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HomeBonus OffersBest Credit Cards for Gas in : Compare Rewards and Sign-Up Bonuses

Best Credit Cards for Gas in December 2021: Compare Rewards and Sign-Up Bonuses

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Card IssuerGas Rewards RateBonusBonus Offer
Chase Freedom Unlimited® card1.5% Back$200Spend $500 on purchases in the first 3 months from account opening
Ink Business Cash℠ Credit Card2% Back$750Spend $7,500 on purchases in the first 3 months from account opening
PenFed Platinum Rewards Visa Signature®Card5X Points$100Spend $1,500 in the first 90 days of account opening
Blue Cash Preferred® Card from American Express3% Back$300Spend $3,000 in the first 6 months of Card Membership
Blue Cash Everyday® Card from American Express2% Back$200Spend $1,000 in the first three months of Card Membership
Wells Fargo Propel American Express® Card3X Points30,000 pointsSpend $3,000 in the first 3 months of account opening

† When gas station spending category is activated. 

>>Review the methodology our credit card experts use to evaluate credit products and determine the best-in-class cards in various categories.

*Skip to frequently asked questions about the best credit cards for gas purchases.

The Best Credit Cards for Gas in December 2021

On average, Americans spent $1,968 on gasoline and other fuels in 2017, according to the Bureau of Labor Statistics. If you own a vehicle and spend that much or more on gas every year, it may make sense to get a cash rewards credit card for buying gas.

No, we’re not talking about the gas cards offered by gasoline companies like Shell and BP. The best gas credit cards offer accelerated rewards at gas stations, as well as great rewards on other everyday purchases you make. With the right card in your wallet, you can maximize the cash back, points or miles you earn at the pump.

Depending on what else you spend your money on, our top gas credit card choices will do a lot more than that. With all that in mind, here are our top choices to compare.

Chase Freedom Unlimited® card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: This card allows new cardholders to save money with an introductory 0% interest rate on new purchases for the first 15 months of account opening.

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 5% cash back on travel booked through Chase Ultimate Rewards®, 3% back at drugstores and on dining purchases (including takeout and eligible delivery services) and 1.5% back on everything else.

Sign-Up Bonus: New cardholders can receive $200 in cash after spending $500 within the first three months of account opening. Additionally, earn 5% cash back on grocery store purchases up to $12,000 spent during the first year. Note that big box retailers including Target and Walmart do not qualify for this bonus category.

Who Should Use This Credit Card? Households that prioritize cash-back rewards for everyday spending and Chase loyalists who are looking to maximize Ultimate Rewards earnings.

Why We Like It

Why We Like the Chase Freedom Unlimited® Card

You don’t need excellent credit to get the Chase Freedom Unlimited. In fact, many cardholders report getting approved with good credit. We like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Ultimate Rewards portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more.

And that sign-up bonus? It’s pretty easy to reach the spending requirements, assuming that you can spend $500 in purchases within the first three billing cycles. Add the fact that there’s a 0% introductory APR for 15 months, bonus rewards on grocery store purchases during the first year and no annual fee, and you’ll see why the Chase Freedom Unlimited is among our favorite flat-rate cards.

The Chase Freedom Unlimited card is great for simple, general-purpose cash rewards. On the surface, it’s not a card that many people consider best for gas purchases, but the Freedom Unlimited is especially valuable for travel when you play your cards right. If you have one of the travel credit cards in the Ultimate Rewards program, you can transfer your points-earning rewards with the Freedom Unlimited to one of those cards to take advantage of their better redemption options. This effectively transforms your fuel spending into discount travel. Read our full review of the Chase Freedom Unlimited.

Purchase CategoryRewards RateAnnual Limit
Gas Stations1.5 % BackNo limit
Travel booked via Chase Ultimate Rewards5% BackNo limit
Drugstores3% BackNo limit
Restaurants and Eligible Delivery Services3% BackNo limit
Other Purchases1.5% BackNo limit

While the Chase Freedom Unlimited only offers 1.5% flat-rate cash rewards on gas purchases, the value of Chase Ultimate Rewards points makes up for that. And now, with bonus categories for grocery stores, restaurants and drugstores — the card is perfect for on-the-go households.

Ink Business Cash℠ Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $750
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New accounts enjoy an introductory 0% APR for purchases during the first 12 months.

APR: Variable APR depending on credit worthiness.

Rewards Rate: You earn an amazing 5% cash back on your first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. That can add up to 125,000 points per account year. It also offers you 2% cash back on your first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

Sign-Up Bonus: This card offers you $750 in cash back after you spend $7,500 on purchases within three months of account opening. The $750 bonus comes in the form of 75,000 Ultimate Rewards points, which can be redeemed for cash, gift cards or travel.

