Best credit cards for gas of February 2025
Fuel up your savings with the best gas credit cards. Earn 2%, 3%, or even 5% cash back on every gas purchase. Discover top-tier cards offering incredible rewards, 0% APR introductory periods, and more.
Whether you’re commuting daily or embarking on a road trip, the right credit card can significantly reduce your fuel costs. Don’t miss out on the opportunity to earn maximum rewards on every fill-up. Find the perfect gas credit card to fit your lifestyle and start saving today!
OUR FEATURED CARD LIST
CardRatings’ top picks for gas credit cards
Gas prices are always fluctuating, but one thing’s for sure: they can take a serious bite out of your budget. The good news is, there are credit cards designed to help you save money on every fill-up. By choosing the right gas credit card, you can earn valuable rewards, cash back, or even travel points on your gas purchases. Our experts have compiled the best gas credit cards on the market – see our top picks!
Why we like it
Elevated rewards on not only gas purchases made at U.S. gas stations, but at U.S. supermarkets as well, makes this is winning card in our books. American Express is a CardRatings advertiser.
Elevated rewards on not only gas purchases made at U.S. gas stations, but at U.S. supermarkets as well, makes this is winning card in our books. American Express is a CardRatings advertiser.
- This card offers a whopping 6% cash back on grocery purchases at U.S. supermarkets up to $6,000 spent per year. That works out to a maximum of $360 in cash back if you just max out that opportunity. You can also earn unlimited 3% cash back on transit and gas purchases at U.S. gas stations, among other rewards.
- There is a nice introductory offer of 0% intro APR on purchases and balance transfers for intro_apr_duration from the date of account opening. After that, the rate is RegAPR, based on your creditworthiness.
- The welcome bonus is attractive and can be earned with even moderate spending.
- There is an annual fee to consider. If you don't plan to use the card regularly, it may be hard to offset this.
- This isn't the best card to travel abroad with as it charges a fee on foreign transactions.
Why we like it
This no-annual-fee card offers competitive rewards on everyday spending, with a special focus on gas purchases made at U.S. gas stations. Earn big on your fill-ups and maximize your rewards on online shopping too. It's the perfect card for drivers and savvy spenders.
This no-annual-fee card offers competitive rewards on everyday spending, with a special focus on gas purchases made at U.S. gas stations. Earn big on your fill-ups and maximize your rewards on online shopping too. It's the perfect card for drivers and savvy spenders.
- For everyday purchases, this card is a simple and straightforward option.
- Enjoy flexible redemption options with your cash back rewards. Choose between a statement credit or using them at Amazon.com.
- New cardholders can earn a nice cash-back welcome bonus with this card, in addition to a solid cash-back rewards rate on purchases.
- This card has an annual cap on bonus rewards. If you're a high spender in the bonus categories, you might want to consider a card with no limit.
- Gas rewards are only earned on U.S. gas station purchases, so if you regularly travel abroad, you might be disappointed to learn that you won’t earn bonus rewards on gas purchases made outside of the United States.
Why we like it
If you don’t spend heavily on gas or EV charging purchases all the time, you might like the flexibility that comes with this card. Cardholders can choose from six categories where they’ll earn the most each month, so if you know you have some months where you won’t spend heavily on gas or EV charges, you can rest easy knowing you can get rewarded well in whichever category you might need to spend the most that month.
If you don’t spend heavily on gas or EV charging purchases all the time, you might like the flexibility that comes with this card. Cardholders can choose from six categories where they’ll earn the most each month, so if you know you have some months where you won’t spend heavily on gas or EV charges, you can rest easy knowing you can get rewarded well in whichever category you might need to spend the most that month.
- Tailor your rewards to your spending habits. This card lets you select the category where you earn the most cash back.
- Eligible Bank of America Preferred Rewards clients can earn 25%-75% more cash back with this card.
- You can only change your 3% cash-back category once a month. Unexpected expenses in other categories will only earn 1% back until the next month.
Why we like it
ThankYou® Points sometimes get overlooked in the world of rewards currencies, but these are valuable and flexible points with lots of redemption options. Plus, this card offers excellent rewards-earning for your gas station purchases as well as numerous other everyday purchases. Citi is a CardRatings advertiser.
