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The best gas credit cards are designed to help maximize your savings and lower the cost of trips to the gas pump. You may be considering a gas credit card if you have a long commute, a vehicle with a low miles per gallon (MPG) rating, or a family that treats you like a taxi.
Gas credit cards may reward you with cash back on gas purchases or offer a set discount per gallon of gas. This guide will explore some of the best-rated gas credit cards, so you can choose the one that works best for you.
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ToggleCredit score
Excellent, Good
Welcome offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)
This card is recommended for everyday use, whether for doctor copays or big box store purchases. It can be a large earner for cardmembers who want to get the most out of their everyday spending.
Welcome offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards rate: When you open a Chase Freedom Unlimited®, you can earn between 1.5% and 6.5% cash back in several different categories as follows :
Up to $20,000 spent in the first year:
Post $20,000 spent or first year:
Our take: Additionally, new cardmembers will get a special offer of 5% cash back at gas and grocery stores on up to $12,000 worth of purchases in the first year. This offer excludes Walmart and Target. Cash back rewards on the Chase Freedom Unlimited® don’t expire, so you don’t need to worry about rushing to use them.
Other benefits of the Chase Freedom Unlimited® include a 0% Intro APR on Purchases 15 months and 0% Intro APR on Balance Transfers 15 monthsand a $0 annual fee.
Credit score needed
Average, Fair, Limited
Welcome offer: N/A.
Rewards rate: You can earn a flat 1.5% cash back on all purchases, including gas.
Our take: With a minimum credit requirement of 580, the Capital One QuicksilverOne Cash Rewards Credit Card is a good choice for those with fair credit. Capital One also provides access to CreditWise—a tool designed to help you monitor your credit health as you work to strengthen your credit history. Bonus: You don’t even need to have a Capital One product to use CreditWise.
Credit score needed
Good, Excellent
Welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards rate: The card pays 3% cash back in both categories, making it an ideal choice for those who frequently ferry kids around town or have a growing family to feed.
Our take: Families who spend a lot of money at gas stations and grocery stores will appreciate the cash back options with a Blue Cash Everyday® Card from American Express. With a $0 annual fee (Rates & Fees), cardholders can rest assured that there won’t be any surprises with this card.
Credit score needed
Excellent, Good
Welcome offer: Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Rewards rate: There’s a long list of rewards available for Citi Premier® Card holders, including 3% on gas that’s converted into ThankYou Points.
Our take: You can use your points to shop online with Amazon and Best Buy, or you can redeem them for gift cards to restaurants, home improvement stores, department stores, and more. There’s also an option to redeem your points for travel expenses on flights, hotels, and cruises. ThankYou Points don’t expire, and there’s no limit on the number of points you can earn.
Credit score needed
Excellent
Welcome offer: N/A.
Rewards rate: Costco members with excellent credit scores can take advantage of 4% cash back on gas purchases with a Costco Anywhere Visa® Card by Citi.
Our take: There’s $0 annual fee (although you do need to be a Costco member to apply, so you’ll need to pay an annual membership fee). The 4% cash back on gas applies to the first $7,000 spent in this category each year—after that, it drops down to 1%. Cardholders can also get 3% cash back on travel and restaurant bills, 2% cash back on Costco or Costco.com purchases, and 1% cash back on all other purchases.
Credit score needed
Fair,Average
Welcome offer: None.
Rewards rate: You’ll get 15 cents per gallon off at all BP and Amoco gas stations. In addition, you’ll earn 5% cash back on non-fuel purchases at BP or Amoco stations, 3% on groceries and dining, and 1% on all other qualifying purchases.
Our take: When you sign up for a BPme Rewards Visa, you’ll automatically receive a discount of 50 cents per gallon for the first 60 days after opening the account. In addition to the beneficial rewards structure, you can exchange your rewards for cash back, gift cards, account statement credit, or travel experiences.
Credit score needed
Good, Excellent
Welcome offer: 15,000 Bonus Points when you spend $1,500 in first 90 days.
Rewards rate: You can also earn 3x points on purchases at grocery stores, restaurants, and streaming services, and 1x points on all other purchases. For a driver who spends $500 per month, this would equal 2,500 points per month and 30,000 points per year.
Our take: In addition to a no annual fee and a generous rewards rate structure, this PenFed card offers 5x points earned on gas purchases or EV charging stations. Points can be redeemed for gift cards, travel, shopping, experiences—even charitable donations.
| Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) | |||
| Earn a $200 statement credit | |||
| Earn 60,000 bonus ThankYou® Points | |||
When researching the best gas credit cards, we compared some of the top-rated cards in several important categories. Like with any type of credit card, we looked at annual fees and annual percentage rate (APR) to determine the costs of owning each credit card. We also reviewed cash back amounts for purchases at gas stations and looked for any extra benefits, such as a set amount per gallon of gasoline. The resulting list offers a good mixture of options for a wide range of customers.
When looking for the best gas credit card, there are several considerations you’ll want to keep in mind.
If you want to save money on gas without taking out a new credit card, here are two options to consider.
By opening one of these gas credit cards, you can enjoy cash back and other rewards just for making purchases you would already be making. Before choosing a card, it’s important to consider annual fees, APR, introductory offers, and the rewards you can earn for purchasing gas and other essential items such as groceries.
Gas credit cards work the same way traditional credit cards do; however, they tend to offer benefits tailored for cardholders who spend a lot of money on gas. For example, they may offer 4% or higher cash back for gas purchases, which can help you decrease your overall costs. Depending on the card, you may be able to redeem cash-back points for gift cards, travel expenses, or cash.
There are two main types of gas credit cards:
Most credit cards offer some form of cash back or points. To earn the most back on gas purchases, look at the fine print of any credit card you’re considering to see how much you can earn back on purchases at gas stations.
A fleet gas card is designed for business use. If the business has a fleet of commercial cars, the driver can use a fleet gas card to fill up at certain gas stations within a predetermined network. Fleet gas cards can also be used to pay for regular maintenance of fleet vehicles, so businesses can keep them running longer.
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Truely the best gas credit card.