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Show More Less Show More LessAs gas prices continue to fluctuate, one of your best options for saving on everyday spending could be a gas credit card. Gas purchases account for roughly $2,000 of the average consumer’s annual spending, making gas credit cards a worthwhile way to earn rewards.
All the best credit cards for gas earn points or cash back that can offset your gas spending, but deciding which one is right for you can be difficult. We’ll walk you through your options to help you see which cards are worth the pit stop.
As gas prices continue to fluctuate, one of your best options for saving on everyday spending could be a gas credit card. Gas purchases account for roughly $2,000 of the average consumer’s annual spending, making gas credit cards a worthwhile way to earn rewards.
All the best credit cards for gas earn points or cash back that can offset your gas spending, but deciding which one is right for you can be difficult. We’ll walk you through your options to help you see which cards are worth the pit stop.
Additional Options:
Our rating: 4.6 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees , Terms Apply Add to compare Apply now at American Express's secure site6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% 6% Cash Back on select U.S. streaming subscriptions.
3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3% 3% Cash Back at U.S. gas stations
1% 1% Cash Back on other purchases
Intro offer Earn $250 More information Close Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Annual fee $0 intro annual fee for the first year, then $95. Regular APR 19.24% - 29.99% variable
Recommended credit 670-850 (Good to Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
See if you’re pre-approved for this card using our CardMatch tool.
Editor's takeOur rating: 4.6 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Rewards Value: 5.0 Annual Percentage Rate: 1.0 Rewards Flexibility: 3.0 Features: 3.0 Issuer Customer Experience 5.0The Blue Cash Preferred Card is one of the most lucrative cards on the market due to its exceptional cash back program, offering a competitive 3% cash back at U.S. gas stations and transit; 6% back at U.S. supermarkets (up to $6,000 in purchases a year, then 1%); 6% back on select U.S. streaming subscriptions; and a $250 statement credit after you spend $3,000 in eligible purchases within the first six months of card membership.
On top of that, the Blue Cash Preferred card also offers new cardholders an intro APR on new purchases and balance transfers.
For families who shop and stream, this card offers plenty of opportunity to put money back into your pocket and offset the ongoing $95 annual fee ($0 intro annual fee for the first year).
Card details
Our rating: 4.6 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Add to compare Apply now at Discover's secure site2% Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1% Earn unlimited 1% cash back on all other purchases.
Intro offer Cashback Match More information Close Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. Annual fee $0 Regular APR 18.24% - 28.24% variable
Recommended credit 670-850 (Good to Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Editor's takeOur rating: 4.6 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Introductory offer 4.0 Rates & fees 5.0 Features 3.0 Issuer Customer Experience 2.0If you have good to excellent credit and want a card with no annual fee, this gives you 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases quarterly, then 1%) and the issuer promises to match cardholders’ rewards earnings at the end of the card’s first year – a potentially lucrative deal for people who use this as their everyday card.
Cardholders also aren’t charged a late fee the first time they miss a payment (after your first late payment, an up to $41 late fee applies) and they won’t get hit with a massive penalty rate if they repeatedly fall behind.
This card offers a host of benefits for people with good to excellent credit that focus and has no annual fee, but the rewards rate for gas station purchases is lower than many competitors in its class.
Card details
Our rating: 4.1 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Add to compare Apply now at Discover's secure site2% Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1% Earn unlimited 1% cash back on all other purchases.
Intro offer Cashback Match More information Close Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. Annual fee $0 Regular APR 18.24% - 27.24% variable
Recommended credit (No Credit History) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Editor's takeOur rating: 4.1 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Introductory Offer 4.6 Interest and Fees 4.7 Rewards Program 1.9 Features 3.0 Issuer Customer Experience 5.0This no annual fee card offers 2% cash back at gas stations and restaurants for up to $1,000 in combined purchases per quarter (then 1%) and 1% on all other purchases. Plus, all the cash back you earn is matched at the end of your first year thanks to Discover. Students can also enjoy an intro APR offer on new purchases and no penalty fee for the first late payment (After that, up to $41.).
