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Best gas credit cards rewards of July 2021

CardRatings editors reveal the best credit cards for gas rewards, including those that offer as much as 5% cash back when you fill up, don't charge annual fees and even a few with intro 0% APR periods. 
Brooklyn Lowery, CardRatings Senior Manager Last Updated, July 22, 2021

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. How we make money.

best gas rewards cards of 2021 If you're like most people in the United States, hopping in your car to head to work, run errands or do your duty in the carpool lane is part of everyday life. That means filling your tank up with gas probably is too. The best gas rewards credit cards out there can save you as much as 5% at the pump, many come with no annual fee and a number of them even offer introductory 0% APR periods. If you drive and don't have a credit card that maximizes your rewards on those gas purchases, you could be missing out on a lucrative opportunity to rack up cash back or excellent travel rewards.

And, by the way, if your side hustle happens to be driving for Uber, Lyft or any number of delivery services, you really can't afford to not have one of these cards in your wallet.

TOP GAS REBATE CREDIT CARD OFFERS

BEST REWARDS CREDIT CARD FOR GAS PURCHASES

5
About Our Ratings

Why We Like It: Sure, this is a "best credit cards for gas rewards" article, but gas isn't the ONLY thing you buy. That's why a well-rounded rewards card – especially one that offers at least 1.5% back on ALL your purchases is worth a good look.

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
See More

PROS:

  • This card has a stunningly lucrative rewards program that offers at least 1.5% cash back on every purchase and as much as 5% cash back on some of your purchases. That's tough to beat.
  • There is an easily attainable $200 welcome bonus. Just spend $500 in qualified purchases within the first three months of opening an account.
  • New cardholders receive an intro 0% APR for purchases for 15 months (then 14.99% - 23.74% Variable).

CONS:

  • There are a bunch of categories to keep up with if you want to maximize your rewards earning. Great for top rewards, not so great if you're just looking for something simple. That said, earning at least 1.5% cash back on every purchase certainly isn't bad.
  • The $200 welcome bonus is relatively easy to earn, but it's not as lucrative as offers from other cards.
  • There is a foreign transaction fee on this card, which is a drawback for anyone who travels internationally or makes purchases in a foreign currency regularly.

Read our full Chase Freedom Unlimited® review.

2020 Scores 2019 Scores
Overall Score 82.8 86.2
Rewards Program Satisfaction 8.2 8.6
Customer Service 8.5 8.7
Website/App Usability 8.2 8.6
Likelihood of Continuing to Use 9.0 9.0
Recommend to a Friend/Colleague 7.9 8.4

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

 

EDITOR'S NOTE

There's another no-annual-fee card in the Chase family that offers you up to 5% back on your gas purchases: Chase Freedom Flex℠ . With Chase Freedom Flex℠, you earn 5% cash back on up to $1,500 spent when you activate in categories that rotate each quarter and, traditionally, gas purchases have been among the 5% bonus categories at least once each year. Chase Freedom Flex℠ doesn't charge an annual fee, but it does accumulate rewards as Chase Ultimate Rewards® points, which means you can pool your points from this card and its flat-rate cousin above.

Like the sound of 5% back on your gas purchases? Well, you should also consider adding Discover it® Cash Back to your wallet. This is another rotating categories card with which you earn 5% cash back on up to $1,500 spent when you activate in categories that rotate each quarter. And, once again, gas has traditionally been a bonus category at least once a year. Carry this card as well as Chase Freedom Flex℠ and, assuming both feature gas as a bonus category in a given year, you could effectively earn 5% cash back on $3,000 in gas purchases annually. That adds up to a LOT of extra gas money. Take a look at the bonus categories for both cards.


BEST GAS CASH BACK CARD

5
About Our Ratings

Why We Like It: This card is a favorite for families thanks to its reward categories. In this case, you do have an annual fee after the first year to consider, BUT you can also earn an unlimited 3% back on your U.S. gas station purchases. That's in addition to 6% cash back on the first $6,000 spent annually at U.S. supermarkets and the rewards don't stop there. Keep reading! American Express is a CardRatings advertiser.