ThankYou® Points sometimes get overlooked in the world of rewards currencies, but these are valuable and flexible points with lots of redemption options. Plus, this card offers excellent rewards-earning for your gas station purchases as well as numerous other everyday purchases. Citi is a CardRatings advertiser.
- You can receive a $100 statement credit in hotel savings every year on a single stay of more than $500 (excluding taxes and fees) when boked through CitiTravel.com. That more than offsets your annual fee.
- Many everyday-type purchases earn three points per dollar spent, making this card an excellent choice for regular use.
- You can save money when using this card while abroad as it doesn't charge foreign transaction fees.
- While there are a lot of everyday categories in which to earn top rewards, this rewards card doesn't always offer the best value when you redeem your rewards. There is no extra value for redeeming through the proprietary portal, for instance, and the travel partners aren't really the most popular ones out there.
- Keep in mind that there is an annual fee to consider; it's reasonable, but it isn't worth it if you aren't going to more than offset it with your rewards and features. The annual hotel bonus would more than do it if you can take advantage of that.
Why we like it
Attention Costco members! This card gives you bonus rewards on Costco purchases and other everyday spending, so it's a great choice for anyone with a Costco membership. You can earn generous cash back rewards on gas at Costco and other eligible gas and electric vehicle (EV) charging purchases.
Attention Costco members! This card gives you bonus rewards on Costco purchases and other everyday spending, so it's a great choice for anyone with a Costco membership. You can earn generous cash back rewards on gas at Costco and other eligible gas and electric vehicle (EV) charging purchases.
- This card offers excellent cash back rewards on gas purchases, especially at Costco, as well as on other eligible gas and EV charging purchases. You'll also earn strong rewards at restaurants and on travel, including Costco Travel, plus bonus rewards on Costco purchases, both in-store and online. You'll even earn cash back on all other purchases you make.
- Feel free to take this card with you if you travel abroad – you won't be charged a foreign transaction fee.
- Rewards redemption is automatic and only occurs once a year. If you're looking for more flexibility with your rewards, this might not be the best option for you.
Why we like it
This card is a market leader in cash-back rewards, especially for gas! Cardholders earn bonus cash back on eligible gas purchases, plus rewards at restaurants, all up to the quarterly limit.
This card is a market leader in cash-back rewards, especially for gas! Cardholders earn bonus cash back on eligible gas purchases, plus rewards at restaurants, all up to the quarterly limit.
- New cardholders get a cash back match at the end of their first year – doubling your rewards and making it easy to rack up cash back!
- This card offers a valuable intro APR period which could come in handy for some cardholders.
- Get a little breathing room. Discover waives the fee for your first late payment, and your APR won't automatically increase.
- There is a quarterly cap on the amount of bonus rewards you can earn. If you expect your spending in the bonus categories to regularly exceed the cap, a card with a higher limit could be more rewarding.
Why we like it
This is a good option for anyone looking for a balance transfer offer, plus, it's a great card for earning rewards on all purchases, not just gas. Also, this card encourages responsible use with its rewards system, which we appreciate.
This is a good option for anyone looking for a balance transfer offer, plus, it's a great card for earning rewards on all purchases, not just gas. Also, this card encourages responsible use with its rewards system, which we appreciate.
- The balance_transfer_duration_months 0% APR offer is one of the better offers on the market. After the intro a RegAPR APR applies.
- A annual_fees annual fee is always a good place to start a relationship with any card.
- This card offers a delightfully simple 2% cash on all purchases. You get 1% when you make the purchase and another 1% when you pay for them (be sure to make the minimum payment due on time to earn that second 1% back).
- This card doesn't offer an introductory interest rate for purchases.
- To qualify for the bonus cash-back rewards, you need to make at least the minimum payment, on time each month. We actually like this as it encourages good credit card habits, but if you can't make your payments on time you'll want to keep it in mind.
Why we like it
The opportunity to earn solid rewards on your gas purchases plus earning rewards for other common everyday purchases makes this card a winner in our book. Plus, there's a generous introductory APR offer many cardholders are sure to appreciate. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
The opportunity to earn solid rewards on your gas purchases plus earning rewards for other common everyday purchases makes this card a winner in our book. Plus, there's a generous introductory APR offer many cardholders are sure to appreciate. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
- Look at those rewards on everyday purchases! Perhaps the best part is that there aren't spending caps on even the highest rewards categories. That means the sky's the limit for rewards you can earn.