Who Should Use This Credit Card? Small business owners and sole proprietors who want flexibility in their credit card rewards

Why We Like It

Why We Like the Ink Business Cash℠ Credit Card
The Ink Business Cash is legendary for its offer of 5% cash back for purchases at office supply stores and on many telecommunications services, with no annual fee. And while 5% cash back sounds great, these rewards can be much more valuable when paired with another Chase credit card that allows transfers to airline miles or hotel points. In addition to earning excellent cash-back rewards, it also includes competitive introductory offers and provides cards for employees at no additional charge.

This an incredibly valuable card for anyone who owns a small business and makes frequent purchases at office supply stores, which can include furniture, electronics, school supplies, gift cards and printing services. The Ink Business Cash is also a great card to use when paying for your internet service, phone bill or television service. It might not seem like much, but earning 5x rewards on these bills every month will add up to serious rewards very quickly. You earn one point per dollar spent elsewhere.

While legendary for its offer of 5% cash back for purchases at office supply stores and on many telecommunications services, the Ink Business Cash℠ Card is a great option for entrepreneurs and small businesses that spend a lot of money fueling up company vehicles. Even though the 2% cash back at gas stations sounds great, like the Freedom Unlimited, these rewards can be much more valuable when paired with another Chase credit card that allows transfers to airline miles or hotel points. Read our full review of the Ink Business Cash to learn how it can fit your small business needs.

Purchase CategoryRewards RateAnnual Limit
Gas Stations2% BackUp to $25,000 in combined purchases at restaurants and gas stations each account anniversary year
Restaurants2% BackUp to $25,000 in combined purchases at restaurants and gas stations each account anniversary year
Select Business Spending5% BackUp to $25,000 in combined purchases at office supply stores and on phone, cable and internet services.
Other Purchases1% BackNo limit

In addition to 2% back at gas stations, new cardholders can earn $500 in bonus cash back when you make $3,000 worth of purchases within the first three months your account is open.

PenFed Platinum Rewards Visa Signature®Card

Annual Fee$0
Sign-Up Bonus$100 statement credit after spending $1,500 in the first 90 days of account opening
Intro APR0% APR on balance transfers for 12 months
Foreign Transaction FeesNo
ApplySecure Website

If your goal is to rack up as many rewards as possible on gas purchases, consider the PenFed Platinum Rewards Visa Signature Card. You’ll earn 5x points per dollar on gas at the pump, 3x points per dollar on groceries and 1x point per dollar spent everywhere else. Points are worth 1 cent apiece, so you’re getting about as high of a rewards rate on gas as possible.

Purchase CategoryRewards RateAnnual Limit
Gas Stations5X Points No limit
Grocery Stores3X PointsNo limit
Other Purchases1X PointsNo limit

We like the PenFed Platinum Rewards Visa Signature Card because it focuses on giving you the best value at the pump. The only thing to keep in mind is that you need to join PenFed Credit Union in order to apply for the card. Fortunately, that can be as easy as a $17 donation to join one of the credit union’s participating organizations. Bottom line: the PenFed Platinum Rewards Visa Signature is the highest-earning card for gas purchases.

Blue Cash Preferred® Card from American Express

Annual Fee$95 (waived for the first year)
Welcome Bonus$300 statement credit after spending $3,000 in the first six months of Card Membership
Intro APR0% APR on purchases for 12 months from the date of account opening
Foreign Transaction FeesYes
ApplySecure Website

For the average on-the-go household, the Blue Cash Preferred Card is a lucrative choice. It rewards individuals, couples and families who typically spend at U.S. supermarkets and U.S. gas stations, or who subscribe to various U.S.-based streaming services. It also offers a complimentary ShopRunner membership, offering free two-day shipping from all network retailers. Read our full review of the Blue Cash Preferred Card.

Purchase CategoryRewards RateAnnual Limit
U.S. Gas Stations3% BackNo limit
U.S. Supermarkets6% BackLimit of $6,000 spent per year (then 1% back)
Select U.S. Streaming Services6% BackNo limit
Transit†3% BackNo limit
Other Purchases1% BackNo limit

† Transit includes taxis, rideshare, parking, tolls, trains, buses and more.

It’s easy to see why the Blue Cash Preferred Card from American Express is often referred to as the best family credit card. With high rewards rates for bonus categories like groceries and gas, nearly every household can benefit from it. While it does charge an annual fee, its introductory APR offers and 6% cash back make it certainly worth considering.

