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Compare gas rewards credit cards

Earn rewards when you use your card to fill up your car.

Updated

Fact checked
Frequent gas station trips are usually unavoidable if you’re always on the go. But you can get rewarded each time you pay for fuel — just pick up a gas card.

Best for highest rewards rate on gas with a general-rewards card

PenFed Platinum Rewards Visa Signature® Card

PenFed Platinum Rewards Visa Signature® Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 5x
Points
$100
Welcome offer
If gas takes the biggest chunk out of your monthly budget, the PenFed Platinum Rewards Visa Signature® Card is an excellent choice. The card is a good pick for groceries as well, offering accelerated points.
  • Rewards points. Earn 5x points when you buy gas at the pump, a market-leading rate. Also, earn 3x points on groceries and 1x points on all other purchases. There's no cap on points you can earn.
  • Promotional APR. Get on balance transfers for 12 months following your account opening, and 13.49% to 17.99% variable after that.
  • Signup bonus. Earn $100 statement credit after you spend $1,500 in the first 90 days of card membership.
  • No intro APR on purchases. You get a 0% intro APR period on balance transfers, but not on purchases.
  • Balance transfer limitations. You must complete your transfers before a certain date to use the 0% intro APR period. Otherwise, you'll accrue the standard interest rate.
Annual Fee $0
Purchase APR 13.49% to 17.99% variable
Balance transfer APR 0% intro for the first 12 months (then 17.99% variable)
Welcome offer $100 after spending $1,500 in the first 90 days
Rewards 5x points on gas at the pump, 3x points on groceries and 1x points on all other purchases

Best for gas and travel

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi logo
Finder Rating: 3.6 / 5

★★★★★

Credit recommended (740-850)
Read review
740
Min. credit score
$0
Annual fee
Up to 4%
Cash back
n/a
Welcome offer
The Costco Anywhere Visa® Card by Citi doesn't offer quite as high a rewards rate on gas as the PenFed Platinum Rewards Visa Signature® Card. But it comes close, and it offers excellent cash back on travel.
  • Cash back. Earn 4% cash back on eligible gas for the first 7,000 in purchases per year, then 1%. Earn 3% cash back on eligible travel, 2% on all Costco and Costco.com purchases and 1% on all other purchases.
  • No annual fee. If you already shop regularly at Costco, you might think of this card as a no-annual-fee product. Otherwise, the card essentially goes for $60 a year, the cost of an annual Costco membership.
  • No foreign transaction fees. Use your card freely online with foreign merchants or when traveling abroad and you won't pay any foreign transaction fees.
  • No intro APR period. There's no 0% intro APR period on purchases or balance transfers, and you won't get a 0% deferred interest on your purchases.
  • No signup bonus. Most cashback cards let you earn a certain amount of cash bonus within the first months of card membership. But this card, doesn't have any signup bonus.
Annual Fee $0
Purchase APR 15.24% variable
Balance transfer APR 15.24% variable
Welcome offer N/A
Rewards 4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
The information about Costco Anywhere Visa® Card by Citi has been collected independently by Finder and and has not been reviewed or provided by the issuer.

Best for gas and groceries

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo
Finder Rating: 4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$95
Annual fee
Up to 6%
Cash back
$250
Welcome offer
This card offers a great cashback rate on eligible gas and transit. But the real stars of the show are the even higher accelerated cash back at US supermarkets and on select US streaming subscriptions. If you spend a lot on gas but spend even more on groceries, try this product.
  • Cash back. On up to $6,000 per calendar year in purchases, you'll earn 6% cash back at US supermarkets. Once you hit the spending cap, you'll earn 1% back for the rest of the year. You'll also earn 6% cash back on select US streaming subscriptions, as well as 3% cash back at US gas stations and 3% cash back on transit such as rideshare and parking. Earn 1% back on other eligible purchases.
  • Welcome offer. Earn $250 back after you spend $1,000 in purchases on your card within the first three months of card membership.
  • Intro APR. Get 0% on purchases for 12 months following your account opening, and 13.99% to 23.99% variable after that.
  • Foreign transaction fees. Try to avoid using this card abroad or online with foreign merchants. Otherwise, you'll pay a 2.7% fee of the amount of each transaction.
Annual Fee $95
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer $250 after spending $1,000 in the first 3 months
Rewards 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

