Best credit cards for gas of November 2026
Fuel up your savings with the best gas credit cards. Earn 2%, 3%, or even 5% cash back on every gas purchase. Discover top gas rewards credit cards offering incredible rewards, 0% APR introductory periods, and more.
Whether you’re commuting daily or embarking on a road trip, the right gas station credit card can significantly reduce your fuel costs. Don’t miss out on the opportunity to earn maximum rewards on every fill-up. Find the best credit card for gas to fit your lifestyle and start saving today!
CardRatings’ top picks for gas credit cards
Gas prices are always fluctuating, but one thing’s for sure: they can take a serious bite out of your budget. The good news is, there are credit cards designed to help you save money on every fill-up. By choosing the right gas credit card, you can earn valuable rewards, cash back, or even travel points on your gas purchases. Our experts have compiled the best gas credit cards on the market – see our top picks and tips!
Blue Cash Preferred® Card from American Express
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Why we like it
Elevated rewards on not only gas purchases made at U.S. gas stations, but at U.S. supermarkets as well, makes this is winning card in our books. issuer_contextual_disclosure
Elevated rewards on not only gas purchases made at U.S. gas stations, but at U.S. supermarkets as well, makes this is winning card in our books. issuer_contextual_disclosure
- This card offers a whopping 6% cash back on eligible grocery purchases at U.S. supermarkets up to $6,000 spent per year. That works out to a maximum of $360 in cash back if you just max out that opportunity. You can also earn 3% cash back on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and gas purchases at eligible U.S. gas stations, among other rewards.
- There is a nice introductory offer of 0% intro APR on purchases and balance transfers for intro_apr_duration from the date of account opening. After that, the rate is RegAPR, based on your creditworthiness.
- The welcome bonus is attractive and can be earned with even moderate spending.
- There is an annual fee to consider. If you don't plan to use the card regularly, it may be hard to offset this.
- This isn't the best card to travel abroad with as it charges a fee on foreign transactions.
Blue Cash Everyday® Card from American Express
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Why we like it
This no-annual-fee card offers competitive rewards on everyday spending, with a special focus on gas purchases made at U.S. gas stations. Earn big on your fill-ups and maximize your rewards on online shopping too. It's the perfect card for drivers and savvy spenders.
This no-annual-fee card offers competitive rewards on everyday spending, with a special focus on gas purchases made at U.S. gas stations. Earn big on your fill-ups and maximize your rewards on online shopping too. It's the perfect card for drivers and savvy spenders.
- For everyday purchases, this card is a simple and straightforward option.
- Enjoy flexible redemption options with your cash back rewards. Choose between a statement credit or other select options.
- New cardholders can earn a nice cash-back welcome bonus with this card, in addition to a solid cash-back rewards rate on purchases.
- This card has an annual cap on bonus rewards. If you're a high spender in the bonus categories, you might want to consider a card with no limit.
- Gas rewards are only earned on U.S. gas station purchases, so if you regularly travel abroad, you might be disappointed to learn that you won’t earn bonus rewards on gas purchases made outside of the United States.
Bank of America® Customized Cash Rewards credit card
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Why we like it
If you don’t spend heavily on gas or EV charging purchases all the time, you might like the flexibility that comes with this card. Cardholders can choose from six categories where they’ll earn the most each month, so if you know you have some months where you won’t spend heavily on gas or EV charges, you can rest easy knowing you can get rewarded well in whichever category you might need to spend the most that month.
If you don’t spend heavily on gas or EV charging purchases all the time, you might like the flexibility that comes with this card. Cardholders can choose from six categories where they’ll earn the most each month, so if you know you have some months where you won’t spend heavily on gas or EV charges, you can rest easy knowing you can get rewarded well in whichever category you might need to spend the most that month.
- Tailor your rewards to your spending habits. This card lets you select the category where you earn the most cash back.
- Eligible BofA Rewards™ members can earn 10% more cash back with this card.
- You can only adjust your cash-back earning category once per calendar month. If an unexpected expense comes up in a different category after you've already made your choice, you won't be able to switch that category until the following month rolls around.
Why we like it
Attention Costco members! This card gives you bonus rewards on Costco purchases and other everyday spending, so it's a great choice for anyone with a Costco membership. You can earn generous cash back rewards on gas at Costco and other eligible gas and electric vehicle (EV) charging purchases.