In addition, this card provides access to Discover’s credit building tools.
The Discover it® Student Chrome card might just be the best student card available thanks to its flexible rewards program and forgiveness when it comes to paying your balance.
Card details
Our rating: 2.3 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Add to compare Apply now at Citi's secure site4% 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3% 3% cash back on restaurants and eligible travel purchases
2% 2% cash back on all other purchases from Costco and Costco.com
1% 1% cash back on all other purchases
Recommended credit 740-850 (Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Editor's takeOur rating: 2.3 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Rewards Value: 2.6 Annual Percentage Rate: 3.6 Rewards Flexibility: 2.3 Features: 3.0 Issuer Customer Experience 3.0This card is quite gratifying to users, offering 4% cash back on eligible gas and EV charging purchases (that’s for the first $7,000 per year, then it’s 1% back after that), 3% back at restaurants and eligible travel purchases, as well as a solid 2% back for Costco purchases. While this card is extremely beneficial to existing Costco members, non-members will need to pay the $60 yearly membership fee to avoid incurring an annual fee.
Although not the most well-rounded card, the Costco Anywhere Visa Card by Citi offers strong rewards earnings for existing Costco members on a variety of categories.
Card details
Our rating: 3.7 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Add to compare Apply now at Credit One Bank's secure site5% 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter.
1% 1% cash back rewards on all other purchases, terms apply.
Recommended credit 580-740 (Fair to Good) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Editor's takeOur rating: 3.7 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Cost of Membership 3.5 Ease of Building Credit 3.4 Features 0.0This credit card offers a better-than-most rewards program for a card that’s available to people with fair credit, allowing cardholders to earn 5% cash back on eligible gas, groceries, cell phone services, internet, and cable or satellite TV service purchases (on first $5,000 in spending per year, then 1%), and 1% cash back on all other purchases. In addition, this card has a high variable APR, which you can avoid by not carrying a balance.
This card is a great choice for those looking to earn rewards and build credit but may not qualify for a top-tier rewards credit card.
Card details
Our rating: 3.9 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Add to compare Apply now at Capital One's secure site5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5% Earn unlimited 1.5% cash back on every purchase, every day
Recommended credit 580-740 (Fair to Good) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Editor's takeOur rating: 3.9 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Cost of Membership 5.0 Ease of Building Credit 3.0 Features 5.0If you don’t prefer to keep track of rotating categories and would rather earn a flat-rate cash back on all purchases, the Capital One QuicksilverOne Cash Rewards Credit Card is an excellent choice, offering 1.5% cash back not only on gas, but on all purchases, no matter the category.
This user-friendly cash back card offers people with fair credit many of the same benefits as cards for consumers with excellent credit, including an unlimited cash bonus on every purchase and card benefits such as fraud coverage ($0 Fraud Liability for unauthorized charges) and identity theft protection.
This card is a strong choice for those with fair credit that still want to receive flat-rate cash back rewards on all eligible purchases, but the $39 annual fee is important to keep in mind.
Card details
Our rating: 3.9 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Add to compare Apply now at Citi's secure site5X Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
2X Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1X Earn 1X ThankYou® Points on All Other Purchases.
Intro offer 20,000 points More information Close Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Annual fee $0 Regular APR 18.74% - 28.74% variable
Recommended credit 670-850 (Good to Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Editor's takeOur rating: 3.9 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Rewards Value: 3.6 Annual Percentage Rate: 3.0 Rewards Flexibility: 3.0 Features: 2.0 Issuer Customer Experience 3.0The Citi Rewards+ Card offers a unique rewards rate that makes it easy to rack in those bonus points, offering 2X points at gas stations and supermarkets (on up to $6,000 in purchases each year, 1X thereafter) and a 20,000 point sign-up bonus after you spend $1,500 in the first three months of membership (redeemable for $200 in gift cards at thankyou.com). Plus, as a special offer, earn 5 ThankYou® Points per dollar spent on hotel, car rentals, and attractions (excluding air travel) booked on the CitiTravel.com (offer ends 12/31/25). One of the most valuable features of the Citi Rewards+ Card is the round up feature, which rounds ThankYou points earned on every purchase up to the nearest 10 (meaning a $1.29 pack of gum is worth a full 10 points).
