Best Gas Credit Cards of December 2022

Compare 169 credit cards for gas on Myfin.us.

By Hanna Volkava
Updated December 08, 2022

Best Credit Cards for Gas in December 2022

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American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

Blue Cash Preferred® American Express
Annual fee:
$0 intro annual fee for the first year
$95 for the rest years
Regular APR:
17.74% - 28.74% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on streaming (select U.S. streaming subscriptions).
    • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
    • 3% Cash Back at U.S. Gas Stations.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Balance Transfer APR:
    17.74% - 28.74% Variable
  • Issuer name:
    American Express®
  • Details:

    The Blue Cash Preferred from American Express® is one of the best rewards cards on the market, with great cash back rates in many everyday-spending categories. Cardholders will earn an extraordinary 6% cash back at U.S. supermarkets (up to $6,000 spent annually, then 1%) and on U.S. streaming subscriptions, 3% cash back at U.S. gas stations and transit, plus 1% on everything else. If you spend $3,000 in the first 6 months, you'll get $250 back. The other two welcome offers are a 12-month 0% intro APR offer on purchases (a variable APR of 17.74% - 28.74% afterward) and $0 fees on Buy Now, Pay Later Plan It fees on plans created during the first 12 months of account opening (up to 1.33% fixed monthly fee for plans created afterward). The card comes with a $95 annual fee which you'll easily offset if you spend a lot on groceries and gas.

  • Pros:
    • Excellent cash back in popular spending categories. Get 6% cash back at U.S. supermarkets (up to $6,000 spent annually, then 1%) and U.S. streaming subscriptions, as well as 3% cash back at U.S. gas stations and transit.
    • Great sign-up bonus. Earn a $250 bonus once you spend $3,000 in the first 6 months.
    • Two budget-friendly intro offers. A 0% intro APR on purchases during the 12 months, and $0 fees on Buy Now Pay Later Plan It fees.
  • Cons:
    • Annual fee. The card comes with an annual fee of $95 which is waived for the first year.
    • Capped rewards on groceries. The 6% cash back rate at U.S. supermarkets is capped at $6,000 spent annually.
  • Benefits:
    • Earn $250 Back (in the form of a statement credit);
    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
    • 6% Cash Back on streaming subscriptions;
    • 3% Cash Back on transit;
    • 3% Cash Back at U.S. Gas Stations;
    • 1% Cash Back on other purchases;
    • Extended warranty;
    • Fraud Protection;
    • Return Protection;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Pay It Plan It®;
    • American Express Experiences;
    • Terms Apply.
Card detail

Bank of America Cash Rewards best for Gas

Bank of America® Cash Rewards
Annual fee:
$0
Regular APR:
16.24% - 26.24% Variable
Our Rating:
5
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back rewards in a selected purchase category.
    • 2% Cash Back at grocery stores and wholesale clubs.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 18 Statement Closing Dates following the opening of your account
  • Balance Transfer APR:
    16.24% - 26.24% Variable
  • Issuer name:
    Bank of America
  • Details:

    If you occasionally spend more on gas, i.e. in certain months, consider the Bank of America Customized Cash Rewards credit card. Each month you get to choose the bonus category in which you'll earn 3% cash back. The options offered are gas, dining, travel, online shopping, drug stores, and home improvement. On top of this, you'll get 2% cash back at grocery stores and wholesale clubs and 1% on all other purchases. Bear in mind that the 3% and 2% cash back bonus categories are capped at $2,500 spent in combined purchases each quarter. There's a decent sign-up bonus of $200 with a relatively low spending requirement - $1,000 within the first 90 days. Another great welcome benefit is a 0% intro APR offer on purchases and balance transfers during the first 18 billing cycles. Note that balance transfers have to be made within 60 days of account opening, and the regular APR is 16.24% - 26.24%. You'll get all these cool features at no annual cost.

  • Pros:
    • Generous, customizable rewards program. Earn 3% cash back in a bonus category of your choice and 2% cash back at grocery stores and wholesale clubs (on up to $2,500 spent in combined purchases per quarter).
    • Two solid welcome offers. Earn a $200 bonus by spending $1,000 in the first 90 days and an 18-month 0% APR period on purchases and balance transfers.
    • No annual fee. This card doesn't come with an annual cost.
  • Cons:
    • Cap on rewards. The bonus categories that earn you 3% and 2% cash back are capped at $2,5000 spent in combined purchases quarterly.
  • Benefits:
    • 3% Cash Back in your choice category;
    • 2% Cash Back at grocery stores & wholesale clubs;
    • 1% Cash Back on all other purchases;
    • $200 cash rewards bonus;
    • $0 Fraud Liability;
    • Overdraft Protection;
    • Digital Wallets;
    • FICO® Score for Free.
Card detail

Citi Premier® best for Travel

Premier® Citi
Annual fee:
$95 annually
Regular APR:
19.74% - 27.74% Variable
Our Rating:
3.94
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points per dollar on restaurant, supermarket, gas station, hotel and air travel purchases.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 80,000x Bonus Points after spending $4,000 in purchases with your card within the first 3 months of account opening. Redeemable for $800 in gift cards.
  • Balance Transfer APR:
    19.74% - 27.74% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi Premier® Card comes with a long list of bonus categories – gas stations, restaurants, supermarkets, air travel, and hotels. Every purchase in these categories will earn you 3x Thank You Points per dollar spent, while all other purchases earn 1x point. There are also several options when it comes to redeeming – gift cards, online shopping at Amazon.com or BestBuy.com, transfer to frequent flier programs, and redeeming for travel rewards (including flights, hotels, and more). The one-time bonus is more-than-generous – 80,000 bonus points that could be redeemed for $800 in gift cards. However, the spending requirement is somewhat higher than with other cards - $4,000 in purchases within the first 3 months of account opening. Other features worth mentioning are the $100 Annual Hotel Savings Benefit (on a single hotel stay of $500 or more) and no foreign transaction fees. Still, there's a $95 annual fee.

