@DaWhole9 wrote:
@Simmonowski wrote:Have you tried your BCP at a grocery store that has gas pumps? Mine codes as grocery, giving the 6% back.
Just curious...what are some??? I can only think of Sams Club and Costco, and I'm not a member of either, although maybe thats worth it to join.
I've never had a grocery store pump code as grocery. I'd be upset if it did since I'd be using a gas card. My current strategy is to use Hilton Honors Business at 6X - which is around 3.5% - but the best use of this card. (Personally) DW drives an electric, but my gas guzzling Wrangler seems to be getting worse milage the more gas prices increase lol.
Might have to rethink my strategy. I like the idea of using gift cards. I could get away with buying one per month - that's not too much of a hassle. I think a couple of my local grocery stores offer gas points on the purchase of their own gift cards. Might be able to get an extra % or two that way too. I'll explore some options. I bet I could hit 7-8% with DW's BCP and store point gas discounts - maybe more. Personally I prefer points, but it's hard to argue against that kind of discount.
@UncleB wrote:
I can share that my local Kroger doesn't code as grocery or gas on the BCP/EDP. Or to be more specific, it technically does code as "gas" on the statement, but you don't earn rewards at the enhanced rate.
Not coding as grocery makes perfect sense, but for some reason in the fine-print Amex excludes supermarkets that sell gas - one would expect it to at least trigger the lower fuel multiplier. Interestingly, buying fuel at the Kroger fuel island *does* trigger the 5% gas multiplier on the USAA Rewards Plus American Express, so the exclusion isn't with the Amex network, just the AENB ("Amex proper") card products.
Speaking of exclusions, the Sam's Club MasterCard used to have similar language about excluding gas purchased at grocery stores, however at my local Kroger I've always earned 5% cash back regardless. (The exclusion language might still be there... I've not had a reason to check in a while since for me it works anyway.)
Kroger is the vender I was referring to above, so thanks for the tip! 
So once again, I'll have to expand my thinking. X1 also triggers their multiplier (when available) at Safeway, and likely Kroger. So perhaps this is exclusive to Amex?
You may go electric to eliminate gas spend. Here is one example: ~300 miles on full charge and a full charging can be done overnight at home in garage (charging cost is almost negligible). If urgent, fast charging can be done (~30-60min) at stations.
Anyway, Penfed Platinum gives 5x on gas/EV charging and the card does not have AF. Based on the Nerdwallet link below, redeeming can be done for travel ~1.7 cent/point and ~0.85 cent/point for GC. So, in the best case, it gives 8.5% return and there is no CAP.
https://www.nerdwallet.com/reviews/credit-cards/penfed-platinum-rewards
Fico8: EX~EQ~TU~810 (12 month goal~840).
For me we use either the old grandfathered in Penfed Platinum rewards that's 5% at the pump, or Citi Custom Cash.
The old Penfed card got revamped about 8 years ago; I'm not a big fan of its replacement.
I haven't read all the replies, but I will tell you this. I drive a car that requires 93 octane due to the performance chip (Audi).
Nothing has saved me more in the past few months than my membership at Sam's Club. I found a coupon to get the $50 membership for $20. Sam's Club for example - the 93 octane here just north of Columbus last week was $3.95. 93 at Sam's was $3.23. That coupled with the Citi custom cash has been a huge savings. My wife and I both got the Citi Custom cash, then became authorized users on each other's account, so combined we get basically $1000 @ 5% in either 2 categories total or one big category. Right now we're doing Fast Food/Restarants at 5, and gas at 5. I printed a small black label on her cards so she knows which Citi card to use.
Good luck. I don't work for Citi or Sam's Club 
Shawn