This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

Did you know that you could easily be earning rewards or cashback for your gas station purchases? With rising gas prices as well as upcoming holidays, having a card that earns points, miles, or even cash back is a no-brainer. Some of these rewards can be redeemed for flights, hotel stays, gift cards, or even to pay off purchases. Whether you’re gassing up for a daily commute or planning a road trip, there are several credit card options to use every time you’re at the pump.

Here’s a list of the best gas credit cards for earning rewards to help you determine what option works best for you. As you may notice, many of the cards listed below also earn on everyday spending, such as on dining or groceries.

BEST GAS CREDIT CARDS
An artist’s impression of a BP Chargemaster charging station. Credit: BP

Best Credit Cards for Gas Purchases

If your interest is piqued, here are some of the best credit cards for gas purchases.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Capital One Venture Rewards Credit Card

While the Capital One Venture Rewards Credit Card doesn’t have a specific benefit for gas purchases, it does earn 2x miles per $1 spent on every purchase. That means you can rack up miles pretty quickly. You don’t have to activate categories. Earning 2x miles on purchases is automatic.

The Capital One Venture card is great if you don’t want to have to think about how many miles your purchase earns. It’s a flat-rewards card that works for all of your purchases. Plus, you can redeem your Capital One miles for travel. Cardholders also get a fee credit of up to $100 for TSA PreCheck or Global Entry.

There is a $95 annual fee but no foreign transaction fee.

Although The Capital One Venture Rewards is considered one of the top credit cards for travel, it’s worth noting that the Chase Sapphire Preferred® Card is also a good contender if you want to earn more for travel. Check out our review of the Chase Sapphire Preferred vs Capital One Venture Rewards Credit Card for more details.

New Capital One Venture Rewards Credit Card cardholders can earn 60,000 miles after spending $3,000 on purchases in the first 3 months.

Learn more: Travel Rewards Credit Cards

BP Visa Credit Card

The information for the BP Visa® Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The BP Visa® Credit Card is more or less lauded as one of the best co-branded credit cards that features an actual gas station brand. If BP stations are prevalent in your area, this is certainly a credit card to consider.

Cardholders can enjoy 10¢ off per gallon on fuel purchases at participating bp and Amoco stations. They also earn 3% cash back on grocery store purchases and 1% cash back on purchases made everywhere else Visa credit cards are accepted (excluding bp and Amoco fuel purchases). Cash back comes in the form of a statement credit.

There is also a 30-day introductory offer that gets up to 30¢ off per gallon on fuel purchases (at participating locations) when you open a new account and download the BPme app.

The card comes with no annual fee.

Citi Premier Card

If you buy a lot of gas but also want to earn points on other purchases, look to the Citi Premier® Card.

You earn 3 points for every $1 spent on:

  • Gas
  • Supermarkets
  • Restaurants
  • Air travel
  • Hotels

There is also a $100 annual hotel benefit. Cardholders can use the benefit after purchasing a single stay of $500 or more (excluding taxes and fees) through thankyou.com.

The card does come with a $95 annual fee.

New Citi Premier® Card cardmembers can earn 80,000 bonus ThankYou® Points after spending $4,000 in purchases within the first 3 months of account opening. The 80k bonus points are redeemable for $800 in gift cards when redeemed at thankyou.com.

Related: Citi Premier Card Review

U.S. Bank Business Triple Cash Rewards World Elite Mastercard

If you’re looking for a business card that earns rewards at gas stations, the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® is a no annual fee card that earns triple cash back on select purchases (See Rates & Fees).

Cardholders can earn 3% cash back on select eligible purchases at:

  • gas stations
  • office supply stores
  • cell phone service providers
  • restaurants

Cardholders earn 1% cash back on all other eligible net purchases.

New U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® cardholders can earn $500 in cash back after spending $4,500 on the Account Owner’s card in the first 150 days of account opening.

Additionally, cardholders can enjoy an annual $100 statement credit for recurring software subscription expenses. Such expenses include FreshBooks or QuickBooks.

