a good choice for those who want to earn bonus rewards on their purchases. With this card, you can earn a welcome bonus of $200 after spending $500 on purchases in your first 3 months from account opening. You’ll also earn an unlimited 1.5% cash back on all purchases, with no annual fee.
One of the unique features of the Chase Freedom Unlimited® is that you can choose to redeem your cash back as a statement credit, direct deposit into a eligible checking or savings account, or as a check. Additionally, you can also choose to transfer your cash back to a participating Chase Ultimate Rewards® account, where you can redeem them for travel, gift cards, and other rewards.
The Chase Freedom Unlimited® also offers a 0% intro APR on purchases and balance transfers for the first 15 months (then a variable APR of 14.99% – 23.74% applies). It also includes perks such as purchase protection, extended warranty protection, and access to exclusive events and experiences through the Chase Experiences program.
Low Intro APR– Balance transfers and purchases get a 0% introductory APR for 15 months from the date of account creation. After the introductory period, a variable APR between 14.99% and 23.74% will apply.
No Annual Fee –There is no yearly cost for all of the finest benefits your Freedom Unlimited Card offers. In addition, the Foreign transaction fee is 3% of the transaction total.
Cashback Rewards Don’t Expire – As long as your account is active, cashback benefits will remain active. Also, there is no minimum cashback redemption amount.
Redeeming Rewards –You may redeem for gift cards, bank account deposits, purchases, and statement credits with Amazon and other third-party shops. And are able to make purchases using the Chase Travel Portal.
Other Perks: The Chase Freedom Unlimited credit card provides travel interruption and cancellation protection. With this card, you may be reimbursed up to $1,500 per person and $6,000 per trip for non-refundable, pre-paid passenger tickets. For instance, if you were unable to attend the trip due to inclement weather, illness, or any other covered circumstance.
You can earn the following cashback:
- 5% back on trips booked via Chase Ultimate Rewards; 3% back on pharmacy purchases; 3% back on eating at restaurants that provide qualified delivery and takeout services.
- 1.5% cashback is available on all other purchases.
Pros
- Spend $500 on purchases during the first three months after account creation and get a $200 bonus.
- No minimum cash-out amount
- Minimum earning rate of 1.5% for cashback incentives.
Cons
- Receive a 5% or $10 cash advance charge, whichever is larger.
- The continuing balance transfer charge is the greater of $5 or 5% of all balance transfers.
- The 3% international transaction charge seems a little excessive.
5. Capital One SavorOne Cash Rewards Credit Card – Foodie Card!
The Capital One SavorOne Cash Rewards credit card offers 3% cash back on all grocery store purchases with no annual fee. It is a wonderful option for those who like dining out or cooking in their own kitchen.
Rewards Details :
Introductory APR –For the first 15 months, balance transfers and purchases are 0%. Variable APR is 14.99% to 24.99%.
Annual Fee – There are no annual or international transaction fees.
Welcome/Early Spend Bonus – You may get a $200 incentive in the form of cash after spending $500 on purchases within three months of account creation.
Earning Rewards – You may receive limitless 3% cash back on all qualified grocery store purchases, except those made at Target, Walmart, and other superstores. Also included are purchases of entertainment, restaurants, and eligible streaming services. Additionally, you may receive limitless 1% cash back on any other qualified purchases.
Redeeming Rewards – You may redeem for any quantity of bank account deposits or credit on your statement.
Other Perks –24/7 travel support saves money. Capital One Shopping and Paribus provide discounts and extended warranties on certain goods. SavorOne cards are Mastercard and Visa. Also, product features differ.
6. Best for Grocery, Dining, and Travel Rewards
The American Express® Gold Card provides high earning rates on food shopping if you often travel. This card’s profits rate is industry-high. Easy-to-redeem and flexible membership benefits.
100,000 extra points valued up to $0.01/point at redemption is a 4% return on expenditure.
Rewards Details :
Introductory APR – No introductory APR. See the fees & rates page for American Express® Gold card costs.
Annual fee – There is a yearly charge of $250.
Earning Rewards –Earn 4 points on restaurant transactions, including delivery and takeaway. The card earns 4X Membership Rewards points (including delivery and takeout) at U.S. supermarkets and restaurants on every dollar spent up to $25,000 annually.
- Uber Eats purchases receive four points per dollar.
- Earn 3 points for every dollar spent on flight purchases, both at amextravel.com and through the airline, and 1 point for every other qualified transaction.
Welcome Bonus Offer: Spend $4,000 on your American Express Gold card in the first six months to receive 60,000 Membership Rewards points.
Redeeming Rewards: This American Express supermarket rewards card may be used for statement credits, Uber trips, gift cards, travel reservations, and general items.
- Minimum point redemption is 1,000. Most points are worth $0.005 to $0.01 each.
Other Perks: This card offers $10/month in eating credits, up to $120/year. After linking your American Gold Card to this app, you may earn $10/month in Uber Cash, or $120/year. Enrollment is required for card benefits.
Pros
- Transfer partners
- Bonus categories
- Enjoy flexible redemption terms
Cons
- Requires high to exceptional credit score
- Complex rewards
7. Target RedCardTM Credit Card is the best grocery store card for fair credit.
“One-Stop Shoppers” should earn a Target RedCard. This card gives a 5% discount on groceries and most in-store purchases. Deal includes delivery, pickups, and online purchases.