- Enjoy an annual $15 statement credit for select streaming services such as Netflix, Disney+, Apply Music, Spotify and more.
- The rewards for your gas station purchases and EV charging station purchases are solid, but they are about the only "travel" type purchases that earns accelerated rewards. This card is really designed for the person who wants big earning on the things they purchase every day rather than the big trips they take a few times a year.
Why we like it
This is an easy choice with its top-tier rewards for gas station purchases. Add to that there's no annual fee and additional high rewards offered on your supermarket purchases and it's easy to see why we like this for a gas rewards card. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
This is an easy choice with its top-tier rewards for gas station purchases. Add to that there's no annual fee and additional high rewards offered on your supermarket purchases and it's easy to see why we like this for a gas rewards card. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
- When it comes to rewards on gas purchases, very few cards can match this one. You earn five points (5%) on every dollar spent on gas at the pump (fuel for airplanes and boats and made in store via attendant earn one point per dollar spent). For what it's worth, you also earn 5x points on purchases at electric vehicle charging stations.
- This card has a has a good ongoing interest rate, from RegAPR, depending on credit worthiness.
- On top of everything else, PenFed Platinum Rewards Visa Signature® has no annual fee.
- The welcome bonus is not something that will likely generate much excitement. You can earn a modest 15,000 points after you spend $1,500 in the first 90 days of account opening.
- Access to this card is not easy. You need an excellent credit rating to be approved.
Why we like it
A credit card that offers strong rewards on gas station purchases means your day-to-day commute and running around town could bring in some nice rewards, but what if you're planning on doing some driving in a more exotic locale? Many of the cards on this list, especially those considered to be "cash-back" cards, charge foreign transaction fees if you use them while abroad, so filling up that rental car during your vacation in Europe could cost more than you planned. This card, however, is foreign-transaction-fee free and still offers solid rewards-earning opportunities. Plus, it's nice to know you have an option if you're in the fair/average credit range.
A credit card that offers strong rewards on gas station purchases means your day-to-day commute and running around town could bring in some nice rewards, but what if you're planning on doing some driving in a more exotic locale? Many of the cards on this list, especially those considered to be "cash-back" cards, charge foreign transaction fees if you use them while abroad, so filling up that rental car during your vacation in Europe could cost more than you planned. This card, however, is foreign-transaction-fee free and still offers solid rewards-earning opportunities. Plus, it's nice to know you have an option if you're in the fair/average credit range.
- We like things nice and simple. This card offers a flat 1.5% cash back on every purchase. No caps, no categories, no expiration.
- There are no foreign transaction fees to worry about, so feel free to take this card along when you travel abroad or just use it when making online purchases in a foreign currency from the comfort of your own home.
- There's no welcome bonus offer on this card; that's not unusual for a card available to people with fair/average credit, but it could still be disappointing.
- The annual fee isn't high, but it's there and something to consider. Rewards cards for people in the fair/average credit score range aren't easy to come by, though, so the annual fee could very well be worth it.
Why we like it
Rewards cards for people who are new to or rebuilding credit aren't easy to come by. Not only does this card offer rewards, it offers competitive rewards – the kind that you might even find on a non-secured or traditional card.
Rewards cards for people who are new to or rebuilding credit aren't easy to come by. Not only does this card offer rewards, it offers competitive rewards – the kind that you might even find on a non-secured or traditional card.
- When it comes to rewards, cards available to those with limited credit aren't commonly going to offer them. This one, however, offers you 2% cash back on gas station and restaurant purchases up to $1,000 spent quarterly in combined purchases (then, 1%).
- As unusual as rewards are on cards for low/no credit, welcome bonus offers are even more rare. Once again, this Discover card rises to the occasion. Discover will match all the cash back you earn during your first year as a cardholder.
- With responsible use, this card can help you build or rebuild your credit score.
- To establish your line of credit, you need to make a minimum $200 security deposit. That's a healthy chunk of money to come up with up front. If that's going to be a problem, there are other secured cards out there that offer lower security deposit opportunities.
- Discover cards are becoming more widely accepted all the time, but they still lack the reach of a Visa or Mastercard. It's just something to think about, but may not be an issue at all depending on where you normally make purchases.
Why we like it
Simple to understand rewards combined with a stellar bonus opportunity during your first year as a cardholder make this a solid choice for gas rewards (and restaurant rewards, too, for that matter).
