Best Gas Credit Cards

Comparing the best gas credit cards

A closer look at the top gas credit cards

Wells Fargo Autograph℠ Card

Rewards rate: Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.

Intro APR: 0% intro APR for 12 months on purchases.

Regular APR: 20.24%, 25.24%, or 29.99%, variable APR.

Signup bonus: Get 20,000 bonus points when you spend $1,000 in purchases within the first three months – equivalent to a $200 cash redemption value.

Our verdict: The Wells Fargo Autograph℠ Card emerges as a top choice for individuals who prioritize gas expenses in their monthly budget. With its impressive 3X points on dining, travel, gas stations, transit, popular streaming services, and phone plans, cardholders can enjoy triple rewards for every dollar spent on fuel. The alluring 20,000 bonus points for a $1,000 spend in the first three months further sweeten the deal, providing a compelling incentive for gas purchases. Coupled with no annual fee and flexible redemption options, this card is a well-rounded and rewarding option for those seeking to maximize savings and benefits on their frequent gas expenditures.

Best suited for: The everyday spender

Pros:

• Earn 3X points on restaurants, travel, gas stations, transit, streaming, and phone plans.
• Get a 20,000 bonus points welcome offer with a $1,000 spend in the first 3 months.
• Enjoy a 0% intro APR on purchases for 12 months.
• No annual fee and cell phone protection up to $600.
• Flexible rewards redemption options, including travel, gift cards, statement credits, and PayPal.
• Access premium benefits at select hotels with Visa Signature Concierge.

Cons:

• Variable APR of 19.99%, 24.99%, or 29.99% after the introductory period.
• Limited rewards rate applies to specific spending categories.

Apply now: Wells Fargo Autograph℠ Card

Citi Custom Cash℠ Card

Rewards rate: 5% cash back on purchases in the top eligible spend category each billing cycle, up to the first $500 spent (then 1%); unlimited 1% cash back on all other purchases.

Intro APR: 0% APR on balance transfers and purchases for the first 15 months.

Regular APR: 19.24%-29.24% variable.

Signup bonus: Earn $200 cash back after spending $1,500 on purchases in the first 6 months.

Our verdict: The Citi Custom Cash℠ Card is a fantastic option for those with significant monthly gas expenses. With an automatic 5% cash back on up to $500 spent (then 1%) in the highest eligible spending category each month, including gas stations, you can earn up to $25 cash back monthly on $500 gas spending. However, remember that you’ll only earn 1% on other purchases, so prioritizing gas expenses will maximize rewards. Additionally, you will enjoy a $200 cash back bonus after spending $1,500 on purchases within the first six months, all with no annual fee.

Best suited for: Always on the road

Pros:

• 5% cash back on top eligible spend category, up to the first $500 spent (then 1%).
• Unlimited 1% cash back on all other purchases.
• $200 cash back welcome bonus after spending $1,500 in the first 6 months.
• No annual fee.
• Flexible rewards categories, including gas stations, restaurants, grocery stores, and more.
• Introductory 0% APR for 15 months on balance transfers and purchases.
• Automatically adjusts 5% bonus category to your highest spending category each month.

Cons:

• 5% cash back limited to first $500 spent in top category.
• 3% foreign transaction fee.

Apply now: Citi Custom Cash℠ Card

Learn more: Citi Custom CashSM Card Review

Blue Cash Preferred® Card from American Express

Rewards rate: 6% Cash Back at U.S. supermarkets on up to $6,000 per year (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases.

Intro APR: 0% intro APR on purchases and balance transfers for 15 months (then 19.24% to 29.99% variable APR).

Regular APR: 19.24% to 29.99% variable.

Signup bonus: Earn a $250 statement credit after spending $3,000 in purchases within the first 6 months.

Our verdict: The Blue Cash Preferred® Card from American Express is an attractive option for fee-averse families. With up to 6% cash back on essential spending categories like supermarkets, streaming subscriptions, and gas stations, users can save significantly on daily expenses. The generous welcome offer and 0% intro APR on purchases and balance transfers for 15 months add extra value. Although the $95 annual fee applies after the first year, the card’s rewards potential and perks make it a rewarding choice for families seeking to maximize cash back benefits.

