Best Credit Cards For
Gas, Grocery & Dining Purchases
A list of the 50 best credit cards for gas, grocery, and dining purchases based on your spend. Compare results against 250+ top cards side by side.
You won't typically find cards that feature gas, grocery, and dining, but there's still several cards that can provide you a solid return if you're looking to have one card that rules them all. If you don't mind picking up more than one card, there's various combinations that can help you build up your rewards at a great rate.
One of the top cards for gas and supermarket purchases is the AMEX Everyday Preferred Card. It earns up to 4.5x Membership Rewards Points on supermarket purchases, up to 3x on gas station purchases, and up to 1.5x on everything else. You could run the dining through this card as non-category spend or pair it with the AMEX Green to earn 3x on your dining as well as 3x on travel and transit purchases as well.
Another great option in the Membership Rewards department is the AMEX Gold Card which earns 4x on both dining and grocery purchases. You can pair it with the Blue Business Plus if you're looking to earn 2x on gas and all other purchases.
American Express has the grocery and restaurant categories on lock when it comes to great returns which makes other rewards cards seem not as good. If you shop at Costco or Sam's Club, the Costco Anywhere Visa Card and Sam's Club Mastercard both earn great returns on gas and restaurant purchases. The only drawback is that you only receive your earned rewards once per year.
Listed below are the best credit cards for the given category sorted by return. Some credit cards have a wide range of value due to having multiple redemption options that yield such. For example, you may be able to redeem a program's points for cash back at value of 0.5 cents each but redeeming the same points for travel could offer a value of 1.25 cents each. You don't want to pick up a card that has an annual fee that doesn't match up with how you plan on redeeming your rewards. That will give you a negative return and no one wants that. So be sure to research the value of points and miles to get an idea of how value they will have for you. Don't go by the return values listed below alone.
You can click on a card's Rewards Calculator button (where applicable) to calculate how much you can earn across all categories on the card based on your spend, how much you value the benefits of the card, and any annual fees including authorized user fees (if applicable). You'll also be able to compare the results side by side any other card featured on the site based on the same spend. And spend you enter into a credit card rewards calculator will carry over to other credit card calculators on the site.
You can click on the name of the rewards the card earns to learn more about earning, redeeming, and transferring rewards within that rewards program as well as other useful information such as elite status, buying/gifting rewards, and much more. These also pages features additional calculators that can lend a hand in determining if a program could be a good fit based on your spending habits.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.