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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

Our pick for use at gas stations: Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi logo

Up to 4%

Cash back

  • One of the most well-rounded cashback cards
  • 4% on gas on up to $7,000, then 1%
  • 3% on restaurants and travel
  • 2% at Costco
Apply now
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 type Accepted at Chevron Accepted at ExxonMobil Accepted at Shell Accepted at ARCO* Accepted at 76/Phillips 66
Visa
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Mastercard
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American Express
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Discover
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*Credit cards are accepted at select ARCO locations.

Compare gas credit cards

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
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
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.
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.
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.
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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.

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

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

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.

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