Compare gas rewards credit cards 2021 l finder.com

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Compare gas rewards credit cards March 2021

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

Updated . What changed?

Fact checked

The best gas rewards credit cards offer the highest earning rate on gas purchases and solid rewards in other categories as well. The Finder credit cards experts spent over 200 hours reviewing available gas credit cards and ranked the best among them into several categories to help you choose the most valuable one for your needs.

Quick look to best of gas credit cards of 2021

Best for the highest welcome offer on gas purchases
The Platinum Card® from American Express

The Platinum Card® from American Express logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$550
Annual fee
Up to 10x
Points
75,000
Points welcome offer
This card is synonymous with premium travel. But recently, it got a boose to its welcome offer. Now you earn the highest rewards rate on gas and groceries during your first 6 months of card membership.
  • Welcome offer. Earn 75,000 bonus points after you spend $5,000 in your first 6 months when you open your account. On top of that, you earn 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases during the same time period. Maxing out both bonuses can get you up to $4,500 in redemption value.
  • Reward points. Earn 5x points on flights booked directly with airlines or through American Express Travel on up to $500,000 annually, and 1x points after that. Earn uncapped 5x points on prepaid hotel stays booked through the Amex Travel website and 1x points on all other purchases.
  • Statement credits. You get more than $800 total in statement credits for a variety of purchases, including $200 airline fee credit, up to $100 Global Entry or TSA PreCheck application fee credit, up to $200 Uber cash credit and more.
  • Annual fee. Expect to pay $550 annually for the card.
  • No intro APR period. There's no 0% intro APR period on purchases or balance transfers.
Annual Fee $550
Purchase APR See Pay Over Time APR
Balance transfer APR N/A
Welcome offer 75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
Rewards 10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
Terms apply to American Express benefits and offers.

Best card for gas and dining
Sam’s Club® Mastercard®

Sam’s Club® Mastercard® logo
Finder Rating: 3.8 / 5

★★★★★

Credit recommended (670-850)
See offer
on Synchrony Bank's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$30
Welcome offer
The Sam’s Club® Mastercard® rivals the top gas credit cards on potential rewards you can earn in this category. But gas is not the only rewards category. You earn a solid cashback rate on dining and takeout purchases, and on your Sam's Club purchases. And if you're a Sam's Club Plus member, you earn even more cash back on purchases at the store.
  • Cash back. Earn 5% cash back on gas purchases on up to $6,000 annually, and 1% after that. Earn 3% back on dining and takeout, and 5% back on Sam's Club purchases. With a Plus membership, you earn an additional 2% back for a 5% back total on Sam's Club purchases. All other purchases earn 1% back.
  • Signup bonus. Earn a $30 statement credit after you spend at least $30 in the first 30 days of card membership. This is low compared to similar cashback credit cards, but it's way easier to earn.
  • No annual fee. The card doesn't cost any extra beyond your Sam's Club membership fee.
  • Sam's Club membership required. To apply for the card and use it, you need to be a Sam's Club member, which costs either $45 for Basic membership or $100 for Plus membership.
  • No intro APR period. The card offers solid rewards, but it doesn't offer a 0% intro APR period on purchases, balance transfers or both.
Annual Fee $0
Purchase APR 14.9% to 22.9% variable
Balance transfer APR 14.9% to 22.9% variable
Welcome offer Get a $30 statement credit when you open a new account and make $30 in Sam's Club purchases
within 30 days.
Rewards Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% 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)
Apply now
on Citi's secure site
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

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

Blue Cash Preferred® Card from American Express logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$95 ongoing
Annual fee
Up to 6%
Cash back
$300
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 $300 back after you spend $3,000 in purchases on your card within the first 6 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 $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer $300 after spending $3,000 in the first 6 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
Terms apply to American Express benefits and offers.

