Best for everyday spending

Apply now
On Citi's secure site
Rewards rate
  • 5X For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
  • 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 offer
20,000 points 
Annual fee
$0
Regular APR
14.24% - 24.24% (Variable)
Recommended credit
Good to Excellent (670 - 850)

Best wholesale club card

Apply now
On Synchrony Bank's secure site
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 offer
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
See if you're pre‐approved for this card with CardMatch™
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 offer
$300 
Annual fee
$0 introductory annual fee for the first year, then $95.
Regular APR
14.74% - 24.74% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with CardMatch™
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.
  • 1% 1% Cash Back on other purchases.
Intro offer
$200 
Annual fee
$0
Regular APR
14.74%-24.74% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Bank of America's secure site
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 offer
$200 
Annual fee
$0
Regular APR
14.24% - 24.24% 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
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 offer
Cashback Match™ 
Annual fee
$0
Regular APR
12.24% - 23.24% Variable
Recommended credit
Good to Excellent (670 - 850)

Compare Bankrate’s top gas credit cards

Card Name Best for Bankrate Review Score
Citi Rewards+ Card Everyday spending 3.4 / 5
(Read full card review)
Sam’s Club Mastercard Wholesale club card 2.7 / 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 3.4 / 5
(Read full card review)
Bank of America Customized Cash Rewards credit card Sign-up bonus 4.2 / 5
(Read full card review)
Discover it chrome First-year cash back match 3.5 / 5
(Read full card review)
Platinum Rewards Visa Signature® Card Credit union rewards N/A
Review Coming Soon

A closer look at our best gas credit cards

Citi Rewards+ Card: Best for everyday spending

  • What we love about the Citi Rewards+ Card: The rewards earned from every purchase will be rounded up to the nearest 10 points. So, a $12 lunch order would earn 20 ThankYou points. Plus, the card earns an annual 10 percent bonus points on the first 100,000 points you redeem.
  • Who this card is good for: Everyday shoppers who want to earn points for purchases they make that are redeemable for purchases, gift cards, statement credits, direct deposits or on Amazon.com.
  • Alternatives: Going with a card that earns a higher point value for the purchases you make the most could be more to your advantage. The Bank of America Customized Cash Rewards and the Citi Custom Cash℠ Card cards provide the flexibility to plan a spending strategy that earns more across everyday spending.

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

Sam’s Club Mastercard: Best wholesale club card

  • What we love about the Sam’s Club Mastercard: Instead of rewarding you for purchases at Sam’s Club, this card rewards everyday purchases like gas and restaurant dining.
  • Who this card is good for: Sam’s Club members who want to earn rewards on more than just groceries.
  • Alternatives: If you aren’t—or don’t plan on becoming—a Sam’s Club member, then this card isn’t for you. However, if earning rewards on gas is your priority and you still want to earn rewards on Sam’s Club purchases, the Bank of America Customized Cash Rewards card could be a great option. It has elevated rewards in categories like supermarkets, gas stations and wholesale clubs.

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

Blue Cash Preferred Card from American Express: Best for gas and groceries

  • What we love about the Blue Cash Preferred: A cash back rate of 6 percent is stellar, especially when it’s attached to a rewards category as valuable as U.S. supermarkets (on up to $6,000 on purchases at U.S. supermarkets per year, then 1 percent).
  • Who this card is good for: People with a moderate to large grocery budget.
  • Alternatives: Maybe your grocery budget is not substantial enough to offset the card’s recurring $95 annual fee (after the $0 introductory annual fee for the first year) but you still want to earn generously for purchases made at U.S. supermarkets and gas stations. The card’s predecessor, the Blue Cash Everyday, also earns modestly at U.S. supermarkets and U.S. gas stations. While rewards rates are not as high as those on the Blue Cash Preferred, the Everyday has the added advantage of no annual fee.

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

  • What we love about the Blue Cash Everyday: 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—all for no annual fee.
  • Who this card is good for: Everyday shoppers who want to stick to a budget and not worry about recouping an annual fee.
  • Alternatives: It’s tough to find a solid replacement for the Blue Cash Everyday because it costs nothing to hold and earns decent rewards in key categories. However, if you are looking to boost your rewards earning potential for gas specifically, a customized option like the Citi Custom Cash card boasts a phenomenal 5 percent cash back rate in your top spending category, including gas station purchases (on up to $500 per billing cycle, then 1 percent).

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

  • What we love about the Customized Cash Rewards: 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.
  • Who this card is good for: Cash back strategists who want high rewards rates in more than one category.
  • Alternatives: Spending caps are common on a card like this, but if you’re looking to avoid limits on the amount of cash back or points you can earn, consider a card with a fixed, flat rate rewards model like the Wells Fargo Active Cash® Card or another flat-rate cash back card. These cards earn flexibly across all of your spending and don’t require the same category enrollment the Customized Cash Rewards does to earn its best rate.