  • Pros:
    • Great rewards in common spending categories. Earn 3 points per dollar on gas stations, restaurants, supermarkets, flights, and hotels.
    • Flexible redemption options. Choose to redeem for gift cards, travel, and online shopping.
    • Excellent welcome bonus. Get 80,000 points (potentially worth $800 if redeemed with gift cards) once you spend $4,000 within the first three months.
  • Cons:
    • $95 annual fee. This card comes at an annual cost, which still might be well worth it.
  • Benefits:
    • 80,000 Bonus Points;
    • 3x points on restaurant, supermarket, gas station, hotel and air travel purchases;
    • 1x points on all other purchases;
    • World Elite Mastercard perks;
    • Gift Cards;
    • Shop with Points;
    • Additional Cards;
    • Digital Wallets;
    • Citi Entertainment;
    • $100 Annual Hotel Savings Benefit;
    • Points Transfer.

Card detail

Pentagon Federal Credit Union Platinum Rewards Visa® Signature best for Gas

PenFed Platinum Rewards Visa® Signature
Annual fee:
$0
Regular APR:
16.49% - 17.99% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Points on gas paid at the pump and EV charging stations.
    • 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services.
    • 1x Point on all other purchases.
  • Intro Offer:
    • 15,000x Bonus Points when you spend $1,500 in first 90 days.
  • Balance Transfer APR:
    17.99%
  • Issuer name:
    Pentagon Federal Credit Union
  • Details:

    Members of the Pentagon Federal Credit Union that have a savings account with at least $5 can qualify for the no-annual-fee PenFed Platinum Rewards Visa® Signature credit card. It's worth mentioning that a military affiliation is not required, and everyone can apply for membership. You'll get 5x points on gas paid at the pump and EV charging stations, 3x points at supermarkets (even including most Walmart and Target stores), restaurants, streaming services, TV, radio, and cable. All other purchases will earn 1x point. New cardholders have two welcome offers – a 15,000-point bonus once you spend $1,500 within the first 90 days and a 12-month 0% APR for balance transfers (a 3% balance transfer fee applies). The ongoing APR is also relatively low, from 16.49% - 17.99%. Points can be redeemed for gift cards, travel, Apple Stores, Charity, E-gift cards, and experiences. PenFed doesn't disclose the value of the points, but according to several sources, one point is worth 1.7 cents when redeemed for flights and hotels.

  • Pros:
    • Solid rewards on gas and groceries. Earn 5x points at gas stations, 3x points at supermarkets, restaurants, streaming services, and more.
    • No fees. This card comes with no annual or foreign transaction fees.
    • Decent intro offers. A 15,000-point bonus once you spend $1,500 within the first 90 days and a 12-month 0% APR for balance transfers (16.49% - 17.99% thereafter).
  • Cons:
    • Membership required. In order to be eligible for the card, you'll need to be a member and maintain a savings account with at least $5.
    • Limited redemption options. You won't get cash back, and you can't redeem for statement credit.
  • Benefits:
    • 15,000 Bonus Points when you spend $1,500 in first 90 days;
    • 5x points on gas paid at the pump and EV charging stations;
    • 3x points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services;
    • 1x point on all other purchases;
    • 24/7 Fraud Monitoring;
    • Secure Remote Commerce;
    • Member Discounts.
Card detail

Citi Costco Anywhere Visa® best for Cash Back, Young couples

Costco Anywhere Visa® Citi
Annual fee:
$0
Regular APR:
18.99% Variable
Our Rating:
4.23
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 4% Cash Back on eligible gas, including gas at Costco for the first $7,000 per year and then 1% thereafter.
    • 3% Cash Back on restaurants and eligible travel purchase worldwide.
    • 2% Cash Back on all other purchases from Costco and Costco.com.
    • 1% Cash Back on all other purchases.
  • Balance Transfer APR:
    18.99% Variable
  • Issuer name:
    Citi
  • Details:

    The Costco Anywhere Visa® by Citi offers one of the most generous cash back rates on gas purchases (including EV charging worldwide and at Costco) – 4% cash back on up to $7,000 spent annually (1% thereafter). On top of that, you'll also get 3% cash back on restaurants and travel, 2% on all Costco purchases (both in-store and online), and 1% on everything else. Although this card will earn you cash back outside Costco, mainly you can only spend your rewards there. Rewards can be redeemed for cash back or merchandise at Costco. Though, if your rewards exceed $500, you’d be able to make a direct deposit of the rewards certificate. The deadline for redeeming the rewards is Dec 31 of each year. The card has no annual fee; however, it requires a Costco membership ($60 annually for Gold Star Membership and $120 annually for Executive Membership).