  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
See More

PROS:

  • This card offers a whopping 6% cash back on grocery purchases at U.S. supermarkets up to $6,000 per year. That works out to a maximum of $360 in cash back on groceries alone. You can also earn unlimited 3% cash back on transit and gas purchases at U.S. gas stations.
  • There is a nice introductory offer of 0% APR on all purchases for the first 12 months after card activation. After that, the rate is 13.99% - 23.99% Variable, based on your creditworthiness.
  • The welcome bonus is attractive and can be earned with even moderate spending.

CONS:

  • 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.

Read our full Blue Cash Preferred® Card from American Express review.

2020 Scores 2019 Scores
Overall Score 87.0 86.0
Rewards Program Satisfaction 8.6 8.3
Customer Service 8.7 8.9
Website/App Usability 8.8 8.7
Likelihood of Continuing to Use 8.9 9.0
Recommend to a Friend/Colleague 8.8 8.6

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST GAS TRAVEL REWARDS CARD

5
About Our Ratings

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.

  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
See More

PROS:

  • You can receive a $100 in hotel savings every year on a single stay of more than $500. That more than offsets your annual fee and
  • Many everyday-type purchases earn three points per $1 spent, making this card an excellent choice for regular use.
  • You'll save money when using this card while abroad as it doesn't charge foreign transaction fees.

CONS:

  • 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 are 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, discussed in the above Pros, would more than do it if you can take advantage of that.

Read our full Citi Premier® Card review.

We have not polled this card yet, but would love to hear your thoughts on it if you are a cardholder. Comment below or email us at editor@cardratings.com to share more about your experience.

BEST BALANCE TRANSFER OFFER FOR GAS REWARDS

5
About Our Ratings

Why We Like It: This is another option that earns rewards on all purchases; however, this card encourages responsible with its rewards system, which we appreciate. Citi is a CardRatings advertiser.

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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PROS:

  • At 18 months the intro 0% APR period for balance transfers is one of the better offers on the market.
  • A $0 annual fee is always a good place to start a relationship with any card.
  • Citi® Double Cash 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.

CONS:

  • This card offers neither a signup bonus nor 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.

Read our full Citi® Double Cash Card - 18 month BT offer review.

2020 Scores 2019 Scores
Overall Score 88.2 88.3
Rewards Program Satisfaction 8.7 8.9
Customer Service 8.9 8.6
Website/App Usability 8.7 8.5
Likelihood of Continuing to Use 9.4 9.2
Recommend to a Friend/Colleague 8.7 8.9

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST GAS REWARDS CARD WITH AN INTRO 0% APR

5
About Our Ratings

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 0% APR on purchases and balance transfers for 12 billing cycles (then, 14.99% - 23.99%* Variable). What's not to like?

  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
See More

PROS:

  • Take advantage of an intro 0% APR for 12 billing cycles on purchases and balance transfers made in the first 60 days. After the intro period, the APR becomes 14.99% - 23.99%* Variable.
  • 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.
  • Feel free to take this card on your next trip abroad – there are no foreign transaction fees to worry about.
  • There's no annual fee to consider, plus the annual $15 statement credit for select streaming services means this card kind of pays you to carry it.

CONS:

  • The rewards for your gas station purchases are solid, but it's about the only "travel" type category 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.
  • There is a nice 0% intro APR on balance transfers for the first 12 billing cycles on transfers made in the first 60 days, but there's also a balance transfer fee to consider: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Read our full U.S. Bank Altitude® Go Visa Signature® Card review.

2020 Scores 2019 Scores
Overall Score 84.7 n/a
Rewards Program Satisfaction 8.4 n/a
Customer Service 8.6 n/a
Website/App Usability 8.5 n/a
Likelihood of Continuing to Use 8.9 n/a
Recommend to a Friend/Colleague 8.3 n/a

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST GAS CREDIT CARD FOR LOW ONGOING APR

5
About Our Ratings

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.

