12 Best Gas Credit Cards – Reviews & Comparison

Advertiser Disclosure: The credit card offers in this post are from our partners. We may receive compensation when you click on links to those products.

Gas is one of the most popular credit card rewards categories. That’s no surprise, as most Americans rely on gas-powered cars to get around and are always searching for ways to save money on gas. Many general-purpose cash back credit cards include gas or gas station purchases as a regular rotating category, while others feature permanent cash back on gas buys.

When deciding which card best fits your needs, pay special attention to any spending caps, brand restrictions, and time limits that could eat into your earning power. Read each card’s fine print to get the lowdown on any exclusions or restrictions. For instance, most general gas credit cards that offer cash back at “all U.S. gas stations” specifically exclude warehouse clubs like Sam’s Club and Costco, which sell discounted gas and have their own cash back rewards programs. And pay special attention to interest rates, which can sometimes be higher than those of non-rewards credit cards.

Caveats aside, these are the best gas and gas station credit cards available today.

Best Gas Credit Cards

1. Blue Cash Preferred® Card from American Express

3%  Unlimited Cash Back at U.S. Gas Stations; 6% Cash Back at Supermarkets; 1% on Everything Else

american express blue cash preferred cardThe Blue Cash Preferred Card from American Express has one of the best gas rewards programs around: 3% unlimited cash back on purchases at all U.S. gas stations, with no spending caps or other restrictions. You also earn 6% cash back on supermarket purchases up to $6,000 per year. Plus, you get 1% cash back on all non-gas and non-supermarket purchases, with no limits. However, there’s a $95 annual fee.

Other benefits include a nice sign-up bonus and generous intro APR period. However, you can only redeem your cash back rewards as a statement credit. If you want a bank account deposit, paper check, or gift card, look elsewhere. The minimum redemption amount is $25.

  • Sign-up Bonus. Earn $150 cash (statement credit) when you spend at least 500 in the first 3 month of card membership.
  • Key Fees. There’s a $95 annual fee. Cash advances and balance transfers cost the greater of $5 or 3%. Foreign transactions run 2.7%, and late and returned payments both cost $37.
  • Introductory APR. There is a 0% purchase and balance transfer APR for 12 months.
  • APR. After the intro period, purchase and balance transfer APR ranges from 13.24% to 23.24%, depending on your creditworthiness and prevailing interest rates. The cash advance APR is 25.49%, and the penalty APR is 29.49%.
  • Other Perks. Card membership has a host of fringe benefits, including access to cardholder-only entertainment events and return protection, which compensates you up to $300 per item for attempted returns rejected by merchants.

See our American Express Blue Cash Preferred Card Review for more information. Find out how you can apply for this card here.


2. Discover it® Chrome

2% Cash Back on Gas & Dining; Low Fees

discover-it-chromeDiscover it Chrome pays 2% cash back on at-the-pump gas and dining purchases made in the U.S., up to a combined $1,000 per quarter. To get the most out of this card’s gas-buying power, use it sparingly at restaurants. During your first year of card membership, Discover automatically doubles all the cash back you earn – a strong incentive to maximize your rewards from the get-go. There are no redemption minimums – you can redeem any time, in any amount, for statement credits and direct deposits.

You also get 1% unlimited cash back everywhere else, so Discover it Chrome is a nice everyday card as well. Low fees, including no annual fee, and a relatively low purchase APR help too. If you drive a lot and spend more than $1,000 in gas per quarter, consider upgrading to another gas credit card.

  • Sign-up Bonus. There’s no sign-up bonus, aside from the first-year double cash back perk.
  • Key Fees. There are no annual fees or foreign transaction fees. Cash advances cost the greater of $10 or 5%. Balance transfers cost $3, and late and returned payments run $35.
  • Introductory APR. There is a 0% purchase and balance transfer APR for 12 months.
  • APR. After the introductory period, purchase and balance transfer APR ranges between 11.24% and 23.24%, depending on creditworthiness and prevailing interest rates. The cash advance APR is 25.24%, and there’s no penalty APR.
  • Other Perks. You get a free monthly FICO score and don’t have to pay a late fee when you miss your first payment.

See our Discover it Chrome Card Review for more information. Find out how you can apply for this card here.