Attention Costco members! This card gives you bonus rewards on Costco purchases and other everyday spending, so it's a great choice for anyone with a Costco membership. You can earn generous cash back rewards on gas at Costco and other eligible gas and electric vehicle (EV) charging purchases.
- This card offers excellent cash back rewards on gas purchases, especially at Costco, as well as on other eligible gas and EV charging purchases. You'll also earn strong rewards at restaurants and on travel, including Costco Travel, plus bonus rewards on Costco purchases, both in-store and online. You'll even earn cash back on all other purchases you make.
- Feel free to take this card with you if you travel abroad – you won't be charged a foreign transaction fee.
- Rewards redemption is automatic and only occurs once a year. If you're looking for more flexibility with your rewards, this might not be the best option for you.
Why we like it
ThankYou® Points sometimes get overlooked in the world of rewards currencies, but these are valuable and flexible points with lots of redemption options. Plus, this card offers excellent rewards-earning for your gas station purchases as well as numerous other everyday purchases. Citi is a CardRatings advertiser.
ThankYou® Points sometimes get overlooked in the world of rewards currencies, but these are valuable and flexible points with lots of redemption options. Plus, this card offers excellent rewards-earning for your gas station purchases as well as numerous other everyday purchases. Citi is a CardRatings advertiser.
- You can receive a $100 statement credit in hotel savings every year on a single stay of more than $500 (excluding taxes and fees) when booked through CitiTravel.com. That more than offsets your annual fee.
- Many everyday-type purchases earn three points per dollar spent, making this card an excellent choice for regular use.
- You can save money when using this card while abroad as it doesn't charge foreign transaction fees.
- While there are a lot of everyday categories in which to earn top rewards, this rewards card doesn't always offer the best value when you redeem your rewards. There is no extra value for redeeming through the proprietary portal, for instance, and the travel partners aren't really the most popular ones out there.
- Keep in mind that there is an annual fee to consider; it's reasonable, but it isn't worth it if you aren't going to more than offset it with your rewards and features. The annual hotel bonus would more than do it if you can take advantage of that.
Why we like it
This card is a market leader in cash-back rewards, especially for gas! Cardholders earn bonus cash back on eligible gas purchases, plus rewards at restaurants, all up to the quarterly limit.
This card is a market leader in cash-back rewards, especially for gas! Cardholders earn bonus cash back on eligible gas purchases, plus rewards at restaurants, all up to the quarterly limit.
- New cardholders get a cash back match at the end of their first year – doubling your rewards and making it easy to rack up cash back!
- This card offers a valuable intro APR period which could come in handy for some cardholders.
- Get a little breathing room. Discover waives the fee for your first late payment, and your APR won't automatically increase.
- There is a quarterly cap on the amount of bonus rewards you can earn. If you expect your spending in the bonus categories to regularly exceed the cap, a card with a higher limit could be more rewarding.
Why we like it
This is a good option for anyone looking for a balance transfer offer, plus, it's a great card for earning rewards on all purchases, not just gas. Also, this card encourages responsible use with its rewards system, which we appreciate.
This is a good option for anyone looking for a balance transfer offer, plus, it's a great card for earning rewards on all purchases, not just gas. Also, this card encourages responsible use with its rewards system, which we appreciate.
- The balance_transfer_duration_months 0% APR offer is one of the better offers on the market. After the intro a RegAPR APR applies.
- A annual_fees annual fee is always a good place to start a relationship with any card.
- This card offers a delightfully simple 2% cash on all purchases. You get 1% when you make the purchase and another 1% when you pay for them (be sure to make the minimum payment due on time to earn that second 1% back).
- This card doesn't offer an introductory interest rate for purchases.
- To qualify for the bonus cash-back rewards, you need to make at least the minimum payment, on time each month. We actually like this as it encourages good credit card habits, but if you can't make your payments on time you'll want to keep it in mind.
U.S. Bank Altitude® Go Visa Signature® Card
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Why we like it
The opportunity to earn solid rewards on your gas purchases plus earning rewards for other common everyday purchases makes this card a winner in our book. Plus, there's a generous introductory APR offer many cardholders are sure to appreciate. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
The opportunity to earn solid rewards on your gas purchases plus earning rewards for other common everyday purchases makes this card a winner in our book. Plus, there's a generous introductory APR offer many cardholders are sure to appreciate. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
- Look at those rewards on everyday purchases! Perhaps the best part is that there aren't spending caps on even the highest rewards categories. That means the sky's the limit for rewards you can earn.
