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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 and on Select Digital Media Services
The 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 and unlimited 6% cash back on select digital media services, including Netflix and HBO. 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 welcome offer and generous intro APR period. You can redeem your cash back rewards as a statement credit, gift card, and general merchandise, starting at $25.
- Welcome Offer: Earn $200 cash (statement credit) when you spend at least $1,000 in the first 3 months of card membership.
- Key Fees: There’s a $95 annual fee. Foreign transactions run 2.7%.
- Introductory APR: There is a 0% purchase and balance transfer APR for 12 months. After that, regular variable APR applies.
- 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.
4% Cash Back on Gas Purchases
The Costco Anywhere Visa® Card by Citi has a generous gas benefit: 4% cash back on the first $7,000 in gas purchases each year. This rate applies on gas purchased at all U.S. gas stations, not just Costco filling hubs. Above the $7,000 spending threshold, gas purchases earn unlimited 1% cash back. Eligible restaurant and travel purchases earn unlimited 3% cash back worldwide, and Costco purchases earn unlimited 2% cash back in-store and online. All other purchases earn unlimited 1% cash back.
If this card has a drawback, it’s the de facto $60 annual fee for regular cardholders. Like all warehouse stores, Costco charges an annual membership fee, and you won’t qualify for this card without agreeing to pay it. That said, Costco membership promises deep savings for frequent shoppers, so this is one credit card annual fee that pays for itself without much trouble. A foreign transaction fee waiver sweetens the pot further.
- Sign-up Bonus: This card has no sign-up bonus.
- Key Fees: There’s no annual fee with a paid-up Costco membership, which costs $60 for a standard (Gold Star) membership and $120 for a premium (Executive) membership, plus applicable sales tax (if any). There is no foreign transaction fee. 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 no 0% APR introductory promotion.
- Other Perks: Other fringe benefits include complimentary rental car loss and damage coverage and extended warranties on select purchases with existing manufacturers’ warranties.
See our Costco Anywhere Visa® Card by Citi Review for more details. If you’re interested in the nearly identical business version of this card, check out our Costco Anywhere Visa® Business Card by Citi Review. Find out how you can apply for this card here.
3. Wells Fargo Propel American Express® Card
Unlimited 3X Points on U.S. Gas Station Purchases; Excellent Sign-up Bonus
The Wells Fargo Propel American Express® Card earns unlimited 3X points (effectively, 3% cash back) on purchases in a slew of spending categories, including restaurants, transit operators, airlines, and digital streaming services. But the category that matters for our purposes is U.S. gas stations. With no limits on its 3% gas subsidy and no rotating categories to worry about, this is a great card for folks who put lots of miles on their cars.
Propel’s utility isn’t limited to its expansive cash back program. This card has no annual fee and no foreign transaction fees, so it’s an ideal secondary card (perhaps for use only at the pump) and a great overseas spending aid to boot. The introductory APR promotion isn’t half bad either.
- Sign-up Bonus: Earn 30,000 bonus points (worth up to $300 when redeemed for cash) when you make at least $3,000 in qualifying purchases within 3 months of your account opening date.
- Key Fees: There’s no annual fee or foreign transaction fee. Balance transfers cost the greater of $5 or 3% of the transferred amount during the first 120 days, then the greater of $5 or 5%. Cash advances cost the greater of $10 or 5%.
- Introductory APR: There is a 0% purchase and balance transfer APR for 12 months (qualifying balance transfers must be made within 120 days of account opening). After that, regular variable APR applies.
- Other Perks: Perks include extended warranties lasting one additional year from the expiration of the manufacturer’s warranty, reimbursement for covered losses (up to certain limits) when items are damaged or stolen after purchase, and cell phone protection (subject to limitations and exclusions).
See our Wells Fargo Propel American Express® Card Review for more information.
5% Cash Back on Gas Purchases During 1 Quarter per Year (On Average); Great Sign-up Bonus
Chase 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. You can redeem for checks, statement credits, direct deposits, and purchases through Chase’s Ultimate Rewards portal. There’s no redemption minimum.
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 1 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 3 or more 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.
- Key Fees: There’s no annual fee. The foreign transaction fee is a flat 3%. When you transfer a balance within the first 60 days, the balance transfer fee is the greater of 3% or $5 of the transferred amount. Thereafter, the balance transfer fee is the greater of 5% or $5. Cash advances always cost the greater of $10 or 5%.