3. Chase Freedom

5% Cash Back on Gas Purchases During 2 Quarters per Year; Great Sign-up Bonus

credit-card-lockChase Freedom is a general-purpose cash back credit card that offers 5% cash back on purchases up to $1,500 in quarterly rotating categories. All other purchases earn 1% cash back, with no spending caps or earning limits. Notably, there’s no annual fee. The redemption minimum is $20, and you can redeem for checks, statement credits, direct deposits, and purchases through Chase’s Ultimate Rewards portal.

While gas and gas stations aren’t always part of the 5% club, Chase Freedom has historically included at-the-pump gas or gas station purchases (covering all U.S. brands, in both cases) in at least 2 of its 4 annual 5% bonus rotating categories. In other words, you can expect your Chase Freedom card to pay 5% on gas purchases roughly 6 months out of the year. Plus, there’s a really nice sign-up bonus and a solid intro APR period. However, you need to manually activate your 5% cash back categories before the middle of their expiration month.

  • Sign-up Bonus. Earn a $150 cash back bonus when you make at least $500 in qualifying purchases within 3 months of account opening, and an additional $25 when you make a single purchase within the same initial 3-month period.
  • Key Fees. There’s no annual fee. The foreign transaction fee is a flat 3%. Balance transfers cost the greater of $5 or 3% of the transferred amount, and cash advances cost the greater of $10 or 5%.
  • Introductory APR. There is a 0% purchase and balance transfer APR for 15 months.
  • APR. After the introductory APR period, the purchase and balance transfer APR is 14.24% to 23.24%, depending on your creditworthiness and prevailing interest rates. Cash advance APR is 25.24%. Penalty APR is 29.99%.
  • Other Perks. The Chase Purchase Protection insurance product covers all purchases made with your Chase Freedom card for 120 days, up to $500 per claim and $50,000 per account.

See our Chase Freedom Card Review for more information. Find out how you can apply for this card here.


4. Discover it®

5% Cash Back on Gas During One Quarter per Year; Double Cash Back in Year One

discover-it-cardDiscover it is a general-purpose rewards credit card that offers 5% cash back on purchases up to $1,500 in quarterly rotating categories. Gas station purchases (in-store and at the pump, all U.S. brands) reliably rotate into the 5% wheelhouse at least 1 quarter per year, and sometimes more.

Like Chase Freedom, there’s no annual fee. Like Discover it Chrome, there are no cash back redemption minimums, and you can redeem for direct deposits or statement credits.

All other purchases earn 1% cash back, with no spending limits, so Discover it is a great compromise between a pure gas rewards card and an everyday spending card. Plus, Discover doubles your cash back in the first year.

  • Sign-up Bonus. There’s no sign-up bonus aside from the first-year double cash back benefit.
  • Fees. There’s no annual fee or foreign transaction fee. Balance transfers cost 3%, and cash advances the greater of $10 or 5%. There’s no late fee for your first late payment, but it costs $35 per late payment thereafter.
  • Introductory APR. 0% on purchases and balance transfers for 12 months.
  • APR. After the introductory period, purchases and balance transfers range from 11.24% to 23.24%, depending on creditworthiness and prevailing rates. The cash advance APR is 25.24%, and there is no penalty APR.
  • Other Perks. The Freeze It feature turns off many account features, such as purchasing and cash advances, with one click. You’re also entitled to a free FICO credit score each month.

See our Discover it Card Review for more information. Find out how you can apply for this card here.


5. PenFed Platinum Cash Rewards Plus

Unlimited 5% Cash Back at the Pump; Low APR ; Minimal Fees

penfed platinum cash rewards cardPenFed is short for Pentagon Federal Credit Union, but you don’t have to work at the Pentagon or in the Armed Forces to qualify for the PenFed Platinum Cash Rewards Plus Card. Instead, just make a one-time donation of $15 or $20, respectively, to join Voices for America’s Troops or the National Military Families Association, and qualify for lifetime PenFed membership.

To open a PenFed Platinum Cash Rewards Plus account, you need to open at least one PenFed deposit or loan account, such as a checking account or money market account. The inconvenience is well worth it, as this card offers unlimited 5% cash back on at-the-pump (not in-store) purchases at all U.S. gas stations – one of the most generous gas benefits around. There’s no annual fee to cut into your earnings. And the cash back is automatically awarded as a statement credit each month, with no redemption minimums or action required on your part.