  • New Acquisition Bonus: 15,000 points after $1,500 spend during first 3 months of card open date
  • Earn 5x points for gas and electric vehicle charging stations
  • Earn 3x points for grocery, restaurants/dining, and cable, satellite and other pay television/radio/streaming services
  • Earn 1x point on everything else
  • No annual fee
  • No foreign transaction fees
  • No cash advance fee
  • Chip and Contactless 'Tap to Pay' enabled for added security, ease and convenience at the point of sale
  • Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
  • Digital wallet capable
  • Purchase variable rate as low as 13.49% APR
  • 0% promotional rate for 12 months on balance transfers made between now and September 30, 2021. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Rate and offers current as of July 1, 2021 and subject to change
  • Cash Advance APR 17.99%
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PROS:

  • When it comes to cash back rewards on gas purchases, very few cards can match the PenFed Platinum Rewards Visa Signature® Card. 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 13.49% to 17.99% Variable APR, depending on credit worthiness.
  • On top of everything else, PenFed Platinum Rewards Visa Signature® has no annual fee

CONS:

  • The welcome bonus is not something that will generate much excitement. You can earn a modest 15,000 points after you spend $1,500 in the first three months of account opening.
  • Access to this card is not easy. You need an excellent credit rating to be approved.

Read our full PenFed Platinum Rewards Visa Signature® Card review.

We have not polled this card yet, but would love to hear your thoughts on it if you are a cardholder. Comment below or email us at editor@cardratings.com to share more about your experience.

BEST GAS CREDIT CARD FOR FAIR/AVERAGE CREDIT

5
About Our Ratings

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 all with no annual fee. Plus, it's nice to know you have an option if you're in the fair/average credit range.

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
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PROS:

  • 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 foreign currency from the comfort of your own home.
  • Using the card responsibly could qualify you for a higher credit limit in as little as six months; plus, responsible use will help improve your credit score so you can work toward achieving a number in the good/excellent range.

CONS:

  • 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.

Read our full review of the Capital One QuicksilverOne Cash Rewards Credit Card.

2020 Scores 2019 Scores
Overall Score 86.6 Did not survey
Rewards Program Satisfaction 8.4 n/a
Customer Service 8.8 n/a
Website/App Usability 8.9 n/a
Likelihood of Continuing to Use 9.3 n/a
Recommend to a Friend/Colleague 8.9 n/a

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST GAS CREDIT CARD FOR BAD CREDIT

5
About Our Ratings

Why We Like It: Rewards cards for people with bad or no 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.

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can't do that.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
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PROS:

  • When it comes to rewards, cards available to those with bad or no 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 a new cardholder earns during their first year as a cardholder.
  • With responsible use, this card can help you build or rebuild your credit score.

CONS:

  • 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.

Read our full review of Discover it® Secured Credit Card.

2020 Scores 2019 Scores
Overall Score 83.3 82.3
Features Satisfaction 8.3 8.2
Customer Service 8.4 8.2
Website/App Usability 8.5 8.1
Likelihood of Continuing to Use 8.7 8.6
Recommend to a Friend/Colleague 8.2 8.3

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST GAS CREDIT CARD FOR COSTCO MEMBERS

5
About Our Ratings

Why We Like It: The opportunity to earn high rewards on your gas purchases plus earning rewards for other common everyday purchases make this card in a winner in our book. Plus, who doesn't like the idea of earning 4% back on your gas purchases (up to $7,000 spent annually) AND earning 2% cash back on your year's supply of ketchup?

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.
See More

PROS:

  • No annual fee with your paid Costco membership and no foreign transaction fees.
  • You earn a robust 4% cash back on all gas purchases up to $7,000 in a calendar year.
  • You also earn 3% cash back on restaurant and travel related purchases and 2% on purchases at Costco and Costco.com.

CONS:

  • While it's easy to accumulate cash back, it's only redeemed once a year and is done automatically, giving the cardholder very little control.
  • Costco membership is required. While the card has no annual fee, you must pay for a Costco membership to apply.

Read our full Costco Anywhere Visa® Card by Citi review.

2020 Scores 2019 Scores
Overall Score 85.7 85.3
Rewards Program Satisfaction 8.6 8.5
Customer Service 8.4 8.7
Website/App Usability 8.3 8.3
Likelihood of Continuing to Use 9.2 9.0
Recommend to a Friend/Colleague 8.6 8.6

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST GAS CREDIT CARD FOR STUDENTS

5
About Our Ratings

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).

