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Compare Amex credit cards for gas and groceries
Earn big rewards for spending on everyday purchases.
Updated . What changed?
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:
|Card||Reward program||Points per $1||Annual fee|
|Blue Cash Everyday® Card from American Express||Membership Rewards||
||$0 (see rates & fees)|
|Blue Cash Preferred® Card from American Express||Membership Rewards||
||$0 intro annual fee, $95 starting the second year (see rates & fees) This offer expires on December 10, 2020.|
|Amex EveryDay® Preferred Credit Card||Membership Rewards||
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. While there isn’t a full Amex grocery store list available, here are a few examples of accepted stores:
- Whole Foods
There are three exclusions Amex notes in your card’s guide to benefits: superstores, convenience stores and warehouse stores. Examples include:
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. Examples include:
However, gas stations attached to supermarkets or wholesale clubs are not eligible for earning rewards. Costco or Walmart gas stations for example would not earn points through these cards.
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
If you want a look at more than just Amex everyday rewards cards, select your credit score below and click “Show Cards.” You can select up to four cards to start comparing them side-by-side.
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.Back to top
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