PenFed Platinum Cash Rewards Plus has a host of other benefits, including low APR and minimal fees. Drawbacks include no intro APRs and no cash back rewards on anything other than gas purchases.

  • Sign-up Bonus. $100 statement credit when you spend at least $1,500 in the first 90 days.
  • Key Fees. Balance transfers cost 3% of the transferred amount. There are no cash advance, foreign transaction, or annual fees. Late payments cost $10 to $25, depending on balance size.
  • Introductory APR. There’s no intro purchase or cash advance APR. 0% Intro balance transfer APR for 12 months.
  • APR. Purchase, cash advance, and balance transfer (after intro period) APRs range from 10.24% to 17.99%, depending on your creditworthiness and prevailing interest rates. Penalty APR is always 17.99%.
  • Other Perks. Card membership automatically entitles you to $100,000 in travel protection insurance for all trips purchased with your PenFed Platinum Cash Rewards Plus.

Find out how you can apply for this card here.


6. PenFed Platinum Cash Rewards

Unlimited 3% Cash Back at the Pump; Low APR & Fees

penfed platinum cash rewards cardPenFed Platinum Cash Rewards is similar to PenFed Platinum Cash Rewards Plus, but with slightly less-generous gas benefits: unlimited 3% cash back at the pump (not in-store) at all U.S. gas stations. There aren’t any other cash back benefits.

To qualify, you do need to be a PenFed member, but don’t need to open a deposit or loan account. As with the PenFed Platinum Cash Rewards Plus, cash back is automatically awarded as a monthly statement credit, with no minimums.

After a one-year fee-free period, PenFed Platinum Cash Rewards has a low annual fee of $25. Otherwise, the same APRs and perks apply.

  • Sign-up Bonus. $100 statement credit when you spend at least $1,500 in the first 90 days.
  • Key Fees. There’s no annual fee for the first year, then $25 every year thereafter. Balance transfers cost 3% and late payments cost $10 to $25, depending on balance size. There are no cash advance or foreign transaction fees.
  • Introductory APR. There’s no intro purchase or cash advance APR. 0% Intro balance transfer APR for 12 months.
  • APR. APRs range from 10.24% to 17.99% for purchases, cash advances, and balance transfers, depending on creditworthiness and prevailing interest rates. The penalty APR is 17.99%.
  • Other Perks. The same travel protection insurance benefits – up to $100,000 per trip when you buy travel with your card – apply here.

Find out how you can apply for this card here.


7. BankAmericard Cash Rewards™ Credit Card

3% Cash Back on Gas, Up to $2,500 Per Quarter; Nice Fringe Benefits for Bank of America Customers

bankamericard cash rewards credit cardThe BankAmericard Cash Rewards Credit Card accrues 3% cash back on all U.S. gas station purchases (at the pump and in-store) and 2% cash back on grocery store purchases, up to a $2,500 combined quarterly limit. To get the most out of your gas reward, avoid using this card at the supermarket. But you can and should use it elsewhere – all other purchases earn 1% cash back, without limits or exceptions. Importantly, there’s no annual fee. The minimum cash back redemption is $25.

Boost your cash back by an additional 10% when you open a Bank of America checking account and redeem your cash via direct deposit – and by as much as 75% when you apply for Bank of America Preferred Rewards status. However, this doesn’t come cheap: Preferred status requires minimum deposit account balances of at least $25,000 and as much as $100,000, depending on your membership level.

  • Sign-up Bonus. $100 cash back bonus when you make $500 in qualifying purchases within 90 days.
  • Key Fees. There’s no annual fee. Balance transfers and cash advances cost the greater of $5 or 3%. Late payments are $37 and returned payments run $27, and the foreign transaction fee is 3%.
  • Introductory APR. There is a 0% purchase and balance transfer APR for 12 billing cycles.
  • APR. After the intro period, the purchase and balance transfer APR is 13.24% to 23.24%, depending on prevailing rates and creditworthiness. The cash advance APR is 16.24% to 25.24%, depending on your creditworthiness and prevailing rates. The penalty APR is 29.99%.
  • Other Perks. Aside from the Preferred Rewards cash back boost (25% to 75%, depending on membership level), there aren’t many perks that aren’t available with most other credit cards.

