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Best gas credit cards for March 2024

Updated March 05, 2024

Gas credit cards are a type of rewards card that can help you earn either cash back or points whenever you fill up at the pump. The best gas credit cards earn a higher rewards rate on gas purchases compared to other rewards cards, while also allowing for solid rewards in other common spending categories, such as groceries or dining. Here are some of the best credit cards for gas from our partners to help you decide how you want to earn more credit card rewards at the pump.

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2024 Bankrate Awards Winner
BEST FOR FLEXIBILITY
Rating: 4.3 stars out of 5
4.3
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on Bank of America's secure site
Good to Excellent (670 – 850)
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Recommended Credit
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Intro offer

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1% - 3%

Rewards rate

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Annual fee

Regular APR

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2024 Bankrate Awards Winner
BEST FOR GAS AND GROCERIES
Rating: 4.4 stars out of 5
4.4
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on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
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Recommended Credit
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Intro offer

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1% - 6%

Rewards rate

Info

Annual fee

Regular APR

Info
Best for everyday spending
Rating: 4 stars out of 5
4.0
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Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
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Recommended Credit
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Intro offer

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$200

Offer valuation

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1X - 5X

Rewards rate

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Annual fee

Regular APR

BEST FOR LOW APR
Rating: 4 stars out of 5
4.0
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Apply now Lock
on Discover's secure site
Good to Excellent (670 – 850)
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Recommended Credit

Intro offer

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1% - 2%

Rewards rate

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Annual fee

Regular APR

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2024 Bankrate Awards Winner
BEST FOR NO ANNUAL FEE
Rating: 4.6 stars out of 5
4.6
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Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
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Recommended Credit
Info

Intro offer

Info

1% - 3%

Rewards rate

Info

Annual fee

Regular APR

Compare Bankrate's top gas credit cards

Card Name Earns Best for Bankrate Review Score
3 percent cash back on select category purchases of choice; 2 percent cash back at grocery stores and wholesale clubs (up to $2,500 of combined 3 and 2 percent category purchases each quarter, then 1 percent), plus 1 percent on all other purchases

Flexibility

4.3 / 5

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(Read card review)
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on Bank of America's secure site

6 percent cash back on U.S. supermarket purchases (up to $6,000 per year, then 1 percent); 6 percent back on select U.S. streaming subscriptions; 3 percent back on U.S. gas station purchases; 3 percent cash back on transit; 1 percent back on all other purchases

Gas and groceries

4.4 / 5

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(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

2X points at supermarkets and gas stations (on up to $6,000 in purchases per year, then 1X points) and 1X points on all other purchases

Best for everyday spending

4.0 / 5

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(Read card review)
Apply now Lock
on Citi's secure site

2 percent cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter, then 1 percent) and 1 percent on all other purchases

Low APR

4.0 / 5

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(Read card review)
Apply now Lock
on Discover's secure site

3 percent cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases on up to $6,000 per calendar year in purchases in each category (then 1 percent), and 1 percent cash back on other purchases

No annual fees

4.6 / 5

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(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Image of Sam's Club® Mastercard®
Sam's Club® Mastercard®

5 percent cash back on gas (up to $6,000 per year, then 1 percent), 3 percent back on dining ($5,000 cash rewards maximum per year), and 1 percent cash back on all other eligible purchases.

Wholesale clubs

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What to know about gas credit cards

Like other rewards credit cards, gas cards can earn cash back or points at gas stations. But some of the best grocery cards and travel cards also earn rewards for spending at the pump, so any card that offers customized rewards or includes gas purchases in a bonus category can be your gas card.

Types of gas credit cards

The two main types of gas credit cards are co-branded and general-purpose. They both have their benefits, but general-purpose cards that include gas as a rewards category can be more versatile.

General-purpose gas cards are simply credit cards that offer bonus rewards at gas stations. These may come with rewards programs that offer cash back or points as you spend. Typically the best general-purpose credit cards include a range of rewards categories and give you the flexibility to maintain your spending habits without thinking about how to maximize your rewards strategy.

A great general-purpose gas credit card might also earn generously at U.S. supermarkets or at wholesale clubs. However, it’s rare that gas is the highest rewards tier. 

Some gas station chains have co-branded credit cards that allow cardholders to earn credits for gas and receive discounts on fuel when gas prices increase. While these cards can provide discounts on the price of a gallon, they usually don’t offer rewards for purchases outside of the gas station chain. Even so, some of these options and the gas loyalty rewards programs they’re part of can bring in a nice chunk of savings.

Gas rewards cards pros and cons

Like any type of rewards credit card, gas cards have their perks and drawbacks. Consider the following before you apply:

Pros

  • Checkmark

    Affordability: Plenty of gas cards available don’t charge annual fees.

