Best for everyday spending

Apply now
On Citi's secure site
Terms Apply
Rewards rate
  • 2X Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
  • 1X Earn 1X ThankYou® Points on All Other Purchases.
Intro bonus
20,000 points 
Annual fee
$0
Regular APR
13.49% - 23.49% (Variable)
Recommended credit
Good to Excellent (670 - 850)

Best wholesale club card

Apply now
On Synchrony Bank's secure site
Terms Apply
Rewards rate
  • 5% 5% cash back on gas anywhere (up to $6,000)
  • 5% Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
  • 3% 3% cash back on dining and takeout
  • 1% 1% cash back on all other eligible purchases.
Intro bonus
N/A
Annual fee
No Annual Fee
Regular APR
15.65% or 23.65% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On American Express's secure site
See Rates & Fees, Terms Apply
Rewards rate
  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% 6% Cash Back on select U.S. streaming subscriptions.
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases
Intro bonus
$300 
Annual fee
$0 introductory annual fee for the first year, then $95.
Regular APR
13.99%-23.99% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On American Express's secure site
See Rates & Fees, Terms Apply
Rewards rate
  • 3% 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% 1% Cash Back on other purchases.
Intro bonus
$200 
Annual fee
$0
Regular APR
13.99%-23.99% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Bank of America's secure site
Terms Apply
Rewards rate
  • 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 1% Earn unlimited 1% on all other purchases.
Intro bonus
$200 
Annual fee
$0
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
Recommended credit
Good to Excellent (670 - 850)

Best for first year cash back match

Apply now
On Discover's secure site
See Rates & Fees, Terms Apply
Rewards rate
  • 2% Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.
Intro bonus
Cashback Match™ 
Annual fee
$0
Regular APR
11.99% - 22.99% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Pentagon FCU's secure site
Terms Apply
Rewards rate
  • 5X Earn 5x points for gas purchases at the pump and electric vehicle charging stations
  • 3X Earn 3x points for supermarket purchases, restaurants/dining, and cable, satellite and other television/radio/streaming services
  • 1X Earn 1x point on all other purchases
Intro bonus
15,000 Points 
Annual fee
$0
Regular APR
13.49% - 17.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Comparing Bankrate’s top gas credit cards

Card Name Best for Bankrate Review Score
Citi Rewards+® Card Everyday spending 3.2 / 5
(Read full card review)
Sam’s Club® Mastercard® Wholesale club card 3.7 / 5
(Read full card review)
Blue Cash Preferred® Card from American Express Gas and groceries 4.0 / 5
(Read full card review)
Blue Everyday® Card from American Express No annual fees 3.9 / 5
(Read full card review)
Bank of America® Customized Cash Rewards credit card Sign-up bonus 4.0 / 5
(Read full card review)
Discover it® chrome First-year cash back match 3.9 / 5
(Read full card review)
PenFed Platinum Rewards Visa Signature® Card Best credit union rewards N/A
Review Coming Soon

A closer look at our list of best gas credit cards

Citi Rewards+® Card

Best for everyday spending

  • This card is a good fit for: Everyday shoppers who want to earn travel rewards.
  • This card is not a great choice for: Those who want the option to transfer rewards to travel partners.
  • What makes this card unique? At first glance, the rewards structure seems pretty standard. However, there’s an interesting and valuable bonus: The rewards you earn from every purchase will be rounded up to the nearest ten points. So, a $12 lunch order would earn 20 ThankYou points.
  • Is the Citi Rewards+® Card worth it? You’ll earn a Limited Time offer, earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Compared to other rewards cards, this offer is just okay. However, the annual bonus of 10 percent points back on the first 100,000 points you redeem is potentially much more valuable because you can earn it every year.

Read our Citi Rewards+® Card review.
Jump back to offer details.

Sam’s Club® Mastercard®

Best wholesale club card

  • This card is a good fit for: Sam’s Club members who want to earn rewards on the everyday essentials.
  • This card is not a great choice for: Someone who isn’t sold on a Sam’s Club membership — You’ll need one to get the card.
  • What makes this card unique? Instead of rewarding you for purchases at Sam’s Club, this card rewards you for everyday purchases like gas and restaurant dining.
  • Is the Sam’s Club® Mastercard® worth it? If the idea of your gas station fill-ups and restaurant meals earning rewards that you can use at Sam’s Club appeals to you, you’re bound to find value in this card.

Read our Sam’s Club® Mastercard® review.
Jump back to offer details.

