Best Gas Credit Cards - September 2024

Maximizing your daily expenses through gas credit cards can lead to significant savings and rewards over time. Whether you're a frequent driver, someone who values earning points on everyday purchases or a traveler looking to convert points to miles, there's a gas credit card that fits your needs. Here are some consumer profiles who would benefit most from these cards:

• Frequent drivers who want to earn cash back on every gas-up session.
• Everyday spenders who are looking to maximize rewards on daily expenses like groceries and streaming services.
• Travel enthusiasts who prefer earning points to convert into miles for future trips.

*Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

*For rates and fees of the Blue Cash Preferred® Card From American Express, please click here.

The Blue Cash Preferred® Card from American Express offers a robust 3% cash back at U.S. gas stations, making it a top contender for the best credit card for gas rewards. Additionally, it provides 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 6% on select U.S. streaming subscriptions and 3% on transit expenses.

The card comes with a $0 intro annual fee for the first year, then $95 (see Rates and Fees), and a $250 statement credit welcome bonus after spending $3,000 on eligible purchases within the first six months. Enjoy a 0% intro APR on purchases and balance transfers for 12 months, followed by a variable APR of 19.24% to 29.99% see Rates and Fees. You can redeem cash back as Reward Dollars as a statement credit or at Amazon.com checkout.

For more options, check out our cash back credit cards.

The Citi Custom Cash® Card offers a flexible 5% cash back on your top eligible spend category each billing cycle, including gas, up to $500 spent. After that, you earn 1% cash back on all other purchases. This card is ideal for those who want their rewards to adjust automatically based on their spending habits.

With no annual fee and a 0% intro APR on purchases and balance transfers for 15 months, then a variable APR of 19.24% - 29.24% after that, this card provides excellent value. The intro bonus of $200 cash back after spending $1,500 in the first six months adds to its appeal as one of the best gas cards for good credit for both leisure and business. Redemption options are versatile, allowing you to redeem points for statement credits, gift cards, travel or direct deposits. Keep in mind, though, that this card requires a Citi membership.

The Costco Anywhere Visa® Card by Citi is a top pick for Costco members. It offers 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and eligible travel purchases and 2% cash back on all other purchases from Costco and Costco.com. With no annual fee and high rewards, it's a strong contender for those seeking the best credit card for groceries and gas.

Compared to other gas cards on the list, this card stands out for its high cash back rates, but its value is tied to a Costco membership, making it one of the best credit cards for gas and groceries. While other cards may offer similar rewards without membership requirements, this one excels in overall value for Costco shoppers.

>> MORE: Compare Costco Cards

The Chase Freedom Unlimited® offers versatile cash back rewards, making it a solid choice for gas and more. While it doesn’t match the specialized gas rewards of other top cards, its broad earning potential and flexibility in redemption make it ideal for consumers seeking balanced rewards across multiple categories without an annual fee.

The USAA® Cashback Rewards Plus American Express® Card offers 5% cash back on gas and military base purchases up to $3,000 annually, with no annual fees and solid travel perks. While its gas rewards are higher, the $3,000 cap is lower than the Costco Anywhere Visa® Card’s $7,000 cap. Compared to the flexible Citi Custom Cash® Card and broad Chase Freedom Unlimited®, it’s best for military-focused spending.

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

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 offering more points on gas. Cards in this niche are available through traditional card issuers like Chase and American Express.

Compared to other gas credit cards, they tend to offer the broadest range of rewards and cardholder benefits. Also note that most rewards credit cards that offer bonus points on gas give you cash back or statement credits, although some provide flexible rewards that you can redeem 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 standard credit card perks.

Fleet fuel cards are geared toward small businesses that 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.

Gas credit cards can be a smart way to maximize rewards on everyday fuel purchases, often offering 3% to 5% cash back at the pump. Many also sweeten the deal with perks for spending on groceries, dining, or travel. But before choosing one, it’s worth factoring in your annual gas spending, where you usually fill up, and which rewards structure suits your lifestyle best.

With the typical American household spending roughly $2,000 a year on gas and $1,000 on vehicle maintenance, a gas credit card could net some serious savings. Take the Blue Cash Preferred® Card from American Express, which gives 3% cash back on gas purchases, or the Citi Custom Cash® Card, which lets you earn 5% back in your highest spend category—perfect if gas is one of your biggest monthly expenses.

Use the MoneyGeek Calculator to see how much you could save with a gas credit card.