Best credit union gas 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 0% 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 gas station card
Chevron and/or Texaco Techron Advantage Visa® Card

Chevron and/or Texaco Techron Advantage Visa® Card logo
Credit recommended (580-850)
Rates & fees

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

Best student card
Discover it® Chrome for Students

Discover it® Chrome for Students logo
Credit recommended (580-669)
Read review
580
Min. credit score
$0
Annual fee
Up to 2%
Cash back
Other
Welcome offer
Rewards on a student card are a rarity, but the delivers just that. Rewards on gas and dining are solid - though limited quarterly - and the card also offers a modest intro APR on purchases and balance transfers.
  • Rewards. Earn 2% cash back on gas and dining in up to $1,000 in combined spending each quarter after activation. After that and on all other purchases, earn 1% back.
  • No annual fee. The card doesn't cost anything to own.
  • Intro APR. You'll enjoy a 0% APR on purchases and balance transfers for the first 6 months following account opening. After, your APR will be 12.99% to 21.99% variable.
  • Short intro period. The intro APR is rather short at six months, so you'll need to pay off your purchases quickly.
  • Balance transfer fees. You'll pay a 3% fee on balance transfers made with this card.
Annual Fee $0
Purchase APR 0% intro for the first 6 months (then 12.99% to 21.99% variable)
Balance transfer APR 10.99% intro for the first 6 months (then 12.99% to 21.99% variable)
Welcome offer Discover will match cash back at the end of your first card year
Rewards 2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases

Best secured card
Discover it® Secured

Discover it® Secured logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (300-669)
Read review
300
Min. credit score
$0
Annual fee
Up to 2%
Cash back
Other
Welcome offer
The Discover it® Secured is another generous offering from Discover, providing accelerated rewards on dining and gas for no annual fee. Secured cards don't often provide rewards, so this is a welcome addition if you're trying to rebuild your credit.
  • Rewards. Earn 2% cash back on gas and dining in up to $1,000 in combined spending each quarter after activation. After that and on all other purchases, earn 1% back.
  • No annual fee. The card doesn't cost anything to own.
  • Signup bonus. Discover will match all cash back you earned at the end of your first year.
  • Security deposit. You'll need to deposit at least $200 to start using this card.
  • Late fees. While your first late fee is waived, you'll pay up to $40 in fees on subsequent late payments.
Annual Fee $0
Purchase APR 22.99% variable
Balance transfer APR 10.99% intro for the first 6 months (then 22.99% variable)
Welcome offer Discover will match cash back earned at the end of your first card year
Rewards 2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases

Best for reward flexibility
Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (720-850)
Read review
720
Min. credit score
$0
Annual fee
Up to 3%
Cash back
$200
Welcome offer
With the Bank of America® Cash Rewards Credit Card, you'll earn 3% back on the category of your choice, which can include gas. Of course, you can swap out your chosen category each quarter, giving you some agency in how you maximize your rewards.
  • Rewards. Earn 3% cash back on the category of your choice out of six options, and 2% back on groceries and wholesale store purchases on up to $2,500 in combined purchases each quarter. After that and on all other purchases, earn 1% back.
  • No annual fee. The card doesn't cost anything to own.
  • Signup bonus. Spend $1,000 in your first 90 days and you'll receive a $200 bonus.
  • Foreign transaction fees. You'll pay a 3% fee on purchases made abroad.
Annual Fee $0
Purchase APR 0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Balance transfer APR 0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Welcome offer $200 after spending $1,000 in the first 90 days
Rewards 3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else

Best for overall travel
Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 3x
Points
20,000
Points welcome offer
If you're looking for a card that offers rewards on many kinds of travel, the Wells Fargo Propel American Express® Card is a great choice. Not only does it offer rewards on gas, but transit, flights, rideshares and even car rentals will earn you accelerated points.
  • Rewards. Earn 3x points on gas, dining, rideshares and transit, travel, hotels, car rentals, and select streaming services. On all other purchases earn 1x points.
  • No annual fee. The card doesn't cost anything to own.
  • Signup bonus. Spend $1,000 in your first 3 months and you'll receive a 20,000 point bonus.
  • Low minimum credit line. The lowest credit line you can receive with this card is $1,500, which is lower than the average of around $5,000.
  • Potentially high APR. Depending on your credit score, this card's APR runs as high as 24.99% variable.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Balance transfer APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Welcome offer 20,000 points after spending $1,000 in the first 3 months
Rewards 3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases

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 2021

Given 2020 was a weak year for travel, our top gas card picks remained mostly unchanged heading into 2021. Gas rewards and gas credit cards didn’t change much as few people were traveling. With that said, Finder’s experts are keeping an eye on these placements for 2021, as it’s expected to be a strong year for travel depending on US pandemic response.

