Best credit cards of current year

Best gas rewards credit cards of May 2024

Earn 2%, 3% or even 5% back when you fill up or charge your car. The best gas rewards credit cards offer excellent rewards, intro 0% APR periods and more. View More

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 or charging our car 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. View Less

author Brooklyn Lowery
Terms apply; see the online credit card application for full terms and conditions of offers and rewards.

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List of Winners

  • CardName – Best for gas cash back card
  • CardName – Best rewards credit card for gas purchases
  • CardName – Best gas travel rewards card
  • CardName – Best gas rewards with a balance transfer offer
  • CardName – Best gas rewards with an intro 0% APR
  • CardName – Best gas rewards card for low ongoing APR
  • CardName – Best gas rewards card for fair/average credit
  • CardName – Best gas card for bad credit
  • CardName – Best gas rewards card for students
  • CardName – Best gas rewards for businesses

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card_name discontinued_disclaimer 

editor_rating
 
foreign_transaction_fee annual_fees
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.

Read our full CardName review.

Welcome Bonus
$250 statement credit Earn a $250 statement credit after you spend $3,000 within the first six months of opening an account
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

The Bonus: Earn a $250 statement credit after you spend $3,000 in the first six months. 

The Annual Fee: AnnualFees

Foreign Transaction Fee: foreign_fee

The Rewards: If you know you spend plenty at U.S. supermarkets and gas stations to offset an annual fee, this card is likely a better option than its no-annual-fee cousin, CardName. 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 your other purchases.

Credit Needed: CreditScoreNeeded

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% intro APR on purchases and balance transfers for 12 months 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.

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.
Current Scores Past Scores
Overall Score 78.5 78.2
Rewards Program Satisfaction 7.6 7.8
Customer Service 7.7 8.0
Website/App Usability 8.1 7.7
Likelihood of Continuing to Use 8.3 8.2
Recommend to a Friend/Colleague 8.2 7.5

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

card_name discontinued_disclaimer 

editor_rating
 
foreign_transaction_fee annual_fees
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.

Read our full CardName review.

Intro Offer
Additional 1.5% cash back Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

The Annual Fee: AnnualFees

Foreign Transaction Fee: foreign_fee

The Rewards:Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on Chase travel; 3% cash back on drugstore purchases and dining; and unlimited 1.5% cash back on all other purchases.

Credit Needed: CreditScoreNeeded

PROS:

  • This card has a stunningly lucrative rewards program that offers at least 1.5% cash back on every purchase and as much as 6.5% cash back on some of your purchases. Furthermore, you can combine rewards earned with this card with rewards earned through other Chase Travel earning cards, which makes these rewards quite flexible.
  • There is an intro offer that earns an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • New cardholders receive an intro 0% APR for purchases and balance transfers for 15 months (then RegAPR).

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.
  • 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
Overall Score 78.9 85.0
Rewards Program Satisfaction 7.8 8.4
Customer Service 7.7 8.6
Website/App Usability 8.0 8.9
Likelihood of Continuing to Use 8.6 9.0
Recommend to a Friend/Colleague 7.9 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: CardName discontinued. With CardName, 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. CardName 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. (Information related to Chase Freedom FlexSM has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer)

Like the sound of 5% back on your gas purchases? Well, you should also consider adding CardNamediscontinued 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 CardName 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.

card_name discontinued_disclaimer 

editor_rating
 
foreign_transaction_fee annual_fees
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.

Read our full CardName review.

Welcome Bonus
70,000 points Earn 70,000 ThankYou® points – worth up to $700 in gift cards or travel rewards when redeemed through thankyou.com – after you spend $4,000 in the first three months.
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

The Bonus: Earn 70,000 Citi ThankYou® Points – worth up to $700 in gift cards or travel rewards when redeemed through thankyou.com – after you spend $4,000 in the first three months.

