Best gas rewards credit cards of June 2022

Earn 2%, 3% or even 5% back when you fill up. The best gas rewards credit cards offer excellent rewards, intro 0% APR periods and more.
Best credit cards of 2022
author Brooklyn Lowery
Terms apply; see the online credit card application for full terms and conditions of offers and rewards
20+ years
finding the best card for you
1,500+ cards
in our database
5,000+ cardholders
polled about their cards
243 reviews
from our experts
Learn about our methodology  

List of Winners

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.

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Blue Cash Preferred® Card from American Express   Winner

2.7% of each transaction after conversion to US dollars. $95
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.
Welcome Bonus
$350 Earn a $350 statement credit after you spend $3,000 within the first six months of opening an account
Annual Fee
$0
APR
15.49% - 25.49% Variable
Credit Score
Good, Excellent

The Bonus: Earn a $350 statement credit after you spend $3,000 in the first six months. 

The Annual Fee: $95

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

The Rewards: If you know you spend plenty at supermarkets and gas stations to offset an annual fee, this card is likely a better option than its no-annual-fee cousin, Blue Cash Everyday® Card from American Express. You earn 6% cash back on the first $6,000 spent at U.S. supermarkets each year (then, 1%) and on select U.S. streaming subscriptions; 3% back at U.S. gas stations and on transit like taxis, bus fares, tolls, parking and more; and 1% back on all your other purchases.

Credit Needed: Good, Excellent

PROS:

  • This card offers a whopping 6% cash back on 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 unlimited 3% cash back on transit and gas purchases at U.S. gas stations, among other rewards.
  • 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 15.49% - 25.49% 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..

Current Scores Past Scores
Overall Score 77.9 86.5
Rewards Program Satisfaction 7.8 8.4
Customer Service 7.8 8.8
Website/App Usability 7.7 8.8
Likelihood of Continuing to Use 7.9 9.0
Recommend to a Friend/Colleague 7.8 8.7

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

Chase Freedom Unlimited®   Winner

5
 
3% of each transaction in U.S. dollars $0
Why We Like It: Sure, this is a "best gas rewards credit card" 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. Plus, this one has incredibly flexible rewards.
Welcome Bonus
Up to $300 Earn an extra 1.5% cash back on your purchases (up to $20,000 spent in the first year) – that's worth up to $300 cash back
Annual Fee
$0
APR
15.74% - 24.49% Variable
Credit Score
Excellent, Good

The Bonus: New cardholders can earn an additional 1.5% cash back on everything you buy (up to $20,000 spent in the first year) – a bonus worth as much as $300 cash back.

The Annual Fee: $0

Foreign Transaction Fee: 3% of each transaction in U.S. dollars

The Rewards: Earn 5% back on travel purchased through the Chase Ultimate Rewards portal, 3% back on dining and drugstore purchases and 1.5% back on all other purchases.

Credit Needed: Excellent, Good

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. Furthermore, you can combine rewards earned with this card with rewards earned through other Ultimate Rewards earning cards, which makes these rewards quite flexible.
  • There is a welcome bonus worth up to $300 cash back – each purchase made during your first year (up to $20,000 spent) earns an extra 1.5% cash back.
  • New cardholders receive an intro 0% APR for purchases and balance transfers for 15 months (then 15.74% - 24.49% 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.
  • To max out the welcome bonus opportunity, you need to spend $20,000 in the first year, which isn't possible for a lot of people.
  • 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.
Current Scores Past Scores (avg.)
Overall Score 83.4 84.5
Rewards Program Satisfaction 8.3 8.4
Customer Service 8.4 8.6
Website/App Usability 8.3 8.4
Likelihood of Continuing to Use 8.3 9.0
Recommend to a Friend/Colleague 8.0 8.1

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

NOTE FROM THE EDITOR

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.

Citi Premier® Card   Winner

5
 
0% $95
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.
Limited Time Bonus
80,000 points Earn 80,000 ThankYou points – worth up to $800 in gift cards – after you spend $4,000 in the first three months
Annual Fee
$95
APR
17.49% - 25.49% Variable
Credit Score
Excellent, Good

The Bonus: For a limited time, earn 80,000 Citi ThankYou Points – worth up to $800 in gift cards – after you spend $4,000 in the first three months.

Annual Fee: $95

Rewards Rate: Earn three points per $1 at gas stations, restaurants, supermarkets, on air travel and hotels. Earn one point per $1 on other purchases.

Credit Score Needed: Excellent, Good

PROS:

  • You can receive a $100 statement credit in hotel savings every year on a single stay of more than $500. That more than offsets your annual fee.
  • 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 review of the Citi Premier® Card card.

Current Scores Past Scores (avg.)
Overall Score 76.7 Did not survey
Rewards Program Satisfaction 7.6 n/a
Customer Service 7.7 n/a
Website/App Usability 7.8 n/a
Likelihood of Continuing to Use 7.8 n/a
Recommend to a Friend/Colleague 7.8 n/a

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

Citi® Double Cash Card - 18 month BT offer   Winner

5
 
3% $0
Why We Like It: This is another option that earns rewards on all purchases; however, this card encourages responsible use with its rewards system, which we appreciate.
Intro 0% APR
18 months on balance transfers
APR
15.49% - 25.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

Bonus: There isn't an early spending bonus on this card, but if you need a few extra months to pay off an existing balance from another card, take advantage of an introductory 18 months of no interest on balance transfers (then, 15.49% - 25.49% (Variable)).