Blue Cash Preferred® Card from American Express

Best for gas and groceries

  • This card is a good fit for: Someone with a moderate to large grocery budget.
  • This card is not a great choice for: Those who buy groceries at superstores like Walmart, Target or Costco, which are ineligible for the U.S. supermarket cash back category.
  • What makes this card unique? A cash back rate of 6 percent is stellar, especially when it’s attached to a rewards category as valuable as U.S. supermarkets (6 percent on up to $6,000 on purchases at U.S. supermarkets per year, then 1 percent).
  • Is the Blue Cash Preferred worth it? In exchange for the excellent cash back rate, you have to pay a $95 annual fee ($0 introductory annual fee for the first year). To come out ahead (earn at least $95 in cash back), you would have to spend more than $1,584 at U.S. supermarkets (1,584 x .06 = 95.04). Split equally throughout a year, that’s about $33 per week. That’s excluding additional cash back you might earn by spending in the card’s other bonus categories.

Read our Blue Cash Preferred® Card from American Express review.
Jump back to offer details.

Blue Cash Everyday® Card from American Express

Best for no annual fee

  • This card is a good fit for: Those who want to earn rewards on everyday purchases without paying an annual fee.
  • This card is not a great choice for: Someone who does their grocery shopping at Target, Walmart or wholesale clubs. The U.S. supermarkets cash back category does not include superstores or wholesale clubs.
  • What makes this card unique? In addition to U.S. supermarkets and U.S. gas stations, there’s a more rare bonus category: select U.S. department stores. For families, this trio of bonus categories can be valuable.
  • Is the Blue Cash Everyday worth it? If gas and groceries are recurring expenses for you, this card is worth having — especially since it has no annual fee.

Read our Blue Cash Everyday® Card from American Express review.
Jump back to offer details.

Bank of America® Customized Cash Rewards credit card

Best for sign-up bonus

  • This card is a good fit for: Someone who wants a variety of bonus category options.
  • This card is not a great choice for: Someone looking for a hands-off rewards card. If remembering which bonus category you’ve selected sounds bothersome, you might enjoy a card with fixed bonus categories.
  • What makes this card unique? The ability to choose and change your bonus cash back category allows for a flexible rewards strategy and room for your credit card portfolio to grow.
  • Is the Bank of America® Customized Cash Rewards credit card worth it? The one potential sticking point in terms of value is the spending cap on the bonus categories — $2,500 in combined choice category and grocery store/wholesale club purchases each quarter, then 1 percent. However, between gas and groceries, a $2,500 quarterly limit is pretty generous — Most people are unlikely to find the spending caps to be value-limiting.

Read our Bank of America® Customized Cash Rewards credit card review.
Jump back to offer details.

Discover it® chrome

Best for first-year cash back match

  • This card is a good fit for: Someone who wants to earn rewards on both restaurant and gas station purchases.
  • This card is not a good choice for: Someone seeking a traditional sign-up bonus.
  • What makes this card unique? Discover’s Cashback Match can offer even more value than a traditional sign-up bonus if you’re willing to wait. Discover will automatically match all of the cash back you’ve earned at the end of your first year. So if you earn $300 over the course of your first year, you’ll automatically receive another $300.
  • Is the Discover it® chrome worth it? If you drive and dine out often and you want an easy cash back card, then the Discover it chrome card may be a worthwhile pick. However, you can find better rewards rates for gas, even among other no-annual-fee cards.

Read our Discover it® chrome review.
Jump back to offer details.

PenFed Platinum Rewards Visa Signature® Card

Best credit union rewards card

  • This card is a good fit for: Frugal spenders who want to be rewarded for budget staples like gas, dining out, and supermarket purchases.
  • This card is not a great choice for: Someone who isn’t interested in becoming a member of PenFed Credit Union. Also, those looking for cash back should look elsewhere — redemption options are limited to travel, gift cards, and shopping.
  • What makes this card unique? In addition to gas purchases, this card also offers bonus points at electric vehicle charging stations.
  • Is the PenFed Platinum Rewards Visa Signature® Card worth it? You’ll have to be a member of PenFed’s credit union to apply, but the rewards potential could make membership worth considering. Rewards are unlimited, and in the gas-at-the-pump category alone, spending $200 a month would earn 1,000 monthly reward points.

Review for the PenFed Platinum Rewards Visa Signature® Card coming soon.
Jump back to offer details.

What is a gas credit card?

With a gas credit card, you’ll earn points, cash back or miles when you spend at the pump. Most tend to be no annual fee cards that accept fair to good credit, but not all.

Gas credit cards come in a variety of forms. Some are high-earning rewards cards while others can help people with bad credit save at the pump. Further understanding the types of cards makes your decision on whether or not to carry a gas credit card easier.

