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Compare gas credit cards for bad credit

A few secured cards offer accelerated rewards on gas.

Updated

Fact checked

With poor credit, you may find it very difficult to be approved for a credit card. However, secured cards may offer better chances — and a few even offer bonus rewards on gas.

We looked for cards accessible to consumers with bad credit, and that offered rewards for gas. We gave heavier weight to cards with lower fees and better interest rates.

Best gas credit cards for bad credit

If you have bad credit, it’s highly advisable to stick with secured cards. Unsecured cards that you qualify for will likely have very high fees and interest rates.

Best for signup bonus and no annual fee
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 consistently superb Discover it® Secured offers a solid rewards rate on gas and has arguably the best signup bonus among secured cards. As a cardholder, you can check your TransUnion FICO score for free each month. Discover will also review your account monthly starting at eight months to see if it can return your security deposit while you continue using your card.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%.
  • 1% cash back on all other purchases.
  • First-year cashback match.
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 overall rewards
SunTrust Secured Credit Card with Cash Rewards

SunTrust Secured Credit Card with Cash Rewards logo
Credit recommended (300-669)
Read review
This card and the SunTrust Secured Credit Card with Cash Rewards offer the same bonus rewards rate on gas. However, the SunTrust Secured Credit Card with Cash Rewards has a higher annual spending cap for bonus cash back. Furthermore, its second bonus category is groceries, which can be more useful for everyday spending. Take its annual fee into account, though, which is $32.
  • 2% cash back on up to $6,000 spent each year on qualifying gas and grocery purchases, then 1%.
  • 1% cash back on other qualifying purchases.
  • Free monthly FICO score.

Best for low APR
SDFCU Savings Secured Visa Platinum Card

SDFCU Savings Secured Visa Platinum Card logo
Credit recommended (300-579)
Read review
300
Min. credit score
$0
Annual fee
Up to 1x
Points
n/a
Welcome offer
This card offers 1 Flexpoint per dollar you spend, including on gas. There's no annual fee, and you'll get an APR on all balances of 11.99% variable. That's a very low rate for a secured card. Products of this type usually come with APRs above 20%.
  • No annual fee.
  • 1x Flexpoint for every dollar you spend.
  • 11.99% variable APR on all balances.
Annual Fee $0
Purchase APR 11.99% variable
Balance transfer APR 11.99% variable
Welcome offer N/A
Rewards 1x points on all purchases

Best for airline rewards
LATAM Visa® Secured Card

LATAM Visa® Secured Card logo
Credit recommended (300-)
Rates & fees

300
Min. credit score
$25 ongoing
Annual fee
Up to 1x
Points
5,000
Points welcome offer
You'll earn 1x LATAM Airlines point per dollar you spend, including on gas. As you accumulate points, you can later redeem them for LATAM flights. And because the airline is part of the Oneworld Alliance, you can use your rewards for flights on airlines such as British Airways, Cathay Pacific and Iberia.
  • $0 intro annual fee for the first card year, then $25.
  • 1x points on all purchases.
  • 5,000 points after you use your card for the first time.
  • 10% discount on your first LATAM purchase, with a maximum of $500 per calendar year.
Annual Fee $0 intro annual fee for the first year ($25 thereafter)
Purchase APR 22.99% variable
Balance transfer APR 22.99% variable
Welcome offer 5,000 bonus points after your first card use
Rewards

How to choose the best gas credit card for bad credit

Your available choices for gas cards are rather slim if you have bad credit. To make picking the right card easier, you’ll want to make your decision based on a few factors:

  • Can you afford an annual fee?
    An annual fee can eat into your rewards and can hurt if you have poor credit. If you decide to pay for a card, consider whether the rewards will outweigh the cost.
  • What are your reasons for using the credit card?
    If your main goal is to build your credit score, you should prioritize a card with better terms, even if it doesn’t offer gas rewards.
  • Are you spending on more than just gas?
    The cards from Discover and SunTrust each offer accelerated cash back on gas and one other category. Consider where you typically spend, and whether it’ll bring you bonus rewards. The SDFCU and LATAM cards don’t offer accelerated rewards, but you’ll earn at least 1 point per dollar you spend on all purchases.

Is a gas credit card for bad credit right for me?

Gas rewards should be lower on your priority list when it comes to picking a secured card. That goes for all rewards, in fact. But if your credit score is good enough to qualify for a variety of secured cards and your spend frequently on gas, such a card could be a good value play.

Compare gas credit cards for bad credit

If you’re looking for a closer look of your options, select the cards below and click Compare for a side-by-side comparison.

Name Product Welcome offer Rewards Annual fee Filter values
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.
Credit One Bank® Unsecured Visa® for Rebuilding Credit
N/A
1% cash back on all purchases on eligible purchases
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Universal Premium Mastercard®
N/A
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
ARCO Business Solutions Mastercard
ARCO Business Solutions Mastercard
Up to $180
This card offers spending flexibility, the freedom to use the cards wherever you need, detailed cost analysis, individual card control, and incremental rebates that deliver more for your fleet management system.
BP Business Solutions Mastercard®
N/A
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.
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Compare up to 4 providers

Bottom line

If you have a bad credit score and want a credit card, a secured card is your best bet. You can slowly rebuild your credit and eventually upgrade to an unsecured card.

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