  • INTRO OFFER: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they're approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
See More

PROS:

  • Student cards aren't necessarily known for great welcome bonus opportunities, but this one has it. 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.
  • Get rewarded for keeping your grades up with a $20 statement credit each school year your GPA is 3.0 or higher (for up to five years).
  • Another unusual student card feature: an intro 0% APR on purchases for six months (then, 12.99% - 21.99% Variable APR)

CONS:

  • 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.

Read our full review of Discover it® Student chrome.

2020 Scores 2019 Scores
Overall Score 86.3 81.1
Rewards Program Satisfaction 8.7 8.2
Customer Service 8.6 8.0
Website/App Usability 8.5 8.3
Likelihood of Continuing to Use 8.8 8.6
Recommend to a Friend/Colleague 8.6 7.8

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST GAS CREDIT CARD FOR BUSINESSES

5
About Our Ratings

Why We Like It: Small businesses need simplicity, and the American Express Blue Business Cash™ Card offers it. Plus, it comes with a nice intro 0% APR period on purchases for 12 months (then, 13.24% - 19.24% Variable), and it does all that without charging an annual fee.

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
See More

PROS:

  • This card offers a beautifully simple cash-back rewards program. You earn 2% cash back on your first $50,000 in eligible spending each year, then 1% on everything after that.
  • A very nice intro 0% APR on purchases for 12 months, then 13.24% - 19.24% Variable. No interest for a year can have a big impact on your business' bottom line.
  • Enjoy free car rental loss and damage insurance. If you and your employees rent cars frequently for business, you know how valuable this perk is.
  • It should also be noted that this card offers "expanded buying power." This gives you the ability to spend beyond your credit limit. This is not an unlimited feature but if you have a major expense or an unforeseen emergency expense comes up, this could come in very handy.

CONS:

  • Getting approved for this card is not a slam dunk. You need good to excellent credit for approval.
  • The is a fee on all foreign transactions or transactions in foreign currency. It's less than some cards but can still take a bite out your bottom line if you do a lot of traveling overseas for business.

Read our full American Express Blue Business Cash™ Card review.

2020 Scores 2019 Scores
Overall Score 80.5 86.6
Rewards Program Satisfaction 7.9 8.6
Customer Service 8.0 8.7
Website/App Usability 8.2 8.5
Likelihood of Continuing to Use 8.6 9.0
Recommend to a Friend/Colleague 8.2 8.7

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

HOW TO COMPARE AND CHOOSE BETWEEN TWO GAS REWARDS CREDIT CARDS

It's easy to find gas credit cards. You probably see ads or applications at the pump every time you fill up. But don't apply for just any card. Be sure you are selecting one that will provide great rewards without high fees or restrictions.

When it comes to comparing the best credit cards for gas, ask yourself these questions and consider the following issues:

  • What are the credit score requirements? Some cards are open to most applicants while others are limited to only those with very good or excellent credit.
  • Where can I earn rewards? You may need to fill up at specific gas stations to get rewards from a co-branded credit card. However, general purpose cash-back cards typically provide rewards regardless of where you buy fuel.
  • Introductory offers. Some cards may allow you to earn a statement credit after spending a certain amount of money, or a percentage off on every purchase. These offers may help to offset any fees that are charged, so they need to be taken into consideration, though even a fantastic welcome offer should not be the sole factor in determining whether you apply for a given card.
  • Are there restrictions on rewards? Scan the fine print to look for limitations. In particular, check whether rewards are capped and note if all purchases at a station, not just fuel, will earn rewards.
  • Interest rates. You have a better chance of getting a good interest rate if you have a higher credit score. Ideally, you are paying off your balance in full each billing cycle, though, in which case the interest rate won't affect you.
  • Annual fees. Some cards don't charge an annual fee, while others may charge $100 per year or more. As a result, it's important to make sure that any annual fee you pay is worth the rewards you will earn from using the card. In the case of the cards named among our "best gas rewards credit cards," you earn rewards on more than just your gas purchases, so it may be easier than you think to offset an annual fee.
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WHAT CREDIT SCORE IS NEEDED FOR A GAS CARD?

