Which gas stations accept credit cards? | finder.com
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Which gas stations accept credit cards?

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

If you pull into a gas station affiliated with a major fuel company, chances are you can use your credit card. There are a few exceptions, however: Only select ARCO gas stations accept credit cards.

Credit cards accepted at major gas stations

Credit card typeAccepted at ChevronAccepted at ExxonMobilAccepted at ShellAccepted at ARCO*Accepted at 76/Phillips 66
Visa
Mastercard
American Express
Discover

*Credit cards are accepted at select ARCO locations.

Our pick for use at gas stations

PenFed Platinum Rewards Visa Signature® Card

  • 0% APR promo balance transfer rate for 12 months now through March 31, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary w/the market based on prime rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • Rate and offers current as of March 1, 2019 and subject to change.
  • Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
  • Earn 3 points on supermarket purchases
  • Earn 1 point on all other purchases
  • No annual fee
  • No foreign transaction fees
  • No cash advance fee
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low as 11.99% APR
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Promoted

Compare gas credit cards

Name Product Welcome Offer Rewards Annual Fee
$200 statement credit after spending $1,000 in the first 3 months
6% at US supermarkets on up to $6,000 per year, then 1%. 3% at US gas stations and select US department stores and 1% on all other purchases
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$150 statement credit after spending $1,000 in the first 3 months
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$150 after spending $500 in the first 90 days
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus.
Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening.
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
$0
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
$150 cash back after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.

Compare up to 4 providers

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.

Best credit cards to 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.

When making our picks for best gas station credit cards, we compared several factors among eligible cards, including points or cashback earned per dollar spent, inclusion of additional reward categories, point value when redeemed, annual fees, introductory APRs and other features a consumer might weigh when looking for a reward card centered on gas stations. The cards below offer exemplary performance in one or several of these categories, earning a spot on our list.

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

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

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.
  • 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.

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

Kevin Joey Chen

Kevin Joey Chen is a credit cards writer at finder.com. He's passionate about helping you get your finances in order and build credit responsibly. Kevin has written across many personal-finance niches at finder, including cryptocurrency, personal loans, car insurance, real estate and money transfers. In his spare time, he likes to travel, read and play poker.

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