This card also includes a 0% introductory APR offer for 15 months from the date of your account opening on purchases and on balance transfers for 15 months from the date of your first transfer (18.74% to 28.74% variable APR thereafter), making it easy to avoid interest charges if you need to pay down some debt or make a large purchase to pay off over time in the first year.
The Citi Rewards+ Card is a solid option for those looking to get rewarded for everyday purchases, even small ones due to its unique round up feature.
Card details
Our rating: 4.1 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Add to compare Apply now at Discover's secure site2% Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1% Earn unlimited 1% cash back on all other purchases.
Intro offer Cashback Match™ More information Close Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match. Annual fee $0 Regular APR 28.24% variable
Recommended credit (No Credit History) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Editor's takeOur rating: 4.1 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Cost of Membership 5.0 Ease of Building Credit 3.3 Features 2.5The Discover it® Secured Credit Card provides tools that can help you stay on track financially and maximize your savings while offering generous rewards and benefits. With this card, you can earn 2% back at gas stations and restaurants (up to $1,000 in combined purchases quarterly, then 1%) and 1% on all other purchases and your cash back is matched at the end of your first year of card membership.
This card starts you off with a decently sized credit line (as high as $2,500) – if you can foot the deposit. Discover also promises to automatically review your account on a monthly basis starting at seven months to see if you qualify to graduate to an unsecured line of credit, meaning you could have your deposit fully refunded while enjoying the benefits of Discover’s cash back rewards program.
People with limited credit history can see major benefits from this card, which may be one of the best in its class, due to its unique credit-building features and rewards structure.
Card details
Our rating: 3.2 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Add to compare Apply now at Credit One Bank's secure site2% 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Recommended credit 670-850 (Good to Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Editor's takeOur rating: 3.2 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Cost of Membership 5.0 Ease of Building Credit 3.4 Features 2.4This no annual fee card offers 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services. For those with fair to good credit, this card also offers credit monitoring features and the ability to choose your monthly payment due date for added convenience.
This is a solid starter card for those with fair to good credit looking to receive rewards on gas and grocery purchases, although the relatively high APR is something to watch out for.
Card details
Our rating: 4.3 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees , Terms Apply Add to compare Apply now at American Express's secure site7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X Earn 3X Points for all other eligible purchases on your Card.
Intro offer Earn 80,000 points More information Close Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Annual fee $0 Regular APR 20.99% - 29.99% variable
Recommended credit 670-850 (Good to Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Editor's takeOur rating: 4.3 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Rewards Value: 4.3 Annual Percentage Rate: 3.0 Rewards Flexibility: 4.0 Features: 3.0 Issuer Customer Experience 5.0For those who regularly access Hilton’s worldwide network of properties, this is a strong choice that offers 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations and 3X for all other eligible purchases on your card.
You can also enjoy complimentary Hilton Honors Silver status with this card. Plus, spend $20,000 on eligible purchases on your card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year. In addition, you will not be subject to an annual fee or foreign transaction fees.
For individuals who stay at Hilton properties multiple times each year, this card offers a generous number of bonus points on hotel and everyday purchases.
Card detailsAll information about the Wells Fargo Propel American Express® card and My GM Rewards Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Why we picked it: The Blue Cash Preferred Card is one of the most lucrative cards on the market thanks to its exceptional cash back program. With so many high-earning spending categories, it makes the daily grocery runs, the gas station visits and even the family binge-watching sessions that much more rewarding.
Pros: No other card offers such high earnings at U.S. supermarkets, and the earnings on U.S. gas stations are more than competitive.
Cons: This card has one of the highest annual fees you’ll find on a gas credit card. Also, the heightened cash back rewards are only available in the U.S.
Who should apply? Family shoppers who cook at home and frequent commuters might want to start bringing this card along on their errands thanks to its generous cash back.