This card gives Target loyalists discounts.
Rewards Details:
Introductory APR – It is 0%, while the variable Regular APR is 22.90%.
Annual Fee – It’s $0. You may make purchases exceeding $40 with your new card.
Bonus Offer – When approved for a debit or credit RedCard, you get a $40 discount on future eligible transactions over $40.
Read: Amazon Visa Card Partnership Could Be A Win For Synchrony
Foreign Transaction Fee – There is no cost for overseas transactions.
Other Perks – Receive free delivery within two days on hundreds of thousands of goods. Be cognizant of the market exclusions. In addition, cardholders who sign up for Target Marketing Emails will get a 10% discount on their anniversary.
Additional Info:
- Will get special bonuses, including unique discounts and goods.
- Target.com and Target provide an extended return window of 30 additional days.
- Daily savings of 5% are available at Target.com and Target.
- You may save up to 5% with your Target Redcard at locations such as Clearance, Target Subscription, any in-store Starbucks, Specialty gift cards, Drive Up service, Shipt, and Top deals.
- Check your credit card account balance, review previous statements, and make a payment while logging into your Target Credit Card account.
Pros
- Rewards for client loyalty
- No yearly charge
- Offer of a bonus for new cardholders
Cons
- Must be a client or member High APR Limited redemptions
- You need a decent or outstanding credit score (i.e., between 700 and 790).
8. Bank of America® Customized Cash Rewards – Less Common Bonus Categories
Unquestionably, the Bank of America® Customized Cash Rewards is one of the greatest options for applicants who divide their food expenditures between a warehouse club and a supermarket, such as Costco, Sam’s, or B.J.’s.
Rewards Details:
Introductory APR Offer – First 15 payment cycles have 0% APR. Also applies to balance transfers made within 60 days of account establishment. When the intro APR ends, a 13.99% to 23.99% variable APR applies. Balance transfers cost 3% (minimum $10).
Annual Fee –There is no yearly cost.
Welcome Bonus Offer –You will get a $200 online rewards incentive after spending at least $1,000 on purchases within 90 days of account setup.
Redeeming Rewards –You will get a 3% cashback on all qualifying categories. Additionally, get 2% cashback at wholesale clubs and grocery shops, with a maximum combined payback of $2,500 on quarterly wholesale club and grocery store purchases. Next, receive 1% cash back on all other purchases.
Other Perks –With Bank of America’s preferred rewards programme, you may enhance your earning rates by 75% by maintaining a large sum of cash in all qualifying accounts.
Drawback –Without the Bank of America’s favoured rewards programme, other cards may provide you with a greater return on your purchases.
Pros
- Intro APR period
- No yearly charge
- Offer of a bonus for new cardholders
- Outstanding connection benefits for members
- Variable bonus categories
Cons
- Requires high to exceptional credit score (690-850)
- Complex rewards
- Expenditure limitations on bonus prizes
- Superior benefits confined to certain consumers
9. Citi Premier® Card – Most Lucrative Bonus Categories
At supermarkets, petrol stations, and restaurants, the Citi Premier® Card earns bonus points. International travellers should have this card. 2023’s finest gas and grocery credit card.
Rewards Details:
Introductory APR –The introductory APR is 0%, while the regular variable APR ranges from 15.99% to 23.99%.
Annual fee – $95
Welcome/Sign up Bonus –You will get 80,000 points after spending $4,000 on purchases during the first three months of account setup.
Redeeming Rewards –Earn three points for every dollar spent on airfare, petrol, groceries, motels, and restaurants. Additionally, receive one point for every dollar spent on qualifying purchases.
Other Perks –Citi Premier allows users to earn Citi ThankYou Points, which may be used for a variety of rewards or transferred to airline partners. Like many other programmes, you may combine the ThankYou Points earned points.
Pros
- Rewards don’t expire
- Bonus categories
Cons
- You need a good/excellent credit score (690-850).
- Has a yearly charge
10. American Express Blue Cash Everyday® Card – No Annual Fee; Best Cashback Gas and grocery rewards
Suppose you can’t stomach a yearly charge. A big chunk of your cash goes to stocking your fridge, closets, and petrol tanks. Then you should get the American Express Blue Cash Everyday® Card.
Rewards Details:
Intro APR & Plan It Fees – 0% introductory APR on purchases made within 15 months of account creation. The variable APR is between 13.99% and 23.99%.
Annual fee: $0
Welcome Bonus Offer – In the first six months of your card’s membership, you may get a $200 statement credit after spending $2,000 on purchases.
Redeeming Rewards – You may earn 3% cashback on purchases up to $6,000 per year at U.S. supermarkets. Then, 1% cashback on all other transactions and 2% cashback at petrol stations and certain department shops in the United States.
- You may get cashback in the form of Rewards Dollars, which can be instantly redeemed for account credits.
Other Perks – Blue Cash EveryDay’s brother, the Blue Cash Preferred® Card from American Express, can earn you extra cashback despite the annual fee if you spend more than $61 each week on groceries and other grocery products.
Pros
- No yearly charge
- Offer of introductory APR on all qualified purchases
- Supermarkets, certain department shops, and petrol stations in the United States provide above-average pay.
Cons
- Minimum rewards redemption value is $25
- The additional earnings are limited to a maximum yearly expenditure of $6,000 in U.S. supermarkets.
- Outside of bonus categories, the rewards you receive are 1% cashback.