- Introductory APR: There is a 0% purchase and balance transfer APR for 15 months. After that, regular variable APR applies.
- 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.
2% Cash Back on Up to $25,000 in Gas Purchases; Up to 5% Cash Back on Other Spending Categories; Business Users Only
Chase Ink Business CashSM 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 Business 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 Business CashSM 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 $500 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 for 12 months. After that, regular variable APR applies.
- Other Perks: Extended warranty protection extends warranties lasting less than three years for an additional year at no additional charge.
6. Hilton Honors Amex Ascend Card
6X Points on Gas Purchases
The Hilton Honors Amex Ascend card is arguably the best hotel credit card for gas rewards. If you frequently travel for business and have a long commute to the home office, or need to cover an extensive sales territory by car, this is the card for you – provided you can find a Hilton property on the road.
All gas station purchases earn unlimited 6 Honors points per $1 spent. So to do supermarket and restaurant purchases. Qualified purchases at Hilton properties earn a whopping 12 points per $1 spent, while all other purchases earn unlimited 3 points per $1 spent. Award night redemptions start as low as 5,000 points per night at the lowest-tier Hilton properties, so you can treat yourself to a free stay after as little as $834 in gas spending. If business takes you abroad, you’ll make out well with no foreign transaction fee here.
- Sign-up Bonus: Earn 125,000 bonus Hilton Honors points when you spend at least $2,000 during the first 3 months your account is open. That’s worth up to 25 free nights when redeemed for award stays at the lowest-tier Hilton properties.
- Key Fees: The annual fee is $95. There’s no foreign transaction fee. Cash advances cost the greater of $5 or 3%.
- Introductory APR: There’s no introductory APR promotion.
- Other Perks: This card comes with a slew of benefits for frequent travelers, including a free weekend award night every year in which you spend at least $15,000, complimentary Hilton Honors Gold status as long as your account remains in good standing, and up to 10 free visits to participating Priority Pass airport lounges.
See our Hilton Honors Amex Ascend Card Review for more information.
3x Points on Gas Purchases; No Foreign Transaction Fees
The Citi 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, statement credits (your best bet if you’re looking for a cash equivalent), direct purchases with retailers like Amazon and Best Buy, and much more. Redemption minimums vary by redemption method. Another perk: no foreign transaction fee.
- Sign-up Bonus: Earn 60,000 bonus points when you make at least $4,000 in purchases with your card within the 3 months of opening your account.
- Key Fees: The annual fee is $95. 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.
3% Unlimited Cash Back on Gas, Cellular, and Office Supply Purchases
U.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 Business Cash 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: Earn $200 bonus cash when you spend at least $1,000 in eligible purchases during the first 3 months your account is open.
- 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. After that, variable regular APR applies.
- 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.
Instant Unlimited $0.05 Off per Gallon on Gas Purchased at Sunoco Gas Stations
The 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.
- Other Perks: Get unlimited extra cards for family members at no additional cost.
Find out how you can apply for this card here.
2X Points on Gas Station Purchases, Up to $6,000 in Category Spending Per Year
The Citi Rewards+? Card earns 2 ThankYou points per $1 spent on eligible gas station purchases, up to $6,000 in annual combined category spending. Supermarket purchases also earn 2 points per $1 spent and count toward the $6,000 spending cap for bonus point earnings. Above the annual cap, all purchases, including gas station purchases, earn unlimited 1 point per $1 spent. Citi Rewards is the only card that automatically rounds up to the nearest 10 points on every purchase, every time.
Like ThankYou points earned through Citi Premier, you can redeem for pretty much anything at the ThankYou portal, and you can shop with points at major merchants like Amazon and Best Buy as well. For the first year, you’ll get 10% points back on the first 100,000 points redeemed.
- Sign-up Bonus: When you spend at least $1,000 in eligible purchases during the first 3 months your account is open, you’ll earn 15,000 bonus ThankYou points. That’s enough to redeem for $150 in gift cards.
- Key Fees: There’s no annual fee. The foreign transaction fee is 3%. Late payments cost $38, and the cash advance fee is the greater of $10 or 5%.
- Introductory APR: 0% APR on purchases and balance transfers for 15 months. After that, the variable APR is 15.74% to 25.74%, based on your creditworthiness.
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?
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.