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The best gas credit cards aren’t necessarily co-branded with specific gas stations or fuel brands. Instead, these cards are issued by major institutions like Chase, Citi, and American Express, and they offer rewards for each dollar you spend — and not just on gas station purchases.
If you are eager to earn rewards with a gas card, it’s important to compare your options. To help you out, we’ve compiled a list of the best credit cards with gas rewards below.
Our top picks for the best gas credit cards
Earn 3% cash back on up to $6,000/year spent at U.S. supermarkets (then 1%), 3% cash back on up to $6,000/year at U.S. gas stations (then 1%), 3% cash back on up to $6,000/year on online retail purchases (then 1%), and 1% cash back on all other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
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For a no-annual-fee option, the reward rate on this card is pretty solid, but for heavy spenders, other cards may offer more value.
Earn 6% cash back on up to $6,000 spent at U.S. supermarkets each year (then 1% back), 6% cash back on select U.S. streaming services, 3% cash back at U.S. gas stations and on transit, and 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
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Although this card has an annual fee, most families will be able to easily get enough value out of the everyday categories to make it worth it.
Earn 5% cash back in select business categories (on up to $25,000 per account anniversary year) and earn 2% cash back at gas stations and restaurants (on up to $25,000 per account anniversary year). Earn 1% cash back on all other purchases.
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 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 travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% cash back on all other purchases.
Earn 7X Hilton Honors Points on eligible Hilton purchases, 5X points on eligible U.S. restaurant, U.S. supermarket, and U.S. gas station purchases, and 3X on all other eligible purchases.
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If you’re opposed to paying an annual fee for a hotel card, this one offers decent rewards for no yearly charge. It’s pretty lackluster on other benefits, though.
Earn 1% back on all purchases and 3% back on gas, groceries, and bill payments.
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Gas rewards credit cards work like other credit cards but they let you earn cash back or points on your gas purchases. Some give you a discount at the pump (these are typically branded with the specific station) while others give you points or cash-back rewards on your total purchase.
Some rewards cards have gas station purchases as a category to earn cash back or points on, but they also tend to earn rewards in other categories like groceries or dining. Most of the cards on this list fall into this category.
Co-branded gas cards, or gas loyalty cards, are affiliated with specific gas brands, and they may offer per-gallon discounts on gas as well as in-store perks. Note that these cards are typically store-branded, so you can’t use them for regular spending and bills.
Let’s consider the Blue Cash Everyday card, which offers 3% back on up to $6,000 spent at gas stations each year (then 1%).
As you compare gas cards, you’ll want to look at all the factors that matter the most to you. The following tips can help you pick the best credit card for your needs:
The best credit cards for gas typically require good, very good, or excellent credit to qualify. If you have bad credit, you should strive to improve your score before you apply.
Consider gas cards that offer generous gas rewards as well as bonus points in other categories you spend a lot in.
Also look for credit cards that reward you with a sign-up bonus within the first few months. However, you should also make sure you can meet the minimum spending requirement to qualify.
Find out if you can redeem your rewards for a statement credit only, or if you can redeem for other options like gift cards, travel, merchandise, and more.
If your card offers an intro APR, make sure you are happy with the regular APR as well. After all, balances you carry after the promotional period will be charged interest at this rate.
The best gas rewards cards that made our ranking offer exceptional bonus rewards on gas as well as other types of spending. We looked for cards with the highest rewards rate on gas purchases specifically, but we also compared hundreds of cards to look for bonus category rewards, intro APR offers, and other cardholder perks.
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For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this page.
For rates and fees of the Blue Cash Preferred® Card from American Express, please visit this page.
For rates and fees of the Hilton Honors American Express Card, please visit this page.
We think the Blue Cash Everyday® Card from American Express and the Blue Cash Preferred® Card from American Express offer some of the best rewards on gas purchases.
The best gas credit cards typically require good or excellent credit, but some cards for bad credit scores, like the Aspire® Cashback Reward Card, offer cash back on gas purchases.
Store-branded gas cards frequently offer discounts or bonus rewards on fuel purchases. Make sure to compare different cards’ earning rates as well as any in-store discounts they offer.
Gas cards typically require good credit, but store-branded gas rewards cards are easier to qualify for. Our advice? Check your credit score to see where you stand before you apply.
All gas credit cards help you build credit, even store-branded credit cards. This is due to the fact that they report your balances and payments to the three credit bureaus — Experian, Equifax, and TransUnion.
Fleet fuel cards are gas credit cards for businesses that spend a lot of money on gasoline. These cards are often store-branded, meaning you can only use them within a brand of gas stations nationwide. Some fleet fuel cards are for gas only, but others let users charge on other items as well.
Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.
The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.
Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.
* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.
All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.
