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Best Credit Cards for Buying Gas in January

Advertiser Disclosure: At Slickdeals, we work hard to find the best offers. Most, but not all, products in our articles are from partners who may provide us with compensation, but this doesn’t change our opinions.

With the right card in your wallet, you can maximize the cash back, points or miles you earn at the pump.

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 rewards credit cards for gas stations offer accelerated rewards at gas stations, as well as great rewards on other everyday purchases you make.

Rewards Credit Cards for Gas Purchases
Costco Anywhere Visa® Card by Citi
Gas Rewards: 4% cash back up to $7,000 in annual gas purchases (and then 1% after)
Annual Fee: $0†
Citi Premier® Card
Gas Rewards: 3X ThankYou Points per $1 spent at gas stations
Annual Fee: $95
Citi Rewards+® Card
Gas Rewards: 2X ThankYou Points per$1 spent at gas stations up to $6,000 in annual purchases then 1X points after
Annual Fee: $0
Citi® Double Cash Card
Gas Rewards: 2% cash back on purchases, including gas stations
Annual Fee: $0
Wells Fargo Active Cash℠ Card
Gas Rewards: 2% cash back on purchases, including gas stations
Annual Fee: $0 | Rates and Fees
IHG® Rewards Club Premier Credit Card
Gas Rewards: 2X IHG points per $1 spent at gas stations
Annual Fee: $89
Ink Business Cash® Credit Card
Gas Rewards: 2% cash back on your first $25,000 spent in combined annual purchases at gas stations and restaurants
Annual Fee: $0

† Active Costco membership required

>>Review the methodology our credit card experts use to evaluate credit products and determine the best-in-class cards from our credit card partners, or skip to the most frequently asked questions about gas rewards.

Best Credit Cards for Gas Station Purchases in January 2022 From Our Partners

Depending on what else you spend your money on, these top rewards credit cards for gas station purchases will do a lot more than that. With all that in mind, here are our top choices from our partners.

Costco Anywhere Visa® Card by Citi

Offer Details

Secure application on issuer’s website.

Annual Fee: $0 (active Costco membership required)
Bonus: None
APR: Variable APR of 15.24%
Rewards Rate: 1%-4% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0 (active Costco membership required)

APR: Variable APR based on creditworthiness.

Rewards Rate: The Costco Anywhere Visa by Citi offers 4% cash back on eligible gas purchases up to $7,000 annually, then 1% beyond that cap. It also offers 3% cash back on restaurant spending and eligible travel purchases, 2% cash back for both in-store and online Costco spending and 1% on all other purchases.

Sign-Up Bonus: None

Who Should Use This Credit Card? Costco members

Why We Like It

Why We Like the Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa Card, from our partner Citi, is a must-have for all Costco members. Not only do cardholders earn 4% cash back on eligible gas purchases, but they also earn 3% cash back on restaurant and travel spending and 2% cash back on all other Costco in-store and online purchases.

Most people don’t think of Costco as a place to head for fine dining, though some people swear Costco pizza and hot dogs are among the best value meals around. With a generous rewards rate for dining, groceries, gas and Costco purchases, this card can add up to big savings.

The Costco Anywhere Visa Card, from our partner Citi, is a credit card made exclusively for Costco members. It comes with 4% cash back on up to $7,000 in annual gas purchases (and then 1% after), 3% back on restaurant and travel purchases, 2% back at Costco and Costco.com and 1% on other purchases.

One unique feature of the Costco Anywhere Visa Card is how you get your cash back. While most credit cards give you a monthly credit or a credit when you hit a certain rewards level, the Costco Anywhere Visa Card offers an annual rewards credit for all of your cash back earned. Also, this co-branded Citi credit card doesn’t have an annual fee, but you will need to be an active Costco member to enjoy its benefits.


Citi Premier® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 60,000 ThankYou Points
APR: Variable APR Between 15.99%-23.99%
Rewards Rate: 1X-3X ThankYou Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR based on creditworthiness.

Rewards Rate: The card offers 3x ThankYou Points per $1 spent at supermarkets, gas stations, restaurants, air travel and hotels. Beyond that, the card awards 1x ThankYou Points per dollar spent on all other eligible purchases.

