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The Citi Custom Cash® Card is the best gas credit card because it offers 5% cash back on up to $500 in gas purchases each month when gas is your highest spending category. This is the highest rate on gas of all the cards on our list, and you won’t have to pay an annual fee.
Gas can be among a household’s biggest expenses each month, so it makes sense to do everything possible to lower the impact it has on your budget. A gas credit card can be one way to keep some extra money in your wallet. There are two major types of gas credit cards — one gives a discount on gas purchases (usually at a specific brand of gas station), and the other gives rewards on fuel purchases. While there are many different choices for gas credit cards, the best gas credit card will earn at least 2% back on your gas purchases.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
Intro Purchase APR0% intro APR for 15 months on Purchases
Annual Fee$0
Regular Purchase APR19.24% - 29.24% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
You can earn up to $300 cash back every year on gas with the Citi Custom Cash® Card. Instead of earning rewards in fixed categories, you’ll automatically earn 5% cash back on your highest category of spend each month from a list of categories (up to $500). So if gas is your biggest spending category, you’ll earn a whopping 5% cash back on up to $500 in gas each month.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash® Card account per person.
Runner-up, best gas credit card
Bank of America® Customized Cash Rewards credit card
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
Intro Purchase APR0% Intro APR for 15 billing cycles for purchases
Annual Fee$0
Regular Purchase APR19.24% - 29.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Highest cash back rate capped at $2,500 per quarter
Charges 3% foreign transaction fees
With the Bank of America® Customized Cash Rewards credit card, you can earn up to 3% cash back on gas. If you use this card solely for gas purchases and hit the $2,500 quarterly maximum, you’ll get up to $300 cash back on gas purchases per year. Plus, you’ll earn cash rewards on every purchase.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and cash rewards don’t expire as long as your account remains open.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earning rate on gas: 3% cash back at U.S. gas stations (redeemable for statement credits)
Earn Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (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. Terms apply.
Intro Purchase APR0% on purchases for 12 months
Annual Fee$0 intro annual fee for the first year, then $95.
Regular Purchase APR19.24%-29.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Excellent cash back rate on U.S. supermarkets and U.S. gas stations
Attractive welcome offer
Useful monthly and annual credits
$0 intro annual fee for the first year, then $95.
Cash back rate at U.S. supermarkets limited to $6,000 per year
Foreign transaction fee
The Blue Cash Preferred® Card from American Express earns 3% cash back rewards at U.S. gas stations, while also earning one of the highest rates of cash back around for U.S. supermarket purchases (redeemable for statement credits). If you’re looking for the best cash back credit card for these two categories combined, the Blue Cash Preferred® Card from American Express is the way to go.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
Terms Apply.
Best gas card for small business
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card*
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases
Intro Purchase APR0% Introductory APR on purchases for the first 9 billing cycles
Annual Fee$0
Regular Purchase APR18.49% - 28.49% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Flexibility to earn cash back in your preferred category
$0 annual fee
Highest cash back rates capped at $50,000 spend per year
Have to manually change your bonus category if you want to update it
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is best for small business owners who are looking for a flexible credit card that gives 3% cash back on gas as a reward option. You can select one category to earn the highest cash back rate each month (up to the yearly maximum), and you can change it once per calendar month.
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee
Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% - 28.49% Variable APR will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
*The information related to the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time.
Intro Purchase APRN/A
Annual Fee$0
Regular Purchase APR19.24% to 30.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
If you’re a frequent spender at both gas stations and restaurants, you should consider the PNC Cash Rewards® Visa® Credit Card. In addition to offering an excellent rewards rate on these two categories, the card offers cash back at grocery stores and on all other purchases — all for a $0 annual fee.
$200 after you make $1,000 or more in purchases during the first three billing cycles
You’ll earn at least 1% cash back on purchases everywhere, every time. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.
Cash back is automatic – there’s no need to enroll or track rotating categories
0% intro APR on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 19.24% to 30.24% Variable based on credit worthiness.
No annual fee.
*The information related to the PNC Cash Rewards® Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Get 15¢ off per gallon on fuel purchases at participating bp and Amoco stations. Earn 5% cash back on non-fuel bp and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases.
Intro Purchase APRN/A
Annual Fee$0
Regular Purchase APR30.99%
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Of all gas discount cards, the BPme Rewards Visa Signature® Card offers one of the best discounts on fuel: You’ll get 15 cents per gallon off all fuel purchases at BP. Plus, you can also earn cash back on groceries, dining and nonfuel BP purchases.
Introductory offer: Earn 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening
Use your card anywhere Visa is accepted
No annual fee
Visa benefits, including roadside dispatch and zero liability
*The information related to the BPme Rewards Visa Signature® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earning rate on gas: 6X points at U.S. gas stations
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Intro Purchase APRN/A
Annual Fee$150
Regular Purchase APR20.99%-29.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Rewards at U.S. gas stations, U.S. restaurants and U.S. supermarkets
Complimentary Hilton Gold elite status (enrollment required)
Can only use rewards for stays at Hilton hotels
No free anniversary nights without spending $15,000
$150 annual fee
The Hilton Honors American Express Surpass® Card earns a high rate of rewards at U.S. gas stations in the form of Hilton Honors hotel points. If you’re a frequent Hilton guest, you’ll enjoy earning travel rewards that you can turn into free nights.
