Groceries and fuel are two of the biggest recurring expenses for most households. If you’re not earning cashback on those purchases, you’re leaving money on the table. In 2025, several credit cards are offering generous cashback rewards on these everyday categories—helping you maximize your savings every time you swipe.
In this guide, we’ll explore the top cashback credit cards for groceries and gas in 2025, comparing features, reward rates, and fees so you can pick the one that fits your spending habits.
🛒⛽ Why Focus on Groceries & Gas?
These two categories make up a large portion of monthly budgets, especially for families and commuters. A good cashback card can save you hundreds of dollars a year if used strategically.
Benefits include:
- Cashback up to 6% on grocery purchases
- Bonus rewards on gas stations nationwide
- No annual fee options for budget-conscious users
- Additional perks like intro APR and travel insurance
🏆 Top Cashback Credit Cards for Groceries and Gas (2025)
1. Blue Cash Preferred® Card from American Express
- Cashback:
- 6% at U.S. supermarkets (on up to $6,000 per year, then 1%)
- 3% at U.S. gas stations
- Annual Fee: $95
- Welcome Offer: $250 after $3,000 spend in 6 months
- Other Perks: 6% on select streaming, 0% intro APR for 12 months
Best For: High grocery spenders looking for premium rewards
2. Citi Custom Cash℠ Card
- Cashback: 5% on your top eligible spend category each billing cycle (up to $500/month), including supermarkets or gas
- Annual Fee: $0
- Welcome Offer: $200 after spending $1,500 in 6 months
- Other Perks: Automatically adapts based on your spending pattern
Best For: Flexible spenders who focus on one major category
3. Bank of America® Customized Cash Rewards Credit Card
- Cashback:
- 3% on a category of your choice (gas, online shopping, dining, etc.)
- 2% at grocery stores and wholesale clubs
- Annual Fee: $0
- Welcome Offer: $200 online bonus after $1,000 spend in 90 days
- Bonus Tip: Preferred Rewards members can earn up to 75% more cashback
Best For: BofA banking customers and customizable rewards
4. Wells Fargo Active Cash® Card
- Cashback: 2% unlimited on all purchases (including groceries and gas)
- Annual Fee: $0
- Welcome Offer: $200 after $500 spend in 3 months
- Other Perks: 0% intro APR for 15 months, cellphone protection
Best For: Simplicity and flat-rate earners
5. Sam’s Club® Mastercard®
- Cashback:
- 5% on gas (up to $6,000/year, then 1%)
- 3% at Sam’s Club
- 1% elsewhere
- Annual Fee: $0 (but Sam’s Club membership required)
- Welcome Offer: Varies seasonally
- Other Perks: No foreign transaction fee
Best For: Sam’s Club members and heavy gas spenders
📊 Comparison Table
| Credit Card | Grocery Cashback | Gas Cashback | Annual Fee | Best For |
|---|---|---|---|---|
| Amex Blue Cash Preferred | 6% | 3% | $95 | High grocery & streaming spend |
| Citi Custom Cash | 5% (1 category) | 5% | $0 | Flexible category earners |
| BofA Customized Cash | 2% | 3% (chosen) | $0 | BofA users who want customization |
| Wells Fargo Active Cash | 2% (flat) | 2% (flat) | $0 | Set-it-and-forget-it rewards |
| Sam’s Club Mastercard | 1–3% | 5% | $0* | Fuel savings & warehouse rewards |
🧠 How to Pick the Right Card for You
When choosing a cashback card for groceries and gas, ask yourself:
- Do I spend more on groceries or gas monthly?
- Am I okay paying an annual fee if the rewards outweigh it?
- Do I prefer category-specific or flat-rate rewards?
- Do I already bank with the issuer? (BofA users get bonuses)
- Do I shop at wholesale clubs like Sam’s or Costco?
🔍 Tips to Maximize Cashback
- Stack with cashback apps like Rakuten, Upside (for gas), or Fetch Rewards
- Pay off your balance in full to avoid interest canceling out your cashback
- Use multiple cards if you want to optimize across several categories
- Watch for quarterly category changes if using rotating cards like Chase Freedom Flex
✅ Final Thoughts
In 2025, the best cashback credit cards for groceries and gas are offering stronger rewards than ever. For heavy grocery shoppers, the Amex Blue Cash Preferred® delivers unmatched 6% rewards. If you prefer a no-fee option, the Citi Custom Cash℠ or Wells Fargo Active Cash® are excellent choices.
Choose a card that aligns with your lifestyle—and make your everyday expenses work harder for you.
FAQs
Q. Can I earn cashback at wholesale stores like Costco or Sam’s Club?
Yes, but it depends on the card and how the store is categorized. Amex cards don’t work at Costco, but Sam’s Club Mastercard is ideal for Sam’s.
Q. Is it worth paying an annual fee for cashback?
If your grocery spend exceeds ~$1,600 per year, you’ll likely earn back the fee and more with a card like Amex Blue Cash Preferred.
Q. Do I lose cashback if I return an item?
Yes, the cashback is usually reversed when a return is processed.