Best Gas Credit Cards in September 2022

The best gas credit cards offer higher-than-usual reward rates on gas purchases. Plus, many of them offer rewards on purchases in other categories so that you can further capitalize on your everyday spending.

Advertising & Editorial DisclosureLast Updated: 9/2/2022
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Last Updated: 9/2/2022

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.

Read more about gas credit cards

MoneyGeek’s Take: Top 9 Gas Credit Cards

A number of the top gas credit cards we’ve selected come with no annual fees. The best cards from this segment offer high reward/cash back rates on other bonus categories such as EV charging stations, grocery stores, restaurants and online streaming services. Examples of good cards with multiple bonus categories include the PenFed Platinum Rewards Visa Signature Card, the Discover it Cash Back Rewards Card and the U.S. Bank Altitude Connect Visa Signature Card. If you plan to use your card outside of the U.S., you can also find options that charge no foreign transaction fees.

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Best Gas Credit Card Offers

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.


  • Platinum Rewards Visa Signature® Card

    A great no annual fee gas rewards card


    • ExcellentCredit Needed
    • $0Annual Fee
    • 5xRewards Rate on Gas
    • 3xRewards Rate on Groceries
    • 12 monthsBalance Transfer Duration

    Terms, rates and fees apply

  • U.S. Bank Altitude® Connect Visa Signature® Card

    A good rewards card with multiple bonus categories


    • ExcellentCredit Needed
    • $95Annual Fee
    • 1-5 pointsRewards Rate
    • 5xRewards Rate at Hotels
    • 4xRewards Rate on Gas

  • Navy Federal More Rewards American Express

    A good no annual fee rewards card for people with average credit


    • 9.65% - 18.00%APR
    • $0Annual Fee
    • 1-3 pointsRewards Rate
    • 3xRewards Rate on Dining
    • 3xRewards Rate on Groceries

  • Blue Cash Preferred® Card from American Express

    A great cash back card for gas and grocery shopping


    • Good-ExcellentCredit Needed
    • $95Annual Fee
    • 3% Cash BackRewards Rate
    • 6xRewards Rate on Entertainment
    • 6xRewards Rate on Groceries

  • Citi Premier® Card

    An excellent travel rewards card for international use


    • ExcellentCredit Needed
    • $95Annual Fee
    • 1–3 Points per $1Rewards Rate
    • 3xRewards Rate at Hotels
    • 3xRewards Rate on Groceries

  • Chase Freedom Unlimited

    An excellent no-annual-fee card that lets you earn unlimited cash back


    • ExcellentCredit Needed
    • $0Annual Fee
    • 1.5–5% Cash BackRewards Rate
    • 3xRewards Rate on Dining
    • 5xRewards Rate on Air Travel

  • Costco Anywhere Visa® Card by Citi

    One of the best cards available for Costco members who spend a lot on gas


    • ExcellentCredit Needed
    • $0Annual Fee
    • 1–4% Cash Back*Rewards Rate
    • 3xRewards Rate on Dining
    • 3xRewards Rate on Air Travel

  • Citi Custom Cash℠ Card

    A great no annual fee cash back card with a unique bonus category system


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1% - 5% Cash BackRewards Rate
    • 15 monthsAPR Offer Duration
    • 15 monthsBalance Transfer Duration

  • Chase Freedom Flex℠

    An easy-to-use cash back card with quarterly rotating bonus categories


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1–5% Cash Back*Rewards Rate
    • 5xRewards Rate on Air Travel
    • 3xRewards Rate on Dining

  • Royal Caribbean Visa Signature® Card

    A good no-annual-fee rewards card to capitalize on your Royal Caribbean spending


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1-2 PointsRewards Rate

The Best Gas Credit Cards at a Glance
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Other Cards That Reward Spending

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HOW WE RANK GAS CREDIT CARDS

Our credit card experts collect 57 data points from credit card issuers' websites, our various partners and the Consumer Finance Protection Bureau with the aim of giving you the most accurate information possible. They put all new and existing cards from this category through our unique ranking methodology to develop a revised list of the best gas credit cards. The process involves assigning specific percentages to all important parameters. Examples include:

  • Rewards rate on gas purchases: 30%
  • Annual fee: 10%
  • Average APR: 10%

5 Tips for Comparing Gas Rewards Cards

The sheer number of gas credit cards to choose from can leave you feeling overwhelmed, yet it's not too hard to find the best gas credit card for your needs if you know which questions to ask and the most important factors to compare.