Annual Fee: $0

Foreign Transaction Fees: 3%

The Rewards: Earn 1% cash back when you make your purchases and another 1% cash back when you pay for your purchases by paying your credit card bill. That effectively means you can earn a 2% cash back on all your purchases. Not too shabby for a no-annual-fee credit card.

PROS:

  • At 18 months the intro 0% APR period for balance transfers is one of the better offers on the market. After the intro a 15.49% - 25.49% (Variable) APR applies.
  • 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.

Current Scores Past Scores (avg.)
Rewards Program Satisfaction 8.2 8.8
Customer Service 8.0 8.8
Website/App Usability 8.2 8.6
Likelihood of Continuing to Use 8.5 9.2
Recommend to a Friend/Colleague 8.3 8.8

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

U.S. Bank Altitude® Go Visa Signature® Card   Winner

N/A $0
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, 16.49% - 25.49% Variable). What's not to like?
Welcome Bonus
20,000 points Earn 20,000 bonus points after you spend $1,000 on purchases within 90 days of account opening
Annual Fee
$0
APR
16.49% - 25.49% Variable
Credit Score
Excellent Credit

The Bonus: Earn 20,000 bonus points after spending $1,000 on eligible purchases within your first 90 days as a cardholder.

The Annual Fee: $0

Rewards Rate: Earn 4x points on dining (including takeout and delivery); 2x points on streaming services as well as at gas stations and EV charging stations, grocery stores and grocery deliver, and one point per $1 spent on your other eligible purchases.

Credit Score Needed:  Excellent Credit

PROS:

  • Take advantage of an intro 0% APR for 12 billing cycles balance transfers made in the first 60 days as well as on purchases. After the intro period, the APR becomes 16.49% - 25.49% 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.
  • Enjoy an annual $15 statement credit for select streaming services such as Netflix, Disney+, Apply Music, Spotify and more.

CONS:

  • 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.
  • 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.

Current Scores Past Scores (avg.)
Overall Score 71.7 84.7
Rewards Program Satisfaction 7.1 8.4
Customer Service 7.5 8.6
Website/App Usability 7.4 8.5
Likelihood of Continuing to Use 7.2 8.9
Recommend to a Friend/Colleague 6.8 8.3

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

PenFed Platinum Rewards Visa Signature® Card   Winner

5
 
None $0
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.
Welcome Bonus
15,000 points Earn 15,000 bonus points when you spend $1,500 in eligible purchases within the first three months of account opening
Annual Fee
$0
APR
14.49% to 17.99% Variable APR on purchases; 17.99% Fixed APR on balance transfers
Credit Score
Excellent

The Bonus: Earn 15,000 points after you spend $1,500 in the first three months of account opening.

The Annual Fee: $0

Foreign Transaction Fee: None

The Rewards: Rake in five points per $1 spent (the equivalent of 5% back) on gas purchases paid at the pump at electric vehicle charging stations as well as three points per $1 on supermarket; restaurant/dining; and cable, satellite, and other tv/radio/streaming services. Earn one point per $1 on your other purchases.

Credit Needed: Excellent

PROS:

  • When it comes to rewards on gas purchases, very few cards can match the PenFed Platinum Rewards Visa Signature® Card. You earn five points (5%) on every $1 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 14.49% to 17.99% Variable APR on purchases; 17.99% Fixed APR on balance transfers, 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.

Current Scores Past Scores
Overall Score 71.5 82.7
Rewards Program Satisfaction 7.0 8.2
Customer Service 7.2 8.3
Website/App Usability 7.3 8.5
Likelihood of Continuing to Use 7.4 8.6
Recommend to a Friend/Colleague 7.2 8.0

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

Capital One QuicksilverOne Cash Rewards Credit Card   Winner

5
 
None $39
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.
Rewards
1.5% cash back
Annual Fee
$39
APR
26.99% (Variable)
Credit Score
Average, Fair, Limited

The Bonus: There isn't a traditional bonus with this card, but that isn't unusual in for cards available to those with Fair/Average credit.

Annual Fee: $39

Rewards Rate: Earn 1.5% cash back on all your purchases, including those at gas stations.

Credit Score Needed: Average, Fair, Limited

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 Capital One QuicksilverOne Cash Rewards Credit Card review.

Current Scores Past Scores (avg.)
Overall Score 84.0 86.6
Rewards Program Satisfaction 8.4 8.3
Customer Service 8.4 8.7
Website/App Usability 8.4 8.9
Likelihood of Continuing to Use 8.4 9.3
Recommend to a Friend/Colleague 8.4 8.9

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

Discover it® Secured Credit Card   Winner

None $0
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.
Welcome Offerr:
Cashback Match Discover will match all the cash back you earn during your first year as a cardholder
APR
23.74% Variable APR
Annual Fee
$0
Credit Score
New, Rebuilding

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 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.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "Apply Now" to see terms and conditions.
See More

PROS:

  • 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.

