Best Groceries and Gas Credit Cards of December 2024

• Decent rewards program – Get 3% cash back on dining, entertainment, popular streaming services and at grocery stores.
• Attractive welcome offers – New cardholders will get a $200 bonus by spending $500 in the first 3 months, plus a 15-month 0% APR period on purchases and balance transfers.
• No annual fee – You can enjoy the many benefits of this card at no annual cost.

• Excellent credit recommended – To have a good chance of getting this card, you’ll need an excellent credit score. Those with a good credit score will have a better shot at the Capital One Savor Cash Rewards for Good Credit.

• $200 cash bonus (once you spend $500 on purchases within the first 3 months from account opening);
• 1% Cash Back on all other purchases;
• No Foreign Transaction Fees;
• Complimentary Concierge Service;
• Extended Warranty;
• Travel Accident Insurance;
• 24-hour Travel Assistance Services.

• No minimum redemption is required
• No annual fee
• No foreign transaction fees
• Intro APR period on Purchases
• Generous sign-up bonus

• No bonus rewards categories
• Other cards offer longer intro APR periods and/or lower APR
• You need a good credit score to get this card

• $200 Cash Bonus (once you spend $500 on purchases within 3 months from account opening);
• 5% Cash Back on hotels and rental cars booked through Capital One Travel;
• Unlimited 1.5% Cash Back on every purchase;
• $0 Fraud Liability;
• Complimentary Concierge Service;
• Travel Accident Insurance;
• 24-hour Travel Assistance Services;
• Capital One Shopping;
• Shop With Your Rewards.

• Unlimited high rewards rate
• Average credit score required
• Automatically considered for a higher credit line after 6 months
• No foreign transaction fees

• Annual fee
• High APR
• No bonus rewards categories

• 1.5% Cash Back;
• No Foreign Transaction Fees;
• Autopay;
• $0 Fraud Liability;
• Card Lock;
• ATM Location Services.

• No Annual Fee

• No Intro APR period
• High APR
• No welcome bonus

• 5% Cash Back on hotel and rental car purchases through Capital One Travel;
• 1.5% Cash Back on every purchase;
• $0 Fraud Liability;
• Emergency Card Replacement;
• Capital One® Travel.

• No Annual Fee
• No Foreign Transaction Fee

• High APR
• No 0% intro APR offer

• $50 bonus (once you spend $100 on purchases within 3 months from account opening);
• 1.5% Cash Back on every purchase;
• Fraud Liability;
• Extended Warranty;
• Travel Accident Insurance;
• Capital One Shopping;
• Complimentary Concierge Service;
• 24-hour Travel Assistance Services.

• No Annual fee

• No Intro APR reriod

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
• 1.5% unlimited cash back on every purchase;
• No annual fee;
• See if you qualify in seconds with no impact to your credit score;
• Combine the flexibility of a card with the predictability of a personal loan;
• Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more;
• Up to 10% cash back from your favorite brands with Upgrade Shopping;
• Contactless payments with Apple Pay® and Google Wallet™;
• Mobile app to access your account anytime, anywhere;
• Use your card anywhere Visa is accepted;
• Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy.

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

• No Annual Fee
• No Foreign Transaction Fee

• High APR
• No 0% intro APR offer

• $50 Cash bonus (once you spend $100 on purchases within 3 months from account opening);
• 8% Cash Back on Capital One entertainment purchases;
• 5% Cash Back on hotels and rental cars booked through Capital One Travel;
• 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®);
• 1% Cash Back on all other purchases;
• Fraud Liability;
• Extended Warranty;
• Travel Accident Insurance;
• Complimentary Concierge Service;
• 24-hour Travel Assistance Services.

• Every Purchase Earns You Cash Back
• Increased Cash Back for Three Categories
• No Limits Abroad

• You Can’t Withdraw Cash
• Cash Back Doesn’t Satisfy Your Monthly Payments

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
• 3% unlimited cash back on every purchase in Home, Health, and Auto categories;
• No annual fee;
• Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more;
• Up to 10% cash back from your favorite brands with Upgrade Shopping;
• No touch payments with contactless technology built in;
• See if you qualify in seconds with no impact to your credit score;
• Great for large purchases with predictable payments you can budget for;
• Mobile app to access your account anytime, anywhere;
• Use your card anywhere Visa is accepted;
• Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy.

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

• Extremely low regular APR
• No penalty rate
• Guaranteed approval
• Increase your credit limit

• No rewards system
• A lot of fees
• Can’t upgrade to an unsecured credit card
• No grace period

• Reports to All Three National Credit Bureaus;
• Zero Fraud Liability;
• Refundable Security Deposit;
• Global acceptance;
• Emergency card replacement and cash disbursement.