Types of gas credit cards

The two main types of gas credit cards are co-branded and general-purpose. They each have their benefits, but we like general-purpose gas rewards cards because they’re more versatile.

General-purpose gas credit cards

These traditional options are simply credit cards that offer bonus rewards at gas stations. For example, the Citi Rewards+ Card offers 2X points at supermarkets and gas stations (up to $6,000 per year, then 1X). Gas credit cards, just like all other credit cards, can be either flat-rate or have rotating bonus categories.

Loyalty gas cards

Loyalty gas cards, or cards distributed by specific gas stations to promote loyalty (such as BP, Speedway or Chevron), allow cardholders to earn credits for gas and receive discounts on fuel.

We recommend general-purpose gas rewards credit cards over loyalty cards — you’ll be able to earn rewards at any gas station, rather than one specific branded station. Also, your savings might be limited due to the ebb and flow of gas prices at your particular loyalty station.

Bankrate Insight
Some loyalty programs, such as BPme, allow you to connect your debit or credit card to their app to earn points. This essentially allows you to utilize a general-purpose rewards card as a loyalty card as well. You can learn more in our guide to gas rewards programs about how these loyalty offers stack up.

Pros and cons of gas rewards cards

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

Pros

  • Plenty of no-annual-fee options
  • Most offer rewards in additional categories, like dining or groceries
  • Available to people with a wide range of credit qualities

Cons

  • Gas rewards cards tied to a particular brand may be inconvenient
  • Few options to earn rewards on electric vehicle charging
  • Gas isn’t the largest component of most people’s budgets

Who should get a gas credit card?

If you drive a vehicle that runs on gasoline, you’ll benefit from a gas credit card — it’s as simple as that. The average American spends $2,094 annually on gasoline, other fuels and motor oil, according to the Bureau of Labor Statistics’ 2019 Consumer Expenditures Report. Charged on a credit card that earns 3 percent cash back on gas, those expenses would amount to an annual rewards haul of $62.82. While that’s not a staggering sum, you can think of it as a free fill-up or two.

Gas credit cards are ideal cards for individuals who commute long distances, frequently run errands, love to take road trips or have a busy family. With gas rewards cards, you can earn better-than-average rewards on fuel purchases and can better protect against skimmers, or machines that steal and store your card information, than debit cards.

How to choose a gas credit card

There are a variety of options when it comes to choosing a gas credit card. First and foremost, we recommend that you stick with the general-purpose gas rewards card that will earn you rewards at any gas station, no matter the brand.

Additionally, look for cards that offer no annual fee and perks for non-gas purchases. We’ve pulled together an example of two credit cards that we think would be good choices, using a sample budget of $175 per month for gas and $200 per month on general purchases.

Card Discover it® chrome Bank of America® Customized Cash Rewards credit card
Rewards structure 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases each quarter)

1% unlimited cash back on everything else

Earn 3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.
Spending example $175 * 12 months * 2% cash back = $42

$200 * 12 months * 1% cash back =$24

$175 * 12 months * 3% cash back = $63

$200 * 12 months * 1% cash back =$24

*In order to earn 3% cash back at the pump, you would have to select “gas stations” as your category of choice.

Annual fee $0 $0
Sign-up bonus Discover will match all the cash back you’ve earned at the end of your first year, automatically. $200 online cash rewards when you make at least $1,000 in purchases your first 90 days from account opening
First-year value $132
(including year-end match bonus)
$287
(including sign-up bonus)
Second-year value $66 $87

The bottom line

In this example, the Bank of America Customized Cash Rewards card offers a better value for both the first year and beyond. You can use this general process to compare any two gas credit cards.

How we selected our list of top gas cards

Credit cards featured on Bankrate.com receive a score based on a 5-point scoring system. With individual categories such as gas credit cards, the analysis focuses on specific features relevant to that type of card, including:

Rewards rate

The highest-rated credit cards for gas purchases typically earn cash back or rewards points at a rate of 2 percent, 3 percent or even 4 percent for every dollar you spend on fuel purchases.

Versatility

The best gas cards offer rewards not just for filling up your vehicle but also for other types of everyday purchases, such as groceries.

Affordability

A truly outstanding gas credit card puts value front and center, meaning that it charges no annual fee (or a minimal fee).


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Frequently Asked Questions

about the author
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit ...
about the editor
Mariah Ackary is a personal finance writer who specializes in credit card rewards and small business credit. Mariah is a lifelong writer, but she began writing about finance in 2018. She joined the Bankrate team in 2019, excited by the opportunity to directly help people make good financial decisions. Send your questions to mackary@bankrate.com ...

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.