Simple to understand rewards combined with a stellar bonus opportunity during your first year as a cardholder make this a solid choice for gas rewards (and restaurant rewards, too, for that matter).
- Student cards aren't necessarily known for great welcome bonus opportunities, but this card is an exception. Matching cash back for new cardholders is what sets Discover cards apart. The card will match, dollar for dollar, all the cash back you've earned during the first year you have the card.
- Another unusual student card feature: an intro 0% APR on purchases for intro_apr_duration (then, RegAPR).
- The $1,000 combined quarterly spending cap on the 2% cash back category of dining and gas isn't terribly high. If you tend to spend more in those categories, another card might be a better choice.
- While their reach is growing, Discover cards are still not as widely accepted as Visa and Mastercard cards. This is especially true outside of the United States.
Why we like it
Costco shoppers, fuel your savings! This card boosts your rewards on gas purchases at Costco and everywhere else, maximizing your savings even further on top of Costco's already low prices. It's a smart choice for businesses already shopping at Costco. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
Costco shoppers, fuel your savings! This card boosts your rewards on gas purchases at Costco and everywhere else, maximizing your savings even further on top of Costco's already low prices. It's a smart choice for businesses already shopping at Costco. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
- Cardholders not only earn bonus rewards on Costco and gas purchases, but in other categories that might be popular with business owners as well.
- This is a good card to travel abroad with as it doesn’t charge foreign transaction fees.
- Speaking of fees, there’s no annual fee if you have a paid Costco membership.
- Rewards are only distributed once annually, once your February billing statement closes. This isn’t idea for cardholders who wish to cash in on rewards at their leisure.
Compare the best credit cards for gas by perks and features
Want to see how our picks for the best gas credit cards stack up against each other? Our comparison tool makes it easy to compare up to threetwo cards at a time. Simply select the cards you’re interested in and we’ll automatically display their key perks and features side-by-side. With a quick glance, you can easily identify the card that best suits your needs and preferences.
Select up to 23 cards to compare side-by-side:
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Compare the best credit cards for gas by user ratings
By analyzing real-world user experiences, we have developed a robust rating system that reflects the performance and value of various credit cards based on consumer insights. This chart allows you to easily compare these ratings side-by-side, enabling informed decision-making based on the feedback of actual cardholders.
How did each of our winning cards rate according to you?
CardRatings commissioned Slice MR in November 2024 to survey 1,666 cardholders nationwide. Responses were given on a scale of 1-10 and respondents’ ratings were then averaged under broad topics.
How did each of our winning cards rate according to you?
CardRatings commissioned Slice MR in November 2024 to survey 1,666 cardholders nationwide. Responses were given on a scale of 1-10 and respondents’ ratings were then averaged under broad topics.
COST EFFECTIVENESS
REWARDS SATISFACTION
CUSTOMER SERVICE
WEBSITE/APP USABILITY
LIKELIHOOD OF CONTINUING TO USE
RECOMMEND TO A FRIEND/COLLEAGUE
Survey results by card
Select a card below to see the results for each card.
Survey methodology: CardRatings commissioned Slice MR in November 2024 to survey 1,666 cardholders nationwide. CardRatings’ website analytics from Jan. 1, 2024-Oct. 31, 2024 were used to determine a selection of the most popular cards. Responses to 10 questions were given on a scale of 1-10. For nine of these questions, respondents’ scores were averaged under broad topics. The overall rating represents an average of respondents’ responses to their overall rating of each card. “Cardholder favorite” cards are those scored in the top 10 overall.
Ask CardRatings’ experts
How can gas credit cards help consumers save?
Cash back credit cards can offer bonus rewards on fuel and other purchases, which can work as a spending "discount" when you redeem rewards for statement credits on your account. Just remember that credit cards only help you save money if you pay your balance in full each month and never pay any interest.
Gas credit can offer savings by earning rewards back on every dollar you spend at the pump. Combine a gas credit card with a gas station’s loyalty program which usually offers a discount on every gallon and the savings can really add up.
Get the right gas card for you. One associated with a specific brand will offer the highest reward rate at that company and give special discounts. Some general purpose cards offer an especially high reward rate on gas purchases. Both can be advantageous, so apply for the one that matches your needs and habits.
Who are gas credit cards a good fit for?