  • Pros:
    • Exceptional rewards on gas purchases. The 4% cash back rate on gas purchases is one of the best on the market.
    • Cash back at Costco, restaurants, and on travel. Earn 3% cash back on dining and travel, plus 2% cash back at Costco stores and Costco.com.
    • Earn rewards beyond Costco spending. Although it's a store credit card, it also earns rewards in a few popular spending categories.
  • Cons:
    • Restricted redemption. The cash back earned with this card can only be spent at Costco unless your rewards are over $500.
    • Costco membership required. Only those with a Costco membership are eligible for this card.
  • Benefits:
    • Cash Back Rewards;
    • Damage & Theft Purchase Protection;
    • Extended Warranty;
    • Citi Entertainment®.
Card detail

Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Flex℠
Annual fee:
$0
Regular APR:
18.74% - 27.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    18.74% - 27.49% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Flex℠ offers an outstanding 5% cash back for groceries on up to $12,000 spent in the first year of card membership. The card has quarterly rotating bonus categories that earn 5% cash back on up to $1,500 spent each quarter. These include gas stations, grocery stores, online merchants, and others. Rewards don't end here; there's also a 5% cash back on travel purchased through Chase, 3% cash back at restaurants (including takeout and delivery), 3% cash back on drugstore purchases, and 1% cash back on everything else. Its star benefit is the $200 sign-up bonus which is quite generous for a no-annual-fee card, and it has a relatively low spending requirement - $500 on purchases within the first 3 months of account opening. On top of that, cardholders will also get a 15-month 0% APR offer on balance transfers and purchases (a variable APR of 18.74% - 27.49% thereafter). Other worthwhile features include trip cancellation and interruption insurance and cell phone insurance protection.

  • Pros:
    • Excellent rewards in many popular spending categories. Earn 5% cash back on groceries within the first year (on up to $12,000 spent annually), 5% cash back in quarterly rotating categories (like groceries and gas), 5% on travel booked through Chase and 3% at restaurants and drugstores.
    • Generous one-time bonus. You can get $200 if you spend $500 within the first 3 months.
    • Several useful perks. The card comes with a few insurance protections like trip cancellation and interruption.
  • Cons:
    • Cap on rewards in rotating categories. Unfortunately, the 5% cash back you'll earn in quarterly rotating categories is capped at $1,500 spent per quarter.
  • Benefits:
    • 5% Cash Back on gas;
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards;
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
    • 3% Cash Back on drugstore purchases;
    • 1% Cash Back on all other purchases;
    • $200 Cash Back;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Trip Cancellation/Interruption Insurance;
    • Cell Phone Protection;
    • Auto Rental Collision Damage Waiver;
    • Travel and Emergency Assistance Services.
Card detail

Citi Double Cash best for Cash Back, No Annual Fee, Daily use

Double Cash Citi
Annual fee:
$0
Regular APR:
17.74% - 27.74% Variable
Our Rating:
4.55
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • Intro Offer:
    • $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.
  • Balance Transfer APR:
    17.74% - 27.74% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi Double Cash card can be found on most lists of best rewards credit cards, and the reason is its stellar flat-rate cash back – an unlimited 2% cash back on all purchases. You'll get 1% cash back when you make a purchase and another 1% when you pay for it. Those who spend $1,500 in the first 6 months will get a $200 bonus. There's also a lengthy intro APR offer for balance transfers – 0% APR for 18 months (17.74% - 27.74% thereafter). Balance transfers made within the first 4 months will be charged an intro fee of 3% of each transfer ($5 minimum), and after that, it's 5% ($5 minimum). The card comes at no annual fee.

  • Pros:
    • Outstanding, unlimited flat-rate cash back. Earn an unlimited 2% cash back every time you make a purchase (1% when you swipe your card and 1% when you pay for the purchase).
    • Long intro APR offer. 0% APR for 18 months on balance transfers.
    • No annual fee. With this card, you won't have to worry about an annual cost.
  • Cons:
    • Lacks extra benefits. This card doesn't come with perks that can be found in other credit cards like travel insurance.
  • Benefits:
    • Citi Entertainment;
    • 2% Cash Back on every purchase;
    • Fraud Protection;
    • The Lost Wallet Service;
    • $0 Liability for Unauthorized Charges.
Card detail

Discover Bank Discover it® Cash Back best for Cash Back, 0 APR, No Annual Fee, Young couples, Daily use

Discover it® Cash Back Discover Bank
Annual fee:
$0
Regular APR:
13.49% - 24.49% Variable
Our Rating:
4.96
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% On everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate (on up to $1,500 in purchases each quarter, then 1%).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • 2x New cardmembers get double Cash Back in the first year (awarded after the first year).
  • Purchase Intro APR:
    0% Intro APR for 15 months from date of account opening
  • Balance Transfer APR:
    13.49% - 24.49% Variable
  • Issuer name:
    Discover Bank
  • Details:

    This is another great no-annual-fee card with quarterly rotating categories. You'll get 5% cash back in different categories like gas purchases, restaurants, groceries, Amazon.com, and more (on up to $1,500 spent per quarter). Gas stations were a bonus category in the second quarter of 2022. There are two welcome offers for this card; one is Discover's signature Unlimited Cashback Match – they'll match all the cash back earned in the first year. The other one is a 0% intro APR for 15 months on purchases and balance transfers; after that, a variable APR of 13.49% - 24.49% will be applied.