See our BankAmericard Cash Rewards Card Review for more information.


8. Citi ThankYou® Premier Card

3x Points on Gas Purchases; No Foreign Transaction Fees

citi thankyou premier credit cardThe Citi ThankYou Premier Card is a  travel rewards credit card with a great gas benefits. You earn 3 points per $1 spent on all travel purchases, including in-store and at-the-pump gas station purchases across the U.S., as well as 3 points per dollar spent on airfare, hotels, and rental cars. You earn 2 points per $1 on dining and entertainment purchases, and 1 point per $1 spent on everything else.

Redeem your points at Citi’s ThankYou portal, where you can buy airfare and other travel items, gift cards at major merchants, apparel, electronics, and even online bill-pay credits (your best bet if you’re looking for a cash equivalent). Redemption minimums vary based redemption method, and point values range up to $0.0125 when redeemed for airfare.

Watch out for the annual fee and somewhat high APR, but enjoy the lack of foreign transaction fees.

  • Sign-up Bonus. There is currently no sign-up bonus for this card.
  • Key Fees. The annual fee is $95, waived for the first year. There’s no foreign transaction fee, but late and returned payments both cost $35. Balance transfers run the greater of $5 or 3%, and cash advances cost the greater of $10 or 5%.
  • Introductory APR. There’s no intro APR.
  • APR. The regular purchase and balance transfer APR varies between 14.24% and 23.24%, depending on prevailing rates and your creditworthiness. The cash advance APR is 25.49%, and the penalty APR is 29.99%.
  • Other Perks. Citi’s Private Pass program offers VIP access and early sales for concerts, sporting events, and other entertainment. Separately, offers personalized concierge services, such as 24/7 travel and event booking.

See our Citi ThankYou Premier Card Review for more information.


9. Chase Ink Cash Business Card

2% Cash Back on Up to $25,000 in Gas Purchases; Up to 5% Cash Back on Other Spending Categories; Business Users Only

credit-card-lockChase Ink Cash is a business credit card with a very generous gas reward: 2% cash back on combined gas station (in-store and at the pump) and restaurant purchases, up to $25,000 per year. You can redeem for statement credits, direct deposits, checks, and Ultimate Rewards purchases, starting at a $20 minimum.

Ink Cash’s rewards don’t stop there. The card also offers 5% cash back on office supply and communications purchases (cellular phone, landline, Internet, and cable TV services), up to $25,000 per year. All other purchases earn 1% cash back, with no spending caps or earning limits. Other perks include a nice sign-up bonus, no annual fee (which is somewhat unusual for a business card), and relatively low APR.

Remember that the Ink Cash is meant for business financing. If you don’t own your own business, you likely won’t qualify for this card.

  • Sign-up Bonus. Earn $200 bonus cash back when you spend at least $3,000 in qualifying purchases within 3 months.
  • Key Fees. There’s no annual fee. Foreign transactions cost 3%. Balance transfers cost the greater of $5 or 5%, and cash advances the greater of $15 or 5%. Late payments range from $15 to $39, depending on balance size.
  • Introductory APR. 0% on purchases and balance transfers for 12 months.
  • APR. After the intro period, the purchase and balance transfer APR is a variable 13.49% to 19.49%, depending on prevailing rates. The cash advance APR is 25.24%, and the penalty APR is 29.99%.
  • Other Perks. Extended warranty protection extends warranties lasting less than three years for an additional year at no additional charge.

See our Chase Ink Cash Business Card Review for more information. Find out how you can apply for this card here.


10. U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

3% Unlimited Cash Back on Gas, Cellular, and Office Supply Purchases

us bank business edge cash rewards cardU.S. Bank Business Edge Cash Rewards is another no-annual-fee business credit card meant for small business owners. With unlimited 3% cash back on at-the-pump gas, cellular, and office supply purchases, it’s an on-the-go business owner’s dream – and eliminates worry about sticking to spending limits. The redemption minimum is $25, and you can redeem for statement credits, direct deposits (U.S. Bank accounts only), or MasterCard gift cards.

Like the Ink Cash Business Card, this card is only for business owners. If you don’t own your own business, look elsewhere. To maximize the gas benefit, order additional credit cards (at no extra charge) for your field employees.

