Best Credit Cards For Gas, Grocery & Dining

A list of the best credit cards for gas, grocery, and dining purchases based on your spend pulled from our card database. Compare results side by side.

The top card for earning a superb return across gas, grocery, and dining will be the American Express Cobalt Card which earns 5 Membership Rewards Points per $1 on both dining and grocery spend along with 2 Membership Rewards Points per $1 on gas station spend. With AMEX Points being worth up to 2 cents each, this is the best it gets in terms of returns. To make matters even better, you can also transfer your earned points to AMEX's hotel and airline partners and possibily get even more value out of your points.

If you want a card that has no foreign conversion fee that is great for international travel and spending, turn your eyes towards the Scotiabank Gold American Express Card. This card earns 5 Scotia Rewards Points per $1 on supermarket and dining purchases and 3 Scotia Rewards Points per $1 on gas station purchases. Scotia Rewards Points are worth 1 cent each when redeemed for travel which makes this a solid 3% to 5% return across your spending.

If you have a Tangerine Savings Account, you can earn 2% cash back across all three categories with the Tangerine Money-Back Credit Card or the Tangerine World Mastercard. This is an easy way to earn cash back at a simple flat rate.

The MBNA Rewards Platinum Plus Mastercard provides a 2% return without the need of a savings account like the Tangerine Cards. The card earns 2 MBNA Rewards Points per $1 across all three categories and you can redeemed MBNA Points for 1 cents each towards travel.

Best Cards By Spend Calculator

The Best Credit Cards By Spend Calculator will find up to 50 of the best credit cards based on the spend and selected filter options. Results will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees. For any of the results listed, you can click on 'Rewards Calculator' to calculate more accurate results. You'll be able to enter spend for as many categories as you want, toggle annual fees, add authorized users, specific elite status and memberships, incorporate sign up and welcome bonus, view rewards as if you transferred them to partners, and much more.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year, you can leave it set to a duration of 'year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions).
When transferring to other programs, you should be able to get 1 to 2 cents in value for most of the programs listed below, so I defaulted most to a low average of 1.5 cents. You can click on the to learn more about the value of the currency (opens in a new tab/window).

Include Annual Credits/Bonuses

Several credit cards feature annual bonuses. These are usually anniversary bonuses for having the card, airline credits, hotel credits, and more. If you want these included in the calculation, you can check thy box below.


The bank that issues the card. De-select the banks that you do not want in the results.


The network that the card is tied to such as VISA, Mastercard, Discover, or AMEX.

Card Type

The type of card such as a co-branded airline card, bank rewards card, or cash back card. Do note that some store cards will appear under cash back if you're able to redeem cash back like a normal cash back credit card.

Reward Type

The type of rewards the card earns. This will either be points, miles, or cash back.


Toggle the showing of personal or business cards in the results. Card combinations are also featured on this site. The combo option is only available if it's more than one category you're enter spend for.

Annual Fee

The range of fees you're willing to pay to wield such awesome credit cards. Selecting the First Year Free (FYF) / First Year Reduced (FYR) option will calculate FYF/FYR credit cards with their free or reduced annual fee.

Income Requirements

Some credit cards require a certain amount of annual individual or household income. Enter a max income or enter 0 to show all cards.

Foreign Transaction Fees

Toggle whether to include credit cards that have a foreign transaction fee, foreign conversion fee, or any other type of charge that has to do with making purchases outside of the region.


Do note that results may take a few seconds to generate after doing a search.
You can click on the 'Rewards Calculator' for any of the cards listed in the results to calculate even more accurate results. You can also click Apply to apply for the card.
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