  • Pros:
    • Generous rewards in quarterly rotating categories. Earn 5% cash back in different categories each quarter, including gas, dining, groceries, and many more.
    • Unlimited Cashback Match. Discover will match all the cash back you earn in the first year.
    • 0% intro APR offer. The offer is valid for the first 15 months for balance transfers and purchases.
  • Cons:
    • Cap on quarterly rotating categories. The 5% cash back is capped at $1,500 in purchases each quarter.
  • Benefits:
    • 5% Cash Back on everyday purchases at different places each quarter;
    • 1% Cash Back on all other purchases;
    • Discover® Cashback Match;
    • $0 Fraud Liability;
    • FICO® Credit Score;
    • 24/7 customer service line.
Card detail

Discover Bank Discover it® Secured best for Cash Back, No Annual Fee, Young couples, For bad credit

Discover it® Secured Discover Bank
Annual fee:
$0
Regular APR:
25.24% Variable
Our Rating:
3.98
scorer
Credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • 2x Discover will automatically match all the cash back you’ve earned at the end of your first year.
  • Balance Transfer APR:
    10.99% The APR for 6 months from date of first transfer
    25.24% The APR after 6 months from date of first transfer
  • Issuer name:
    Discover Bank
  • Details:

    Secured cards don't usually come with rewards, but this one does. With the Discover it® Secured, you'll get 2% cash back at gas stations and restaurants on up to $1,000 spent in combined purchases per quarter and 1% on all other purchases. Plus, in the first year, you'll get Discover's Unlimited Cashback Match. The credit line is equal to the security deposit amount (minimum $200). After 7 months, you'll qualify for automatic monthly reviews, and if you've made timely payments, your card might automatically convert to an unsecured one. Those who'll transfer a balance until Feb 10, 2023, will get a 10.99% intro APR for 6 months (25.24% thereafter). The APR on purchases is 25.24%.

  • Pros:
    • Decent rewards program for a secured credit card. Opposite to other cards targeting people with bad credit, this one comes with a rewards program – 2% cash back at gas stations and restaurants on up to $1,000 spent quarterly and 1% on all other purchases.
    • Unlimited Cashback Match. Discover will match all the cash back you earned in the first year.
    • Automatic monthly reviews. 7 months after account opening, your account will get reviewed monthly for an upgrade to an unsecured card.
  • Cons:
    • Low maximum credit lines. The minimum amount for the security deposit (which also represents your credit limit) is $200, while the maximum is $2,500.
    • High APRs. The regular APR on balance transfers and purchases is 25.24%. Which is relatively high compared to other credit cards.
  • Benefits:
    • Refundable security deposit;
    • $0 Fraud Liability;
    • No Foreign Transaction Fees;
    • 2% Cash Back at gas stations and restaurants;
    • 1% Cash Back on all other purchases;
    • Unlimited Cashback Match;
    • 99% nationwide acceptance.
Card detail

Hilton Honors American Express Card best for No Annual Fee

Hilton Honors American Express Card
Annual fee:
$0
Regular APR:
19.49% - 28.49% Variable
Our Rating:
3.12
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 7x Points on hotels & resorts. For eligible purchases at hotels and resorts in the Hilton portfolio.
    • 5x Points on dining at U.S. restaurants.
    • 5x Points on groceries at U.S. supermarkets.
    • 5x Points on Gas at U.S. gas stations.
    • 3x Points per dollar spent on all other eligible purchases.
  • Intro Offer:
    • 80,000x Bonus points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    Although the Hilton Honors American Express® is a hotel co-branded card, its rewards program contains a few popular spending categories as well. So, cardholders will earn 7x points per dollar on Hilton hotels and resorts, 5x points at U.S. restaurants (including delivery and takeout), U.S. supermarkets, U.S. gas stations, and 3x points for all other purchases. The one-time offer is 80,000 Hilton Honors Bonus Points once you spend $1,000 in the first 3 months of account opening. The card comes with a Complimentary Hilton Honors Silver status which will furtherly add to the list of benefits. There's no annual fee with this card.

  • Pros:
    • Great rewards program not limited to Hilton spending. Besides 7x points on purchases at Hilton hotels and resorts, you'll also get 5x points at U.S. restaurants, U.S. supermarkets, U.S. gas stations, and 3x points for all other purchases.
    • Generous welcome offers. Get 80,000 Hilton Honors Bonus Points after you spend $1,000 in the first 3 months and up to $100 in statement credit in the first year.
    • Complimentary Hilton Honors Silver status. By qualifying for this card, you'll automatically get the Hilton Honors Silver status.
  • Cons:
    • No intro APR. This card doesn't have any intro APR offer.
    • Lacks extra perks. There aren't many fancy benefits that usually come with hotel-branded cards.
  • Benefits:
    • 80,000 bonus points;
    • 7x points on hotels & resorts;
    • 5x points on dining at U.S. restaurants;
    • 5x points on groceries at U.S. supermarkets;
    • 5x points on gas at U.S. gas stations;
    • 3x points on all other purchases;
    • Additional Cards;
    • Complimentary Hilton Honors Silver Status;
    • American Express Experiences;
    • Terms Apply.
Card detail

Hilton Honors American Express Surpass® Card best for Honeymoon

Hilton Honors Surpass® American Express
Annual fee:
$95 annually
Regular APR:
19.49% - 28.49% Variable
Our Rating:
2.53
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 12x Points on hotels and resorts. For eligible purchases at hotels and resorts in the Hilton portfolio.
    • 6x Points on dining at U.S. restaurants, including takeout and delivery.
    • 6x Points on groceries at U.S. supermarkets.
    • 6x Points on gas at U.S. gas stations.
    • 3x Points on other eligible purchases.
  • Intro Offer:
    • 130,000x Bonus points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    This card is the fancier, annual-fee version of the Hilton Honors American Express® card reviewed above. For an annual cost of $95, you'll get 12x points at Hilton hotels and resorts, 6x points at U.S. restaurants (including delivery and takeout), U.S. supermarkets, U.S. gas stations and 3x points for all other purchases. The sign-up bonus is 130,000 Hilton Honors Bonus Points after you spend $2,000 in the first 3 months. Cardholders will automatically get a complimentary Hilton Honors Gold status. There are also a few other perks that come with this card, like a Free Weekend Night Reward (after you spend $15,000 in a calendar year), a Priority Pass Select membership which gets you access to more than 1200 airport lounges, and you get 10 complimentary lounge visits each membership year.