Best gas station card

Chevron and/or Texaco Techron Advantage Visa® Card

Chevron and/or Texaco Techron Advantage Visa® Card logo
Credit recommended (580-850)
580
Min. credit score
$0
Annual fee
Up to 20
Cents off a gallon
20
Welcome offer
If you can consistently earn 20 cents a gallon in Fuel Credits, this card can give you a better rewards rate than the Chevron and/or Texaco Techron Advantage Visa® Card. In that sense, the Chevron and/or Texaco Techron Advantage Visa® Card may be the best gas-station card you'll find.
  • Rewards. Earn Fuel Credits as you pump gas at Chevron and Texaco stations. These are redeemed as statement credit. When you fill up at Chevron and Texaco stations, you'll earn 3 cents per gallon in fuel credits. Visa Spend Fuel Credits expand your earnings. If you spend $300 to $999.99 with non-fuel merchants in a month, you'll earn 10 cents per gallon in fuel credits. If you spend $1,000 or more with non-fuel merchants in a month, you'll earn 20 cents per gallon in fuel credits. This is the rewards tier you want to aim for, as it can give you an excellent rewards rate on fuel purchases.
  • No annual fee. The card doesn't cost anything to own.
  • High APR. If you can't pay your balance in full before the due date, expect to pay a high APR of 26.99% variable.
  • Foreign transaction fee. The Visa version of the card has a 3% foreign transaction fee on purchases made abroad or online with foreign merchants.
Annual Fee $0
Purchase APR 26.99% variable
Balance transfer APR N/A
Welcome offer 20 cents per gallon for the first 90 days at Chevron and Texaco stations
Rewards 3 cents per gallon at Chevron and Texaco, 10 cents/gal after spending $300 on non-fuel purchases each month and 20 cents/gal after spending $1000 on non-fuel

How we selected our top cards

We compared a few factors when selecting the best gas credit cards of 2020. These factors included eligible gas stations, points or cash back earned per dollar spent, rewards point value when redeemed, annual fees, introductory APRs and other perks or features a consumer might look at when selecting a gas credit card. The cards that stood out were some of the top performers in one or several of these areas, earning spots on our list.

What’s changed in 2020

The usual contenders are holding strong this year. Amex continues to offer excellent rewards on everyday purchases. PenFed’s product is still the one to beat, with stellar rewards on gas at the pump.

The only difference this year is that the Blue Cash Preferred® Card from American Express no longer offers a 0% intro APR period on balance transfers. This, however, doesn’t make the card any weaker for earning cash back on gas purchases.

What is a gas card?

A gas credit card offers rewards when you spend on fuel. These rewards can come in the form of discounts, cash back, points or miles.

For example, a gas card might give you fuel credits that reimburse you after you fill up. Another gas card might offer bonus points as you fill up, which you can redeem for flights, hotel stays and more.

What makes a good gas card?

Generally, the higher the savings or better the rewards, the stronger the gas card.

Two types of credit cards with benefits on gas purchases

There are two major types of credit cards with gas rewards: gas-station cards, which are affiliated with oil companies, and general-rewards cards that offer bonus points, miles or cash back on gas purchases.

Gas-station credit cards

These cards give you discounts or rebates for gas. Most major oil companies — Shell, BP, Chevron, ExxonMobil and the like — offer their own credit cards.

  • Here’s an example of a discount:
    When you use your card at the pump, you’ll automatically save 10 cents per gallon of gas you buy.
  • Here’s an example of a rebate:
    When you use your card for non-gas purchases, you’ll earn gas rebates at a 1% rate. After you use your card for eligible gas, your rebates will be redeemed automatically for statement credit.