Annual Fee: AnnualFees

Rewards Rate: Earn 10 points per $1 spent on hotels, car rentals, and attractions booked through CitiTravel.com; three points per $1 spent on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations; and one point per $1 spent on all other purchases.

Credit Score Needed: CreditScoreNeeded

PROS:

  • 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 boked through CitiTravel.com. 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.
Current Scores Past Scores
Overall Score 78.1 84.5
Rewards Program Satisfaction 7.6 8.3
Customer Service 7.9 8.5
Website/App Usability 7.9 8.5
Likelihood of Continuing to Use 8.2 8.6
Recommend to a Friend/Colleague 8.0 8.5

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

card_name discontinued_disclaimer 

editor_rating
 
foreign_transaction_fee annual_fees
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.

Read our full CardName review.

Intro 0% APR
18 months on balance transfers
APR
RegAPR
Annual Fee
AnnualFees
Credit Needed
CreditScoreNeeded

Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. Additionally, 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, RegAPR.

Annual Fee: AnnualFees

Foreign Transaction Fees: foreign_fee

The Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, and an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

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 RegAPR APR applies.
  • A $0 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).

CONS:

  • 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.
Current Scores Past Scores
Overall Score 77.2 84.7
Rewards Program Satisfaction 7.9 8.5
Customer Service 7.5 8.4
Website/App Usability 6.9 8.3
Likelihood of Continuing to Use 8.2 8.8
Recommend to a Friend/Colleague 7.7 8.4

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

card_name discontinued_disclaimer 

editor_rating
 
foreign_transaction_fee annual_fees
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, RegAPR). What's not to like?

Read our full CardName review.

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
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

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: AnnualFees

Rewards Rate: Earn 4X points on dining, takeout, and restaurant delivery; 2X points on streaming services; 2X at grocery stores and gas stations/EV charging stations (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024); 1X point on all other eligible purchases.

Credit Score Needed:  CreditScoreNeeded

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 RegAPR.
  • 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: BalanceTransferFees.
Current Scores Past Scores
Overall Score 76.7 84.7
Rewards Program Satisfaction 7.5 8.5
Customer Service 7.5 8.9
Website/App Usability 7.9 8.3
Likelihood of Continuing to Use 7.9 8.3
Recommend to a Friend/Colleague 7.8 8.2

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

card_name discontinued_disclaimer 

editor_rating
 
foreign_transaction_fee annual_fees
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.

Read our full CardName review.

Welcome Bonus
15,000 points Earn 15,000 bonus points when you spend $1,500 in eligible purchases within the first 90 days of account opening
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

The Bonus: Earn 15,000 points after you spend $1,500 in the first 90 days of account opening.

The Annual Fee: AnnualFees

Foreign Transaction Fee: foreign_fee

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: CreditScoreNeeded

PROS:

  • When it comes to rewards on gas purchases, very few cards can match this one. 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 RegAPR, 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 90 days of account opening.
  • Access to this card is not easy. You need an excellent credit rating to be approved.
Current Scores Past Scores
Overall Score n/a 75.3
Rewards Program Satisfaction n/a 7.5
Customer Service n/a 7.7
Website/App Usability n/a 7.2
Likelihood of Continuing to Use n/a 7.8
Recommend to a Friend/Colleague n/a 7.5

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

card_name discontinued_disclaimer 

editor_rating
 
foreign_transaction_fee annual_fees
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.

Read our full CardName reivew.

Rewards
1.5% cash back
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

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: AnnualFees

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

Credit Score Needed: CreditScoreNeeded

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.
Current Scores Past Scores
Overall Score 82.9 82.8
Rewards Program Satisfaction 8.2 8.2
Customer Service 8.1 8.5
Website/App Usability 8.5 8.5
Likelihood of Continuing to Use 8.7 8.6
Recommend to a Friend/Colleague 8.4 8.1

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

card_name discontinued_disclaimer 

editor_rating
 
foreign_transaction_fee annual_fees
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.