Sign-Up Bonus: New account holders can earn 60,000 bonus ThankYou Points after making $4,000 worth of purchases during the first three months of account opening.

Who Should Use This Credit Card? People who want to maximize rewards in multiple spending categories and welcome transferring points to airline partners.

Why We Like It

Why We Like the Citi Premier® Card

The Citi Premier Card, from our partner Citi, is worth considering if you’re looking for accelerated travel rewards, but don’t want to pay a huge annual fee. It earns 3X points per dollar on air travel, hotels and spending at gas stations. You’ll also earn 3X points per dollar at supermarkets and restaurants and 1X point on everything else.

It’s easy to quickly rack up lots of points on this card. While you can redeem ThankYou points for gift cards, you’ll get more value when you redeem points for flights and hotels, and potentially even better value when you transfer points to travel partners.

Citi has dramatically improved the ThankYou Rewards program in recent years as well as the cards that earn those points, especially the Citi Premier Card. To compete with American Express Membership Rewards and Chase Ultimate Rewards, Citi has onboarded new airline partners like Avianca LifeMiles and JetBlue TrueBlue.

The Citi Premier Card, from our partner Citi, is worth considering if you’re looking for a travel credit card, but don’t want to pay a huge annual fee. The Citi Premier Card offers new cardholders a sign-up bonus of 60,000 ThankYou Points after spending $4,000 during the first three months of account opening.

Additionally, this Citi credit card offers a range of incentives, such as bonus points, gift cards and deals with retail partners. Best of all, you’ll get more value when you redeem points for flights, and potentially even better value when you transfer points to Citi’s travel partners. Read our full review of the Citi Premier Card.


Citi Rewards+® Card

Offer Details
Citi rewards+ card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 20,000 ThankYou Points
APR: Variable APR Between 13.49%-23.49% After Intro 0% APR Period
Rewards Rate: 1X-2X ThankYou Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. Afterwards, any balances will carry a variable APR based on creditworthiness. Note that there is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the balance transfer fee is 5% of each transfer ($5 minimum).

APR: After the intro 0% APR offer concludes, a variable APR between 13.49%-23.49% will apply.

Rewards Rate: The card offers 2X ThankYou points per dollar spent at grocery stores and gas stations up to $6,000 each year (afterwards, the point-to-dollar ratio is 1:1). Beyond that, the card awards 1x ThankYou Points per dollar spent on all eligible spending.

Sign-Up Bonus: Earn 20,000 bonus ThankYou 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

Who Should Use This Credit Card? People who make lots of small purchases.

Why We Like It

Why We Like the Citi Rewards+® Card

The Citi Rewards+ Card, from our partner Citi, has a novel approach to rewarding spending. It rounds up all purchases to the nearest 10 ThankYou Points. As an example, if you bought a cup of coffee for $2, you’d earn 10 ThankYou Points. Similarly, if a burger and fries cost $15, you’d earn 20 ThankYou Points. Awesome, right?

If you make a lot of small purchases, like a morning cup of coffee, this could be the card for you. The Citi Rewards+ Card also earns 2x ThankYou Points per dollar spent at grocery stores and gas stations up to the first $6,000 each year. It also offers introductory 0% interest on purchases and balance transfers for the first 15 months.

Citi Rewards+ Card, from our partner Citi, is a cash-back rewards credit card with no annual fee. The card includes unique features, including a round-up to the next 10 Thank You Points on any purchase and 10% back on redemptions. New cardholders can earn 20,000 bonus Thank You Points after spending $1,500 in the first three months of the account opening date for a limited time. 

When shopping with the Citi Rewards+ Card, you’ll earn 2x Thank You Points per dollar spent at supermarkets and gas stations up to $6,000 in annual purchases. That means you can earn up to 12,000 points per year from these bonus category purchases. Any other purchases beyond $6,000 earn the card’s regular rewards rate of 1x point per dollar. Read our full review of the Citi Rewards+ Card.


Citi® Double Cash Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: None
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 2% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders enjoy 0% introductory APR on all balance transfers for the first 18 months of account opening and are charged an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the fee will be 5% of each transfer (minimum $5). Once the no-interest offer concludes, a variable APR between 13.99%–23.99%, based on creditworthiness, will apply to all balances.