• Low APR for Purchases
• No Minimum Credit Score Required
• Reports to Three Major Credit Bureaus
• Suitable Range of Credit Limit

• High Annual Fee
• High Transaction Fees on Cash Advance
• High Penalty Fees
• Foreign Transaction Fees

• 1% Cash Back rewards on payments;
• Accepted Nationwide;
• No Minimum Credit Score;
• No Credit History Required.

• No credit history required
• No Minimum Credit Score needed
• Low Annual Percentage Rates

• Annual Fee
• Foreign Transaction Fee

• 1% Cash Back on payments made to your First Progress Secured credit card account;
• Accepted Nationwide;
• No Minimum Credit Score;
• No Credit History Required.

• No monthly fees
• Prior bankruptcies are acceptable
• Liability protection
• No security deposit required

• No reward
• High-interest rates
• No mobile app
• Credit limit

• Mastercard® benefits;
• Fraud protection;
• Reports to all three major credit bureaus.

• No foreign transaction fees

• Annual Fee

• $2,000 cash bonus when you spend $30,000 in the first 3 months;
• $2,000 bonus (additional) for every $500,000 spent in the first year;
• $150 cash bonus every year you spend $150,000 or more;
• 5% Cash Back on hotels and rental cars booked through Capital One Travel;
• 2% Cash Back on every purchase;
• Roadside Assistance;
• Free Employee Cards;
• Extended Warranty;
• $0 Fraud Liability.

• No Annual Fee
• No Foreign Transaction Fee

• No Intro APR period

• $500 cash bonus (once you spend $4,500 on purchases within the first 3 months from account opening);
• 5% Cash Back on hotels and rental cars booked through Capital One Travel;
• 1.5% Cash Back for your business on every purchase;
• $0 Fraud Liability;
• Free Employee Cards;
• Roadside Assistance.

• No fees
• Rewards

• No sign-up bonus

• Unlimited creation of virtual cards;
• Scalable credit line;
• Employee cards for everyone;
• Enforceable budgets;
• Expense reports.

• Excellent rewards rate at U.S. supermarkets – Earn 6% cash back on all purchases at U.S. supermarkets for up to $6,000 spent annually (1% afterward).
• Great welcome bonus – Cardholders who spend $3,000 in the first 6 months will get a whopping $350 bonus as a statement credit.
• 0% intro APR on purchases and balance transfers – Take advantage of the 12-month 0% APR on purchases and balance transfers to finance a big purchase without interest.

• $95 annual fee – The annual fee is still a small price to pay for such great benefits.
• Cap on groceries rewards rate – The 6% cash back rate is only applied on $6,000 spent annually.

• Earn $300 Back (in the form of a statement credit);
• 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
• 6% Cash Back on streaming subscriptions;
• 3% Cash Back on transit;
• 3% Cash Back at U.S. Gas Stations;
• 1% Cash Back on other purchases;
• Extended warranty;
• Fraud Protection;
• Return Protection;
• Car Rental Loss and Damage Insurance;
• Global Assist® Hotline;
• Pay It Plan It®;
• American Express Experiences;
• Terms Apply.

• Great rewards on everyday purchases and flights – Earn 4x points on U.S. supermarket purchases and restaurants worldwide, as well as 3x points on flights.
• Dining and Uber credits – These credits ($240 in total) are also almost enough to justify the annual fee cost.
• Generous welcome bonus – New cardholders will get up to 75,000 Membership Rewards points potentially worth up to $900 (depending on how you redeem).

• High annual fee – The $250 annual fee might be too much for some people, so make sure you’ll take enough advantage of the card to justify it.

• Up to $120 Uber Cash to Dine or Ride;
• $100 hotel credit with The Hotel Collection;
• 100,000 Membership Rewards® Points;
• 4x Membership Rewards® Points on dining at restaurants;
• 4x Membership Rewards® Points on groceries at U.S. supermarkets;
• 3x Membership Rewards® Points on flights booked directly with airlines or on amextravel.com;
• 1x Membership Rewards® Points on all other purchases;
• Additional Cards;
• American Express Experiences;
• Car Rental Loss and Damage Insurance;
• Baggage Insurance Plan;
• Global Assist^® Hotline;
• The Hotel Collection;
• Terms Apply.

• Attractive rewards at Amazon & Whole Foods – Earn 5% cash back at Amazon and Whole Foods Market.
• No annual fee – This card comes with no annual cost.

