These gas stations accept credit cards in 2021 |

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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?

Fact checked
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 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 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.

The Platinum Card® from American Express logo

Up to 10x points

The Platinum Card® from American Express

Finder rating: 4.4/5
Sam’s Club® Mastercard® logo

Up to 5% cashback

Sam’s Club® Mastercard®

Finder rating: 3.8/5
Costco Anywhere Visa® Card by Citi logo

Up to 4% cashback

Costco Anywhere Visa® Card by Citi

Finder rating: 3.6/5
Blue Cash Preferred® Card from American Express logo

Up to 3% cashback

Blue Cash Preferred® Card from American Express

Finder rating: 4.3/5

Compare gas credit cards

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
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
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
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
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.

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.

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