  • Pros:
    • Excellent rewards program not limited to Hilton spending. Besides 12x points on purchases at Hilton hotels and resorts, you'll also get 6x points at U.S. restaurants, U.S. supermarkets, U.S. gas stations, and 3x points for all other purchases.
    • Fancy extra perks. Enjoy a complimentary Hilton Honors Gold Status, a Free Weekend Reward (once you spend $15,000 in a calendar year), and a Priority Pass Select membership (access to 1200+ airport lounges).
    • Generous one-time bonus. Earn 130,000 Hilton Honors Bonus Points after spending $2,000 in purchases in the first 3 months of account opening.
  • Cons:
    • No intro APR offer. This card doesn't come with an intro APR period.
  • Benefits:
    • 130,000 Bonus Points;
    • 12x points on eligible Hilton purchases;
    • 6x points on dining (at U.S. restaurants), groceries (at U.S. supermarkets), gas (U.S. gas stations);
    • 3x points on other eligible purchases;
    • Weekend Night Reward;
    • Priority Pass™ Select – 10 Free Visits;
    • Complimentary Gold Status;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • American Express® Experiences;
    • Additional Cards;
    • Terms Apply.
Card detail

PNC Cash Rewards® Visa® best for Gas

PNC Cash Rewards® Visa®
Annual fee:
$0
Regular APR:
16.24% - 27.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4% Cash Back on gas station purchases (for the first $8,000 in combined purchases).
    • 3% Cash Back on dining purchases at restaurants, including fast food (for the first $8,000 in combined purchases).
    • 2% Cash Back on grocery store purchases (for the first $8,000 in combined purchases).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card.
  • Balance Transfer APR:
    16.24% - 27.24% Variable
  • Issuer name:
    PNC
  • Details:

    This $0-annual-fee card offers solid cash back rates in several everyday-spending categories – 4% cash back on gas station purchases, 3% cash back at restaurants, and 2% cash back at grocery stores for the first $8,000 spent (in one year) in combined purchases in all these categories. Everything else will earn you 1% cash back. It also comes with a generous double cash back offer for the first year from card opening. During the first 12 months of account opening, new cardholders will get 0% intro APR on balance transfers (16.24% - 27.24% thereafter). Bear in mind that this card is available only in the states where PNC operates.

  • Pros:
    • Good rewards program. Earn 4% cash back on gas station purchases, 3% cash back at restaurants, and 2% cash back at grocery stores for the first $8,000 spent in combined purchases annually.
    • No annual fee. No annual cost to worry about.
    • Intro APR on balance transfers. 0% intro APR on balance transfers during the first 12 months.
  • Cons:
    • Annual cap on higher rewards rates. The cash back earned at gas stations, restaurants, and grocery stores is capped at $8,000 spent annually.
  • Benefits:
    • $200 Bonus (after you make $1,000 or more in purchases during the first 3 billing cycles);
    • 4% Cash Back on gas station purchases (for the first $8,000 in combined purchases);
    • 3% Cash Back on dining purchases at restaurants, including fast food (for the first $8,000 in combined purchases);
    • 2% Cash Back on grocery store purchases (for the first $8,000 in combined purchases);
    • 1% Cash Back on all other purchases;
    • Zero Liability Fraud Protection;
    • PNC Easy Lock®.
Card detail

Synchrony Bank Sam’s Club® Mastercard® best for Gas

Sam’s Club® Mastercard® Synchrony Bank
Annual fee:
$0
Regular APR:
17.90% - 25.90% Variable
Our Rating:
3.09
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).
    • 3% Cash Back on Sam’s Club purchases for Plus members. Club members earn 1% Cash Back.
    • 3% Cash Back on dining and takeout.
    • 1% Cash Back on other purchases at Sam's Club and wherever Mastercard is accepted.
  • Intro Offer:
    • $30 Statement credit when you open a new account and make $30 in Sam's Club purchases within 30 days.
  • Issuer name:
    Synchrony Bank
  • Details:

    At no annual cost, the Sam’s Club® Mastercard® offers 5% cash back on gas (on the first $6,000 spent annually), 3% cash back on dining and takeout, and 1% on all other purchases. Those with a Plus membership can earn up to 5% cash back at Sam’s Club - 2% in Sam’s Cash with their membership plus 3% in Sam’s Cash for Plus members with a Sam’s Club® Mastercard®. The maximum cash back you can earn is $5,000 per year. Since rewards can only be redeemed at Sam's Club you would need an active membership. The standard membership costs $45 and the Plus membership costs $100 per year.