Best suited for: Pantry stocker

Pros:

• Earns 6% cash back at U.S. supermarkets and select U.S. streaming subscriptions.
• 3% cash back on U.S. gas stations and transit.
• 0% intro APR on purchases and balance transfers for 15 months.
• Strong $250 statement credit welcome offer.
• No annual fee for the first year.
• The Disney Bundle subscription enrolment offers additional savings.

Cons:

• $6,000 annual spending cap on 6% cash back at supermarkets.
• $95 annual fee from the second year onward.

Apply now: Blue Cash Preferred® Card from American Express

Learn more: Blue Cash Preferred Card from American Express Review

Bank of America® Customized Cash Rewards credit card

Rewards rate: 3% cash back in your chosen category (up to $2,500 in combined quarterly purchases), 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined quarterly purchases), 1% cash back on all other purchases.

Intro APR: 0% intro APR for 18 billing cycles on purchases and balance transfers made within the first 60 days.

Regular APR: 18.24% to 28.24% variable.

Signup bonus: $200 online cash rewards bonus after spending $1,000 in the first 90 days.

Our verdict: The Bank of America® Customized Cash Rewards credit card offers flexible cash back rewards, with the ability to choose your preferred category. Although the spending cap on bonus rewards may limit larger households, this card provides a rewarding experience for Bank of America® customers, especially those who qualify for Preferred Rewards.

Best suited for: The flexible spender

Pros:

• No annual fee and no expiration on rewards.
• Choose your preferred 3% cash back category each month.
• Earn 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined quarterly purchases).
• Preferred Rewards members can earn 25%-75% more cash back.
• 0% intro APR for 18 billing cycles on purchases and balance transfers.
• Contactless cards for convenient tap-to-pay.

Cons:

• Complicated spending cap on 3% and 2% rewards may limit larger households.
• Earning more than 3% cash back requires loyalty to Bank of America® and qualification for Preferred Rewards.

Apply now: Bank of America® Customized Cash Rewards credit card

Learn more: Bank of America Customized Cash Rewards Card Review

Costco Anywhere Visa® Card by Citi

Rewards rate: 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year, then 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com, 1% cash back on all other purchases.

Intro APR: No offer.

Regular APR: 20.49% (Variable).

Signup bonus: Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members.

Our verdict: The Costco Anywhere Visa® Card by Citi offers excellent rewards for Costco members, especially on gas and restaurant purchases. It’s a valuable tool for those who frequently shop at Costco and enjoy the added benefit of no annual fee with their paid Costco membership.

Best suited for: The flexible spender

Pros:

• 4% cash back on eligible gas and EV purchases (up to $7,000 per year).
• 3% back at restaurants and on eligible travel purchases.
• 2% back on in-store and online Costco purchases.
• No annual fee with a paid Costco membership.
• Purchase protection.

Cons:

• Doesn’t make sense if you’re not a Costco shopper.
• Cash back can only be redeemed in the form of a reward certificate.

Apply now: Costco Anywhere Visa® Card by Citi

Learn more: Costco Anywhere Visa Card by Citi Review

Sam’s Club Mastercard

Rewards rate: Earn 5% cash back on up to the first $6,000 spent each year at gas stations in the U.S., then 1% after the cap. Earn 3% cash back on dining and takeout, and 1% cash back on all other eligible purchases.

Intro APR: N/A

Regular APR: 20.90% – 28.90% Variable

Signup bonus: N/A

Our verdict: The Sam’s Club® Mastercard® is a great choice for Sam’s Club members, offering 5% cash back on gas at both Sam’s Club and non-Sam’s Club stations (up to $6,000/year). However, it lacks some standard rewards card perks like a large welcome bonus or 0% introductory APR.