- Enjoy an annual $15 statement credit for select streaming services such as Netflix, Disney+, Apply Music, Spotify and more.
- The rewards for your gas station purchases and EV charging station purchases are solid, but they are about the only "travel" type purchases that earns accelerated rewards. This card is really designed for the person who wants big earning on the things they purchase every day rather than the big trips they take a few times a year.
Why we like it
This is an easy choice with its top-tier rewards for gas station purchases. Add to that there's no annual fee and additional high rewards offered on your supermarket purchases and it's easy to see why we like this for a gas rewards card. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
This is an easy choice with its top-tier rewards for gas station purchases. Add to that there's no annual fee and additional high rewards offered on your supermarket purchases and it's easy to see why we like this for a gas rewards card. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
- When it comes to rewards on gas purchases, very few cards can match this one. You earn five points (5%) on every dollar spent on gas at the pump (fuel for airplanes and boats and made in store via attendant earn one point per dollar spent). For what it's worth, you also earn 5x points on purchases at electric vehicle charging stations.
- This card has a has a good ongoing interest rate, from RegAPR, depending on credit worthiness.
- On top of everything else, PenFed Platinum Rewards Visa Signature® has no annual fee.
- The welcome bonus is not something that will likely generate much excitement. You can earn a modest 15,000 points after you spend $1,500 in the first 90 days of account opening.
- Access to this card is not easy. You need an excellent credit rating to be approved.
Capital One QuicksilverOne Cash Rewards Credit Card
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Why we like it
A credit card that offers strong rewards on gas station purchases means your day-to-day commute and running around town could bring in some nice rewards, but what if you're planning on doing some driving in a more exotic locale? Many of the cards on this list, especially those considered to be "cash-back" cards, charge foreign transaction fees if you use them while abroad, so filling up that rental car during your vacation in Europe could cost more than you planned. This card, however, is foreign-transaction-fee free and still offers solid rewards-earning opportunities. Plus, it's nice to know you have an option if you're in the fair/average credit range.
A credit card that offers strong rewards on gas station purchases means your day-to-day commute and running around town could bring in some nice rewards, but what if you're planning on doing some driving in a more exotic locale? Many of the cards on this list, especially those considered to be "cash-back" cards, charge foreign transaction fees if you use them while abroad, so filling up that rental car during your vacation in Europe could cost more than you planned. This card, however, is foreign-transaction-fee free and still offers solid rewards-earning opportunities. Plus, it's nice to know you have an option if you're in the fair/average credit range.
- We like things nice and simple. This card offers a flat 1.5% cash back on every purchase. No caps, no categories, no expiration.
- There are no foreign transaction fees to worry about, so feel free to take this card along when you travel abroad or just use it when making online purchases in a foreign currency from the comfort of your own home.
- There's no welcome bonus offer on this card; that's not unusual for a card available to people with fair/average credit, but it could still be disappointing.
- The annual fee isn't high, but it's there and something to consider. Rewards cards for people in the fair/average credit score range aren't easy to come by, though, so the annual fee could very well be worth it.
Why we like it
Rewards cards for people who are new to or rebuilding credit aren't easy to come by. Not only does this card offer rewards, it offers competitive rewards – the kind that you might even find on a non-secured or traditional card.
Rewards cards for people who are new to or rebuilding credit aren't easy to come by. Not only does this card offer rewards, it offers competitive rewards – the kind that you might even find on a non-secured or traditional card.
- When it comes to rewards, cards available to those with limited credit aren't commonly going to offer them. This one, however, offers you 2% cash back on gas station and restaurant purchases up to $1,000 spent quarterly in combined purchases (then, 1%).
- As unusual as rewards are on cards for low/no credit, welcome bonus offers are even more rare. Once again, this Discover card rises to the occasion. Discover will match all the cash back you earn during your first year as a cardholder.
- With responsible use, this card can help you build or rebuild your credit score.
- To establish your line of credit, you need to make a minimum $200 security deposit. That's a healthy chunk of money to come up with up front. If that's going to be a problem, there are other secured cards out there that offer lower security deposit opportunities.
- Discover cards are becoming more widely accepted all the time, but they still lack the reach of a Visa or Mastercard. It's just something to think about, but may not be an issue at all depending on where you normally make purchases.