  • Pros:
    • Generous cash back in bonus categories. Get 5% cash back on gas (on the first $6,000 spent annually) and 3% cash back on dining and takeout.
    • No annual fee. Although there's no annual fee, you'll still have to pay for Sam's Club membership.
  • Cons:
    • Limit on the gas rewards. The 5% cash back you'll get on gas purchases is capped at $6,000 spent per year.
    • Restricted redemption options. You can only redeem your rewards at Sam's Club.
  • Benefits:
    • Sign-Up Bonus Offer;
    • $0 Fraud Liability;
    • Cash Back on dining, travel and purchase;
    • Excellent 5 percent cash back on gas (on up to $6,000 in yearly purchases, then 1 percent);
    • Acceptance at all Sam's Club and Walmart® locations nationwide;
    • Doubles as your membership card.
Card detail

Citi Shell Fuel Rewards® Mastercard® best for Gas

Citi Shell Fuel Rewards® Mastercard®
Annual fee:
$0
Regular APR:
28.74% Variable
Our Rating:
2.71
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 10% Shell rebates on your first $1,200 Shell non-fuel purchases per year.
    • 2% Shell rebates on your first $10,000 Dining and Grocery purchases per year.
    • 1% Earn 1% Shell rebates on other qualifying purchases.
  • Intro Offer:
    • 26.3% Save 30¢/gal (up to 35 gallons) on your first 5 Shell fuel purchases made by 6/30/2023. After that, save 10¢/gal every time you fill up.
  • Issuer name:
    Citi
  • Details:

    The Shell Fuel Rewards® Mastercard® offers 10 cents off each gallon on Shell fuel purchases (up to 35 gallons), plus the first 5 purchases will save you 30 cents per gallon (up to 35 gallons). Additionally, there's 10% Shell rebates on the first $1,200 spent annually on Shell non-fuel purchases, 2% Shell rebates on the first $10,000 spent annually on dining and groceries, and 1% Shell rebates on all other purchases. Rebates will be applied as a statement credit for Shell purchases. The card has no annual fee.

  • Pros:
    • Excellent rewards on gas. Cardholders will get 10 cents off each gallon on Shell fuel purchases (up to 35 gallons), plus the first 5 purchases will save you 30 cents per gallon (up to 35 gallons).
    • Solid rewards on groceries and dining. Get 2% Shell rebates on the first $10,000 spent annually on dining and groceries.
  • Cons:
    • Unappealing one-time offer. While other credit cards offer $100, $200 or even more as a sign-up bonus, with this card you'll only get 30 cents off per gallon on the first 5 Shell fuel purchases.
  • Benefits:
    • 30¢/gal (up to 35 gallons) on your first 5 Shell fuel purchases;
    • 10% Shell rebates on your first $1,200 Shell non-fuel purchases;
    • 2% Shell rebates on your first $10,000 Dining and Grocery purchases;
    • 1% Shell rebates on other qualifying purchases.
Card detail

Short Review of Best Gas Cards

NameBest forRewards RateAPRApply
American Express Blue Cash Preferred
5
Gas, Groceries, Streaming services, Daily use
  • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on streaming (select U.S. streaming subscriptions).
  • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
  • 3% Cash Back at U.S. Gas Stations.
  • 1% Cash Back on other purchases.
  • 17.74% - 28.74% VariableLearn more
    Bank of America Cash Rewards
    5
    Gas
  • 3% Cash Back rewards in a selected purchase category.
  • 2% Cash Back at grocery stores and wholesale clubs.
  • 1% Cash Back on all other purchases.
  • 16.24% - 26.24% VariableLearn more
    Citi Premier®
    3.94
    Travel
  • 3x Points per dollar on restaurant, supermarket, gas station, hotel and air travel purchases.
  • 1x Points on all other purchases.
  • 19.74% - 27.74% VariableLearn more
    Pentagon Federal Credit Union Platinum Rewards Visa® Signature
    5
    Gas
  • 5x Points on gas paid at the pump and EV charging stations.
  • 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services.
  • 1x Point on all other purchases.
  • 16.49% - 17.99% VariableLearn more
    Citi Costco Anywhere Visa®
    4.23
    Cash Back, Young couples
  • 4% Cash Back on eligible gas, including gas at Costco for the first $7,000 per year and then 1% thereafter.
  • 3% Cash Back on restaurants and eligible travel purchase worldwide.
  • 2% Cash Back on all other purchases from Costco and Costco.com.
  • 1% Cash Back on all other purchases.
  • 18.99% VariableLearn more
    Chase Freedom Flex℠
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1% Cash Back on all other purchases.
  • 18.74% - 27.49% VariableLearn more
    Citi Double Cash
    4.55
    Cash Back, No Annual Fee, Daily use
  • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • 17.74% - 27.74% VariableLearn more
    Discover Bank Discover it® Cash Back
    4.96
    Cash Back, 0 APR, No Annual Fee, Young couples, Daily use
  • 5% On everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate (on up to $1,500 in purchases each quarter, then 1%).
  • 1% Cash Back on all other purchases.
  • 13.49% - 24.49% VariableLearn more
    Discover Bank Discover it® Secured
    3.98
    Cash Back, No Annual Fee, Young couples, For bad credit
  • 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter.
  • 1% Cash Back on all other purchases.
  • 25.24% VariableLearn more
    Hilton Honors American Express Card
    3.12
    No Annual Fee
  • 7x Points on hotels & resorts. For eligible purchases at hotels and resorts in the Hilton portfolio.
  • 5x Points on dining at U.S. restaurants.
  • 5x Points on groceries at U.S. supermarkets.
  • 5x Points on Gas at U.S. gas stations.
  • 3x Points per dollar spent on all other eligible purchases.
  • 19.49% - 28.49% VariableLearn more
    Hilton Honors American Express Surpass® Card
    2.53
    Honeymoon
  • 12x Points on hotels and resorts. For eligible purchases at hotels and resorts in the Hilton portfolio.
  • 6x Points on dining at U.S. restaurants, including takeout and delivery.
  • 6x Points on groceries at U.S. supermarkets.
  • 6x Points on gas at U.S. gas stations.
  • 3x Points on other eligible purchases.
  • 19.49% - 28.49% VariableLearn more
    PNC Cash Rewards® Visa®
    5
    Gas
  • 4% Cash Back on gas station purchases (for the first $8,000 in combined purchases).
  • 3% Cash Back on dining purchases at restaurants, including fast food (for the first $8,000 in combined purchases).
  • 2% Cash Back on grocery store purchases (for the first $8,000 in combined purchases).
  • 1% Cash Back on all other purchases.
  • 16.24% - 27.24% VariableLearn more
    Synchrony Bank Sam’s Club® Mastercard®
    3.09
    Gas
  • 5% Cash Back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).
  • 3% Cash Back on Sam’s Club purchases for Plus members. Club members earn 1% Cash Back.
  • 3% Cash Back on dining and takeout.
  • 1% Cash Back on other purchases at Sam's Club and wherever Mastercard is accepted.
  • 17.90% - 25.90% VariableLearn more
    Citi Shell Fuel Rewards® Mastercard®
    2.71
    Gas
  • 10% Shell rebates on your first $1,200 Shell non-fuel purchases per year.
  • 2% Shell rebates on your first $10,000 Dining and Grocery purchases per year.
  • 1% Earn 1% Shell rebates on other qualifying purchases.
  • 28.74% VariableLearn more