General-rewards credit cards

These cards aren’t affiliated with specific gas companies, but they offer elevated rewards on general gas purchases.

  • For example: A card might offer 4% cash back on gas, which is an excellent rate. It might also offer elevated rewards in different categories, such as travel and dining.

Some rewards credit cards may limit the number of gas purchases you earn elevated rewards on, such as $6,000 annually. Once you’ve reached that threshold, your gas purchases will typically earn rewards at the base rewards rate — usually 1%.

After you accumulate rewards, you can often redeem them for statement credit, bank deposits, gift cards, travel, merchandise or other options offered by your credit card issuer.

Gas credit cards vs. general rewards credit cards

Gas credit cardRewards credit card
Can often only be used at gas stations affiliated with a single company.Can be used almost anywhere.
May offer instant discounts on gas purchases.Allows you to accumulate rewards that you can redeem later.
Typically has higher interest rates.May offer lower interest rates. May also offer promotional interest rates on purchases and balance transfers.
Potentially low credit limit.Chance for a higher starting credit limit.
Typically, no rewards on gas purchases with other gas stations.Earn rewards on all gas purchases.
Usually requires good to excellent credit.

How to choose a gas credit card

Gas benefits are likely most important to you, but other features of each card — such as fees and additional perks — might factor into your decision.

  • Decide whether you want to be tied to a specific gas-station brand.
    If you get fuel with one company, a gas-station card might offer attractive benefits. Otherwise, you might like a general-rewards card you can use at different gas stations.
  • Initial bonus.
    For a gas-station credit card, you might receive more fuel credits or a bigger discount on gas purchases during an initial period. For a general-rewards card, you might receive a welcome bonus for spending a certain amount on your card within a specified period.
  • APR.
    Gas-station cards tend to have very high APRs. Consider paying off your balance in full each month to avoid expensive finance charges if you end up going with one.
  • Annual fee.
    If you want to save money, an annual fee might not be worth paying. Look for a card with a low or $0 annual fee. If a card has an annual fee, calculate if your potential for rewards earned will offset the card’s cost.
  • Other rewards and perks.
    While your primary goal is to find a credit card that will reward you for gas purchases, any other rewards you receive will only sweeten the deal. A general-rewards card is more likely to offer elevated rewards in additional categories.

How to maximize your gas rewards

  • Choose a gas card based on nearby gas stations.
    It may not be worth burning fuel to drive to a gas station that’s out of the way. If there are no credit cards affiliated with gas stations near you, choose a general-rewards product that pays rewards on all gas purchases, regardless of the brand.
  • Watch out for gas stations that charge more for credit-card purchases.
    Many gas stations charge different prices for cash and credit-card purchases. Cash purchases get a discount, while credit card purchases are charged a few cents more per gallon.
  • Buy all your fuel with your gas card.
    You’ll save the most money — and earn the most rewards — when you make your gas purchases exclusively with your gas card.

Should I get a gas card?

There are a few reasons you might apply for a gas card. Strongly consider getting a gas credit card if both of these apply to you:

  • You spend a lot on gas each month.
    A gas credit card will give you a big break on gas costs if you spend several hundred dollars or more each month on gas.
  • You pay your balance in full each month.
    Pay special attention if you have a gas-station card, as it likely has a very high APR. Paying your balance in full every month lets you avoid paying interest on your purchases. If you carry a balance from month to month, however, you’ll accrue finance charges that will offset your gas rewards.

Compare gas rewards cards

Want a close look at your gas card options? Select your credit score from the options below and click “Show cards” to start comparing side-by-side.

Name Product Welcome offer Rewards Annual fee Filter values
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
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
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.
CardMatch™ from creditcards.com
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
$150 after spending $1,200 in the first 90 days
1x points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points
$0
Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days
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Compare up to 4 providers

Bottom line

A gas credit card is a smart choice if you’re constantly filling up. Consider a gas-station card if you buy fuel with one company; otherwise, a general-rewards card may be a better pick.

If you’re not sure if a gas credit card is right for you, check out other rewards cards.

Frequently asked questions

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