Who should skip? Someone who spends time on the road but isn’t a supermarket shopper should explore their other options here – there may be a more fitting rewards structure for a lower annual fee.
Why we picked it: Ideal for the cardholder with good or excellent credit, this card offers a decent rewards rate without an annual fee holding back your rewards.
Pros: The Discover it® Chrome gives you all the benefits of the Discover it® Secured Credit Card – 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases quarterly, then 1%) – without the need for a security deposit. This card also gives you the opportunity for a lower ongoing interest rate than the Discover it® Secured Credit Card.
Cons: This card earns its best cash back rate only on your first $1,000 in quarterly spending across restaurants and gas stations. Depending how much you spend in these categories each year, this may be a low cap.
Who should apply? If you spend a lot of time on the road or dining out, this card offers a solid flat cash back rate with no annual fee.
Who should skip? Credit builders who don’t yet have the credit score for the Discover it® Chrome are better off getting started with the Discover it® Secured Credit Card and growing their score over time.
Why we picked it: It can be difficult to find a student credit card that offers a rewards rate as high as this card’s. This card charges no annual fee and offers 2% cash back at gas stations and restaurants for up to $1,000 in combined purchases per quarter (then 1%) and 1% on all other purchases. Plus, all the cash back you earn is matched at the end of your first year thanks to Discover’s Cashback Match welcome offer.
Pros: This card comes with several benefits: no credit history required, access to your FICO score, no APR changes for late payments and an introductory APR offer on purchases.
Cons: While ideal for a consumer just starting out, this is a card you will outgrow rather quickly. There is no penalty APR for late payments, but a late payment fee of up to $41 will apply after the first time you pay late.
Who should apply? This card is a great choice for any student building credit. Thanks to high-traffic categories, useful perks and matched first-year cash back, the Discover it® Student Chrome might be the best student card out there.
Who should skip? Being a student card, this option isn’t one of the best cash back cards for people with a good or excellent credit score.
Why we picked it: This card’s cash back rate for eligible gas purchases is not only one of the best out there, but it also applies to electric vehicle charging stations.
Pros: While several rewards cards offer a grocery bonus category, they usually exclude wholesale clubs like Costco from earning bonus rewards. This card not only earns 2% back on Costco purchases but also includes boosted rates for restaurant and eligible travel purchases, making it a solid everyday rewards option.
Cons: There’s no annual bonus, as well as no sign-up bonus, and you’ll need to pay the $60 annual Costco membership fee to avoid an annual fee with this card.
Who should apply? Costco members and those who spend a lot of time on the road can benefit greatly from this card.
Who should skip? Anyone opposed to becoming a Costco member won’t be able to utilize this card. On top of the membership requirement to be a cardholder, your cash back certificate must be redeemed at Costco.
Why we picked it: This Credit One Bank credit card offers an impressive rewards program, which can be hard to come by on cards available to people with fair credit. While this card charges a high annual fee, its impressive rewards rate on everyday purchases can quickly offset its cost.
Pros: This card offers an exceptionally high rewards rate in practical everyday categories like eligible groceries and gas, making it a great standalone rewards option for credit-builders.
Cons: Like many unsecured credit cards for fair credit, the X5 Visa comes with a high annual fee and APR, which could make it a risky pick if you’re new to credit cards.
Who should apply? People with fair-to-good credit who may not qualify for a top-tier rewards credit card may enjoy this card’s blend of rewards and credit-building features.
Who should skip? If your annual budget in this card’s bonus-rate categories easily exceeds the $5,000 annual spending cap, you should look for one that can consistently reward your purchases.
Why we picked it: This card could be an ideal option if you don’t want to keep track of rotating categories and would rather earn a flat-rate cash back on all purchases.
Pros: You’ll earn 1.5% cash back on all purchases, no matter the category. Also, the QuicksilverOne typically accepts consumers with fair credit, which is handy if you are trying to improve your credit and you also want to earn rewards.