    Who should apply for gas credit cards

    American Express Blue Cash Preferred

    This card is a great choice for people who regularly fill up on gas. Likewise, it is good for those who have high spending in the 6% cash back earning bonus categories.

    Read more about American Express Blue Cash Preferred

    Bank of America Cash Rewards

    If you spend heavily on gas only in particular months, this card would be a great option. For the rest of the year, you can pick other bonus categories that will earn you the 3% cash back. This card can bring even more value to Preferred Rewards members, who'll earn 25% - 75% more cash back on each purchase.

    Read more about Bank of America Cash Rewards

    Citi Premier®

    If you often spend on the card's many bonus categories, then you'll get good value from it. It's also a nice choice for travelers who don't want to commit to a specific airline.

    Read more about Citi Premier®

    Pentagon Federal Credit Union Platinum Rewards Visa® Signature

    Those looking for a card specifically for earning rewards on gas should consider the PenFed Platinum Rewards Visa® Signature. They'll earn 5x points on gas plus 3x points on groceries without having to worry about an annual fee.

    Read more about Pentagon Federal Credit Union Platinum Rewards Visa® Signature

    Citi Costco Anywhere Visa®

    This card would make the most sense for those who already have a Costco membership and often shop there since the rewards can mostly be redeemed at Costco.

    Read more about Citi Costco Anywhere Visa®

    Chase Freedom Flex℠

    Those who spend in multiple categories and want versatile rewards will find the Chase​ Freedom Flex℠ a good fit.

    Read more about Chase Freedom Flex℠

    Citi Double Cash

    If you want a straightforward credit card that'll earn you rewards on every purchase and for no annual fee, look no further!

    Read more about Citi Double Cash

    Discover Bank Discover it® Cash Back

    The Discover it® Cash Back can greatly benefit those who are ready to put in the effort in order to earn valuable rewards. By tracking the quarterly rotating categories and spending accordingly, you'll be in for great rewards.

    Read more about Discover Bank Discover it® Cash Back

    Discover Bank Discover it® Secured

    If you're looking to build your credit while also earning solid rewards on gas, the Discover it® Secured might be the right one for you.

    Read more about Discover Bank Discover it® Secured

    Hilton Honors American Express Card

    Anyone who enjoys staying at the Hilton family hotels and wants to enhance their stays but not enough to justify the cost of an annual fee should consider the Hilton Honors American Express®.

    Read more about Hilton Honors American Express Card

    Hilton Honors American Express Surpass® Card

    If you're willing to pay an annual fee to enjoy some extra benefits at the Hilton properties, the Hilton Honors Surpass® American Express® Card is a good choice.

    Read more about Hilton Honors American Express Surpass® Card

    PNC Cash Rewards® Visa®

    The PNC Cash Rewards® Visa® credit card is a good fit for anyone who wants a laid back, no-annual-fee credit card that earns solid rewards in a variety of popular spending categories.

    Read more about PNC Cash Rewards® Visa®

    Synchrony Bank Sam’s Club® Mastercard®

    The Sam’s Club® Mastercard® is for people who frequently shop at Sam's Club since the rewards can only be redeemed there.

    Read more about Synchrony Bank Sam’s Club® Mastercard®

    Citi Shell Fuel Rewards® Mastercard®

    If you're loyal to the Shell gas stations, the Shell Fuel Rewards® Mastercard® will make a great addition to your wallet.

    Read more about Citi Shell Fuel Rewards® Mastercard®

    How do gas credit cards work?

    With a gas credit card, you'll earn rewards on your gas purchases that you can later redeem in various ways, depending on the card. With the Citi Premier® you have several redemption options including gift cards and travel, while the Sam’s Club® Mastercard® only lets you redeem rewards at Sam's Club only.

    Types of gas credit cards

    Standard, multi-purpose credit cards with gas rewards

    Standard, multi-purpose credit cards are those on a major payment network (Mastercard, Visa, American Express) that earn rewards on gas purchases at any gas station. Some might have gas stations as a bonus category, like the Blue Cash Preferred from American Express (3% cash back at U.S. gas stations), or some with a good flat-rate on all purchases, like the no-annual-fee Double Cash Citi (2% cash back on all purchases).

    Co-branded gas credit cards

    Co-branded gas credit cards are those offered by a certain gas station (like Amoco, Shell or BP) that also pertain to a traditional credit card network (like Mastercard or Visa). These fuel credit cards usually earn gas rewards at a specific gas station.