Why we like it
Simple to understand rewards combined with a stellar bonus opportunity during your first year as a cardholder make this a solid choice for gas rewards (and restaurant rewards, too, for that matter).
Simple to understand rewards combined with a stellar bonus opportunity during your first year as a cardholder make this a solid choice for gas rewards (and restaurant rewards, too, for that matter).
- Student cards aren't necessarily known for great welcome bonus opportunities, but this card is an exception. Matching cash back for new cardholders is what sets Discover cards apart. The card will match, dollar for dollar, all the cash back you've earned during the first year you have the card.
- Another unusual student card feature: an intro 0% APR on purchases for intro_apr_duration (then, RegAPR).
- The $1,000 combined quarterly spending cap on the 2% cash back category of dining and gas isn't terribly high. If you tend to spend more in those categories, another card might be a better choice.
- While their reach is growing, Discover cards are still not as widely accepted as Visa and Mastercard cards. This is especially true outside of the United States.
Why we like it
Costco shoppers, fuel your savings! This card boosts your rewards on gas purchases at Costco and everywhere else, maximizing your savings even further on top of Costco's already low prices. It's a smart choice for businesses already shopping at Costco. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
Costco shoppers, fuel your savings! This card boosts your rewards on gas purchases at Costco and everywhere else, maximizing your savings even further on top of Costco's already low prices. It's a smart choice for businesses already shopping at Costco. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
- Cardholders not only earn bonus rewards on Costco and gas purchases, but in other categories that might be popular with business owners as well.
- This is a good card to travel abroad with as it doesn’t charge foreign transaction fees.
- Speaking of fees, there’s no annual fee if you have a paid Costco membership.
- Rewards are only distributed once annually, once your February billing statement closes. This isn’t idea for cardholders who wish to cash in on rewards at their leisure.
Compare gas cards with rewards by perks and features
Want to see how our picks for the best gas credit cards stack up against each other? Our comparison tool makes it easy to compare up to threetwo cards at a time. Simply select the cards you’re interested in and we’ll automatically display their key perks and features side-by-side. With a quick glance, you can easily identify the card that best suits your needs and preferences.
Blue Cash Preferred® Card from American Express
Blue Cash Everyday® Card from American Express
Bank of America® Customized Cash Rewards credit card
Costco Anywhere Visa® Card by Citi
Citi Strata Premier® Card
Discover it® Chrome
Citi Double Cash® Card
U.S. Bank Altitude® Go Visa Signature® Card
Platinum Rewards Visa Signature® Card
Capital One QuicksilverOne Cash Rewards Credit Card
Discover it® Secured Credit Card
Discover it® Student Chrome
Costco Anywhere Visa® Business Card by Citi
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Blue Cash Preferred® Card from American Express
Blue Cash Everyday® Card from American Express
Bank of America® Customized Cash Rewards credit card
Costco Anywhere Visa® Card by Citi
Citi Strata Premier® Card
Discover it® Chrome
Citi Double Cash® Card
U.S. Bank Altitude® Go Visa Signature® Card
Platinum Rewards Visa Signature® Card
Capital One QuicksilverOne Cash Rewards Credit Card
Discover it® Secured Credit Card
Discover it® Student Chrome
Costco Anywhere Visa® Business Card by Citi
Blue Cash Preferred® Card from American Express
Blue Cash Everyday® Card from American Express
Bank of America® Customized Cash Rewards credit card
Costco Anywhere Visa® Card by Citi
Citi Strata Premier® Card
Discover it® Chrome
Citi Double Cash® Card
U.S. Bank Altitude® Go Visa Signature® Card
Platinum Rewards Visa Signature® Card
Capital One QuicksilverOne Cash Rewards Credit Card
Discover it® Secured Credit Card
Discover it® Student Chrome
Costco Anywhere Visa® Business Card by Citi
What to look for in a gas credit card
The average American spends approximately $2,400 a year on gasoline, according to the U.S. Department of Labor, so even a card with a great gas rewards rate may only earn you a modest amount of extra cash back or points. That’s why it can make sense to look beyond the gas rewards rate. A card that also earns rewards on groceries, dining, travel or other purchases you make regularly could give you more value over time.
Here are some of the features that can make a gas credit card worth using.
A rewards rate of 3% or higher at gas stations
A good gas credit card should offer at least 3% back or the equivalent in points at gas stations. If a card only earns 1% or 2% on gas, you may get more value from a flat-rate card that earns 2% back on everything.