Generally, fair credit or better is needed in order to get a gas card. While there are several credit score scales out there, FICO considers a score of at least 580 to fall in the "fair" range. When you have a better credit score, you have the opportunity to get a gas card that comes with better interest rates, more perks and, often, better rewards. However, people who have bad credit can still get some gas cards, but it's important to keep in mind that these cards will have higher interest rates and fewer rewards. For example, some gas station specific cards may have lower credit score requirements, but the rewards are not as flexible and the cards can only be used at those specific gas stations. Gas station specific cards, in fact, are unlikely to make it on to our "Best gas rewards cards" list simply because they are limiting.

ARE GAS CREDIT CARDS WORTH IT?

As with any product, it depends. If you don't have a car and always ride the bus, then, no, it's probably not worth it to apply for a gas card. If you drive a lot, however - maybe you have a daily commute, or you have kids and feel like a part-time chauffeur - then, yes, gas credit cards are definitely worth applying for. With a gas credit card you're going to save money on gas. And if you wind up using your gas card on already discounted fuel that you get from, say, the supermarket you frequent, you can make out even better.

That said, pay attention to whether the card has an annual fee. If it does, it still may be worth it, but you'll want to crunch some numbers and get a sense of how much you're going to save every year in gas. If you estimate that you drive enough that you'll save $50 a year for a gas credit card, but the credit card has an annual fee of $95, then clearly this isn't a great deal. On the other hand, if you believe you'll save around $300 a year at the pump, suddenly the $95 fee doesn't look so bad.

Also, you'll want to take a look at the other rewards, if any, you get for using the gas credit card. If you get cash back or points for other purchases, like grocery shopping or purchases on Amazon, you probably have found a winner.

HOW TO MAKE THE MOST OF YOUR GAS CREDIT CARD

Once you have your gas credit card, it's time to maximize your rewards.

Start by signing up for your local gas stations' loyalty rewards programs. These include but are not limited to Fuel Rewards from Shell, Speedy Rewards from Speedway and Driver Rewards from BP. The details for every program vary, but they generally allow you to earn points or fuel discounts on top of what is offered by your gas credit card.

Then, make sure you are filling up at gas stations which are eligible for rewards. For instance, make sure purchases at stations attached as retailers such as Walmart and Costco will qualify as fuel, not grocery, purchases on your card.

Finally, if in-station purchases qualify for rewards, consider buying gift cards or other items there to make the most of your gas credit card.

Survey Methodology: CardRatings commissioned Op4G in September and October 2020 to conduct surveys among 1,746 cardholders nationwide. CardRatings website analytics from Jan. 1, 2020-Aug. 31, 2020 were used to determine a selection of the most popular cards and additional cards were added to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted.

Ranking Methodology: CardRatings experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.


To see the rates and fees for the cards featured in this post, please visit the following links: Blue Cash Preferred® Card from American Express (See Rates and Fees); American Express Blue Business Cash™ Card (See Rates and Fees)

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

Comments
4 Comments

  1. Mike
    February 28, 2018 - 2:56 am
    You missed the Fort Knox Federal Credit Union Visa Platinum card!!!! 5% rebate every month on all of your gas purchases. Any gas station. We love ours. Mike

    http://www.fortknoxfcu.org/visa.html
      Reply »  
    1. Brooklyn Lowery
      February 28, 2018 - 9:54 pm
      This does look like a solid gas rewards credit card. Thanks for bringing it to our attention! Glad you found a card that works well for you and your lifestyle.
        Reply »  
      1. Matt
        June 08, 2018 - 1:33 pm
        Explain how Fort Knox does NOT look like a SOLID --GAS-- reward card?
          Reply »  
        1. Brooklyn Lowery
          June 08, 2018 - 3:34 pm
          Thanks for your comment. It does look like a solid gas rewards card, as we mentioned when another commenter pointed it out earlier this year. Often credit union credit cards offer excellent specific rewards to a specific group of clients. In the case of the Fort Knox card, qualifying is a bit limited by geography, employment and military affiliation so we haven't included it in our overall list. That said, it's fantastic that you've found a card that works well for you and it's 5% rebate on gas purchases is worth taking a second look at if you otherwise qualify for membership.
            Reply »  
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