Gas credit cards can be a good fit for anyone who spends a lot of money on fuel each month, whether that's due to driving a larger vehicle with poor gas mileage or having a lengthy commute to get to work.
Gas credit cards are a good fit for road warriors, busy families and anyone else who uses a car frequently and is looking to save money on filling up their tank.
Gas cards can be a perfect fit if you spend a lot of time behind the wheel. By earning substantial rewards at the pump, you'll save money when you redeem the points or use the cash back you earn. They’re not right for everyone, though. If you’re like me, and you drive infrequently or don’t want to always search for a particular station, a general purpose rewards card will likely be the better option.
Our CardFinder tool is also a great way to find the right card for you!
Tired of searching for the right credit card? CardFinder makes it quick and easy. Simply tell us your preferences and we’ll do the heavy lifting. Our three-step process saves you time and effort, so you can spend less time searching and more time enjoying the rewards. Get started today!
Frequently asked questions
What credit score do you need for a gas credit card?
Generally, fair credit or better is needed in order to get a gas credit card. While there are several credit score scales out there, FICO considers a score of at least 580 to fall in the “fair” range. Generally speaking, when you have a better credit score, you have the opportunity to get a gas card that comes with better interest rates, more perks and, often, better rewards. However, people who have fair or even poor credit can still qualify for solid credit cards, but it’s important to keep in mind that these cards might have higher interest rates and fewer rewards. For example, some gas station specific cards may have lower credit score requirements, but the rewards are not as flexible and the cards can only be used at those specific gas stations. Gas station specific cards, in fact, don’t make it on our “best credit cards for gas” list simply because they are limiting.
How to choose a gas credit card
When selecting a gas credit card, consider your spending habits. If you primarily need a card for gas purchases, opt for a card that offers the highest rewards in this category. For broader spending, choose a card that rewards gas, dining, and grocery purchases. Also keep in mind that annual fees can vary. No-annual-fee cards are suitable for occasional users, while annual fee cards often offer premium benefits and higher rewards, but consider if the perks justify the cost.
Like with any type of credit card, the best card for you all depends on your spending habits and expectations of the product. See additional tips for how to choose a gas credit card and more.
Do gas credit cards save money?
Gas credit cards can be a valuable tool for saving money when used strategically and responsibly. By utilizing a card that offers cash back or other rewards on gas purchases, you can offset the total cost of fueling up. As long as you pay your balance in full each month to avoid interest charges, gas cards can help you maximize your savings.
To further enhance your savings, consider the following tips:
In-station purchases: If in-station purchases qualify for rewards, consider buying items in store to maximize your savings potential.
Loyalty programs: Enroll in your local gas station’s loyalty program, such as Fuel Rewards from Shell, Speedy Rewards from Speedway, or Driver Rewards from BP. These programs often offer additional points or discounts on top of credit card rewards.
Eligible gas stations: Ensure that the gas stations you choose are eligible for rewards. Verify that purchases at stations attached to retailers like Walmart or Costco qualify as fuel, not grocery, purchases.
How can I redeem gas rewards from my credit card?
Cashing in on your gas rewards is a simple process, but the exact method can vary depending on your credit card issuer. Some cards automatically apply rewards to your gas purchases, offering an instant discount at the pump. This is most commonly the case with gas station-specific cards. More general gas credit cards typically offer rewards in the form of a statement credit, reducing your overall balance, or as cash back.
How do I maximize my gas rewards?
To maximize your savings, ensure your gas purchases are eligible for rewards and pay your balance in full each month. Additionally, combining credit card rewards with gas station loyalty programs can further boost your savings.
Are gas rewards cards worth it?
A gas rewards card can be a smart choice for frequent drivers. By offering cash back or points on gas purchases, these cards can help offset fuel costs. To maximize your savings, always pay your balance in full and on time to avoid interest charges.
You’ll also want to consider any potential annual fees. If the card’s rewards outweigh the annual cost, it’s a worthwhile investment. But if you’re a casual driver, a no-annual-fee card might be a better fit. Ultimately, the value of a gas rewards card depends on your individual spending habits and financial goals.
Meet the editorial team
Rating methodology: CardRatings experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.
To see the rates and fees for the American Express cards featured in this post, please visit the follow links: CardName (See Rates and Fees); CardName (See Rates and Fees)
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.
