The Best Gas Credit Cards of 2021

The best gas credit cards make it convenient to fill up at the pump, but they also offer valuable rewards and cardholder perks that are worth signing up for. For example, many of the best credit cards for fuel let you earn cash back on your spending, and some fuel credit cards even offer fuel discounts and consumer benefits like purchase protection and guaranteed returns.

Recent figures from the Bureau of Labor Statistics show the average family spends $2,094 per year on fuel, but what are they getting in return? With some research and planning, you could be earning up to 3% back (or more) on fuel purchases as well as rewards on other spending.

This comprehensive guide breaks down everything you need to know about the best gas credit cards, including fuel credit cards for small businesses. We'll even explain the different types of gas credit cards, from fuel credit cards to traditional rewards credit cards that let you rack up points on gas and other purchases.

The best fuel cards help users earn rewards, score discounts or gain consumer protections when they fill up at the pump. Make sure you understand the different types of gas credit cards before you sign up, as well as their pros and cons. Specific features and pros and cons of each gas card type are discussed in more detail in the section below, "MoneyGeek’s Guide to Finding the Right Gas Card for You".

Frequent drivers and daily commuters will want to focus on fuel credit cards that let them earn rewards or save money on fuel. Note that most traditional rewards credit cards require good or excellent credit, yet gas credit cards for bad credit — typically fuel-only cards — are also available.

Small businesses can also benefit from gas credit cards that offer cash back and other perks. The business fuel cards we profile below offer the most lucrative rewards rates and incentives.

We compile and rank our lists of suggested credit cards based on publicly available data from card issuers and other reputable sources like the Consumer Finance Protection Bureau. We review each card's fees, interest rates, rewards, benefits, and more to assign a rating for each feature. These ratings are stack ranked and weighted for each card category to determine our top selections for each type of user. Learn more about our credit card ranking methodology.

Quickly compare the top gas cards by annual fees and introductory bonuses. More information can be found in the section above or by visiting our partner site’s list of best gas credit cards.

Maybe you're looking for the best credit card for gas and groceries, or perhaps you're looking for a fuel credit card that lets you save money on every gallon of gas you buy. Either way, the key to finding the best possible credit card is making sure you know what you're looking for.

Think about what you hope to accomplish with your new gas credit card, the cardholder benefits you want the most and your current credit score. From there, compare the card options you may be eligible for, as well as the ones that make sense for your long-term goals.

There are different types of credit cards for gas, ranging from traditional rewards credit cards that happen to give bonus points at gas stations to gas station credit cards, fleet fuel cards and gas rebate cards. Learning how each type of card works can help you decide which is best.

Some gas credit cards are simply rewards credit cards that happen to offer more points on gas. Cards in this niche are available through traditional card issuers like Chase and American Express. They tend to offer the broadest range of rewards and cardholder benefits compared to other gas credit cards. Also note that most rewards credit cards that offer bonus points on gas give you cash back or statement credits, although some offer flexible rewards that can be redeemed for travel, merchandise, gift cards and other options.

Rewards credit cards for gas are best for consumers who want to rack up points on all their spending and bills, as well as those who want access to cardholder benefits like purchase protection or extended warranties.

Gas rebate credit cards offer discounts on gas instead of a traditional rewards program. It's possible you'll earn some rewards on other purchases you make. Still, gas rebate card rewards aren't as lucrative for non-gas-related purchases when compared to traditional rewards credit cards.

Interestingly, some gas rebate credit cards are only for fuel, whereas others are offered by Visa or Mastercard, making it possible to use them for other expenses. Either way, gas rebate credit cards are best for consumers who primarily want to save on gas and don't care about earning rewards or gaining access to common credit card perks.

Fleet fuel cards are geared to small businesses who spend a lot on gas and want to make their purchases more convenient and organized. Business owners can give each of their employees a card to use for gas, and many fleet fuel cards offer benefits like detailed reports and expense tracking. Some even let you use your card to pay for maintenance at participating locations.

Fuel rebates are also common among cards in this niche, although users often have to use a specific fuel station network to be eligible. Also note that some fleet fuel cards are offered through major card issuers, meaning you can use them for non-fuel purchases. Others are fuel-only cards, meaning you can only use them for gas, maintenance and sometimes in-store gas station purchases like drinks or food.

Still can't decide on the best credit card for gas rewards? Knowing which questions to ask can help in your search.

Now that you know everything there is to know about gas credit cards, you have some work to do. Spend some time exploring the contents on this page, including the top credit card offers for gas and other purchases. With some research and planning, you'll be on your way to gas rewards or fuel discounts in no time.