Blue Cash Everyday® Card from American Express

Annual Fee$0
Welcome Bonus$200 statement credit after spending $1,000 in the first three months of Card Membership
Intro APR0% APR on purchases for 15 months from the date of account opening
Foreign Transaction FeesYes
ApplySecure Website

For a card that doesn’t charge an annual fee, the Blue Cash Everyday Card offers valuable cash-back rewards for those who plan on using it for U.S. gas station and U.S. supermarket purchases. If you’re someone who spends a lot at the grocery store (perhaps you have a bunch of teenage boys who can’t seem to get enough food?), it’s hard to beat the Blue Cash Everyday’s supermarket rewards rate without paying an annual fee. Plus, the long-term introductory 0% APR is extraordinary and is perfect for carrying a balance on large ticket items. Read our full review of the Blue Cash Everyday Card from American Express.

Purchase CategoryRewards RateAnnual Limit
U.S. Gas Stations2% BackNo limit
Select U.S Department Stores2% BackNo limit
U.S. Supermarkets3% BackLimit of $6,000 spent per year (then 1% back)
Other Purchases1% BackNo limit

The Blue Cash Everyday Card is a pretty sweet deal for all the frugal people out there. It’s targeted to help people save money on some of their biggest variable expenses: gas and groceries. Considering how much families can spend each month on both these line items in their budget, there’s nothing wrong with getting all the help you can get.

Wells Fargo Propel American Express® Card

Annual Fee$0
Sign-Up Bonus30,000 bonus points when you spend $3,000 in the first three months of account opening
Intro APRIntroductory interest-free APR promotion on purchases and balance transfers for 12 months.
Foreign Transaction FeesNo
ApplySecure Website

If you’re looking for a card that offers a lot of value and flexible redemption options — think cash back, gift cards, travel and more — consider the Wells Fargo Propel American Express Card. There’s no cap on how much you can earn in bonus rewards!

Purchase CategoryRewards RateAnnual Limit
Gas Stations3X PointsNo limit
Travel†3X PointsNo limit
Restaurants and Eligible Delivery Services3X PointsNo limit
Streaming Services3X PointsNo limit
Other Purchases1X PointsNo limit

† Travel is defined as flights, hotels, homestays (Airbnb) rideshares, transit and car rentals.

We like the Wells Fargo Propel American Express Card because it offers the potential for a lot of value for a card with no annual fee. Also, while the card offers points instead of straight cash back, you can use them to get cash back, book travel, buy gift cards and more — all at the same redemption rates. Some cards that allow you to use points to book travel will give you a lower redemption rate when you choose cash back.

Methodology: How We Chose the Top Gas Credit Cards

There are a lot of credit cards out there that offer bonus rewards on gas purchases or simply high rewards rates on every purchase you make. We picked our top five based on the overall value they can provide. We looked at the other bonus rewards rates the cards offer and focused on cards that provide extra cash back or points on purchases you’re likely going to make regularly.

In general, we focused on credit cards with no annual fee, so you don’t have to worry about figuring out how to make the card worth it every year. But in the case of the Blue Cash Preferred Card from American Express, we chose it because it makes it easy to recoup the annual fee every year.

guy uses a gas pump
Credit: iStock.com /Adene Sanchez

Frequently Asked Questions About Gas Credit Cards

What Is a Gas Credit Card?

A gas-branded credit card is one issued by the oil companies, usually in partnership with a bank. Many gas-branded cards can only be used at that fuel station, but research each fuel companies’ offerings for exact rules. For example, Shell offers a Fuel Rewards Credit Card and a Fuel Rewards Mastercard. The latter can be used on non-Shell purchases and earns rebates on dining and select expenditures.

Gas credit cards usually do not have any fees and allow you to save a set amount of cents off of each gallon of gas purchased. Some cards come with rewards on non-fuel purchases made at the fuel station too.

How Do Gas Credit Cards Work?

Gas credit cards work similarly to a store credit card. For example, if you have a Kohl’s or JCPenney credit card, you know that your card is only useful at those stores. Like all other credit cards, you will be required to pay a monthly minimum and any amount that is carried over to the next month will earn interest. Gas credit cards generally have a higher interest rate than average rewards cards.

Here are some of the most popular gas credit cards available:

  • Shell Fuel Rewards Credit Card
  • Techron Advantage Credit Card
  • ExxonMobil Smart Card
  • Sunoco Rewards Credit Card

Since oil-company cards are limited, individuals with fair credit have an easier time being approved. Gas cards are a good option for those who have fair credit or those who are looking to rebuild their credit. Since you can only use the card for gas, it will be harder to rack up the bill, making it easier to keep track of.

Rewards Credit Cards Versus Oil-Company Gas Cards

So, you know you want to be rewarded at the pump, but you still aren’t sure if you should go for a rewards card with gas perks or an oil-company card? We’ll help you do the math.

