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How to earn more points on gas and groceries with an Amex card

Earn big rewards for spending on everyday purchases.

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Fact checked
American Express offers a variety of credit cards you can use to earn additional rewards on specific categories, such as gas and groceries. And like many credit card issuers, Amex also lists specific retailers in these categories where you can get a higher rate of points per $1 spent.

Which American Express credit cards earn more points for supermarket and gas station spending?

American Express offers three personal credit cards that earn more points per $1 spent at major supermarkets and gas stations. You can use the table below to compare these cards based on the earn rates and annual fee:

CardReward programPoints per $1Annual fee
Blue Cash Everyday® Card from American ExpressMembership Rewards
  • 3% cash back at US supermarkets on up to $6,000 per year in purchases and 1% afterward
  • 2% cash back at US gas stations and some US department stores
  • 1% cash back on all other eligible purchases
$0 (see rates & fees)
Blue Cash Preferred® Card from American ExpressMembership Rewards
  • 6% cash back at US supermarkets on up to $6,000 in purchases each year, with your rate reverting to 1% after.
  • 3% cash back at US gas stations,
  • 6% cash back on US streaming services
  • 3% on transit purchases
  • 1% on all other purchases
$95 (see rates & fees)
Amex EveryDay® Preferred Credit CardMembership Rewards
  • 3x points at US supermarkets on up to $6,000 annually, then 1x
  • 2x points at US gas stations
  • 1x points on all other purchases
$95
Please note: All information about Amex EveryDay® Preferred Credit Card has been collected independently by Finder and this card is not available through this site.

What does American Express define as a “major supermarket”?

Amex defines a major supermarket as a retailer that sells everyday items such as meat, dairy, packaged goods and household supplies. However, there are three exclusions to note: superstores, convenience stores and warehouse stores, such as Target or Costco. Examples of accepted supermarkets include:

  • Shoprite
  • Whole Foods
  • Safeway
  • Giant

Earning more points at major supermarkets

To give you an idea of the potential benefits of this point offer, let’s say you have the Blue Cash Everyday® Card from American Express and spend $200 per week at the following supermarkets:

  • Shoprite: $150
  • Target: $50

This card earns 3 points per $1 at major supermarkets, so you would earn 450 points for your spending at Shoprite. As Target is not included in the list of eligible supermarkets outlined by American Express, you would only be able to earn 1 point per $1 for spending there, bringing your weekly total point earnings to 500.

What does American Express define as a “major gas station”?

Eligible US gas stations for rewards include any merchant “in the primary business of selling gasoline to consumers,” according to the Amex site. These gas stations are allowed to also sell convenience items. However, gas stations attached to supermarkets or wholesale clubs are not eligible. A few examples of accepted gas stations include:

  • Exxon
  • Mobil
  • Gulf
  • Shell

What else do I need to know about earning points at these businesses?

Keep the following details in mind to help you make the most of this feature:

  • Point allocation. It usually takes 24 to 48 hours for points to show up in your Membership Rewards account.
  • Cash advances. If you use your Amex card to get cash out, pay for gift cards, prepaid cards or any other transaction defined as a cash advance, you won’t earn points on this part of the transaction. So, for example, if you spent $100 on shopping at Giant and requested $50 cash out, you’d only earn points on the $100 worth of shopping. A cash advance fee and the cash advance interest rate would also apply to the cash out amount.
  • Surcharges. Some businesses may apply a surcharge when accepting payments made with an American Express credit card. This is usually worth 2% to 3% of the total purchase amount, so you may want to factor that in before deciding how you pay for purchases.

Compare everyday rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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Bottom line

Earning on everyday spending is a reliable and consistent way to build up your Membership Rewards points. Make sure you’re sticking to Amex-approved supermarkets and gas stations to maximize your Amex rewards.

Compare Amex credit cards to find one that best suits your spending needs.

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