There are no limits on how much total cash back can be earned. Additionally, rewards won’t expire. Learn more in our U.S. Bank Business Triple Cash Rewards World Elite Mastercard review.

Hilton Honors American Express Surpass Card

Yes, there is a hotel credit card that can reward you big at the pump! The Hilton Honors American Express Surpass® Card gives you a whopping 6x points for every eligible $1 you spend at gas stations in the United States. Cardholders also earn 6x points for each dollar of eligible purchases on your Card at U.S. restaurants and at U.S. supermarkets. You also earn 12x points per dollar spent on eligible purchases charged directly with a hotel or resort within the Hilton portfolio.

As far as hotel rewards programs go, Hilton Honors doesn’t always offer the best value for its points (so don’t get too excited over those six points — they don’t stretch that far). But if you’re already a member, are loyal to the brand, and know you stand to earn some points at the pump, this is one of the best Hilton credit cards to consider.

New The Hilton Honors American Express Surpass® Card cardholders have the ability to earn up to 180,000 bonus points! New cardholders can earn 130,000 Hilton Honors Bonus Points after spending $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

The annual fee is $95 (See Rates & Fees).

Learn more: Hotel Rewards Credit Cards

Amex EveryDay Preferred Credit Card from American Express

The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

If you want to use your gas purchases to earn points to pay for future travel, the Amex EveryDay® Preferred Credit Card that’s part of the Amex Membership Rewards program could be a good option for you. Membership Rewards points are pretty valuable in the travel rewards world. You can use them to book travel with an array of brands.

The annual fee is $95 (See Rates & Fees). 

This card, in particular, gives you 2x points at U.S. gas stations, alongside 3x points at U.S. supermarkets (on up to $6,000 on eligible purchases per year) and 1x points on everything else. But, if you use your card 30-plus times in one billing period, you’ll get 50% more points for the month.

Related: Best American Express Credit Cards

Who Has the Best Gas Credit Cards?

As you can see, most of these gas credit cards allow you to earn on other purchases, not just gas. However, if you want to earn more and have further options, check out our list of the best miles credit cards that offer more flexibility. Most of these cards will reward you for everyday purchases, including gasoline (though they don’t have such high specialized bonuses).

gas credit cards
What are the best gas credit cards for your wallet?

Are Gas Stations Credit Cards Worth It?

Gas can be one of the larger expenses when driving to a travel destination. Many travel credit cards reward an average of 2 points per dollar spent on gasoline purchases.

But, it is possible to find credit cards with higher reward rates.

If gas rewards are important to you, the minimum reward rate should be 2% from your credit card, although, any credit card will pay a minimum of 1%. For starters, the IHG® Rewards Club Traveler Credit Card, the IHG® Rewards Club Premier Credit Card, and the Ink Business Cash® Credit Card earn 2 reward points for every dollar spent at the pump.

The Blue Cash Everyday Card from American Express

American Express also offers The Blue Cash Everyday® Card from American Express that pays 2% cash back for purchases at U.S. gas stations and select U.S. department stores, along with 3% cash back on U.S. supermarket purchases (up to $6,000 annually, then 1% thereafter), and 1% on all other purchases. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

Cardholders can also enjoy $0 plan fees when using Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

The welcome bonus is the ability to earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Even better, there is no annual fee (See Rates & Fees) for the Blue Cash Everyday Card. 

Learn more: Cash Back Credit Cards

Better Than 2%

We know it is possible to choose a credit card that offers a baseline rate of 2%. But, it is very easy to earn more. In fact, it’s possible to earn up to 5% cash back on all gas purchases. One thing you might notice though is that some of these credit cards can be “somewhat” exclusive. They might require a one-time or annual membership fee to an organization to qualify for the rewards card.

Hilton Honors American Express Card

The Hilton Honors American Express Card earns 5x points per $1 spent on eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. It also earns 7x points per $1 spent on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands. All other eligible purchases earn 3x points per $1 spent.

This is one of the best Hilton credit cards.