Many rewards cards will allow you to earn points or cash back on the amount you spend on fuel. You will earn the same percentage back on any U.S. gas station you use, so you don’t have to be a company loyalist. Even better, cash rewards credit cards come with other perks, as well as more opportunities to earn points or cash back on other spending. You can choose a card based on your spending habits to reap the most rewards.

Co-branded oil-company cards typically offer cents off per gallon or cents per gallon rebates. Gas credit cards that are more than just loyalty rewards credit cards tied specifically to the gas station will allow cardholders to earn cents per gallon per dollar spent elsewhere. For example, the Techron Advantage Visa card allows cardholders to earn 20 cents per gallon at Chevron and Texaco for the 90 days after opening an account.

There are pros and cons to both cards and the right card depends on your unique spending situation and credit score.

Gas Card Pros:

  • Better chance of approval: Individuals who are working to rebuild their credit or who have been rejected from popular rewards credit cards are more likely to be approved for a gas card.
  • Card limit: If you are afraid of overspending, gas cards come with smaller credit limits, so there is a less likely chance you will get yourself into unbearable debt.
  • Comes with limited protection: Most gas cards come with some level of fraud protection which makes it a better choice than using a debit card at the pump.
  • Cents off each gallon: Gas cards give you the opportunity to save money on what you are already spending. You might only earn an additional $50 to $100 per year, but that is more than if you were to pay with your debit card.

Gas Card Cons:

  • High APRs (interest rates): You don’t want to hold a balance on these cards because the interest rates are high and will cost you more than any cents per gallon saved or earned.
  • Limited rewards
  • Reward caps

Cash Rewards Credit Cards Pros:

  • Earn more back on a variety of spending
  • Redeem rewards on what you want, not just gas
  • Better APRs (interest rates)

Cash Rewards Credit Cards Reward Card Cons:

  • Stricter credit approval
  • Many cards come with an annual fee

How To Choose a Credit Card for Gas Rewards

When choosing the right card for your gas rewards, don’t just look at how much you earn for spending. You want to compare these important factors too:

  • Rewards cap: Is there a limit to how much you can earn on your annual gas spending? Some cards might offer 5% cash back on gas for one quarter’s spending (usually three months) and then drop it down to 1%.
  • Annual fee: Annual fees are not an automatic deal-breaker, but you need to weigh the card’s perks against the fee.
  • Redemption value: How can you spend your gas rewards? Cards with redemption flexibility will allow you to use your rewards to benefit your budget rather than being wasted on programs that use points for magazine subscriptions.
  • Membership requirements: Some credit cards have warehouse membership fees and rules attached to it. For example, the Costco Citi card requires a $60 annual Costco membership, but you can earn 4% on gas purchases at other fuel stations.

How Much Money Can a Gas Credit Card Save You?

On average, Americans spend $2,109 per year on gas. Your number might be higher if you are a regular commuter or drive a large vehicle. With an average gas price of $2.50 per gallon, that comes out to almost 844 gallons per year. Using those stats, here’s how much you would save with a gas credit card versus a rewards credit card:

  • A gas card that saves 5 cents per gallon: $42.20
  • A rewards card that earns 2% back: $42.18
  • A rewards card that earns 3% back: $63.27
  • A rewards card that earns 5% back: $105.45

Choosing a cash rewards credit card that earns 2% or more cash back on gas will save you more on your gas purchases. While gas spending is pricey, there is probably another spending category (such as groceries or dining out) that you spend more on. Look for a card that will reward you both for gas purchases and your other frequent purchases.

What Is a Foreign Transaction Fee?

A foreign transaction fee is what your credit card issuer — such as Chase or American Express — charges when a transaction you make with your card processes in a foreign currency or passes through a foreign bank. To process these foreign transactions, your card issuer charges you a percentage of the amount of this transaction, typically 3%. You’ll commonly see foreign transaction fees listed on your card statement as a separate charge.

What Is a Statement Credit?

A statement credit is money paid to your account by your card issuer. It essentially works the same as a cash payment to your account. Some rewards card issuers like American Express often offer statement credits as a payout for cash rewards or other point redemption. Statement credit can be used to pay down your card balance or they can remain on your statement as a positive account balance for future purchases.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Ben Luthi
Ben Luthi is a personal finance and travel writer and credit card expert. He has a degree in finance from Brigham Young University and worked in financial planning, banking and auto finance before writing full-time for NerdWallet and Student Loan Hero. Ben is now a full-time freelance writer and enjoys traveling and spending time with his two kids. His work has appeared in several publications, including U.S. News & World Report, USA Today, Money, Success and Slickdeals.