Best Gas Credit Cards: Top Choices for Fuel Savings

Reward cards come in all shapes and sizes, from those aimed at regular travelers, to those targeted at families looking to shave dollars off their utility bills. One of the most recent trends in this market is for credit cards that reward you every time you purchase everyday essentials such as gasoline.

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There are hundreds of cards offering rewards for this basic purchase, and in this guide, we’ll highlight the best of them while also showing you how to use them properly.

What are Gas Credit Cards?

A gas reward credit card is simply a rewards card that gives you points or cash back every time you use it at the pumps. The exact rate of cash back varies greatly from card to card, as do your chances of being accepted or not. 

Furthermore, these cards aren’t limited to fuel purchases and you can also earn rewards and cash back for other everyday expenses, including groceries, streaming subscriptions, transportation, hospitality, and more.

Can I Qualify for a Gas Credit Card?

Generally, you need a “good” or better credit score to be accepted for one of these credit cards. There are still options available to you if you don’t quite meet the terms, but the lower your credit score is, the more limited your options are and you may be forced to accept fewer benefits and higher rates.

If your score is at least 680, we recommend browsing through our list of the best gas credit cards below, finding the ones that appeal to you the most, running some comparisons, and applying to the best one. If your score is lower, bookmark this page, spend a few months trying to improve your credit score, and come back when you’re confident you will be accepted.

Even an improvement of just 10 or 20 points can make a big difference where credit card applications are concerned, so it’s worth taking some time to work on your score.

The Best Gas Credit Cards

Take a look below to see our list of the very best credit cards for gas savings and other rewards. We compared hundreds of cards—analyzing interest rates, fees, penalties, and benefits—and looked at countless offers, creating a list of cards that have a little something for every budget and every type of user.

Bank of America Cash Card

The best thing about the Bank of America Cash Card is that you can choose which category to save on. There are three tiers of rewards here, 1%, 2%, and 3%. The 2% reward is tied to grocery store purchases, membership clubs, and more. The 1% is unlimited and applies to all purchases not listed in any other category. As for the 3%, it is fixed to a category of your choice.

Regular travelers will benefit from selecting gas as their 3% category, earning $30 a year for every $1,000 that they spend. Bear in mind, however, that there are spending limits for all 2% and 3% purchases, and if you’re spending big money every month you may reach this sum sooner than expected.

  • Network: MasterCard
  • Rewards Scheme: 1% to 3% cash back on all purchases
  • Annual Fee: $0
  • Interest Rate: 15.49% to 25.49% Variable APR
  • Intro Bonus: $200
  • Intro Offer: 0% for 15 months on purchases and balance transfers

Blue Cash Preferred

The Blue Cash Preferred card is a premium reward card that offers between 1% and 6% cash back on purchases, including 3% for gas. As always, there are limits and spending caps tied to all the higher percentages, but the 1% is unlimited and once the other spending limits are reached all payouts will return to this rate.

The Blue Cash Preferred credit card also has an intro bonus of $250, as well as an annual fee of $95. This is a high cost, but if you’re a big spender it’s one that you will quickly cover with your cash rewards.

  • Network: American Express
  • Rewards Scheme: 1% to 6% cash back
  • Annual Fee: $95
  • Interest Rate: 14.49% to 25.49% Variable APR
  • Intro Bonus: $250
  • Intro Offer: 0% for 12 months on purchases and balance transfers

Blue Cash Everyday

If the Blue Cash Preferred credit card appeals to you but the high annual fee scares you away, the Blue Cash Everyday card may be the better option. Aimed at the average user, this card provides many of the same benefits, including cash back on fuel purchases, but it doesn’t carry the excessive fees and requirements of its sister card.

  • Network: American Express
  • Rewards Scheme: 1% to 3% cash back.
  • Annual Fee: $0
  • Interest Rate: 14.49% to 25.49% Variable APR
  • Intro Bonus: $150
  • Intro Offer: 0% for 15 months on purchases and balance transfers

Wells Fargo Propel American Express

Wells Fargo Propel is a point-based reward card that returns a fixed rate for every single purchase you make and offers triple points for specific spending, including gas, hotels, car rentals, restaurants, and more.

The points have a value of around $100 per 10,000 and when you apply and spend at least $1,000 in three months, you will be given 20,000 points.

  • Network: American Express
  • Rewards Scheme: Point-based system
  • Annual Fee: $0
  • Interest Rate: 15.49% to 25.49% Variable APR
  • Intro Bonus: $200 (20,000 points)
  • Intro Offer: 0% for 12 months on purchases and balance transfers

Costco Anywhere Visa 

The Costco Anywhere Visa is provided by Citi and works on the Visa network. It offers a basic 1% cash back rate on all purchases, as well as 2% to 3% for purchases at Costco and eligible restaurants. The biggest benefit, however, is that it offers 4% cash back on all eligible gas purchases. This is capped at a spend of $7,000 for the year, after which the 4% rate drops to 1%.

