Gas rebate credit cards

By updated on April 16, 2014

If you have a long commute, you drive a lot for your job or you're always toting the kids around, gas rebate credit cards can save you a lot of money, especially as gas prices continue to climb.

Gas rebate credit cards are rewards credit cards that pay above-average rebates on vehicle fuel purchases at most neighborhood filling stations that accept credit card payments, regardless of brand. Like most rewards cards, gas rebate credit cards usually require an excellent to good credit score.

Don't confuse gas rebate credit cards with gas charge cards, which can only be used at a certain brand of filling station. Gas rebate credit cards give you a lot more flexibility and they don't just pay rewards on gas, either.

Who should get a gas card?

The best rewards credit card for your needs depends entirely on how you use your credit card. In general, a rewards card is best for people who pay their balance in full each month because interest rates are often a little higher on credit cards that come with rewards. Some cards are also available without an annual fee.

While rewards credit card offers that include bonus frequent flyer miles or free nights at a hotel may get attention for their glamour factor, if you drive a lot for work, have a long commute or travel often by car, a gas rebate card may be a better deal for you.

The more gas you have to buy for your commute or to haul your kids around to activities, the more you'll save with a gas credit card.  

You can go one of two ways to earn rewards for buying gas: either a gas credit card tied to a particular brand of gas or a gas rebate card that you can use at a variety of gas stations.

How many different types are there?

Gas rebate card or gas card?

The first factor in your choice of a gas rebate card is whether you are brand loyal to your gas station. If you always buy from the same place or travel in an area dominated by one particular gas station chain, you may want to choose a gas card tied to that chain.

  • Gas card: There are two types of credit cards associated with a particular brand of gas. You can get a regular credit card that can be used anywhere Visa and MasterCard are accepted, and will earn rebates only on gas purchases from that particular type of gas station. You may or may not also earn rebates on other purchases with these cards. The other type of gas card is one that can only be used at a particular retail location, such as all Exxon/Mobil stations. In general, you can earn cash rebates such as ten cents per gallon of gas with a gas card tied to a particular company.
  • Gas rebate card: If you buy from several different gas stations, or travel to places with a variety of gas station options, you may be better off with a gas rebate card that gives you rewards on gas purchased anyplace. These cards can be used anywhere Visa and MasterCard are accepted and will usually provide you rewards for all types of purchases, where spending on gas earns the highest rewards. You can earn two to five percent on your gas purchases along with earning one or two percent on other spending.

There are two different types of gas cards - those that are associated with one particular gas chain and those that allow owners to gas up at any station. Those affiliated with a particular gas chain offer excellent rewards when buying that brand of gas, but limit your choices. Apply for a gas rebate credit card that allows you to gas up at any station if you use many different brands of gasoline, or don't want to search for a particular brand of gasoline when you travel.

So these cards are only good for gas?

No. Typically you can use your gas rebate card anywhere your Visa or Mastercard are accepted. And you can earn rewards for using the card for non-gas purchases. But your best rewards are going to be accrued when you buy gas at the station sponsoring the card when you have a card affiliated with a particular gas chain, and whenever you buy gas using a gas rebate card that is not affiliated with a specific fuel retailer.  However, there are retail gas cards available which you would only be able to use at a specific retail chain. 

What are some of the other advantages?

In addition to the per-gallon fuel credit, many gas credit cards offer fuel credits for nonfuel purchases you make - either at the company's stations or wherever the card is taken. Some cards also offer no annual fee, and complete liability coverage. According to a Fox Business report, the average person could save up to $250 a year on gas alone.

What should you base your decision on?

In addition to analyzing the frequency with which you buy gas, you should also think about where you buy your gas. If you tend to stop at the same station all the time - or the same brand of station - then a credit card with that gas company would make sense. But if you tend to buy gas at many different stations, it is better to have a gas rebate credit card that does not tie you to one particular brand.

How to qualify for a gas rebate card

In general, gas rebates are only available on good credit credit cards or for people with excellent credit. Check your credit score before applying to make sure you can qualify for a gas rewards credit card.

