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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 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.

Name Product Welcome Offer Rewards Annual fee Filter values
Capital One QuicksilverOne Cash Rewards Credit Card
1.5% cash back on all purchases
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
Blue Cash Preferred® Card from American Express
$300 statement credit after spending $3,000 in the first 6 months
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 other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Earn a $200 statement credit after spending $2,000 in the first 6 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 other purchases (redeem as statement credit)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees

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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