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 Discover it® Secured Credit Card review.

Current Scores Past Scores (avg.)
Overall Score 81.6 82.8
Features Satisfaction 7.9 8.2
Customer Service 8.2 8.3
Website/App Usability 8.3 8.3
Likelihood of Continuing to Use 8.8 8.7
Recommend to a Friend/Colleague 8.3 8.2

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

Discover it® Student chrome   Winner

None $0
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).
Welcome Offer
Cashback Match Discover will match all the cash back you earn during your first year as a cardholder
Annual Fee
$0
APR
13.74% - 22.74% Variable APR
Credit Score
Fair, New to Credit
  • No credit score required to apply.
  • 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.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74% applies.
  • Click "Apply Now" to see terms and conditions.
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.
  • Another unusual student card feature: an intro 0% APR on purchases for six months (then, 13.74% - 22.74% 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 the Discover it® Student chrome.

Current Scores Past Scores (avg.)
Overall Score 80.8 83.7
Features Satisfaction 7.9 8.4
Customer Service 8.0 8.3
Website/App Usability 8.0 8.4
Likelihood of Continuing to Use 8.5 8.7
Recommend to a Friend/Colleague 8.3 8.2

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

American Express Blue Business Cash™ Card   Winner

2.7% of each transaction after conversion to US dollars. No annual fee
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, 14.74% - 22.74% Variable), and it does all that without charging an annual fee.
Welcome Offer
$250 New cardholders can earn a $250 statement credit after spending $3,000 within the first three months of card membership
Annual Fee
No annual fee
APR
14.74% - 22.74% Variable
Credit Score
Good, Excellent

The Bonus: Earn a $250 statement credit when you spend $3,000 on purchases in the first 3 months. You can also save on interest with 0% intro APR on purchases for 12 months; after that your APR will be 14.74% - 22.74% Variable.

The Annual Fee: No annual fee

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

The Rewards: Cash back rewards are offered at a flat 2% cash back on eligible purchases up to $50,000 spent in a calendar year, then 1%. Your cash-back earned is automatically credited to your statement.

Credit Needed: Good, Excellent

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 14.74% - 22.74% 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.
  • 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 review of the American Express Blue Business Cash™ Card.

    Current Scores Past Scores (avg.)
    Overall Score 73.9 83.6
    Rewards Program Satisfaction 7.3 8.2
    Customer Service 7.6 8.3
    Website/App Usability 7.4 8.3
    Likelihood of Continuing to Use 7.7 8.2
    Recommend to a Friend/Colleague 7.2 8.4

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

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    FAQ

    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 – especially on a whim while pumping your gas and feeling the pain at the pump. That's akin to applying for a store card just to save 20% off your purchase that same day and it's almost always a terrible idea. Instead, take the time to ensure you are selecting a rewards credit card that will provide great rewards at the pump AND on other purchases that fit into your regular budget and lifestyle.

    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. Know where you stand before applying.
    • Where can I earn rewards? You will need to fill up at specific gas stations to get rewards from a co-branded credit card (and those are the cards, frankly, that are likely to be offered on the tiny billboards on the gas pump). However, general purpose cash-back or travel rewards cards provide rewards regardless of where you buy fuel and will even reward you for purchase outside of those at the gas station. Plus, the rewards earned with a general purpose card are likely more flexible when it comes to redeeming them.
    • Notice the introductory offers. Many of the best credit cards allow you to earn a statement credit or chunk of rewards after spending a certain amount of money or even offer an intro 0% APR period on purchases or balance transfers. 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 and perks you will use from 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.

    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 fair or even poor credit can still qualify for solid credit 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, don't make it on our "Best gas rewards credit card" list simply because they are limiting.

    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 that are eligible for rewards. For instance, make sure purchases at stations attached to 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.

    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 rewards credit cards are definitely worth applying for.

    Importantly, keep in mind that the cards we recommend aren't exclusively "gas rewards" cards; in fact, they are just solid rewards cards that also happen to reward you when you use them for gas. Additionally, a great rewards credit card is just the first step in a solid strategy to save at the pump. Find out more about how to "Save on gas with this two-step trick."

    As with applying for any credit card, pay attention to the card's full list of features, rewards and fees. Annual fees aren't always a bad thing if you know you'll more than offset it with the rewards you earn. The bottom line when selecting a gas rewards card is to do your homework and find the one that fits into your lifestyle and budget overall, not just at the pump.

    Survey Methodology: CardRatings commissioned Op4G in September and October 2021 to conduct surveys among 1,524 cardholders nationwide. CardRatings website analytics from Jan. 1, 2021-Aug. 31, 2021 were used to determine a selection of the most popular cards and additional cards were included 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. "Current Scores" reflect scores from the most recent survey; "Past Scores (avg.)" are the scores averaged over each prior year the card has been surveyed. "Past Scores" indicates a card has only been surveyed in one prior year.

    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; terms apply); American Express Blue Business Cash™ Card (See Rates and Fees; terms apply)

    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.

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