• $139 Amazon Prime membership – A requirement for this card is an Amazon Prime membership.
• Low one-time offer – The $100 Amazon Gift Card you get as a welcome bonus is relatively low compared to bonus offers from other grocery credit cards.

• 5% back on Amazon.com and Whole Foods purchases;
• 2% back on restaurant, gas station and drug store purchases;
• 1% back on other purchases;
• $100 Amazon.com gift card;
• Extended warranty protection;
• Travel and emergency assistance;
• Auto Rental Collision Damage Waiver;
• Lost luggage reimbursement;
• Baggage delay insurance;
• Roadside dispatch.

• Generous rewards on grocery store purchases – 3% cash back at U.S. supermarkets and U.S. Online Retail Purchases.
• No annual fee – The benefits that this card offers is as good as it gets for a no-annual-fee groceries card.
• 0% intro APR on purchases and balance transfers – Use this card to finance your next big purchase interest-free.

• Capped rewards – The higher 3% rewards rate is capped at $6,000 spent annually for each category.
• 2.7% foreign transaction fee – This card wouldn’t be suitable for trips abroad or international online purchases.

• 3% Сash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%);
• 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%);
• 2% Cash Back at U.S. gas stations on up to $6,000 per year in purchases (then 1%);
• 1% Cash Back on all other purchases;
• $250 back after spending $2,000 within the first 6 months (in the form of a statement credit);
• Car Rental Loss and Damage Insurance;
• 24/7 Global Assist® Hotline;
• American Express Experiences;
• Fraud Protection;
• Pay It Plan It;
• Additional Cards;
• Terms Apply.

• Customizable rewards program – Earn 5% cash back in your highest eligible spending category on up to $500 spent each billing cycle.
• No annual fee – This card has no annual fee.
• Two great welcome offers – Earn $200 after spending $1500 in the first 6 months and an interest-free period of 15 months on both balance transfers and purchases.

• One higher rewards category – You’ll earn the 5% cash back rate on one spending category, while everything else will get only 1% cash back.
• High balance transfer fee – The 5% balance transfer fee is a bit higher than the more common 3% fee.

• $200 Cash Back;
• 5% Cash Back on purchases in your top eligible spend category (1% Cash Back thereafter);
• 1% Cash Back on all other purchases;
• $0 Liability;
• Digital Wallets;
• Citi Entertainment®.

• 5% discount at Target – With these cards you’ll get 5% off of any purchase at Target (physical stores & online).
• Cool extra perks – Benefits like free delivery, extra 30 days for returns and exchanges, and many more, will make your Target shopping experience more convenient and enjoyable.
• No annual fee – There’s no annual cost required to use these cards.

• High APR – As is the case with most store cards, these two also have a high APR of 28.15%.

• 5% REDcard™ discount program rules;
• REDcard™ extended returns program rules;
• $50 off for new RedCard holders;
• 0% discount coupon each year on your card anniversary.

• Great flat rate plus bonus categories – The 1.5% cash back rate on all purchases is higher than the usual 1% offered by other cards on our list. Additionally, you’ll earn 5% on travel purchased through Chase and 3% on dining.
• Solid welcome offer – Get $200 after spending $500 in the first 3 months, and 0% APR on purchases and balance transfers during the first 15 months.
• No annual fee – This card offers some pretty decent features for a no-annual-fee card.

• Other fees – This card has a 3% foreign transaction fee, a regular 5% (or minimum $5) balance transfer fee, and a 5% (or minimum $10) cash advance fee.

• Zero Liability Protection;
• $200 intro bonus;
• 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
• 3 percent back on dining;
• 3 percent back at drugstores;
• 1.5 percent Cash Back on general purchases;
• Auto Rental Collision Damage Waiver;
• Trip Cancellation/Interruption Insurance;
• Travel and Emergency Assistance Services;
• 24/7 Fraud Protection;
• Redeem for Cash Back;
• Gift cards.

• Outstanding flat-rate cash back on all purchases – Earn an unlimited 2% cash back every time you use your card, you’ll get 1% when you make a purchase and 1% when you pay for it.
• Welcome offer – 18-month 0% APR period on balance transfers.
• No annual fee – Enjoy your rewards without having to pay for an annual fee.

• Pay off balance to get the full cash back – If you fail to pay at least the minimum monthly due on your card, you’ll lose 1% cash back that you get once you pay back.

• Citi Entertainment;
• $200 Cash Back;
• 2% Cash Back on every purchase;
• Fraud Protection;
• The Lost Wallet Service;
• $0 Liability for Unauthorized Charges.