1

Check for annual fees

Some of the best gas credit cards charge an annual fee, although many waive their fees for the first year. Paying an annual fee can often get you more rewards and better perks. Even so, there are plenty of card options with no annual fee to choose from.

2

Compare earning rates and welcome bonuses

If you're trying to find a credit card for everyday spending, look for a cash back credit card that also offers bonus points on groceries or dining. Also compare cards based on their bonus offers, keeping in mind whether you can easily meet any minimum spending requirements.

3

Look at specific rewards programs

Think over the type of rewards you want to earn, whether your preference is cash back or rewards that let you redeem for flexible options, including travel.

4

Understand the APR

You should strive to never carry a balance on your credit card, but we all know it can happen from time to time. Make sure you compare variable interest rates among the gas credit cards you're considering.

5

Consider other cardholder benefits

Which other perks does each card offer? And which benefits do you care the most about? Consider whether the gas credit cards you prefer offer additional benefits like no foreign transaction fees, protection for purchases, extended warranties or travel insurance.

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MONEYGEEK EXPERT TIP

Though the fixed-priced discounts at the pump that come with many co-branded gas cards may sound incentivizing, these may not be worth as much with the rising gas prices. Many industry experts recommend choosing a general credit card that rewards more for fuel purchases.

MoneyGeek’s Guide to Finding the Right Gas Card for You

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.

Understanding How the Different Types of Gas Cards Work

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.

General Credit Cards with Rewards on Gas Purchases

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.

Pros & Cons

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Pros
  • Earn rewards on all your spending
  • More cardholder perks
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Cons
  • Must have good or excellent credit
  • High APRs on spending

Co-Branded Gas Rebate Credit Cards

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.

Pros & Cons

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Pros
  • Earn discounts on eligible fuel purchases
  • Potential for rewards on other spending
  • May be available for consumers with fair credit
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Cons
  • Unimpressive rewards on regular spending
  • Few cardholder benefits
  • High APRs on spending

Branded Fuel-Only Cards / Fleet Cards

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.

Pros & Cons

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Pros
  • Helps small businesses organize and track gas purchases across the company
  • Can earn fuel rebates or discounts
  • Can set limits on employee purchases
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Cons
  • No lucrative rewards programs
  • Not a good option for everyday consumers
  • Some fleet fuel cards do not allow cardholders to carry a balance

How to Choose Between a Gas Rewards Card and a Rebate Card

A fleet fuel card only makes sense if you're a business owner who wants to track gas purchases while earning fuel discounts. However, regular consumers still have to decide which type of gas credit card to get — a gas rewards credit card or a gas rebate card. From there, there are several important steps to take.

1

Decide if you need a credit card that works for other purchases

General rewards credit cards are a good option for everyday spending and bills, whereas gas rebate cards may only be good for fuel and gas station purchases.

2

Check your credit score

Traditional rewards credit cards are typically geared to consumers with good or excellent credit. But you may be able to qualify for a fuel-only credit card or co-branded gas station credit card if you have "fair" or okay credit.

3

Determine your level of brand loyalty

Gas rebate cards are best for consumers who are loyal to a specific gas station or chain. A regular rewards credit card makes more sense for people who fill up their tank with different gas brands all the time.

4

Compare rewards with rebates

Rewards can often be redeemed for cash back or statement credits as well as for other things like gift cards, merchandise or travel. Rebates come in the form of fuel discounts, so you cannot save them up to spend later.

Common Questions About Gas Credit Cards

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

Next Steps

Now that you know what to expect from the best gas credit cards, determine if getting one might be worth your while. If you decide to apply for a new card, remember to do so after comparing your top options against parameters such as other bonus categories, reward rates, annual fees, APRs, welcome bonuses and intro APR offers.

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About the Author


Holly Johnson is the co-founder of Club Thrifty, co-author of the book Zero Down Your Debt, and is recognized as one of the top credit card experts in the field. She is also a financial expert and award-winning writer who has traveled to over 40 countries and counting.

Holly's work has been featured in publications like The Wall Street Journal, CNN, and Fox Business. She is also a regular contributor to publications that include Business Insider, Bankrate, Money.com, LendingTree, U.S. News and World Report Travel, CreditCards.com, and more.


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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.