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Compare gas rewards credit cards

Earn rewards when you use your card to fill up your car.

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Kevin Joey Chen

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The best gas rewards credit cards offer the highest earning rate on gas purchases and solid rewards in other categories as well. The Finder credit cards experts spent over 200 hours reviewing available gas credit cards and ranked the best among them into several categories to help you choose the most valuable one for your needs.

We compared a few factors when selecting the best gas credit cards, including eligible gas stations, points or cash back earned per dollar spent, rewards point value when redeemed, annual fees, introductory APRs and other perks or features a consumer might look at when selecting a gas credit card. The cards that stood out were some of the top performers in one or several of these areas, earning spots on our list.

What are the best gas credit cards of 2025?

Best card for gas and dining

Sam's Club® Mastercard®

8 Great

Terms apply, see rates & fees
The Sam's Club® Mastercard® earns a higher rewards rate on gas purchases than most competitor cards. What's more, you earn this rate on all gas stations, not only at Sam's Club. But gas isn't the only rewards category. You earn a solid cashback rate on dining and takeout purchases, and on your Sam's Club purchases. And if you're a Sam's Club Plus member, you earn even more cash back on purchases at the store.
Welcome Offer$30
RewardsUp to 5% cash back
Annual fee$0
Minimum credit score670

Best for gas and groceries

Blue Cash Preferred® Card from American Express

8.6 Great

Go to site
Terms apply, see rates & fees
This card offers a great cashback rate on eligible gas and transit. But the real stars of the show are the even higher accelerated cash back at US supermarkets and on select US streaming subscriptions. If you spend a lot on gas but spend even more on groceries, this is the ideal everyday gas card.
Welcome Offer$250
RewardsUp to 6% cash back
Annual fee$95 after the first year intro

Best for gas and travel

Costco Anywhere Visa® Card by Citi

6.8 Standard

The Costco Anywhere Visa® Card by Citi doesn't offer quite as high a rewards rate on gas as some other credit cards. But it comes close, and it offers excellent cash back on travel, something no other gas card offers. The card can also serve as your Costco membership card, which is a convenient extra.
Welcome Offern/a
RewardsUp to 5% cash back
Annual fee$0
Minimum credit score740

Best for earning flexibility

Citi Custom Cash℠ Card

9.8 Excellent

Terms apply, see rates & fees
Read review
The Citi Custom Cash℠ Card lets you earn 5% back on your highest eligible spending category up to $500 each billing period, reverting to 1% after. Your available options naturally include gas, but also include other everyday essentials, including, dining, grocery stores, travel and home improvement stores. This makes it an excellent card to maximize your earnings without needing to worry about rotating categories.
Welcome Offer$200
RewardsUp to 5% cash back
Annual fee$0
Minimum credit score670

Best credit union gas card

PenFed Platinum Rewards Visa Signature® Card

If gas takes the biggest chunk out of your monthly budget, the PenFed Platinum Rewards Visa Signature® Card is an excellent choice. The card is a good pick for groceries as well, offering 3x points on eligible purchases and comes with a potentially low variable APR.
Welcome Offer$150 points
RewardsUp to 5x points
Annual fee$0
Minimum credit score670

Best gas station card

Chevron and/or Texaco Techron Advantage Visa® Card

Terms apply, see rates & fees
If you frequent Chevron or Texaco gas stations and can consistently earn 20 cents a gallon in Fuel Credits, this card can give you a better rewards rate than the some of the general gas rewards cards on our list. In that sense, the Chevron and/or Texaco Techron Advantage Visa® Card may be the best gas station card you'll find.
Welcome Offer$0.20
RewardsUp to 20 cents off a gallon
Annual fee$0
Minimum credit score580

Best student card

Discover it® Student Chrome

Rewards on a student card are a rarity, but the Discover it® Student Chrome delivers just that. Rewards on gas and dining are solid — though limited quarterly — and the card also offers a modest intro APR on purchases and balance transfers.
Welcome OfferOther
RewardsUp to 2% cash back
Annual fee$0
Minimum credit score580

Best secured card

Discover it® Secured

8.8 Great

The Discover it® Secured is another generous offering from Discover, providing accelerated rewards on dining and gas for no annual fee. Secured cards don't often provide rewards, so this is a welcome addition if you're trying to rebuild your credit.
Welcome OfferOther
RewardsUp to 2% cash back
Annual fee$0
Minimum credit score300

Best for reward flexibility

Bank of America® Customized Cash Rewards

9.2 Excellent

With the Bank of America® Customized Cash Rewards, you'll earn 1% back on the category of your choice, which can include gas. Of course, you can swap out your chosen category each quarter, giving you some agency in how you maximize your rewards.
Welcome Offer$200
RewardsFrom 1% cash back
Annual fee$0
Minimum credit score670

What is a gas card?