New The Hilton Honors American Express Card cardholders can earn up to 130,000 Hilton Honors Bonus Points! New cardholders can earn 80,000 Hilton Honors Bonus Points after spending $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership. Plus, earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.

If you are a loyal Hilton traveler, this could be beneficial for you. Otherwise, you may prefer a card with more flexibility. There is no annual fee to worry about either (See Rates & Fees). 

Learn more: Hotel Rewards Credit Cards

Everyday Rewards

These reward cards do not require you to belong to a particular bank or club to earn high rewards, as most other gas rewards cards do.

The Blue Cash Preferred Card from American Express

The Blue Cash Preferred® Card from American Express earns 6% back on the first $6,000 spent annually at U.S. supermarkets, then 1% thereafter. You can also earn an unlimited 6% cash back on select U.S. streaming services. You also earn 3% cash back at U.S. gas stations and on transit including taxis/rideshare, parking, tolls, trains, buses, and more. For all other purchase categories, you earn an unlimited 1% back.

Cash back comes in the form of Reward Dollars that can be redeemed as a statement credit.

Cardholders can also enjoy $0 plan fees when using Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

The welcome bonus is the ability to earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. There is a $0 introductory annual fee for the first year, then $95 (See Rates & Fees).

Learn more: Cash Back Credit Cards

Citi Rewards+ Card

The Citi Rewards+® Card earns 2x points per $1 spent at supermarkets and gas stations for the first $6,000 per year, then 1x points thereafter. It also earns 1x points per $1 spent on everything else. Plus, this is the only credit card that automatically rounds up to the nearest 10 points on every purchase, with no limits on how many points you can earn.

Your points won’t expire, so long as your account remains active.

New cardholders can earn 20,000 bonus points after spending $1,500 in purchases with their card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.

There is no annual fee.

Related: Best Citi Credit Cards

Chase Freedom Flex

The Chase Freedom Flex℠ has 5% quarterly rotating categories, and gas happens to be a rotating category. Once activated, earning 5% is capped at $1,500 in purchases each quarter. But that adds up, especially if you’re transferring your Freedom points to Ultimate Rewards.

Earn:

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1% back)
  • 5% cash back on travel purchased through Chase Ultimate Rewards®
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 1% on all other purchases

Related: Chase Freedom Flex Review

Credit Union Rewards Cards for Gas Purchases (5%)

These two credit cards offer gas rewards of 5% and can be used worldwide. The only downside is that you need to meet certain eligibility standards to earn membership. If you are retired or active military personnel, reside in the service area, are employed by a qualifying employer, or relative to an eligible member, you can enjoy 5% cashback.

Fort Knox Federal Credit Union Visa Platinum Credit Card

The information for the Fort Knox Federal Credit Union Visa Platinum Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Some might balk at credit union offerings because members must meet certain eligibility requirements or limited physical branches.  But, this doesn’t mean that you cannot use them primarily for an awesome credit card program.  Fort Knox FCU pays 5% on gas rewards and 1% on all other purchases in the form of a monthly statement credit with their Visa® Platinum Credit Card.

The reward payout is similar to the Chase Freedom credit cards that pay a 5% bonus on select categories. If fuel is one of your largest expenses, this can be a better offering because gas purchases constantly earn 5%.

To qualify for this card, non-members need to pay a one-time $15 fee (or $5 annually) by joining the American Consumer Council. The $5 of the fee is used to purchase one share at Fort Knox FCU.

Pentagon Federal Credit Union

The information for the PenFed Platinum Rewards Visa Signature® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

If you like earning points, this is possible with the PenFed Platinum Rewards Visa Signature® CardYou will earn 5x points per $1 spent at the pump, 3x points on supermarket purchases, and 1x point for everything else.  Unredeemed points expire after 5 years. Also, the point redemption values are not as good as Chase Ultimate Rewards or American Express Thank You Points.