APR: After the intro 0% APR offer concludes, a variable APR will apply.

Rewards Rate: The card offers 2% cash back on all purchases: 1% when you make a purchase; 1% when you pay the card balance.

Sign-Up Bonus: None

Who Should Use This Credit Card? People who want simple, flat-rate cash back on all of their spending.

Why We Like It

Why We Like the Citi® Double Cash Card

The Citi® Double Cash Card, from our partner Citi, is among the top cards on the market for general spending. Forget the cards that offer 1% and 1.5% cash back. The Citi Double Cash Card offers you a whopping 2% cash back for all spending. Earn 1% back when you make a purchase and 1% back when you pay your account balance.

The credit card’s rewards rate makes it perfect for all of the odds and ends you buy from random stores and uncategorized vendors.

The Citi Double Cash Card, from our partner Citi, offers attractive and uncomplicated cash back for people who value a flexible credit card reward program. The Citi Double Cash Card gives you the chance to earn 2% cash back on you purchases. You can receive 1% cash back when you make a purchase and an additional 1% cash back once you pay your bill. 

While there is no sign-up bonus for new members, this cash-back card comes with a competitive 18-month, 0% APR introductory balance transfer offer for new cardholders. After which, you’ll pay a variable APR based on your creditworthiness on any unpaid balances. Read our full review of the Citi Double Cash Card.


Wells Fargo Active Cash℠ Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: Earn a $200 Bonus
APR: Variable APR After Low Intro APR Period
Rewards Rate: 2% Cash Back on Purchases
Details: Full Review

See Rates and Fees

Offer Terms

Annual Fee: $0

Intro APR: The card offers an introductory 0% APR for the first 15 months from account opening on purchases and qualifying balance transfers, then the regular APR is applied to balances. Balance transfers must be made within the first 15 months of membership to qualify for the introductory 0% APR and 3% balance transfer fee. After the promotional period, balance transfer fees increase to 5% (minimum of $5).

APR: After the intro low APR offer concludes, a variable APR will apply.

Rewards Rate: The card offers unlimited 2% cash rewards on purchases.

Sign-Up Bonus: New cardholders earn a one-time $200 cash rewards bonus after spending $1,000 in purchases in the first three months.

Who Should Use This Credit Card? People who prioritize simple cash-back rewards and do not want the hassle of tracking bonus spending categories.

Why We Like It

RWhy We Like the Wells Fargo Active Cash℠ Card

If you’re a fan of cash back for your everyday spending, then you need a 2% cash-back credit card to get rewarded for purchases outside of popular bonus categories like travel, grocery stores and gas stations. With the Wells Fargo Active Cash℠ Card (Rates and Fees), you earn 2% back for every dollar spent without the fuss of quarterly bonus categories. Additionally, it’s rare for a 2% cash-back card to feature a bonus offer for new cardholders.

Plus, the introductory 0% APR offer for the first 15 months of card ownership will be appealing to households planning on expensive projects like home remodeling or big ticket purchases like appliances and vehicle repair.

Many cash-back credit cards tempt you with bonus rewards for specific purchases, but with the Wells Fargo Active Cash℠ Card (Rates and Fees), you simply receive a 2% cash back on purchases. There’s no need to register for anything, and there is no annual fee to carry this credit card in your wallet.

Wells Fargo Active Cash℠ Card applicants can earn a $200 cash bonus after spending $1,000 on the card within the first three months of account opening. Additionally, new accounts receive 15 months of 0% APR promotional financing on both new purchases and balance transfers. Qualifying balance transfers must be made within 120 days of account opening. Read our full review of the Wells Fargo Active Cash℠ Card.


IHG® Rewards Club Premier Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $89
Bonus: 125,000 Points
APR:Variable APR
Rewards Rate: 1X-25X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $89

APR: Variable APR depending on credit worthiness.

Rewards Rate: This hotel credit card awards up to 25X points per dollar at IHG Hotels, 2X points at gas stations, grocery stores and restaurants and 1X points on all other purchases.

Sign-Up Bonus: New cardholders earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening.

