10 Best Rewards Credit Cards

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1. ObservedJul 1, 2026Conversation1 turnsPlacementAfter turn 01 turns · After turn 0Replay chat
   Observed conversationJul 1, 2026 · interface recreation

   ChatGPTArchived view

   I spend a lot on groceries and gas. Are there credit cards that actually pay back meaningfully on those categories?

   Yes. If groceries and gas are a large part of your monthly spending, choosing a card that emphasizes those categories can easily return a few hundred dollars a year—sometimes much more.

   Here are some of the strongest options, depending on your spending.

   Card	Grocery rewards	Gas rewards	Best for
   Blue Cash Preferred® Card from American Express	6% (up to annual cap)	3%	Families with high grocery spending
   Blue Cash Everyday® Card from American Express	3%	3%	No annual fee
   Citi Custom Cash® Card	5% (if groceries are your top category that billing cycle)	5% (if gas is your top category instead)	Flexible spending
   AAA Daily Advantage Visa Signature® Credit Card	High grocery rewards	Moderate gas rewards	Heavy grocery shoppers
   AAA Travel Advantage Visa Signature® Credit Card	Good grocery rewards	High gas rewards	Drivers
   Costco Anywhere Visa® Card by Citi	Standard warehouse purchases	Excellent gas rewards	Costco Wholesale Corporation members

   A few examples:

   • If you spend about $800/month on groceries, a 6% grocery card (subject to its reward cap) could earn roughly $500+ per year before accounting for any annual fee.
   • If you spend $300/month on gas, a 5% gas card earns about $180/year, versus only about $36 with a basic 1% card.

   Some things to watch for:

   • Many cards cap the amount of spending that earns the highest reward rate.
   • Warehouse clubs (like Costco or Sam's Club) often don't count as "grocery stores" for grocery bonus categories.
   • Some gas rewards exclude purchases made inside convenience stores.
   • If you carry a balance and pay interest, the interest charges can outweigh the rewards. These cards are generally most valuable if you pay the statement balance in full each month.

   If you're willing to carry two cards, a common strategy is:

   1. One card with excellent grocery rewards.
   2. A separate card with top-tier gas rewards.

   That often beats trying to find one card that's best at everything.

   If you tell me:

   • approximately how much you spend per month on groceries,
   • how much on gas,
   • whether you shop at places like Costco, Walmart, Aldi, or traditional supermarkets,
   • and whether you're okay with an annual fee,

   I can estimate which card (or two-card combination) would likely earn you the most cash back each year.

   

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