A gas credit card offers rewards when you spend on fuel. These rewards can come in the form of discounts, cash back, points or miles. For example, a gas card might give you fuel credits that reimburse you after you fill up. Another gas card might offer bonus points as you fill up, which you can redeem for flights, hotel stays and more.

Your gas-station card may also give you larger discounts as you make a set amount of purchases each month. At the same time, it may limit the number of gallons on which you can receive a discount per fill-up. To understand exactly what you’re getting for rewards, check your card’s terms and conditions.

What makes a good gas card?

Generally, the higher the savings or better the rewards, the stronger the gas card. Whether you can use the gas card at all gas stations or select gas stations also plays an important role.

Examples of strong gas credit cards

  • One gas card might offer 3 cents off every gallon of gas, while another might offer 6 cents off every gallon of gas. Everything else being equal, the latter card is better.
  • Normally, the base rewards rate for general credit cards is 1 point earned for every dollar spent. However, a gas card might offer 5 points per dollar you spend on fuel.

Two types of credit cards with benefits on gas purchases

There are two major types of credit cards with gas rewards.

Gas station credit cards

These cards give you discounts or rebates for gas. Most major oil companies — Shell, BP, Chevron, ExxonMobil and the like — offer their own credit cards.

  • Here’s an example of a discount:
    When you use your card at the pump, you’ll automatically save 10 cents per gallon of gas you buy.
  • Here’s an example of a rebate:
    When you use your card for non-gas purchases, you’ll earn gas rebates at a 1% rate. After you use your card for eligible gas, your rebates will be redeemed automatically for statement credit.

General-rewards credit cards

These cards aren’t affiliated with specific gas companies, but they offer elevated rewards on general gas purchases.

  • For example: A card might offer 4% cash back on gas, which is an excellent rate. It might also offer elevated rewards in different categories, such as travel and dining.

Some rewards credit cards may limit the number of gas purchases you earn elevated rewards on, such as $6,000 annually. Once you’ve reached that threshold, your gas purchases will typically earn rewards at the base rewards rate — usually 1%.

After you accumulate rewards, you can often redeem them for statement credit, bank deposits, gift cards, travel, merchandise or other options your credit card issuer offers.

Some gas rewards restrict where you can earn rewards

Gas station cards may be closed-loop, meaning they can only be used at gas stations owned by the affiliated oil company. Alternatively, they may be cobranded with a major payment network such as Visa or Mastercard. These cards can be used with their affiliated gas companies and anywhere else that accepts cards in their payment networks.

Gas credit cards vs. general rewards credit cards

Gas credit cardRewards credit card
Can often only be used at gas stations affiliated with a single company.
Can be used almost anywhere.
May offer instant discounts on gas purchases.
Allows you to accumulate rewards that you can redeem later.
Typically has higher interest rates.
May offer lower interest rates. May also offer promotional interest rates on purchases and balance transfers.
Potentially low credit limit.
Chance for a higher starting credit limit.
Typically, no rewards on gas purchases with other gas stations.
Earn rewards on all gas purchases.
Usually requires good to excellent credit.

How do I choose a gas credit card?

Gas benefits are likely most important to you, but other features of each card — such as fees and additional perks — might factor into your decision.
  • Decide whether you want to be tied to a specific gas-station brand. If you get fuel with one company, a gas-station card might offer attractive benefits. Otherwise, you might like a general-rewards card you can use at different gas stations.
  • Initial bonus. For a gas-station credit card, you might receive more fuel credits or a bigger discount on gas purchases during an initial period. For a general-rewards card, you might receive a welcome bonus for spending a set amount on your card within a specified period.
  • APR. Gas-station cards tend to have very high APRs. Consider paying off your balance in full each month to avoid expensive finance charges if you end up going with one.
  • Annual fee. If you want to save money, an annual fee might not be worth paying. Look for a card with a low or $0 annual fee. If a card has an annual fee, calculate if your potential for rewards earned will offset the card’s cost.
  • Other rewards and perks. While your primary goal is to find a credit card that will reward you for gas purchases, any other rewards you receive will only sweeten the deal. A general-rewards card is more likely to offer elevated rewards in additional categories.

How to maximize your gas rewards

  • Choose a gas card based on nearby gas stations. It may not be worth burning fuel to drive to a gas station that’s out of the way. If there are no credit cards affiliated with gas stations near you, choose a general-rewards product that pays rewards on all gas purchases, regardless of the brand.
  • Watch out for gas stations that charge more for credit-card purchases. Many gas stations charge different prices for cash and credit-card purchases. Cash purchases get a discount, while credit card purchases are charged a few cents more per gallon.
  • Buy all your fuel with your gas card. You’ll save the most money — and earn the most rewards — when you make your gas purchases exclusively with your gas card.
  • Combine credit cards. Those who spend on gas over the cashback limit could consider adding a second gas card. This way you could benefit from additional perks and you’ll make sure to always earn a top rewards rate on gas purchases.

Should I get a gas card?

