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

Blue Cash Preferred® Card from American Express

  • $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms apply.
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See Rates & Fees
Promoted

Compare gas credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
PenFed Platinum Rewards Visa Signature® Card
PenFed Platinum Rewards Visa Signature® Card
$0
11.74% to 17.99% variable
0% for the first 12 months (then 11.74% to 17.99% variable)
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
$0
17.24% variable

N/A

Earn Costco cash rewards everywhere Visa® is accepted.
$0 annual fee for the first year ($95 thereafter)
16.74% to 25.74% variable

N/A

Earn 50,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.

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.

PenFed Platinum Rewards Visa Signature® Card

PenFed Platinum Rewards Visa Signature® Card
Pick this 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

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 this card 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 Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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