    If you're someone who is loyal to a particular gas station, it might make sense to get a co-branded card like the Shell Fuel Rewards® Mastercard®. Otherwise, you'd be better off with a standard credit card that earns gas rewards at all fuel stations.

    Private label gas credit cards

    These types of credit cards are issued by stores and are not part of a credit card network. So, they can only be used at the gas stations that belong to that particular brand. Store-branded cards are usually a good option for those people with a not-so-good credit score that are not able to qualify for a co-branded or multi-purpose credit card.

    Pros and cons of gas credit cards

    Pros: Cons:
    Rewards. Gas credit cards offer valuable rewards for gas purchases. Thus, depending on your gas spending, you might be able to save up to hundreds of dollars. Caps on rewards. Unfortunately, the higher rewards rates for gas usually have a spending limit per certain time period (quarterly or annually).
    Additional benefits. Many gas rewards credit cards also come with other attractive features like rewards in other categories, no annual fee, sign-up bonus, intro APR periods and more. High interest rates. As is generally the case with cash back credit cards, they come with considerably high interest rates, so you have to be careful with carrying a balance.
    Convenience. It's simple and convenient to pay for gas with your personal gas card.

    How to choose the best gas credit card

    How much do you spend on gas?

    If you spend heavily on gas, then you should consider getting a credit card specifically for gas purchases with a high rewards rate in this category. The Sam’s Club® Mastercard® earns you 5% cash back on gas purchases, one of the highest gas rewards rates on the market. If your gas spending varies and your budget is more evenly distributed, then maybe a card with quarterly rotating categories, like the Chase Freedom Flex℠ might be a better choice. Or the Bank of America Cash Rewards that lets you choose your 3% cash back bonus category each month.

    Are you loyal to a particular gas station?

    Do you always purchase gas at the same gas station brand, or whichever is near you? If you have a favorite brand, then you might be better off getting a co-branded card like the Shell Fuel Rewards® Mastercard®. But if not, then get a card that earns you rewards at every gas station regardless of the brand.

    What other features are important to you?

    If you're annual-fee averse and prefer not to worry whether your rewards will offset the fee, look into cards that come at no annual cost, like the Discover it® Cash Back. If you're looking to earn a generous welcome bonus, consider cards like the Citi Double Cash or the PNC Cash Rewards® Visa® (both come with a $200 one-time bonus). If you also want to finance a big purchase interest-free or maybe transfer a high-interest balance, check out cards like the Chase Freedom Flex℠, which comes with a 15-month 0% APR offer on both balance transfers and purchases (a variable APR of 18.74% - 27.49% thereafter).

    What is your credit score?

    Note that to qualify for the cards with the best gas rewards you'll most likely need a good-to-excellent credit score. If you have less than that, maybe first get a card like Discover it® Secured (2% at gas stations and restaurants on up to $1,000 spent in combined purchases quarterly). After (re)building your credit, you can apply for a gas card with better rewards and features.

    How to make the most of your gas credit card

    • Make the right choice. Before you apply for a gas card, do your homework. Check the previous section for advice on how to choose the right one.
    • Swipe, swipe, swipe. Whenever you go to fill your tank, don't forget to take your credit card with you. That's the only way to ensure you'll get the best gas rewards.
    • Sign up for a fuel rewards program. Many gas stations have loyalty rewards programs that might get you additional savings. Some popular ones are BPme: BP and Amoco Gas Rewards, and the Shell Fuel Rewards gas loyalty program.

    Which gas station has the best rewards program?

    This will depend on where you live or commute. It’s always smart to sign up for the loyalty program of the gas station that's closest to you. However, bear in mind that you don't really have to remain loyal to one gas station brand, as you can sign up for several fuel rewards loyalty programs.

    FAQ

    Is a gas credit card worth it?

    Those who spend heavily on gas can greatly benefit from a gas credit card. If you're a more modest gas spender, get a card that also offers rewards in other categories.

    What credit score do I need for a gas card?

    For the best gas credit cards, you'll need a good-to-excellent credit score. However, there are some cards like Discover it® Secured that are designed for people with bad credit. Another option are private label gas credit cards.

    What is the easiest gas credit card to get approved for?

    Out of the cards on our list, the easiest one to get is the Discover it® Secured credit card. You can qualify with a poor or no credit score if you provide the refundable security deposit (minimum $200).

    Is there a credit card for gas purchases only?

    Yes, some of these are the Shell Fuel Rewards® Mastercard®, the Chevron and Texaco Gas Card and many other gas credit cards. You can only use them at the associated gas station where you'll receive rewards or discounts on gas.

    Can I get a gasoline card with no credit?

    If you have no credit the best option might be a private label gas card.

    What are the best gas credit cards for bad credit with instant approval?

    Unfortunately, there's no credit card that guarantees approval. However, with some cards you can check whether you pre-qualify without affecting your credit score. One of these is the Discover it® Secured Credit Card.

    Do gas cards help you build credit?

    If you use them responsibly and make timely payments, then yes, gas cards will help you build credit.

    What are the best gas cards for fair credit?

    Some decent gas cards for people with fair credit are the Credit One® Bank Platinum X5 Visa® (5% cash back on the first $5,000 of gas, groceries, internet, cable, satellite, TV and mobile phone purchases per year, 1% thereafter) and the Capital One QuicksilverOne Cash Rewards credit card (1.5% cash back on every purchase).

    Is there a gas card for business?

    All the cards on our list are gas cards for personal use, but there are gas cards for businesses as well. One such card is the Shell Small Business Card which will save you up to 6 cents per gallon.
    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us