Are gas credit cards worth it?

You could earn rewards on gas, as well as dining and groceries.

Last updated:

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

A gas credit card could be worth considering if you’re often on the road and want to earn back some cash when filling up your tank. But even though a gas rewards credit card could be an excellent way to save some money, it’s important to consider the pros and cons before deciding if it’ll be worthwhile for you.

Benefits of gas credit cards

Features vary among this type of credit card, but the benefits you will likely find are:

  • Rewards.
    Most gas credit cards let you earn cash back, but some offer discounts, points or miles on your purchases. You’ll get rewards on gas purchases, as well as on other categories such as groceries and dining.
  • Signup bonus.
    With these type of cards, typically you’ll get a chance to earn a signup bonus when you meet spend requirements within your first months of card membership. Depending on the card, it can be up to $300 in reward value.
  • Redemption options.
    Since the majority of gas credit cards are cashback cards, you can redeem your rewards as a statement credit or a deposit to your account. Other redemption options may include gift cards, merchandise and sometimes travel options.
  • Additional features.
    Some of the gas credit cards come with a 0% intro APR period on balance transfers and purchases. Additional features may include travel insurance, purchase protection, zero liability and more.

What to watch out for with gas credit cards

Just as you’ll find great features with gas credit cards, there are some drawbacks. For example:

  • Annual fee.
    Most gas credit cards have no annual fee. But there are cards that can cost up to $95. Make sure you’re getting more value than the fee you’re paying for the card.
  • Interest rate.
    Rewards cards, in general, have higher APR than other types of cards. Be sure to pay your balance on time to avoid paying interest. Otherwise, you could offset your reward value.
  • Points caps.
    Some cards impose a limit on the number of rewards points or cash back you can earn per quarter or annually. If your expenditure exceeds that cap, you’ll earn fewer points for additional dollars spent.
  • Limited use.
    Some cobranded credit cards will only let you earn at a specific brand of gas stations. Purchases made at other gas station won’t earn you accelerated rewards. Luckily, this is not the case with all gas credit cards.

Our pick for rewards on gas

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Read less
Read more

Compare gas credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
CardMatch™ from creditcards.com
See terms
See terms
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
6% cash back at US supermarkets. Rates & fees

Compare up to 4 providers

Bottom line

If you’re often on the road and spend thousands of dollars on gas, getting a gas credit card could be worth it. Don’t forget, most gas credit cards also earn accelerated rewards on additional categories such as groceries and dining, which gives added value to the card.

But before deciding on a card, make sure you compare your credit card options until you find the right fit.

Back to top

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site