Cons: This cash back card has an annual fee of $39 ( See rates and Fees ), which eats into your overall rewards earnings. You’ll need to spend at least $2,700 each year to break even. Also, the card’s variable APR is high, so carrying a balance could be costly.
Who should apply? Those with fair credit who still want to earn cash back rewards are a good fit for this card.
Who should skip? Shoppers who spend most of their money in one or two categories might have more to earn with a rotating categories card or one that heightens rewards in a particular field.
Why we picked it: The Citi Rewards+ Card offers a unique rewards rate that makes it easy to rack up those bonus points. With the Citi ThankYou points rate, even the smallest everyday purchases, like a cup of coffee or a tank of gas have the potential to be very rewarding.
Pros: Not only do you get 2X points at gas stations and supermarkets (on up to $6,000 each year, 1X thereafter), but the sign-up bonus you can earn is top-notch. You’ll earn a 20,000 point bonus after a $1,500 spend in the first three months (redeemable for $200 in gift cards at thankyou.com). Plus, as a special offer, earn 5 ThankYou® Points per dollar spent on hotel, car rentals, and attractions (excluding air travel) booked on the CitiTravel.com (offer ends 12/31/25). Your rewards are always rounded up to the nearest 10 points – meaning a $1.29 pack of gum is worth a full 10 points. Also, you’ll get 10% of your points back on the ThankYou points you redeem for up to 100,000 points per year.
Cons: The intro balance transfer fee is 3% or $5 (whichever is greater) for balance transfers completed within the first four months of account opening, and there is a foreign transaction fee of 3%. Also, your travel redemption is limited to only the ThankYou Travel Portal.
Who should apply? Those looking for a straightforward rewards program for their everyday purchases might want to consider the Citi Rewards+. Also, if you find yourself making lots of small purchases, the round up feature might be a great way for you to earn extra points.
Who should skip? If you’re someone who’s shy about using your card, this probably isn’t the right choice for you. The unique rewards structure of the Citi Rewards+ is designed to help shoppers capitalize on every purchase, no matter how small.
Why we picked it: The Discover it® Secured Credit Card offers high rewards and generous benefits. It also gives you tools that can help you stay on track financially, all the while maximizing your savings.
Pros: Along with offering ongoing rewards at gas stations and restaurants, this card will match all the cash back you’ve earned at the end of your first year of card membership. You may also be eligible to transition to an unsecured line of credit and have your deposit returned after seven months of responsible card use.
Cons: There is a minimum security deposit of $200 to open this account, which may be more than you want to tie up as you build credit.
Who should apply? The Discover it® Secured Credit Card might be the best of its kind, offering easy access, generous rewards and tools to build your credit score. Those with limited credit looking for a secured option to get started should look no further.
Who should skip? If you can’t afford the $200 minimum security deposit, the Capital One Platinum Secured Credit Card might be a better fit for you. Depending on creditworthiness, you may be able to get a card with a starting limit of $200 with as little as $49 down.
Why we picked it: The My GM Rewards Card earns an incredible amount of points: 7X points on eligible purchases made at GM and 4X points on all other purchases. These points get the greatest value when you put them toward the purchase or lease of a GM vehicle or buy GM products and services.
Pros: On top of the high rewards, this card has no annual fee and comes with quite a few nice perks. These include a sign-up bonus of 15,000 bonus points after spending $1,000 in the first three months of account opening and a $100 statement credit back on $1,500 of fuel at eligible gas stations per calendar year (upon activation).
Cons: This card offers very little flexibility when it comes to redemption options. One point is worth one cent when redeeming for GM products and services (100,000 points = $1,000). Beyond that, points can be redeemed for gift cards, but the redemption value drops significantly, and one point is only worth $0.0025 (100,000 points = $250).
Who should apply? Loyal GM fans and anyone thinking about buying a car in the near future will want to consider adding this card to their wallet so they can begin saving up points.
Who should skip? You won’t get a lot of value out of this card if you’re not in the market for a car and willing to stick with a GM vehicle.
