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Which gas stations accept credit cards?

You can usually pay with your card to get gas — with one notable exception.

Nearly every gas station out there accepts credit cards. There is a notable exception however: Only select ARCO gas stations accept credit cards. Here’s a quick breakdown of which gas stations accept which credit cards.

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 March 2022, only select ARCO stations in Washington, Oregon and Northern California 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 atVisaMastercardAmerican ExpressDiscoverDebit cards
76/Phillips 66checkmarkcheckmarkcheckmarkcheckmarkcheckmark
Kwik Tripcheckmarkcheckmarkcheckmarkcheckmarkcheckmark
Circle Kcheckmarkcheckmarkcheckmarkcheckmarkcheckmark

*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.

1 - 3 of 40
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Up to 1.25x miles
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Capital One Quicksilver Cash Rewards Credit Card
$200 cash bonus after you spend $500 on purchases within 3 months from account opening
Up to 1.5% cash back
More than an unlimited 1.5% cash back card: you'll also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).
Instacart Mastercard®
Instacart Mastercard®
Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply
Up to 5% cash back
Not just for Instacart, this card also offers competitive cash back in everyday categories like dining and gas.

Compare up to 4 providers

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.

Bottom line

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

  • What is a gas credit card?
    A gas credit card offers bonus rewards or discounts on fuel purchases.
  • Will I receive a signup bonus with my gas credit card?
    Not all gas cards have signup bonuses, but many do. A general rewards card usually offers significant rewards after you meet a spending requirement. A gas-station card typically offers steeper discounts on fuel for an initial period.
  • Can I apply for a gas card with fair credit?
    With fair credit, you have a better chance of being approved for a gas-station card — a card issued by a major gas chain such as Chevron/Texaco or ExxonMobil. For a general-rewards card, you’ll have better odds with a good to excellent credit score.

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