Short Review of Best Gas Cards
|Name||Best for||Rewards Rate||APR||Apply|
American Express Blue Cash Preferred |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.||18.99% - 29.99% Variable||Learn more|
Bank of America Cash Rewards |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.||18.24% - 28.24% Variable||Learn more|
|Travel||3x Points per dollar on restaurant, supermarket, gas station, hotel and air travel purchases.1x Points on all other purchases.||20.99% - 28.99% Variable||Learn more|
Pentagon Federal Credit Union Platinum Rewards Visa® Signature |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% Variable||Learn more|
Citi Costco Anywhere Visa® |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.||20.24% Variable||Learn more|
|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.||19.24% - 27.99% Variable||Learn more|
|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.||18.99% - 28.99% Variable||Learn more|
Discover Bank Discover it® Cash Back |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.||16.74% - 27.74% Variable||Learn more|
Discover Bank Discover it® Secured |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.||27.74% Variable||Learn more|
Hilton Honors American Express Card |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.||20.74% - 29.74% Variable||Learn more|
Hilton Honors American Express Surpass® Card |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.||20.74% - 29.74% Variable||Learn more|
|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.||18.74% - 29.74% Variable||Learn more|
Synchrony Bank Sam’s Club® Mastercard® |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.||19.40% - 27.40% Variable||Learn more|
Citi Shell Fuel Rewards® Mastercard® |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.||31.24% Variable||Learn 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
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
|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 19.24% - 27.99% 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.
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.