  • Sign-up Bonus. There is no sign-up bonus.
  • Key Fees. There’s no annual fee. Balance transfers cost the greater of $5 or 3%, and cash advances cost the greater of $10 or 4%. Foreign transactions run 2% if denominated in dollars, and 3% if denominated in foreign currency. Late fees range from $19 to $39, depending on balance size.
  • Introductory APR. There is an intro 0% purchase APR for 9 months.
  • APR. After the intro period, the purchase and balance transfer APR is 12.24% to 18.24%, depending on creditworthiness and prevailing interest rates. The cash advance APR is 24.24%, and the penalty APR is 28.99%.
  • Other Perks. You can get an unlimited number of employee cards (tied to the same account) at no additional charge. All extra employee cards also earn cash rewards.

Find out how you can apply for this card here.


11. Sunoco Rewards Credit Card

Instant Unlimited $0.05 Off per Gallon on Gas Purchased at Sunoco Gas Stations

sunoco gas rewards cardThe Sunoco Rewards Card offers a simple, powerful gas reward: unlimited $0.05 off per gallon of gas purchased at U.S. Sunoco gas stations. The discount is automatically applied with no action required on your part, except to use the card to purchase gas, and no other restrictions. Watch out for this card’s high APR.

  • Sign-up Bonus. There’s no sign-up bonus.
  • Key Fees. There’s no annual fee or foreign transaction fee. Late payments cost $38, and the cash advance fee is the greater of $10 or 5%.
  • Introductory APR. There’s no intro APR.
  • APR. The regular purchase APR is 25.24%, and the cash advance APR is 29.99%.
  • Other Perks. Get unlimited extra cards for family members at no additional cost.

Find out how you can apply for this card here.


12. Chevron and Texaco Techron Advantage™ Visa® Card

Unlimited $0.03 Off per Gallon on Chevron/Texaco Purchases, Plus Up to $0.20 Off per Gallon When You Spend At Least $1,000 per Month

chevron texaco techron advantage visa cardThe Chevron and Texaco Techron Advantage Visa Card automatically confers an unlimited $0.03 fuel credit on gas purchases made at U.S. Chevron and Texaco stations. When you spend at least $300 per month on non-gas purchases, you get an additional $0.10 credit per gallon (for a total per-gallon credit of $0.13) on every gallon of gas purchased for the remainder of the month. If you spend at least $1,000 per month on non-gas purchases, you get a $0.20 credit per gallon, for a total per-gallon credit of $0.23, again for the remainder of the month.

There’s no cap on any credit – you can redeem for a theoretically unlimited number of gallons after you clear the spending threshold each month. Credits are automatically redeemed at the pump, reducing your per-gallon price by the appropriate amount.

This card comes with exclusive Chevron and Texaco offers, but its high APR could be problematic.

  • Sign-up Bonus. There’s no sign-up bonus.
  • Key Fees. There is no annual fee or foreign transaction fee. Cash advances cost the greater of $10 or 3%, and late payments cost $35.
  • Introductory APR. There’s no intro APR.
  • APR. The regular purchase APR is 27.24%. The cash advance APR is 29.99%, but there’s no penalty APR.
  • Other Perks. Cardholders get periodic exclusive offers and discounts on merchandise at Chevron and Texaco stores.

Find out how you can apply for this card here.


Final Word

Since most American households own at least one car, and gas is therefore a necessary expense for most people, it’s no surprise that gas is such a popular credit card rewards category.

On the other hand, even the most committed drivers spend money on plenty of things other than gas. If you drive often, by all means, sign up for one of the gas rewards credit cards. However, consider pairing your gas card with a general-purpose rewards card that offers cash back on a wider range of purchase types – or all purchases, regardless of type. Capital One Quicksilver Cash Rewards and Citi Double Cash are great examples of generous general-purpose cards.

And before you submit your gas credit card application, make sure you’re actually going to use it enough to make it worthwhile. Consider how much you drive and what type of car you own, which merchants accept the card, whether you’re allowed to use it at grocery store or warehouse club gas stations, and the regular purchase APR. Always read your card’s fine print, and check for changes regularly after you start using it.

Finally, if at all possible, pay your balance in full each month. If paying in full is a challenge, opt for a low APR credit card instead.