Also check whether the gas rewards have a spending cap. A generous rewards rate isn’t as useful if you can only earn it on a small amount of gas spending each month or year.
Coverage where you actually fill up
Make sure your card’s gas rewards apply where you usually fill up. Standalone gas stations typically qualify, but gas stations at wholesale clubs like Costco, Sam’s Club and BJ’s may not.
The same can be true for gas pumps at larger stores like Walmart and Target. These purchases may not code as gas, which means you could miss out on the card’s higher rewards rate.
If you regularly fill up at a warehouse club or superstore, check the card’s terms before you apply.
EV charging station coverage
If you drive an electric vehicle, check whether the card treats EV charging as part of its gas rewards category. Not every card does.
Some major rewards cards explicitly include EV charging in their gas or transit categories. Check whether your card covers charging stations, as this can make a significant difference if EV charging is one of your largest transportation expenses.
Bonus categories beyond gas
Gas is only one part of most household budgets. With that in mind, it can make sense to choose a card that also rewards a category where you spend more.
For example, a card that earns extra rewards on groceries, dining, streaming services or travel could give you more value than a card with a slightly higher gas rewards rate but no other useful bonus categories.
No annual fee — unless the other categories justify it
Gas spending alone usually isn’t enough to justify a $95 or higher annual fee. For example, if you spend $200 a month on gas, that’s $2,400 a year. At 3% back, you’d earn about $72 in gas rewards.
That doesn’t even cover a $95 annual fee. The card would need to earn at least another $23 in rewards from other spending or benefits just to make up the difference.
A rewards card with an annual fee can still make sense, but only if its other bonus categories or benefits give you enough value to cover the fee.
Types of gas credit cards
Gas credit cards come in a few different forms. The right type for you depends largely on where you buy gas and whether you want cash back, points or savings at the pump.
General cash back credit cards with gas categories
This is the most common type of gas rewards card. These cards offer extra cash back at gas stations along with rewards on other types of everyday spending.
Many general-purpose credit cards feature gas as a permanent or rotating bonus category. These cards can be a strong fit if you want to earn elevated cash back or points on your fuel purchases without being tied to a specific gas station brand.
Gas station co-branded credit cards
Gas station credit cards are tied to a specific fuel brand, such as Shell, ExxonMobil, BP, Sunoco or Marathon. Instead of traditional cash back, these cards often give you savings in cents per gallon when you fill up at the brand’s stations.
The trade-off is that these cards may not be as useful for other purchases. If you rarely fill up at the same gas station brand, a general rewards card could give you more flexibility.
Wholesale club gas credit cards
If you regularly buy gas at Costco, Sam’s Club or BJ’s, a wholesale club credit card may be worth a look. These cards offer rewards at the club’s gas stations, where some general-purpose credit cards may not code the purchase as a gas station purchase.
Many major warehouse clubs offer co-branded credit cards with enhanced rewards at their pumps. These cards can make sense if you already hold a membership and regularly fill up there.
➤ See our best credit cards for wholesale clubs for options
Travel rewards cards with gas categories
Some travel credit cards also reward gas purchases, letting you turn money spent at the pump into points for future trips. This can be a good option if you prefer travel rewards over cash back and want one card that covers several types of spending.
Does EV charging count as gas on your credit card?
If you drive an electric vehicle, don’t assume a credit card that rewards gas purchases will also reward you for charging. Some cards specifically include EV charging in their gas or transportation category, while others don’t.
Which cards explicitly include EV charging in their gas category?
Several major rewards cards explicitly include EV charging in their bonus category alongside traditional gas stations, though you should always check a card’s terms and bonus category definitions before you apply.
How Tesla Superchargers and third-party networks are coded differently
The way an EV charging purchase is coded can affect whether you earn bonus rewards. Charging networks such as EVgo, ChargePoint and Electrify America may code as electric vehicle charging stations or gas stations, depending on the merchant and how the transaction is processed.
Tesla Supercharger purchases can also be coded differently from other charging networks. As a result, Tesla owners shouldn’t assume they’ll earn the same rewards rate on every charging purchase.
If EV charging is a major part of your spending, check your card’s terms and the charging network’s merchant coding before counting on a bonus rewards rate.
What to do if you drive both a gas car and an EV
If your household uses both gasoline and electric vehicles, look for a card that rewards both types of purchases. That can be easier than keeping track of which card to use at the gas pump and which one to use at the charger.