Why we picked it: This card offers a whopping 5% cash back on gas purchases (up to the first $6,000 per year) anywhere, meaning you’re not limited to only filling up at Sam’s Club fuel stations. Cardholders also earn 3% cash back on dining and 1% cash back on other purchases, with a maximum of $5,000 cash back per year.
Pros: You’ll receive a small account opening offer: a $30 statement credit if you spend $30 in Sam’s Club purchases within 30 days of account opening. There’s no annual fee, though a $45 Sam’s Club membership is required. Plus, as a nice surprise, there are no foreign transaction fees, a benefit highly uncommon among store-branded credit cards.
Cons: You can only put rewards toward Sam’s Club expenses or statement credits, unless you redeem for cash back at the wholesale retailer. Moreover, you only receive rewards once a year in February, and those rewards expire if you don’t redeem them by Dec. 31 of that same year. You’ll also lose rewards if your Sam’s Club membership lapses before February.
Who should apply? Sam’s Club shoppers can take advantage of a best-in-class return on gas purchases without restrictions on where they fill up.
Who should skip? Although you don’t have to fill up at a Sam’s Club to get rewarded, you’ll want to be in the vicinity of one if you’re a carrier of this card. Rewards can only be used for Sam’s Club expenses or statement credits unless you redeem for cash at a physical Sam’s Club location.
Gas credit cards earn points, cash back or miles on special rewards for gas purchases. The best gas rewards cards also offer bonus rewards in other categories, like groceries or dining.
Thanks to so many gas cards approving cardholders with fair or worse credit scores, these cards can also open a lane to rewards for all types of consumers. There are even specific gas cards for bad credit. If you spend lots of time with your foot on the pedal, why not cut the cost of fueling up?
Gas credit cards are often easy to apply for online, although credit requirements can vary depending on the type of gas card you’re considering. Your score will impact the available cards in your pool, but nearly anyone can find a way to earn rewards with a gas card.
Depending on the card you carry, there may be some slight differences in how you earn rewards. Some gas cards let you earn points or cash back for each dollar you spend on gas and other purchases, yet closed-loop gas cards that only work with a specific gas brand may offer a discount for each gallon of gas you buy instead.
The benefits of picking up a gas card depend largely on the card you get approved for and their specific rewards program. Just remember that, like all credit cards, these cards charge interest when you carry a balance, so you’ll want to pay you statement balance in full each month you use it. Getting familiar with the various types of gas credit cards available will help you make an informed choice.
There are three types of gas credit cards:
General rewards credit cards come from traditional issuers like American Express and Capital One. These cards either offer rewards in specific categories (like supermarkets and gas stations) or flat-rate cash back on all eligible purchases – including gas bought at any gas station you visit.
These cards are a great choice for cardholders who make purchases at a variety of gas stations and want to consolidate their rewards or cash back rates in multiple categories into a single card.
Co-branded gas credit cards are offered by specific gas stations (like Shell or BP) that team up with traditional credit card networks like Mastercard and Visa. You can use these types of gas cards at any gas station, but they may only earn discounts or rewards when used at gas stations owned by the specific brand. They are a way to encourage customers to stay loyal to one brand of gas.
If you make a habit of only buying your gas from one particular brand, a co-branded gas credit card may be enough for you. But for anyone else, it makes more sense to stick with a general-purpose gas card. That way, you can always be assured you’ll earn rewards at any gas station you visit.
This type of gas credit card isn’t a part of any credit card network. It’s a store-branded card that you can only use at gas stations affiliated with the specific brand offering the card.
Private label gas credit cards are a good option for people with bad or fair credit, as they are easier to qualify for. But most will not have as many perks as a traditional rewards card. So people with good or excellent credit should look to co-branded or general-purpose gas credit cards.
Research methodology: Our team of experts have sifted through hundreds of gas rewards cards to help you maximize your potential earnings on everyday purchases. A number of factors went into our search, but the following were the most important in choosing the top gas rewards credit cards:
Our full criteria include: Integration with loyalty programs, redemption options, redemption flexibility, sign-up bonus, other benefits, customer service, rates and fees, ease of application.