The Costco Anywhere Visa doesn’t have an annual fee, but you need to be a Costco member and membership starts at $60 per year. A clean credit report is required as well; you’ll need at least a FICO score of 750 to be considered.

  • Network: Visa
  • Rewards Scheme: Cash back of between 1% and 4%.
  • Annual Fee: $0
  • Interest Rate: 16.74% Variable APR
  • Intro Bonus: Annual reward certificate to be redeemed for cash or gifts

Discover It

The Discover It credit card is always a good option if you need a reliable and generous reward card. This card comes in many shapes and sizes, from a version aimed at frequent travelers to one targeted towards students and general users.

We recommend reviewing all of them to see which one is most suitable. All these Discover It cards have cash back rewards, low interest rates, and no annual fee. What’s more, Discover will match your first year’s rewards, so if you earn $500 in cash back they’ll give you an extra $500 for a total of $1,000.

Discover also offers all applicants a free credit score check and the ability to redeem points at any time, with no expiration date. Here are a few of the best Discover It credit cards for rewards on gas and other common expenses:

  • Discover It Chrome (1% unlimited; 2% on gas)
  • Discover It Secured (same as above, but secured against a cash deposit)
  • Discover It Student Chrome (a generous card aimed at students on a budget)

Other Gas Credit Cards

Gas reward credit cards aren’t the only cards to turn your regular gas payments in cash back and prizes. A standard reward credit card will provide the same benefits, offering between 1% and 2% on average for all payments, whether you’re filling your car or your kitchen cupboards.

Here are a few other options to consider:

  • Capital One Quicksilver: A cash rewards card that gives consumers 1.5% cash back on every penny they spend, with an intro bonus of $150 paid when just $500 is spent in the first three months.
  • Chase Freedom Unlimited: One of the best and most popular credit cards on the market, a great choice for all small-to-medium incomes. Get 1.5% cash back and a host of other benefits.
  • Chase Sapphire Preferred: Big spenders seeking something a little more than what the Chase Freedom can provide should look into the Chase Sapphire Preferred, which is geared more towards high earners.
  • Credit One Bank Platinum Preferred: Earn 2% cash back on all gas, grocery, cell phone, and subscription charges. Just watch out for the interest rate as it generally charges more than 25%.

Top Tips for Using Gas Credit Cards

Reward cards can trap you in a cycle of debt, encouraging you to spend more than you have and to take bigger risks than you would have otherwise taken. You need to be very careful with these cards to keep your finances strong and your credit score high. With that in mind, here are a few tips to help you maximize your return and reduce your risk.

Don’t Spend More

The average rewards card carries a balance much larger than a traditional credit card and the average spend is also nearly twice as big. It proves that consumers are willing to spend more money on these cards in the belief that they are earning more benefits for doing so.

And this is true, but those benefits are minor, often just a few dollars for every few hundred that you spend. You should never go over the top and spend more than usual just to earn more benefits. It’s akin to buying $50 more than you need at the grocery store just to get a handful of loose change in return. 

Calculate Before You Apply

The card with the highest rate of return may not be the one that works best for your needs. A 5% rate is worthless if it’s tied to fuel purchases in a car-less household; 5% on Lyft/Uber rides means nothing if you have never and will never use these services.

To understand how beneficial a rewards card will be, calculate your previous year’s expenditures using the stated rewards and benefits. Estimate how much each card would have earned you and apply for the one with the biggest return. 

A premium rewards card may seem like a great idea at first glance, only for you to realize that it will cost you more than it saves you over the year. Just because it looks good on paper doesn’t mean it will work for you.

Pay Off Your Balance 

The average American family spends $2,000 a year on gas. A gas credit card with a 1.5% rewards rate would generate $30 worth of cash back on this total. It’s not a lot of money at all and this comes as a surprise to many reward card users, as they often overestimate both their rewards and their annual expenditure.

Even if you add introductory offers and other cash back to this total, you may still earn less than $200 throughout the year. This is great if it’s an added extra that doesn’t cost you anything, but if your balance rolls over during any of those months, the interest payments will offset all the bonuses you earn.

Furthermore, many reward credit cards charge a higher rate of interest to cover some of the extra costs of these programs. The average consumer will happily accept an APR that is 3% or 4% higher if it means they can get a rewards program in return, but in the majority of cases, that 3% or 4% is enough to render all those rewards redundant and cost you more than you save.

Keep the above in mind as you apply. If you plan on allowing your balance to roll over or there is any risk that this could happen, stop comparing rewards and start comparing interest rates.