*To see rates & fees for Hilton Honors American Express Surpass® Card, please click here.
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Points for all other eligible purchases on your Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases
3x -- Earn 3 Points per $1 spent on Restaurants
3x -- Earn 3 Points per $1 spent on Supermarkets
3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations
1x -- Earn 1 Point per $1 spent on All Other Purchases
Intro Purchase APRN/A
Annual Fee$95
Regular Purchase APR21.24% - 29.24% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Limited travel and consumer insurance or protections
No introductory 0% APR offers
$95 annual fee
The Citi Strata Premier℠ Card is an outstanding travel rewards credit card that offers ThankYou® points at gas stations, as well as air travel and hotel stays. You can then transfer these points to Citi’s travel partners for maximum value.
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Get 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.
Intro Purchase APRN/A
Annual Fee$0
Regular Purchase APR20.49% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Excellent earning rates on gas, restaurants and Costco purchases
0% foreign transaction fee
$0 annual fee
Requires a Costco membership
Highest cash back rate limited to the first $7,000 spent on gas per year
Can only redeem rewards once per year
Buying gas at Costco does require a Costco membership (either $60 or $120 annually), but gas at Costco is often cheaper than at surrounding stations. And if you’re filling up at Costco, you’ll want the Costco Anywhere Visa® Card by Citi.
Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and 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
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
*The information related to the Costco Anywhere Visa® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
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Compare best gas credit cards
Credit Cards
Our Ratings
Welcome Offer
Rewards Rate
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (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. Terms apply.
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases
$200 after you make $1,000 or more in purchases during the first three billing cycles
Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time.
Get 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening.
Get 15¢ off per gallon on fuel purchases at participating bp and Amoco stations. Earn 5% cash back on non-fuel bp and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases.
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases
3x -- Earn 3 Points per $1 spent on Restaurants
3x -- Earn 3 Points per $1 spent on Supermarkets
3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations
1x -- Earn 1 Point per $1 spent on All Other Purchases
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases
*The information for the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, PNC Cash Rewards® Visa® Credit Card, BPme Rewards Visa Signature® Card and Costco Anywhere Visa® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
What is a gas card?
A gas card can mean a few different things, depending on the context. Some gas station brands offer gas cards that offer discounts on fuel purchases at their particular stations — these are generally referred to as gas discount cards. There are also traditional gas credit cards that are good anywhere the associated credit card processing network (Visa or Mastercard, for example) is accepted. They may or may not be co-branded with a gas station brand and usually offer rewards on gas purchases.
Gas discount cards
A gas discount card is a gas card that is specific to one particular brand of gas station. These cards usually offer a discount on specific types of gasoline, and may only be good for purchases at that particular brand. A couple of examples of gas discount cards include the Exxon Mobil Smart Card+™ and the Shell | Fuel Rewards® Mastercard®.
Credit cards with gas rewards
If you’re looking for a card that you can use for multiple types of purchases, you might opt instead for a credit card with gas rewards. These credit cards are usually issued by a major processing network, such as Visa or Mastercard, and good anywhere those networks are accepted. Rather than a discount, the card will offer points or cash back on your gas purchase.
Gas discount cards vs. credit cards with cash rewards
Deciding whether a gas discount card will save you more than a credit card that pays cash rewards on gas purchases will depend on the price of gas in your area. The lower the price of gas, the more likely that a discount card will offer more savings than a cash back card. The table below shows how a gas card with a 10 cent discount compares to a credit card with 3% cash back rewards on gas. In this specific scenario, $3.50/gallon and higher is the tipping point where the 3% cash back card is better than the 10 cent/gallon discount card.
Savings on 15 gallons of gas
Gas card with a 10 cent discount
Credit card with 3% cash back
$3 per gallon
$1.50
$1.35
$4 per gallon
$1.50
$1.80
$5 per gallon
$1.50
$2.25
Pros and cons of gas credit cards
Earn discounts or rewards on fuel purchases
Can sometimes stack with gas station rewards program
May offer sign-up bonus
Often more secure than paying with a debit card
Some gas cards may only be used at specific stations
Some gas cards may cap the total rewards you can receive
Gas stations sometimes charge more for using a credit card
Could put you in debt if you don’t pay it off each month
How to get a gas card
If you’re ready to get a gas card, here are a few steps to follow:
Decide which gas card is right for you
Go to the issuer’s website to find the credit card application
Enter in your information
You may be approved automatically, or you may have to provide additional information before the issuer can make a decision
Are gas credit cards worth it?
Using a credit card that offers discounts and rewards can often be worth it, compared to paying with a debit card or cash. You can earn rewards or discounts on your fuel purchases — plus, most credit cards come with fraud protections that can protect you against theft and skimming at the pump. As long as you’re able to pay the charges off each month, a gas card is a good way to go.