Tips to maximize your gas credit card rewards
Once you have a gas rewards card, there are a few easy ways to get more value from your spending. You can stack card rewards with gas station programs, use rotating bonus categories when they make sense or pair your gas card with another card that rewards a larger part of your budget.
Stack card rewards with gas station loyalty programs and cash back apps
You don’t have to choose between credit card rewards and gas station savings. Programs such as Shell Fuel Rewards, Exxon Mobil Rewards+ and BPme Rewards can offer savings at the pump that you can combine with your credit card rewards. Cash back apps such as Upside can also offer additional savings at participating gas stations.
For example, say you spend $60 to fill up 15 gallons at Shell. If your credit card earns 3% back, you’d get $1.80 in cash back. If you also save 5 cents per gallon through a gas station loyalty program, that’s another 75 cents in savings. An offer through a cash back app could add even more.
The exact savings will vary based on the gas station, your loyalty status and available app offers, but stacking these programs can add up.
Use rotating category cards when gas earns 5%
Some cards offer 5% cash back on gas stations during certain quarters of the year as part of a rotating bonus category program.
When gas is a featured 5% category, activate the offer and use the card for your gas purchases up to the applicable spending limit. Once the bonus period ends, you can switch back to your regular gas rewards card.
Pair your gas card with a card that covers a bigger everyday category
Since gas may only make up a small part of your overall spending, you could potentially earn more rewards by pairing your gas card with another card that rewards other large expenses like groceries or travel.
For example, a driver who spends $200 a month on gas and $500 a month on groceries could earn about $72 a year on gas at 3% back and another $180 a year on groceries at 3%. That’s $252 in rewards from those two spending categories alone.
The best two-card setup will depend on where your spending normally falls, but you should strive to use each card where it earns the most.
Use one card for both gas and groceries
If you don’t want to keep track of several credit cards, look for one that offers bonus rewards on both gas and groceries. This can make your rewards strategy easier while still giving you a solid return on two common household expenses.
Many major rewards cards and customizable cash back cards offer elevated earning rates in these two categories, though their exact rewards structures, bonus caps and earning limits will vary.
A single card won’t always earn the absolute maximum rewards across every purchase, but it can be worth giving up a little extra cash back in exchange for a simpler setup.
When does a co-branded gas station credit card make sense?
Co-branded gas station credit cards can be useful, but they aren’t the right fit for everyone. In many cases, a general cash back card gives you more flexibility and rewards. Still, there are a few situations where a branded card can make sense.
You always fill up at the same brand
If you fill up at the same gas station every week, a branded card may be worth considering. These cards often give you a set discount per gallon, which can add up if you buy a lot of gas.
For example, a driver who buys 20 gallons of gas a week at Shell would save about $52 a year with a discount of 5 cents per gallon.
You want the discount at the pump instead of a statement credit
Branded gas cards typically give you savings in the form of cents off per gallon when you fill up. With a general cash back card, you usually earn rewards that appear on your account after the purchase.
Some people prefer seeing the savings right away at the pump. If that’s important to you, a branded card may be appealing even if another card could earn slightly more in total rewards.
You have limited credit or you’re building credit
A gas station branded card may also be an option for someone who has limited credit history or is building credit. These cards can be easier to qualify for than most premium rewards cards, although approval requirements vary.
Keep in mind that branded cards often have low credit limits and high APRs. If you use one to build credit, pay your balance in full each month to avoid interest charges that can quickly wipe out any gas savings.
Compare the best credit cards for gas by user ratings
By analyzing real-world user experiences, we have developed a robust rating system that reflects the performance and value of various credit cards based on consumer insights. This chart allows you to easily compare these ratings side-by-side, enabling informed decision-making based on the feedback of actual cardholders.
CardRatings commissioned Dynata in November 2025 to survey 2,797 cardholders nationwide. Ratings were given for various characteristics of each of the cards that respondents used regularly, and those ratings were then averaged according to broad topics.
CardRatings commissioned Dynata in November 2025 to survey 2,797 cardholders nationwide. Ratings were given for various characteristics of each of the cards that respondents used regularly, and those ratings were then averaged according to broad topics.
VALUE FOR PRICE
FEATURES SATISFACTION AND ENGAGEMENT
COMPETITIVE EDGE
CUSTOMER SERVICE
Select a card below to see the results for each card.