  • Checkmark

    Additional rewards: Most gas cards offer rewards in other valuable categories like dining or groceries.

  • Checkmark

    Accessibility: Gas cards are available to people with many kinds of credit scores, so you can find a gas credit card with bad credit.

Cons

  • Loyalty cards lack flexibility: Gas rewards cards tied to a particular brand may be inconvenient if that gas station isn’t available everywhere you travel.

  • Not optimized for electric vehicles: Few gas cards earn rewards on electric vehicle charging.

  • Less utilized budget expense: Gas isn’t the largest component of most budgets, so getting a card solely for gas expenses could be pointless.

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Bankrate Insight

The average American spends $3,120 per year on gasoline, other fuels and motor oil, according to the Bureau of Labor Statistics' most recent Consumer Expenditures Report. Charged on a credit card that earns 3 percent cash back on gas, those expenses equal an annual rewards haul of $93.60. While that’s not a staggering sum, think of it as a couple of free tanks.

Expert advice on gas credit cards

Check out our expert advice on filling up the tank and rewards with a gas credit card to help you maximize your earnings.

  • Car Outline

    Review your current gas spending

    Gas credit cards are best for people who spend significantly at the pump. People who work from home or don’t drive often might not find value in earning cash back for gas station purchases. Using a gas card could help you earn some of the most significant rewards if you’re a commuter or you take frequent road trips.
    Outside of rewards on gas purchases, evaluate other major spending categories you’d like to earn in. Busy families with high grocery budgets or commuting professionals can apply for a gas credit card that also rewards these purchases.

  • Dollar Coin

    Check what counts as “gas” for earning rewards

    Read the fine print on the card’s gas category to make sure that you can earn on all gas station purchases everywhere — and not just on purchases at the pump. While you may spend the most while filling the tank, make sure you also get cash back when you run in to grab a snack or buy an energy drink.

    It’s important to check the fine print before you apply for a card to fully understand how you can earn on your gas purchases and read up on merchant category codes that earn cash back.

    For example, the Discover it® Chrome’s fine print states:

    Gas station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations. Gas stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible.

    And Bank of America says that the gas category for its Customized Cash Rewards credit card could include automated fuel dispensers; electric vehicle charging stations; fuel dealers for coal, fuel oil, liquefied petroleum and wood; marinas and marine service and supplies; and service stations with or without ancillary services.

    If you notice that your gas card isn’t earning rewards when you run into the attached convenience store for a snack or fill up at a wholesale club’s gas station, then check the category’s fine print or call the issuer for clarification.

  • Credit Card Cash Back

    Offset any annual fees

    While many gas cards don’t charge an annual fee, a few do. Cards with annual fees usually have better perks and benefits, but no-annual-fee cards are easier to justify.
    Here’s how much cash back two similar cards earn after annual fees, assuming you spend $2,000 per year on gas.

    Card Annual fee Gas rewards rate Cash back, minus annual fee
    Blue Cash Preferred $95 ($0 intro annual fee for the first year) 3 percent cash back -$35
    Blue Cash Everyday $0 3 percent back at U.S. supermarkets and U.S. gas stations (on up to $6,000 in spending per year, then 1 percent) $60

    When only accounting for purchases at U.S. gas stations, the no-annual-fee Blue Cash Everyday is a clear winner over the Blue Cash Preferred. But the Blue Cash Preferred earns much more on U.S. supermarket purchases than the Blue Cash Everyday. When you factor in U.S. supermarket purchases, the Blue Cash Preferred may be a much more attractive option, even with its annual fee.

    Check out this breakdown, which assumes you spend $4,000 per year at U.S. supermarkets and $2,000 per year at gas stations.

    Card Annual fee Rewards rate Gas and U.S. supermarket cash back, minus annual fee
    Blue Cash Preferred $95 ($0 intro annual fee for the first year)
    • 6 percent back at U.S. supermarkets (on up to $6,000 in spending per year, then 1 percent)
    • 3 percent cash back at U.S. gas stations
    $205
    Blue Cash Everyday $0
    • 3 percent back at U.S. supermarkets and U.S. gas stations (on up to $6,000 in spending per year, then 1 percent)
    $180

What type of spender are you? Our Credit Card Spender Type Tool gives you personalized credit card recommendations based on your credit score, spending habits and daily needs.

More information on gas credit cards

How we assess the best gas credit cards

Document
150+
cards rated
Congrats
50+
rewards programs valued
Search
1800
data points analyzed
Credit Card Reviews
40+
perks evaluated

When evaluating the best gas cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best gas cards.

Here are some of the key factors that we considered:

Frequently asked questions about gas credit cards