Card nameBest for…Finder ratingAnnual fee
Sam’s Club® Mastercard®Best card for gas and dining
★★★★★
Finder rating: 3.8/5
$0
Costco Anywhere Visa® Card by CitiBest for gas and travel
★★★★★
Finder rating: 3.6/5
$0
Blue Cash Preferred® Card from American ExpressBest secured card for low APR
★★★★★
Finder rating: 4.3/5
$95
PenFed Platinum Rewards Visa Signature® CardBest for highest rewards rate on gas with a general-rewards card
Not yet rated
$0
Chevron and/or Texaco Techron Advantage Visa® CardBest gas station card
Not yet rated
$0
Discover it® Chrome for StudentsBest student card
Not yet rated
$0
Discover it® SecuredBest secured card
★★★★★
Finder rating: 4.4/5
$0
Bank of America® Cash Rewards Credit CardBest for reward flexibility
★★★★★
Finder rating: 4.6/5
$0
Wells Fargo Propel American Express® CardBest for overall travel
★★★★★
Finder rating: 4.4/5
$0

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.

Your gas-station card may also give you larger discounts as you make a certain amount of purchases each month. At the same time, it may limit the number of gallons on which you can receive a discount per fill up. To understand exactly what you’re getting for rewards, check your card’s terms and conditions.

What makes a good gas card?

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

Examples of strong gas credit cards

  • One gas card might offer 3 cents off every gallon of gas, while another might offer 6 cents off every gallon of gas. Everything else being equal, the latter card is better.
  • Normally, the base rewards rate for general credit cards is 1 point earned for every dollar spent. However, a gas card might offer 5 points per dollar you spend on fuel.

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.

Also, note that gas-station cards may be closed-loop, meaning they can only be used at gas stations owned by the affiliated oil company. Alternatively, they may be cobranded with a major payment network such as Visa or Mastercard. These cards can be used with their affiliated gas companies and anywhere else that accepts cards in their payment networks.

How do I know if I can use my gas credit card outside of the specified gas station?

Look for a payment-network logo on your card — for example. Visa or Mastercard. If you see one, you can use it outside of the specified gas station. If you don’t see one, your card is probably closed-loop.

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.
  • Combine credit cards.
    Those who spend on gas over the cashback limit could consider adding a second gas card. This way you could benefit from additional perks and you’ll make sure to always earn a top rewards rate on gas purchases.

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
The Platinum Card® from American Express
75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
Sam’s Club® Mastercard®
Get a $30 statement credit when you open a new account and make $30 in Sam's Club purchases
within 30 days.
Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases
$0
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
Costco Anywhere Visa® Card by Citi
N/A
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
$0
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 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
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Hilton Honors American Express Surpass® Card
150,000 points after spending $2,000 in the first 3 months, plus $150 after making a purchase in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$95
With a big welcome offer worth up to $750, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Terms apply, see rates & fees
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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

  • Do gas rewards expire?
    This depends on your card issuer. To make sure, give your issuer a call or read your card’s terms and conditions. For general-rewards cards, rewards typically don’t expire as long as your account remains open and in good standing.
  • Do gas-station cards have signup bonuses?
    Yes, they often have signup bonuses. Typically, you’ll receive a larger discount on gas purchases for a certain period.
  • Do I need good credit to apply for a gas credit card?
    You may be approved for a gas-station credit card even with less-than-perfect credit. But general-rewards cards typically require good to excellent credit scores.

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