Survey methodology: Survey methodology: CardRatings commissioned Dynata in November 2025 to survey 2,797 cardholders nationwide. CardRatings' website analytics from Jan. 1, 2025, to Oct. 2, 2025 were used to determine a selection of the most popular cards. Respondents were asked a series of questions about specific characteristics of credit cards they used regularly, as well as for their overall rating of each card. Responses were sorted into categories: "Value for Price," "Features Satisfaction and Engagement," "Competitive Edge," and "Customer Service." Responses within each category were averaged to determine the score for that category. In addition, the overall ratings for each card were averaged. "Cardholder favorite" cards are those that scored in the top 10 overall. Card issuers cannot pay to be included on these lists or influence the order in which cards appear.
Ask CardRatings’ experts
Cash back credit cards can offer bonus rewards on fuel and other purchases, which can work as a spending “discount” when you redeem rewards for statement credits on your account. Just remember that credit cards only help you save money if you pay your balance in full each month and never pay any interest.
Gas credit can offer savings by earning rewards back on every dollar you spend at the pump. Combine a gas credit card with a gas station’s loyalty program which usually offers a discount on every gallon and the savings can really add up.
Get the right gas card for you. One associated with a specific brand will offer the highest reward rate at that company and give special discounts. Some general purpose cards offer an especially high reward rate on gas purchases. Both can be advantageous, so apply for the one that matches your needs and habits.
Gas credit cards can be a good fit for anyone who spends a lot of money on fuel each month, whether that’s due to driving a larger vehicle with poor gas mileage or having a lengthy commute to get to work.
Gas credit cards are a good fit for road warriors, busy families and anyone else who uses a car frequently and is looking to save money on filling up their tank.
Gas cards can be a perfect fit if you spend a lot of time behind the wheel. By earning substantial rewards at the pump, you’ll save money when you redeem the points or use the cash back you earn. They’re not right for everyone, though. If you’re like me, and you drive infrequently or don’t want to always search for a particular station, a general purpose rewards card will likely be the better option.
Frequently asked questions about gas credit cards
What credit score do I need for a gas credit card?
Many credit cards that offer bonus rewards on gas are aimed at people with good credit, which usually means a FICO score of 670 or higher. That said, requirements vary by card issuer and type.
Note that many card issuers offer prequalification tools that let you see whether you might qualify without a hard inquiry. This can help you narrow down your options before applying.
Are gas station branded credit cards worth it?
A branded gas card can make sense if you always fill up at the same brand and want the discount you get at the pump. These cards can also be worth considering if you have limited credit history or prefer an immediate discount instead of statement credit. Just compare the gas savings with what you could earn using a general rewards card.
Can I use a gas rewards credit card at any gas station?
Typically, yes. General purpose rewards cards can be used at any gas station that accepts the card's payment network, and you'll usually earn the gas bonus when the purchase is coded as a gas station.
There are some exceptions. Gas stations at wholesale clubs such as Costco and Sam's Club may not code as regular gas stations, and American Express isn't accepted at every gas station.
Do gas credit card rewards work at Costco or Sam's Club gas stations?
Not always. Many general gas rewards cards don't treat warehouse club gas stations as regular gas stations, so you may only earn the card's base rewards rate.
If you regularly buy gas at a warehouse club, a co-branded card from that specific club may be a better fit. These cards often offer elevated cash back or bonus points on eligible gas purchases made at their pumps.
Do gas credit cards help me build credit?
Yes. Like other credit cards, gas credit cards can help you build credit when you use them responsibly. Paying your bills on time and keeping your credit card balances low can help you build a positive credit history.
Co-branded gas station credit cards may also be an option for people with limited credit history. However, you don't need to carry a balance to build credit. Carrying a balance can lead to interest charges and doesn't help your credit score.
What are fleet gas cards?
Fleet gas cards are designed for businesses that manage company vehicles. They can offer fuel discounts or rebates along with tools for tracking purchases, managing drivers and monitoring vehicle expenses.
They're different from consumer gas rewards cards. If you're looking for rewards on your personal gas spending, you'll want a consumer credit card instead.
Is it a good idea to use one credit card for both gas and groceries?
A card that earns a solid rate on both gas and groceries can let you earn more without having to remember which card to use for each purchase.
Just check whether the card has a spending limit on its bonus rewards. If you spend a lot on groceries and gas and regularly hit that limit, you may earn more by using separate cards that offer higher rewards on each category.
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