Best suited for: Foodie

Pros:

• 5% cash back on gas at Sam’s Club and non-Sam’s Club stations (up to $6,000/year).
• 3% cash back on dining and takeout.
• No annual fee for cardholders.
• Plus members can earn up to 5% rewards on eligible purchases.

Cons:

• No intro APR or large welcome bonus.
• Cash back limitations after reaching the annual spending cap.

Apply now: Sam’s Club Mastercard

Types of gas credit cards

Gas credit cards come in various types, each with unique benefits. Let’s explore them to find your ideal match.

1. Closed-loop gas cards

Closed-loop gas cards are specific to a particular gas station or a chain of affiliated stations. They often offer higher rewards and discounts when used exclusively at their designated stations. However, the limited acceptance can be a drawback for those seeking versatility in their fuel purchases.

2. Co-branded gas cards

Co-branded gas cards are issued by major credit card companies in partnership with specific gas stations. These cards offer rewards not only on gas purchases but also on other everyday expenses. They provide more flexibility in fuel choices and are accepted at a broader range of locations.

3. Regular rewards credit cards

Regular rewards credit cards, though not exclusively designed for gas purchases, can still offer valuable benefits. These cards often provide cashback, points, or miles on various spending categories, including gas. While they may not have the highest gas-specific rewards, they offer more versatility in earning rewards on other purchases.

Compare: Best Rewards Credit Cards

How to choose a gas credit card?

When selecting a gas credit card, consider the following factors:

1. Rewards structure: Look for cards that offer competitive rewards specifically for gas purchases. Calculate potential savings based on your typical fuel expenditure.

2. Brand flexibility: Determine whether you prefer a closed-loop or co-branded card. Closed-loop cards may offer higher rewards at specific gas stations, while co-branded cards provide more options.

3. Additional benefits: Check for extra perks like discounts on groceries or other rewards that align with your spending habits.

4. Interest rates and fees: Compare APRs, annual fees, and other charges to ensure you are getting the best overall value.

How to apply for a gas credit card?

Follow these simple steps –

1. Research: Explore different gas credit cards and their respective rewards programs.

2. Eligibility: Check the card’s eligibility criteria to see if you meet the requirements.

3. Application process: Apply online by filling out the necessary information, including personal details, income, and employment status.

4. Credit check: Be prepared for a credit check that determines your creditworthiness.

5. Submission: Submit the application and await approval.

How to use a gas credit card?

1. Identify affiliated stations: For closed-loop cards, find affiliated gas stations offering the best rewards.

2. Swipe or insert: At the pump or inside the station, swipe or insert your card.

3. PIN or signature: Follow the prompts to enter your PIN or provide a signature.

4. Earn rewards: Enjoy earning rewards on your gas purchases, accumulating points, cashback, or miles.

5. Payment: Ensure timely payment of your credit card bills to avoid interest and maintain a good credit score.

Related: How Does a Gas Credit Card Work?

Are gas credit cards worth it?

Gas credit cards can be worth it if:

• You have a daily commute or frequently drive long distances.
• The card offers high rewards on gas purchases and aligns with your preferred gas stations.
• You can pay off the balance each month to avoid interest charges.
• The card provides additional benefits, such as discounts on groceries or rewards on other spending categories.

However, if you don’t drive often or the card’s rewards structure doesn’t fit your lifestyle, a regular rewards credit card might be a more suitable option.

What credit score is needed for a gas card?

To qualify for a gas credit card, you generally need a credit score ranging from 580 to 850, reflecting fair to excellent credit. However, specific requirements vary among issuers and card types. Higher credit scores increase your chances of securing premium gas cards with superior rewards and benefits.

Related: Best Gas Cards for Bad Credit

Methodology

Our analysis of the best gas credit cards is based on several key factors, including rewards structure, interest rates, annual fees, additional perks, and customer reviews. We meticulously evaluate each card’s suitability for different spending patterns and fuel preferences. By considering these factors, we aim to provide you with a well-rounded selection of gas credit cards to help you make an informed decision and maximize your savings at the pump.

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you visit the respective card’s website before proceeding.

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