Who Should Use This Credit Card? Frequent customers of IHG hotels and other people who enjoy earning rewards nights for hotel stays and premium hotel status.

Why We Like It

Why We Like the IHG® Rewards Club Premier Credit Card

Aside from its astounding sign-up bonus, the IHG Rewards Club Premier offers tons of value, especially for loyal IHG customers. You get a free reward night every year on your account anniversary for use at eligible IHG hotels. When you redeem points for stays of four nights or longer at any IHG hotel, your fourth rewards night is free. Cardholders also enjoy Platinum Elite status as long as you remain a Premier card member. Plus, it offers a Global Entry or TSA Pre✓® fee credit of up to $100 every four years as reimbursement for the application fee charged to your card. IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels and Holiday Inn®.

This IHG card is a traveler’s dream, especially if you’re already a loyal IHG customer. The perks accompanying this Chase co-branded credit card are worth way more than the $89 annual fee that comes with it. If you’re in the market for a hotel rewards credit card, look no further than the IHG Rewards Club.

The IHG Rewards Club Premier Credit Card is a traveler’s dream, especially if you’re already a loyal IHG customer. The perks accompanying this co-branded Chase credit card are worth way more than the $89 annual fee. The IHG Rewards Club Premier Card comes with Platinum Elite Status, a free anniversary night every year and a free rewards night for reward stays four nights or longer. It’s great for international travel because there are no foreign transaction fees.

This hotel credit card comes with an attractive offer — new cardholders can earn a sign-up bonus of 125,000 points after spending $3,000 in the first three months of account opening.  A sign-up bonus like this can go a long way towards free reward nights at participating IHG hotels around the world, including InterContinental, Crowne Plaza, Kimpton, Even Hotels, Indigo Hotels and Holiday Inn. Read our full review of the IHG Rewards Club Premier.


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.

The Ink Business Cash Card is a valuable business cash-back card for entrepreneurs of all types. Earn an impressive rewards rate of 5% cash back on select business purchases. These include the first $25,000 you spend each account anniversary year at office supply stores and on phone, cable and internet services. Ink Business Cash also offers 2% cash back on up to $25,000 in combined purchases at restaurants and gas stations. You’ll earn 1% cash back on virtually all other purchases.

As a new cardholder, get $750 in bonus cash back when you make $7,500 worth of purchases within the first three months of account opening. Additionally, this no-annual-fee card offers an introductory 0% APR during the first 12 months of account opening on new purchases (balance transfers are excluded from this intro APR offer). Read our full review of the Ink Business Cash.


Best American Express Credit Cards for Gas Station 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.


Rewards Credit Cards for Gas 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.

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

Methodology

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.

Frequently Asked Questions on Gas Cards

Which Credit Card Earns the Most Points for Gas Station Purchases?

The PenFed Platinum Rewards Visa Signature is the highest-earning card for gas purchases — it earns 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. 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 PenFed Platinum Card.

What gas stations take credit cards?

Nearly all gas stations accept most major credit cards, including Visa, MasterCard, American Express, Discover Card and others. The biggest gas station brands such as Shell, Chevron, Texaco, QuikTrip, Love’s and more take credit cards. Some gas stations might charge a fee for paying with a credit card.

Are gas credit cards a good idea?

Gas credit cards can be a good idea for people who have a long, daily commute or live in communities where gas prices are above the national average. When you drive a lot, you’ll earn points every time you fill your tank. Additionally, a gas credit card can be a valuable option for those who live far from work, shuttle kids to school and other other activities, drive trucks or SUVs, or travel by car for trips and leisure.

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 to choose a gas credit card?

You can start by looking for a gas card that is accepted at services stations near you. Some options earn rewards regardless of which gas station you frequent, while others earn accelerated rewards for spending at specific brands. Consider credit cards that also earn rewards for non-gas purchases. Additionally, you can increase your fuel rewards by opening a gas card without an annual fee.

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. 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.

Who should not consider a gas card?

If you don’t drive often or work from home, then a gas card may not be for you. Also, anyone who drives a hybrid, fuel-efficient, or eco-friendly vehicle might not spend enough on gasoline to justify a gas credit card.

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.