Read our full CardName review.

Welcome Offerr:
Cashback Match Discover will match all the cash back you earn during your first year as a cardholder
APR
RegAPR
Annual Fee
AnnualFees
Credit Score
CreditScoreNeeded

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.
Current Scores Past Scores
Overall Score 83.7 77.9
Features Satisfaction 8.6 7.7
Customer Service 8.1 8.1
Website/App Usability 8.4 7.8
Likelihood of Continuing to Use 9.1 8.2
Recommend to a Friend/Colleague 7.8 7.6

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

card_name discontinued_disclaimer 

editor_rating
 
foreign_transaction_fee annual_fees
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).

Read our full CardName review.

Welcome Offer
Cashback Match Discover will match all the cash back you earn during your first year as a cardholder
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

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, RegAPR)

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.
Current Scores Past Scores
Overall Score 72.6 80.9
Features Satisfaction 6.4 8.0
Customer Service 7.7 8.3
Website/App Usability 7.8 8.3
Likelihood of Continuing to Use 8.2 8.6
Recommend to a Friend/Colleague 7.8 7.7

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

card_name discontinued_disclaimer 

editor_rating
 
foreign_transaction_fee annual_fees
Why We Like It: Small businesses need simplicity, and CardName offers it. Plus, it comes with a nice intro 0% APR period on purchases for 12 months (then, RegAPR), and it does all that without charging an annual fee.

Read our full CardName review.

Welcome Offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your card in your first three months.
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

Welcome Bonus: Earn a $250 statement credit after you make $3,000 in purchases on your card in your first three months. Plus, you can save on interest with a 0% intro APR on purchases for 12 months; after that your APR will be RegAPR.

The Annual Fee: AnnualFees

Foreign Transaction Fee: foreign_fee

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: CreditScoreNeeded

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 RegAPR. No interest for a year can have a big impact on your business' bottom line.
  • 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.
Current Scores Past Scores
Overall Score 79.1 n/a
Rewards Program Satisfaction 7.6 n/a
Customer Service 8.2 n/a
Website/App Usability 8.4 n/a
Likelihood of Continuing to Use 8.2 n/a
Recommend to a Friend/Colleague 7.8 n/a

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

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FAQ

Generally, fair credit or better is needed in order to get a gas credit 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.

When choosing a gas credit card, determine first what you expect from the card. Do you want a card that you'll only use on gas purchases, or would you like to use it for other purchases as well? If the card will be strictly for gas purchases, choose a card that offers the highest rewards in that category. If you want to use it for other expenses such as dining and groceries, look for an option that rewards those purchases as well.

The annual fee is something important to consider, too. If you expect you'll only use the card ocassionally, you're likely better off with a a card that doesn't charge an annual fee. On the other hand, if you expect to use it all the time, and think you'll easily be able to offset the cost of the card thanks to rewards you'll earn, then consider an annual fee option. These cards usually offer the most perks.

Like with any type of credit card, the best card for you all depends on your spending habits and expectations of the product. See additional tips for how to choose a gas credit card and more.

Yes, when used strategically and responsibly, gas credit card can save money. By using a card that offers cash back or other rewards each time you fill up, you can help offset the total cost of your purchase. As long as you pay your credit card balances in full, and therefore avoid interest charges, gas cards can help you save. There are additional ways gas cards can help you maximize your savings as well.

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 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.

author
Brooklyn Lowery
Editor & Credit Card Expert

A journalist for nearly 20 years, Brooklyn has published work on a broad range of topics including personal finance and business as well as travel and human interest pieces. As a finance expert, she has provided commentary on credit cards, card rewards and personal finance for outlets including Forbes, Fox Business and many others. Her own wanderlust and travel experiences...Read more


Survey Methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 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 (2023); “Past Scores” reflect scores from the 2022 survey.

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: CardName (See Rates and Fees); CardName (See Rates and Fees)

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions 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.