Compare the gas rebate cards on this page to see which credit card might be the best choice for you.

So, if I buy at many different stations, should I forego a gas card?

Maybe. Another option for you would be a gas rebate credit card that provides rewards at a number of different stations.

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Chase Freedom®

Editor's Rating

  • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%.
Apply Now Credit Needed Good

Cashback on Gas

1%

Cashback on groceries

1%

Cashback on other

1%

Purchase APR

13.99% - 22.99% Variable

Annual Fee

$0 

Capital One® Quicksilver® Cash Rewards Credit Card

Editor's Rating

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
Apply Now Credit Needed Good

Cashback on Gas

1.5%

Cashback on groceries

1.5%

Cashback on other

1.5%

Purchase APR

12.9% - 22.9% (V) 

Annual Fee

$0 

Barclaycard® Rewards MasterCard® - Average Credit

Editor's Rating

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
Apply Now Credit Needed Average/Fair

Cashback on Gas

N/A

Cashback on groceries

N/A

Cashback on other

N/A

Purchase APR

24.99%* Variable

Annual Fee

$0 

Blue Cash Everyday® Card from American Express

Editor's Rating

  • Get 50 Reward Dollars, redeemable for a $50 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items. Terms and Restrictions Apply.
Apply Now Credit Needed Excellent

Cashback on Gas

2%

Cashback on groceries

Up to 3%

Cashback on other

2% at select US dept stores, 1% on other purchases

Purchase APR

12.99% - 21.99% Variable

Annual Fee

$0 

Blue Cash Preferred® Card from American Express

Editor's Rating

  • Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items. Terms and Restrictions Apply.
Apply Now Credit Needed Excellent

Cashback on Gas

3%

Cashback on groceries

Up to 6%

Cashback on other

3% at select US dept stores, 1% on other purchases

Purchase APR

12.99% - 21.99% Variable

Annual Fee

$75 

PenFed Platinum Cash Rewards Visa® Card

Editor's Rating

  • Plus Card: 5% cash back on gas paid at the pump with a qualifying PenFed product.* No annual fee.
  • Standard Card: 3% cash back on gas purchases paid at the pump. $0 First Year, then $25 Annual Fee.
  • No foreign transaction fee
Apply Now Credit Needed Excellent

Cashback on Gas

Up to 5%**

Cashback on groceries

N/A

Cashback on other

N/A

Purchase APR

9.99% Variable

Annual Fee

See terms 

TrueEarnings® Card from Costco and American Express

Editor's Rating

  • 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%
  • 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco
  • Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon. Terms and restrictions apply.
Apply Now Credit Needed Excellent

Cashback on Gas

Up to 3%

Cashback on groceries

Cashback on other

1%

Purchase APR

15.24% variable

Annual Fee

No Annual Fee with your paid Costco Membership 

Capital One® QuicksilverOneSM Cash Rewards Credit Card

Editor's Rating

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
Apply Now Credit Needed Average/Fair

Cashback on Gas

1.5%

Cashback on groceries

1.5%

Cashback on other

1.5%

Purchase APR

22.9% (V) 

Annual Fee

$39 

Credit One Bank® Credit Card with Gas Rewards - Fair Credit

Editor's Rating

  • 1% back on all gas purchases
  • No limit to the gas rewards you can earn
  • Rewards post to your account automatically each month
Apply Now Credit Needed Average/Fair

Cashback on Gas

N/A

Cashback on groceries

N/A

Cashback on other

N/A

Purchase APR

17.90% - 23.90% Variable

Annual Fee

$35-$75 

JourneySM Student Rewards from Capital One®

Editor's Rating

  • Earn 1% cash back on every purchase, every month--and pay no annual fee
  • For every month you pay on time, you receive a 25% bonus--that's a total of 1.25% cash back
  • Get access to a higher credit line after making your first 5 monthly payments on time
Apply Now Credit Needed Average/Fair

Cashback on Gas

1%

Cashback on groceries

1%

Cashback on other

1%

Purchase APR

19.8% (V) 

Annual Fee

$0 

These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.