Which gas stations accept credit cards?

Credit cards accepted at major gas stations

Credit card type	Accepted at Chevron	Accepted at ExxonMobil	Accepted at Shell	Accepted at ARCO*	Accepted at 76/Phillips 66
Visa
Mastercard
American Express
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*Credit cards are accepted at select ARCO locations.

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Blue Cash Preferred® Card from American Express		$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)	6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases	$0 intro annual fee for the first year ($95 thereafter)		Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express		20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe	20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases	$0		This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Flex℠		$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year	5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases	$0		Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.	Apply now View details	Compare	loading Fetching your data...
Citi® Double Cash Card		N/A	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)	$0		Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Unlimited®		$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	$0		This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Apply now View details	Compare	loading Fetching your data...
Citi Premier® Card		60,000 points after spending $4,000 in the first 3 months	3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else	$95		Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.	Apply now View details	Compare	loading Fetching your data...
Grand Reserve™ World Mastercard®		50,000 points after spending $3,000 in the first 90 days	5x points at Grand Reserve Partners, 3x points at any winery, wine club, wine shop, restaurant or bar and 2x everywhere else. Plus an additional 2x points at the wine merchant you spend the most each month.	$149		Earn 5x points at Grand Reserve Partners, 3x points at any winery, wine club, or wine shop, and 2x everywhere else.	Apply now View details	Compare	loading Fetching your data...
Costco Anywhere Visa® Card by Citi		N/A	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	$0		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.	Apply now View details	Compare	loading Fetching your data...
Citi Rewards+℠ Card		Earn 15,000 points after spending $1,000 in the first 3 months	Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases	$0		Get 2x points on restaurants and gas with this unique no-annual-fee card. Your rewards round up to the nearest 10 points for each purchase!	Apply now View details	Compare	loading Fetching your data...
Petal® 2 "Cash Back, No Fees" Visa® Credit Card		N/A	Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments	$0		Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.	Apply now View details	Compare	loading Fetching your data...
Hilton Honors American Express Surpass® Card		130,000 points after spending $2,000 in the first 3 months	12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	$95		With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Amalgamated Bank of Chicago Platinum Rewards Mastercard®		$150 after spending $1,200 in the first 90 days	1x points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points	$0		Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days	Apply now View details	Compare	loading Fetching your data...
Synchrony Car Care™ credit card		N/A	N/A	$0		Instead of rewards, this no-annual-fee card offers promotional financing for six months on car services over $199.	See offer View details	Compare	loading Fetching your data...

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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, where you usually can use your debit card but 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. If you’re not sure if your local ARCO gas station does, just give it a ring.

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.

The cards below highlight some options if you’re looking to earn extra points at the pump.

PenFed Platinum Rewards Visa Signature® Card

Pick the PenFed Platinum Rewards Visa Signature® Card if you want the highest gas rewards rate among general-rewards products. It’s also a strong choice for grocery rewards.

• No annual fee.
• 5x points on gas at the pump.
• 3x points on groceries; 1x points on everything else.

Costco Anywhere Visa® Card by Citi

Apply now

The Costco Anywhere Visa® Card by Citi offers great gas rewards combined with strong dining and travel rewards.

• No annual fee with a paid Costco membership.
• 4% cash back on eligible gas for the first $7,000 per year in purchases, then 1%.
• 3% cash back on dining and travel; 2% cash back at Costco and Costco.com; 1% cash back on everything else.

Blue Cash Preferred® Card from American Express

Apply now

Consider the Blue Cash Preferred® Card from American Express if you spend a lot on gas, but spend even more on groceries. It has an annual fee, so check whether you’ll earn enough rewards to offset the cost.

• $95 annual fee starting the second year. (see rates & fees) This offer ends on December 10, 2020.
• 6% cash back at US supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% cash back at US gas stations; 1% cash back on other eligible purchases.
• Earn 6% on select US streaming services.
• Earn 3% on transit purchases.

Bottom line

Fuel might be one of your most consistent purchases, in which case a credit card could be very helpful. The good news is most major gas stations accept credit cards.

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.