What card is the best for groceries and gas? Also, Cap One Savor thoughts.

[Anonymous]

AAoA: 1 year
Scores: Creditwise TU 712, EXP app 723, Discover App FICO 8 749
Current cards: Capital One Platinum Secured (Opened March 2018), Discover IT (Opened October 2018), and Amazon Prime Store Card (Opened March 2019).
Inquiries: EX 8, but 2 are car loan related. Two are hitting the one year mark in June and August. TU 3, 2 of them already past the one year.
Other: Car loan (Opened October 2018 at 19k, currently at 13k), Affirm (Opened October 2018 and closed same month)

I’m currently taking advantage of Discover’s matching cb. I don’t see myself using the Discover afterwards. I’d like to find a card where I can get the best cb for groceries and gas at the same time. I’m considering Costco Citi for gas, but I don’t get the bulk of my groceries from there. Currently I’m using an Ikea Visa (authorized user card) for gas but that only nets me Ikea gift cards.

I also have some major purchases this year that will make it easy for me to achieve the $3000 spending requirement for the Cap One Savor. Cap One Savor does have 2% on groceries.

I’m eyeing the Citi Double and eventually Chase Trifecta but I’m in no shape to travel for the next two years or so.

Thoughts? I plan to try and apply to whatever gets decided on in August or much later this year. I know my AAoA is not the best but with time passing + car loan decreasing + util being low overall I can see myself hitting 760-780 easily this year.

Thank you!

[Anonymous]

Amex BCP gives 6 percent back on groceries and 3 percent on gas.  It has a $95 fee but comes with a $250 sign up bonus so that should be good for the first 2 years.  BCE gives 3 percent on groceries comes with $250 sign up bonus and no annual fee.  I think BOA 3-2-1 you can make your 3 percent category groceries if you so desire. I think $150 sign up bonus and no annual fee. 

[SBR249]

One thing you can check is whether Amazon sells gift cards for any of the grocery stores where you shop. I mostly go to Giant around here and Amazon sells their gift cards in $50 increments. Since I have the Chase Amazon Visa that's automatic 5% cashback as long as I plan ahead and buy the gift cards before I go. Also, if you shop at Whole Foods, you can look into the Square Cash debit card, 10% off at Whole Foods up to $75 total bill and you can use it every 90min or so (I think?). If you shop at Target for groceries, you can look into getting a redcard for 5% off there. 

[pinkandgrey]

My first thought was Amex BCE.

[DaveInAZ]

---

@Anonymous wrote:

Amex BCP gives 6 percent back on groceries and 3 percent on gas.  It has a $95 fee but comes with a $250 sign up bonus so that should be good for the first 2 years.  BCE gives 3 percent on groceries comes with $250 sign up bonus and no annual fee.  I think BOA 3-2-1 you can make your 3 percent category groceries if you so desire. I think $150 sign up bonus and no annual fee. 

---

Yes, but if you most of your groceries at Walmart, Target or wholesale club Amex only gives you 1% on BCP/BCE. And no, unfortunately on the BoA Cash Rewards you can only set the 3% category to gas, dining, travel, drug stores or home improvement, it gives 2% on groceries and can't be changed but at least it does give 2% at Walmart if the store codes a groceries on the Visa network, which mine does.

[Anonymous]

If you’re eligible for NFCU, the More Rewards AMEX is a 3% gas, 3% groceries, 2% restaurants, 1% everything else card. 

Its a better option than the BCE if you can deal with $50 minimum for cash redemption (gift cards start at $10 for redemption). Their portal offers travel and concerts as well as cash back, gift cards, and merchandise plus the Member Deals allow you to earn extra cash back starting at 2% for shopping at specific stores. 

They’re offering $300 for $3000 of spend in the first 90 days right now. It’s not as generous as Savor but it’s a more useful card with no AF going forward. 

[Anonymous]

---

@DaveInAZ wrote:

---

@Anonymous wrote:

Amex BCP gives 6 percent back on groceries and 3 percent on gas.  It has a $95 fee but comes with a $250 sign up bonus so that should be good for the first 2 years.  BCE gives 3 percent on groceries comes with $250 sign up bonus and no annual fee.  I think BOA 3-2-1 you can make your 3 percent category groceries if you so desire. I think $150 sign up bonus and no annual fee. 

---

Yes, but if you most of your groceries at Walmart, Target or wholesale club Amex only gives you 1% on BCP/BCE. And no, unfortunately on the BoA Cash Rewards you can only set the 3% category to gas, dining, travel, drug stores or home improvement, it gives 2% on groceries and can't be changed but at least it does give 2% at Walmart if the store codes a groceries on the Visa network, which mine does.

---

Target card gives you 5 percent off Target.  Wallmart card gives you 3 percent off of Walmart. If you are doing all your grocery shopping there one of those cards is probably your best bet. 

[Anonymous]

Ah, forgot to mention but I regularly get my gas from costco, and I’ve yet to find a gas station that doesn’t have insane prices + fees when using cc. Good to know though, thank you!

[Anonymous]

Oh!!! I didn’t know Amazon sold giftcards. I mostly do my groceries at Trader Joes/Vons at the moment. Not a Whole Foods near me and I just have the sync amazon, not chase amazon.

[Anonymous]

Like I mentioned to the other poster, I get my gas from costco (visa only) and I’ve yet to find a gas station that doesn’t have insane prices + fees when using cc to pay a fee. But thank you for the card vote!