How to use a credit card at the gas pump
Most gas stations now offer the ability to pay at the pump with an authorized debit or credit card. To use a credit card at the gas pump, insert your card when you pull up at the gas station. Some gas pumps still use the magnetic stripe to authorize your payment, but most have converted to using the EMV technology chip. Insert your chip card and leave it inserted into the pump until you’re told to remove your card. Then simply follow the prompts until you have completed your purchase.
While gas stations are a favorite spot for “skimming” (a type of credit card fraud that involves placing a device on top of a credit card machine to steal your card number), most gas stations offer protection against skimming. You should keep an eye out for a piece of anti-tampering tape around the credit card reader — if the tape is broken, the machine may have been tampered with, and you should inform the gas station attendant. Fortunately, EMV chip readers also offer strong protection against this type of fraud.
How to choose a gas credit card
Figure which stations you use the most
The first thing that you’ll want to do is determine which gas stations you use the most. A co-branded gas card is a good choice for those who are brand loyal, while a general credit card is better for those who use many different brands. If you live in a rural area that only has one or two stations, you might be more brand loyal than if you live in a more populated area with more choices.
Calculate the amount you spend on gas and the number of gallons you use
Next, you should estimate how much you spend on gas each month. This calculation will help you determine whether a discount card or a rewards card will be the better choice. Generally speaking, the more expensive the gas prices in your area, the more likely a gas rewards card will be a better choice.
Decide if you want to earn rewards in other categories
If you only want to carry one card, you may be better off with a gas rewards card. A card with multiple bonus categories will allow you to earn credit card rewards on all of your purchases, instead of only your gas purchases. A gas discount card can be a good option as a secondary card that is used only for gas.
Decide which type of rewards you prefer
There are many different options for credit card rewards — including airline miles, hotel points, bank points and cash back. Another step towards choosing a gas credit card is deciding which of these rewards will be most useful to you.
Look at the other benefits on the card
Many rewards credit cards also offer other perks or benefits that you might find useful. A credit card that offers travel protection or primary rental car insurance might be something that would provide real value to you. As you compare different gas credit card options, finding one with valuable benefits can help you decide which card is right for you.
Frequently asked questions
Yes, getting a gas credit card can help you build credit — but you’ll need to use it responsibly. Most credit card issuers report your account and payment history to the three major consumer credit bureaus (Equifax, Experian and TransUnion), which can positively impact your credit profile — as long as you pay on time and keep your balance well below 30% of your credit limit.
If you have a poor or fair credit score, consider a secured credit card. This type of card will require a security deposit in the amount of your desired credit limit, but it can help you rebuild a poor credit score through responsible usage. For example, the Discover it® Secured Credit Card offers earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. plus earn unlimited 1% cash back on all other purchases..
Visa and Mastercard have different rules and also higher credit card processing fees for larger transactions. Because gas stations may not be reimbursed by Visa or Mastercard for fraudulent transactions above a certain amount, they may limit the total dollar amount for any gas purchases. The guidelines are different for in-store purchases, so if you want to make a gas purchase for more than the listed amount at the pump, you can go inside to pay at the register.
The best gas credit cards are likely to require good to excellent credit — typically considered to be a FICO Score of 670 to 850. If you have poor or fair credit, take a look at secured cards and credit cards for bad credit.
The Bank of America® Customized Cash Rewards Secured Credit Card is our pick for easiest credit card to get for gas rewards, as it’s geared toward consumers with credit.
Nearly all gas stations take most major credit cards; this is especially true in urban and suburban areas. You may still find a rural gas station that doesn’t take credit cards — if that is the case, you’ll have to go into the building and pay with cash or another form of accepted payment.
Generally speaking, it’s as safe to use a credit card at the gas pump as it is to use a credit card anywhere. However, there is a known scam called credit card skimming, which sometimes affects gas station pumps. Gas pump credit card skimming is when a criminal uses an unauthorized device attached to the gas pump to collect your credit card information. Be vigilant when using any gas pump and be on the lookout for anything that looks out of place.
Methodology: How we chose the best gas credit cards
We selected the best gas cards through a review of cards available on LendingTree and from top issuers. The following factors influenced our top card picks:
Cash back rates or discounts: We looked for cards that were likely to save you the most at the pump.
Redemption options: How easy are the rewards to redeem, and how valuable are the redemption options?
Annual fee: If the card charges an annual fee, do the rewards outweigh it?
Sign-up bonuses: Does the card offer a large sign-up bonus?
Introductory and regular APRs: Does the card offer an 0% intro APR to help finance a big purchase or pay off a transferred balance? Is its regular APR reasonable?
Useful benefits, like cellphone protection and extended warranty protection, influenced our choices as well.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
*To see rates & fees for Hilton Honors American Express Surpass® Card, please click here.
The information related to Exxon Mobil Smart Card+™ and Shell | Fuel Rewards® Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
Lauren Nicholson
Expertise: Credit cards Education: New York University
Lauren Nicholson is a staff writer at LendingTree, where she focuses on credit cards.
Before joining LendingTree, she worked in the education sector as a college counselor and marketing associate. Lauren is passionate about using clear, concise language to empower readers in times of transition, whether they’re making decisions about their finances or their education.
Lauren has a master’s degree in English from New York University.