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Which gas stations accept credit cards?
You can usually pay with your card to get gas — with one notable exception.
Updated . What changed?
Most major gas stations accept credit cards
At most major gas-station chains, you can use your credit card — whether it’s from Visa, Mastercard, American Express or Discover.
A notable exception is ARCO. ARCO only allows you to pay for gas using your debit card or cash — not your credit card. This long-standing policy helps the company save on credit card processing fees.
Recently, the chain has experimented with accepting credit cards at select locations. As of January 2021, only select ARCO stations in Washington, Oregon, Fresno and Las Vegas accept credit cards. The ARCO website doesn’t list these locations, so give your local ARCO a ring ahead of time if you need to pay with a credit card.
Credit cards accepted at major gas stations
|Accepted at||Visa||Mastercard||American Express||Discover||Debit cards|
*Credit cards are accepted at select ARCO locations.
Consider these credit cards for use at gas stations
When choosing a gas credit card, look for a product that offers bonus rewards on fuel. Your ideal card might also offer elevated rewards for other categories that you spend heavily in. To see the full list of cards that earn accelerated rewards on gas, visit our guide on gas rewards credit cards.
The cards below highlight some options if you’re looking to earn extra points at the pump.
Up to 10x points
The Platinum Card® from American Express
Finder rating: 4.4/5
Up to 5% cashback
Sam’s Club® Mastercard®
Finder rating: 3.8/5
Up to 4% cashback
Costco Anywhere Visa® Card by Citi
Finder rating: 3.6/5
Up to 3% cashback
Blue Cash Preferred® Card from American Express
Finder rating: 4.3/5
Compare gas credit cards
Do I need a gas station credit card?
Not necessarily. Many “everyday” rewards cards include gas as a category in their offered rewards, usually around 3% back on your gas purchases. The main advantage to getting a gas-specific rewards card is higher earning rate on those gas purchases. The tradeoff is you’re usually restricted to certain gas stations, or there’s an earning cap on your maximum gas rewards each year.
No matter where you go, you shouldn’t have a problem using your credit card to fill up your tank. To make sure you earn the most rewards on your pit stops, compare the best gas credit card options available and pick one that best suits your needs.
Look for a gas card that will reward you for your fuel spending. Alternatively, look for a strong rewards product.
Frequently asked questions
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