Strongly consider getting a gas credit card if both of these apply to you:

  • You spend a lot on gas each month. A gas credit card will give you a big break on gas costs if you spend several hundred dollars or more each month on gas.
  • You pay your balance in full each month. Pay special attention if you have a gas-station card, as it likely has a very high APR. Paying your balance in full every month lets you avoid paying interest on your purchases. If you carry a balance from month to month, however, you’ll accrue finance charges that will offset your gas rewards.

How to choose the best gas credit card for bad credit

The available choices for gas cards are rather slim if you have bad credit. To make picking the right card easier, you’ll want to make your decision based on a few factors:

  • Can you afford an annual fee? An annual fee can eat into your rewards and can hurt if you have poor credit. If you decide to pay for a card, consider whether the rewards will outweigh the cost.
  • Do you want to redeem on travel? Though unusual for a secured card, the LATAM offering earns points you can redeem on travel through a variety of airlines. It can pay to go with the LATAM Visa Secured if you often fly with Oneworld Alliance airlines or plan on continuing to build LATAM points after you’ve rebuilt your credit score.
  • Are you spending on more than just gas? The cards from Discover and SunTrust each offer accelerated cash back on gas and one other category. Consider where you typically spend, and whether it’ll bring you bonus rewards. The SDFCU and LATAM cards don’t offer accelerated rewards, but you’ll earn at least 1 point per dollar you spend on all purchases.

Prioritize your credit score first and rewards second

Gas rewards should be lower on your priority list when it comes to picking a secured card. That goes for all rewards, in fact. If your main goal is to build your credit score, you should prioritize a card with the terms that fit your financial circumstances, even if it doesn’t offer gas rewards. For most consumers, this will include the following attributes.

  • A modest or achievable security deposit.
  • The card reports to all three major credit bureaus.
  • As few card fees as possible.
  • As few penalties as possible.
  • A path to a credit limit increase or card upgrade.

If a gas rewards secured card checks all of these boxes for you, or there are some features you don’t especially care about (such as card upgrades), then feel free to shoot for that card. Just remember: a non-secured gas card will earn you bigger rewards than a secured version, so getting your credit to a place where you can take your pick of powerful gas cards should be your top priority.

Compare rewards cards

Want a close look at your reward options? Select your credit score from the options below and hit “Show cards” to start comparing side-by-side.

5 of 10
Product Finder Score Welcome Offer Rewards Annual fee
Luxury Card Mastercard® Black Card™ image
Finder score
6.6 Standard
Luxury Card Mastercard® Black Card™
Finder score
6.6 Standard
N/A
Up to 1x points
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more. See rates & fees
Go to site More info
Compare product selection
Blue Cash Preferred® Card from American Express image
Finder score
8.6 Great
Blue Cash Preferred® Card from American Express
Finder score
8.6 Great
$250 statement credit after spending $3,000 in eligible purchases in the first 6 months
Up to 6% cash back
$0 intro annual fee for the first year ($95 thereafter)
Earn a $250 statement credit after you spend $3,000 in eligible 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
Go to site More info
Compare product selection
Blue Cash Everyday® Card from American Express image
Finder score
9.2 Excellent
Blue Cash Everyday® Card from American Express
Finder score
9.2 Excellent
Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.
Up to 3% cash back
$0
Earn $200 statement credit after spending $2,000 in the first 6 months on Amex’s flagship everyday cashback card. Terms apply, see rates & fees
Go to site More info
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The Platinum Card® from American Express image
Finder score
8.8 Great
The Platinum Card® from American Express
Finder score
8.8 Great
Apply to see if you’re eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases in your first 6 months. Note that welcome offers vary. You may not be eligible for an offer.
Up to 5x points
$695
You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new card in your first 6 months of card membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the card, your score may be impacted. Terms apply, see rates & fees
Go to site More info
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Hilton Honors American Express Surpass® Card image
Finder score
9 Excellent
Hilton Honors American Express Surpass® Card
Finder score
9 Excellent
130,000 Hilton Honors Bonus Points after you spend $3,000 in the first 6 months. Offer Ends 8/13/2025.
Up to 12x points
$0 intro annual fee for the first year ($150 thereafter)
130,000 Hilton Honors Bonus Points after you spend $3,000 in the first 6 months. Offer Ends 8/13/2025. Terms apply, see rates & fees
Go to site More info
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How the Finder Score helps you find a better credit card

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each credit card in our database of hundreds based on a data-driven methodology with 3 main criteria: Does the card offer rewards? Does the card have an annual fee? What's the card APR%?

Bottom line

A gas credit card is a smart choice if you’re constantly filling up. Consider a gas-station card if you buy fuel with one company. Otherwise, a general-rewards card may be a better pick.

If you’re not sure if a gas credit card is right for you, check out other rewards cards.

Kevin Joey Chen's headshot
Writer

Kevin Chen is a personal finance expert and a former writer at Finder. His expertise has been featured in CNN, U.S. News and World Report, Lifehacker and CreditCards.com, among other top media. See full bio

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