For more information on spending and saving with gas credit cards, continue reading content from our credit card experts:
Whether a gas rewards credit card requires fair credit or good credit varies. For example, a card that demands brand loyalty may accept fair credit, while a general-purpose cash back card that rewards for a number of categories (including gas) may require good or even excellent credit.
Here are some credit ranges for different types of gas rewards cards, with examples:
In short, yes. It should be. That doesn’t mean they’re for everyone, but if you spend enough time on the road that gas purchases make up a substantial amount of your budget, you should get value out of a gas credit card. Typically these cards come without an annual fee, so any rewards you earn are immediately beneficial to you. Even if your card does come with an annual fee, the available rewards should have no problem exceeding its cost.
A general-purpose rewards card offers a lot of value for the average gas spender thanks to the cash back rewards you reap across multiple categories. But which one will depend more on your spending habits.
For supersized gas savings, you’ll want to check out the PenFed Platinum Rewards Visa Signature® Card (5 points per dollar on gas purchases) and the Sam’s Club® Mastercard® (5% cash back on up to $6,000 in gas purchases each year, then 1% back). These are some of the highest cash back rates for gas, and each card offers additional bonus categories that can help grow your rewards.
The Costco Anywhere Visa® Card by Citi offers 4% cash back on eligible gas purchases (first $7,000 in purchases per year, 1% thereafter). Those rewards grow if your normal spending falls into other bonus categories offered by this card (restaurants, eligible travel, Costco purchases).
The Blue Cash Preferred® Card from American Express rewards cardmembers with an unlimited 3% back at U.S. gas stations every year. That rate isn’t as high as the other cards mentioned, but thanks to Amex’s generous welcome offer and higher cash back bonus categories (U.S. supermarkets and select U.S. streaming services), your rewards earnings could easily soar past the competition.
A traditional rewards credit card is more versatile and generally offers a better deal than a gas card. Why? Rewards cards may offer enhanced perks, including sign-up bonuses and cash back – not just for gas but for multiple bonus categories. Private label (or closed-loop) gas cards typically offer per-gallon discounts. Unfortunately, these gas brand cards lose their value as gas prices rise.
Rewards credit cards with the best perks typically require good or excellent credit. If you have less-than-stellar credit, you may have an easier time qualifying for a gas card than you would a traditional rewards card or a credit-building card that also offers rewards. If that’s the case, there’s nothing wrong with taking advantage of owning a gas card. The right gas rewards program may even have increased rewards for its most loyal members. Just keep in mind you may have to jump through some hoops, and you’ll need to stick with that particular gas brand to truly see any savings.
One example is the Shell Fuel Rewards program, which offers gas savings on every fill up at Shell stations as well as a chance to earn additional discounts on gas based on purchases you make at participating restaurants, Shell stores, online shopping, event tickets and rental cars.
Joey Robinson is a credit cards writer for CreditCards.com and has worked at a “Big Four” (Ernst & Young) accounting firm before exploring the world of credit cards. After learning proper professional and financial practices through federal audits, he moved on to his second job, where he was introduced to CreditCards.com/Bankrate as a data analyst. As time passed, his interests drifted away from data analysis and into the communication of credit card essentials. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like CreditCards.com, Bankrate.com and NextAdvisor. His advice on avoiding common credit card fees, top balance transfer tactics and more financial tips have been featured on MSN Money and other various news publications.
Nouri Zarrugh is a staff editor at CreditCards.com and Bankrate, focusing on credit card reviews, product news and recommendations. Also a fiction writer, he won the Keene Prize for Literature and holds an MFA in creative writing from the Michener Center for Writers at the University of Texas at Austin.
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets. He’s frequently interviewed and quoted by mainstream outlets on the subjects of credit cards and travel. Jason is passionate about travel rewards credit cards, which he uses to earn rewards that he can redeem for him and his family to travel around the world. Jason is also the founder and producer of CardCon, a conference for credit and credit card journalists that’s held annually.
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