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Compare gas credit cards for bad credit

These 5 secured cards offer accelerated rewards on gas.

With poor credit — a credit score hovering around 500 to 600 — your primary focus should include rebuilding your credit score. With that said, there’s still opportunity to build your credit while earning back rewards on essentials, including gas. Here are four credit building cards that can also earn you some cash back on your gas purchases.

Best gas credit cards for bad credit

If you have bad credit, your largest and safest selection of viable credit building cards are secured credit cards. Unsecured credit building cards are rare, though have begun creeping onto the market in greater numbers since 2020.

Best for cash back

Capital One Quicksilver Secured Cash Rewards Credit Card

Apply now
on Capital One Bank®'s secure site
The Capital One Quicksilver Secured Cash Rewards Credit Card is a powerful new secured card that earns 1.5% cash back on all purchases. This is a terrific cash back rate for a secured credit card and one that few other secured cards can match.

Best for signup bonus and no annual fee

Discover it® Secured

Finder rating 4.4 / 5 ★★★★★

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.

Best for overall rewards

SunTrust Secured Credit Card with Cash Rewards

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.

Best for low APR

SDFCU Savings Secured Visa Platinum Card

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 13.74% variable. That's a very low rate for a secured card. Products of this type usually come with APRs above 20%.

Best for airline rewards

LATAM Visa® Secured Card

Terms apply, see rates & fees
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.

How to choose the best gas credit card for bad credit

The 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.
  • Do you want to redeem on travel? Though unusual for a secured card, the LATAM offering earns points you can redeem on travel through a variety of airlines. It can pay to go with the LATAM Visa Secured if you often fly with Oneworld Alliance airlines or plan on continuing to build LATAM points after you’ve rebuilt your credit score.
  • 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.

Prioritize your credit score first and rewards second

Gas rewards should be lower on your priority list when it comes to picking a secured card. That goes for all rewards, in fact. If your main goal is to build your credit score, you should prioritize a card with the terms that fit your financial circumstances, even if it doesn’t offer gas rewards. For most consumers, this will include the following attributes.

  • A modest or achievable security deposit.
  • The card reports to all three major credit bureaus.
  • As few card fees as possible.
  • As few penalties as possible.
  • A path to a credit limit increase or card upgrade.

If a gas rewards secured card checks all of these boxes for you, or there are some features you don’t especially care about (such as card upgrades), then feel free to shoot for that card. Just remember: a non-secured gas card will earn you bigger rewards than a secured version, so getting your credit to a place where you can take your pick of powerful gas cards should be your top priority.

Compare gas credit cards for bad credit

There aren’t a great number of gas credit cards for bad credit on the market, so comparing them side-by-side is a simple way to see which one works best for your needs. For a closer look, select up to four credit cards and click Compare for a side-by-side comparison.

Name Product Welcome Offer Rewards Annual fee Filter values
Credit One Bank® Platinum Visa®
N/A
1% cash back on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services
$39
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services.
Credit One Bank® NASCAR® Credit Card
N/A
2% cash back rewards at the NASCAR Shop and 1% back on eligible gas and automotive purchases
$39 to $99
Earn 2% cash back rewards at the NASCAR Shop and 1% back on eligible gas and automotive purchases.
Credit One Bank® Platinum Visa® for Rebuilding Credit
N/A
1% cash back rewards on eligible gas, groceries, mobile phone, internet, cable and satellite TV services
$75 intro annual fee for the first year ($99 thereafter)
An unsecured card for building credit with 1% cash back on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services.
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Bottom line

You have a few card options for earning rewards on gas while rebuilding your credit score. However, make sure you prioritize rebuilding your credit over any potential rewards. If there aren’t any cards here that meet your needs, check out other secured cards to find a wider assortment.

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