Warehouse Clubs (4%-5%)

Surprisingly, credit cards offered by wholesale buying clubs such as Costco or Sam’s Club not only offer discount prices for fuel but offer additional rewards to loyal members that also make purchases with the affiliated credit cards. In addition to gas rewards, these two credit cards also offer tiered rewards for other purchases as well.

Of course, these cards might only make sense if you regularly make purchases from a warehouse club.

Costco Anywhere Visa Card by Citi

The Costco Anywhere Visa® Card by Citi pays 4% cash back on the first $7,000 in eligible gas purchases annually. Then, you’ll earn 1% after that. Users will not earn rewards from gas purchased at other warehouse clubs, supermarkets, or grocery stores.

Reading the terms and conditions can be a little confusing. It mentions that rewards will not be earned at convenience stores (what virtually every non-Costco gas station is).

Don’t be alarmed, you will almost certainly earn a reward when you “pay-at-the-pump.” Credit card companies have different classification codes for in-store purchases where you can also purchase drinks & lottery tickets and gas pump purchases where it is only possible to purchase gasoline or diesel.

This is a general practice for all gas rewards credit cards.

In addition to 4% gas rewards, cardholders also earn 3% cash back on restaurant & eligible travel purchases, 2% on all other Costco and Costco.com purchases, and 1% on everything else. Between the tiered reward payout and no annual earnings cap on all rewards, this is a good option.

Learn more: Costco Anywhere Visa® Card by Citi

Sam’s Club MasterCard

It’s not uncommon for non-warehouse credit cards to not offer gas rewards at clubs such as Costco, Sam’s, or BJ’s. That problem is solved, at Sam’s Club at least, with the Sam’s Club® Mastercard®. Cardholders can earn 5% rewards on the first $6,000 in gas purchases anywhere, each year (and 1% after that).

In addition to the 5% gas rewards, it’s also possible to earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases. They also earn 3% on dining and takeout purchases, & 1% cash back on all other purchases.

However, reward earnings have a limit of $5,000 per calendar year. There also isn’t an annual fee or foreign transaction fee.

Learn more: Gas Rewards Credit Cards

What About Gas Station Cards?

If you always purchase gas from a specific gas station brand, a branded gas station credit card can be a good option. For example, the ExxonMobil™ Smart Card rewards 6 cents per gallon. The Shell Fuel Rewards® Mastercard® knocks 10 cents off each gallon (up to 20 gallons).

If gas is $2 per gallon that is a rewards rate of approximately 2.5%, but only 1.6% when gas costs $3 per gallon.  These reward rates are still better than several rewards cards. But, the above options offer better payouts and are more flexible.

Of course, you can also buy gas station gift cards at an office supply store with a flexible card. This way, you still earn points.

Summary

There isn’t a single “best” gas rewards credit card that fits the needs of every person. Most credit cards offer increased gas rewards as an incentive to attract or retain users that might already be using their products. For example, joining a credit union or warehouse club specifically to earn extra gas rewards might not be worth the hassle if you have a decent travel rewards card that earns 2% on gas purchases and higher payouts for travel purchases.

As a general observation, the credit cards with better gas rewards tend to reward shoppers who will also use the same credit card for grocery shopping. To maximize gas rewards, it might make sense to select one of the recommended credit cards above to purchase “household staples”. Then, use a travel card as your primary card for all other purchases.

Related articles:

For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of the Hilton Honors American Express Surpass Card, please click here.

And for rates and fees of The Amex EveryDay® Preferred Credit Card, please click here.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

For rates and fees of the Hilton Honors American Express Card, please click here.

Advertisement

Chase Sapphire Preferred® Card

recommended-cart-post-image
APPLY NOW
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

1 Comment On "The Best Gas Credit Cards for Rewards, Cash Back, and Bonuses"
  1. anonymous|

    About the PenFed Platinum Rewards Visa, points are only worth 85/100ths of a cent, so 5X is valued at 4.25%.

    The card has had a recent refresh, too, adding 5X for EV charging stations, 3X (2.55%) for restaurants & streaming/internet, and the grocery category also includes Target and Walmart.

Leave a Reply

Required fields are marked *