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Best For Groceries and Gas: Blue Cash Preferred® Card from American Express

The typical U.S. household spent $4,942 on food items and $1,568 on fuel, gas or motor oil between now and the year 2020 as per the Bureau of Labor Statistics. If a large portion of your budget is spent on these two categories, then the Blue Cash Preferred Card offered by American Express is worth considering.

The card provides cash back of 6% on the first $6,000 you spend in U.S. supermarkets each year (then 1 percent) and 6% back on certain U.S. streaming services, the card offers 3% cash back on transit as well as on U.S. gas stations, and 1 percent back on everything else. Conditions are applicable on American Express benefits and offers. Go to americanexpress.com to learn more.

Additionally, you will earn $7 every month after you use Your Blue Cash Prepaid Card. pay $12.99 or more per month on a subscriptions with The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.

As you become a new cardholder, you’ll get a $250 statement credit when you make $3,000 worth of transactions on your new Card in the first six months.

The biggest drawback with the card is the annual $95 cost, however you can enjoy an intro annual fee of $0 during the very first one year (see rates and fees). You can also only cash out rewards as statements credit or gift cards. Many other cash-back cards allow customers to make direct deposits or even a check in paper.

If you are spending much on groceries or gas, however, the annual cost of your card may be a breeze to swallow.

Best For Dining: Capital One® Savor® Rewards Credit Card

The Capital One Savor Rewards Credit Card provides the option of cash back at 4% on entertainment and dining and entertainment, making it an excellent option for those who regularly dine out. Additionally, you’ll get 2% cash back in grocery stores, and 1 percent back on everything else.
If you’re an new card holder, you’ll receive an instant cash bonus of $300 if you spend $3,000 within the initial three months.

The card comes with an annual fee of $95 however, the fee is waived in the first year. This gives you time to try the card and decide if it’s right for your needs.

Best For Flexible Rewards: Bank of America® Customized Cash Rewards Credit Card

When your habits of spending shift through the year or if you’re just looking for more flexibility in the way you earn your reward points The bank ofamerica Cash Rewards credit card may be the right choice for you.
The card provides the cash-back of 3% in a specific category you select from a list of categories that include gasoline, online shopping as well as dining, travel furniture, and drug stores and furniture. You can switch your category each month. Additionally, you’ll receive 2% cashback at wholesale and grocery clubs, and 1% on all other purchases.

The only thing you need to be aware of is that bonus points received from the categories of 3% and 2 categories can be capped at $2500 per quarter.

However If you’re an Preferred Rewards member of Bank of America, you could earn between 25 percent or 75% higher reward points and can help compensate for the bonus cap.

When you first receive your card, it will earn 200 cash back if you spend $1,000 within the initial 90 days. There is no annual cost.