What’s your favorite gas rewards credit card?

  • TheGooch

    Do you know how well these cards would work atoverseas military bases? usually most charges would go through a military exchange or commissary vendor. I noticed my Paypal cash back card works at the Exchange but not at the commissary.

  • Fxcosys2

    Ref: AmEx True Earnings Card, On August 1, 2011, the rebate for restaurant purchased will be reduced to 2%. All other rebates remain the same.

  • Yev

    BP visa no longer gives any benefit from all purchases, and you may only redeem points at pump.

  • T86

    Received notice 9/6/13 that PenFed Platinum Cash Rewards Visa Card will have a $25 annual fee as of 10/26/13. Also gas discount will be reduced to 3% and the 0.25% discount on other purchases will be eliminated. Now shopping for a new card.

  • PNW

    I also received the notice from PenFed about charging the $25 annual fee. Bummer! I will be switching to my AmEx Blue Cash Preferred Card and just buy Arco gas cards at the grocery store for a 6% cash back discount. Arco has the cheapest gas in my area anyway.

  • http://www.doctorofcredit.com/ doctorofcredit

    There is another 5% gas cash back card as well: Fort Knox Credit Union

  • A.L.

    PenFed’s Platinum Rewards card changed the amount of points needed to redeem rewards. While you earn still earn 5 points per $1, the value is less than 5%. Its closer to 4 and a fraction because a point is worth less than a penny when using them to redeem rewards. (I suspect others who have commented on PenFed are talking about a different PenFed card, as they have many choices)

  • no way bp

    chase bp card is the worst. Try calling them to get a simple question answered. Go thru a options maze. Be transferred twice and get an arguementative rep. Don’t use that card.

  • its a rip off

    Watch out for the bp card by chase. They send you offers in the mail to get a low interest balance transfer. Do that and your card is then worthless. That’s because even if you paid off any monthly purchases and minimum balance, they will charge you interest on those purchases until you balance transfer is paid off. RIPOFF !

  • ccdirtdawgs

    Chase BP is now Synchrony BP. The rewards have been severely downgraded and the new APR for purchases is ghastly – 26.99%.

  • Sue Swift

    Sam’s Club MasterCard 5% on gasoline at any gas station (except other warehouse clubs).

  • Kristin

    I’ve had a BP visa card for 20 years–have gone through several bank changes, but the one this spring to Synchrony Bank is the definition of disaster! In addition to “losing” my payment during the switch, these are a few of the top customer service fails I’ve experienced in the past 6mo:

    1) denied payment on 3 occasions: One was legitimate fraud. One was at a Dick’s Sporting Goods store. They though it was a purchase in Columbia the country and not the Columbia 5 miles from my house that i shop at every few weeks. One was because I traveled out of state. I was told that i should call them every time i leave the state. HUH?

    2) I’ve had fraud or possible fraud 3 times in the last six months. It takes them 5 business days to send a new card. If you happen to be away from home, they cannot figure out how to get the card to you without changing your billing address to your travel address.

    3) The “customer service” number on the back of the card is actually the claims department. I’ve had several claims dept people vigorously inform me of this. In fact, one person told me it wasn’t his job to
    provide customer service. HUH?!?!?!?

    4) The first person to answer the phone is poorly trained and has no ability to deviate from a written script. I’ve called so many times i now politely ask for their manager.

    They don’t care if they lose customers, so I’m done with this card.

  • DonThayer

    You might also want to check out the reward calculator at CreditCardTuneUp. com for finding good cards and card combinations for your gas spending and whatever other monthly expenses you enter into their calculator.

  • louise.turnbull

    I currently gain approximately $6000-$8000 /month from freelancing on internet. Anyone ready to finish easy at home task for 2h-5h /a day at your house and make good salary for doing it… This is ideal for you… UR1.CA/pm79n

    fgh

  • gladys.aldrich

    I usually make roughly 6-8 thousand dollars every month from freelancing at home. Everyone ready to work simple online tasks for 2h-5h every day from your sofa at home and gain decent checks in the same time… Test this task SECURE84.COM

    dsfsf

  • John

    Wgat about the Mercedes Benz credit card? You can earn unlimited 3x on gas no rotating categories. Annual fee of $95