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

  • What we love about the Discover it Chrome: Discover will automatically match all of the cash back you’ve earned at the end of your first year.
  • Who this card is good for: Someone who wants to earn rewards on both restaurant and gas station purchases.
  • Alternatives: Other no-annual-fee credit cards earn better rewards rates for gas, but if the cash back match is something that you’re heavily invested in, consider the Discover it® Cash Back. While the rewards program on the Cash Back card will require more legwork on your end, you could come out on top at the end of the year depending on how much you spend in the card’s rotating categories.

Read our Discover it Chrome review.
Jump back to offer details.

Platinum Rewards Visa Signature Card: Best credit union rewards card

  • What we love about the PenFed Platinum Rewards card: In addition to gas purchases, this card also offers bonus points at electric vehicle charging stations. Additionally, rewards are unlimited, and in the gas-at-the-pump category alone, spending $200 a month would earn 1,000 monthly reward points.
  • Who this card is good for: Frugal spenders who want to be rewarded for budget staples like gas, dining out and supermarket purchases.
  • Alternatives: Joining a credit union may push you away from a card like this despite its great rewards potential. If that’s the case, consider attempting to cover the rewards you would earn with the card with a spending strategy that includes multiple cards and earns at least 5 percent back on everything you purchase.

Jump back to offer details.

In the news

Gas prices surged following Russia’s invasion of Ukraine, as a result of supply chain imbalances and COVID cases decreasing, which prompted a return to offices and road trips. While commuters are bound for sticker shock at the pumps, Ted Rossman, Senior Industry Analyst, says the best way to save on gas is with a gas rewards credit card.

Along with savvy tips like using grocery points to curb the cost and emptying your trunk, Rossman notes the best credit cards to save on gas are not co-branded gas station cards. Instead, general-purpose rewards or cash back cards are the best way to save on gas purchases because they offer lower APRs and percentage-based rewards rather than the cent-based discounts on co-branded gas station cards.

What is a gas credit card?

A gas credit card earns points, cash back or miles when you spend at the pump. Just like other credit cards, these can be either flat-rate or have rotating bonus categories with elevated rewards rates.

Furthermore, some of the best grocery cards and travel cards also earn rewards for spending at the pump, so any card that earns customized rewards can be used as your “gas card.” Customized rewards rates can typically be more rewarding than some credit cards that include gas as a lower-earning category.

Picking the one that’s best for you means determining where you spend the majority of your money and how exactly you want your gas credit card to fit into your rewards strategy.

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 credit cards

General-purpose gas cards are simply credit cards that offer bonus rewards at gas stations. These may come with rewards models that offer cash back or points earned per dollar spent. 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 will be included in the highest rewards tier, so to really maximize your rewards at the pumps you may opt for a card like the Bank of America Customized Cash Rewards card in order to earn 3 percent back in a category of your choice, like gas (on up to $2,500 of combined 3 and 2 percent category purchases each quarter, then 1 percent).

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.

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Bankrate Insight
The average American spends $2,094 annually 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 $62.82. While that’s not a staggering sum, think of it as a free fill-up or two.

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

  • Affordability: There are plenty of gas cards on the market that do not charge annual fees.
  • Additional rewards: Most gas cards offer rewards in other valuable categories like dining or groceries.
  • Accessibility: Gas cards are available to people with a wide range 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: There are few gas cards that 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.

Who should get a gas credit card?

You might already have a good idea what type of spender you are and it may come as no surprise that gas credit cards are best suited for people who spend significantly at the pump. But not everyone can benefit from them—many people who work from home or don’t drive often might not find value in earning cash back for gas station purchases. However, the following people are most likely to earn the best bang for their buck with a gas card:

If you aren’t sure what type of spender you are, our Credit Card Spender Type Tool gives you personalized credit card recommendations based on your credit score, spending habits and daily needs.

How to choose the best gas credit card for you

There are a variety of options when choosing among the best gas credit cards. Consider these questions when shopping around for the best gas card for you.

Do you want a general-purpose or loyalty gas card?

If you spend most of your time at one specific gas station, consider choosing a loyalty card that rewards purchases at that particular chain. If you want more flexible options, a general-purpose gas card will offer rewards at any station.

What perks and rewards do you need for non-gas purchases?

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 cas credit card that also rewards these purchases.

How much are you willing to invest in your gas card?

While a lot of gas cards don’t charge an annual fee, there are a few that do. These annual fees often cover extra rewards and perks outside of your gas purchases. Some gas cards may also require you to have a membership with a specialty store or organization to qualify. Take note of these extra investments when deciding on a gas card that best fits your needs.

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).


Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

Frequently asked questions about gas credit cards

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 small businesses and credit. Mariah is a lifelong writer, but joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to mackary@bankrate.com

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