- They provide discounts on gas.
- You may get rewards for spending money at a certain gas station brand.
- Some gas cards have sign-up bonuses.
- Gas credit cards are accessible to people with a wide range of credit scores.
- Gas credit cards are convenient.
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The best gas credit cards are designed to help maximize your savings and lower the cost of trips to the gas pump. You may be considering a gas credit card if you have a long commute, a vehicle with a low miles per gallon (MPG) rating, or a family that treats you like a taxi.
Gas credit cards may reward you with cash back on gas purchases or offer a set discount per gallon of gas. This guide will explore some of the best-rated gas credit cards, so you can choose the one that works best for you.
The card_name is a solid flat-rate earnings card withย annual fee. Although the 1.5% cash back doesnโt seem impressive at first glance, it becomes more valuable when combined with other rewards cards from Chase that can be redeemed for a far greater value.
This card is recommended for everyday use, whether for doctor copays or big box store purchases. It can be a large earner for cardmembers who want to get the most out of their everyday spending.
Why we like it: When you open a card_name, you can earn between 1.5% and 5% cash back in several different categories as follows: 5% cash back on travel purchased through Chase Unlimited Rewards; 3% cash back on restaurants (including takeout) and drugstore purchases; and 1.5% cash back on all other purchases. Additionally, new cardmembers will get a special offer of 5% cash back at gas and grocery stores on up to $12,000 worth of purchases in the first year. This offer excludes Walmart and Target. Cash back rewards on the card_name donโt expire, so you donโt need to worry about rushing to use them.
Other benefits of the card_name include a intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration and a annual_fees annual fee.
You can find more details on our full review.
Why we like it: With a minimum credit requirement of 580, the card_name is a good choice for those with fair credit. Capital One also provides access to CreditWiseโa tool designed to help you monitor your credit health as you work to strengthen your credit history. Bonus: You donโt even need to have a Capital One product to use CreditWise. In addition, you can earn a flat 1.5% cash back on all purchases, including gas.
You can find more details on our full review.
Why we like it: Families who spend a lot of money at gas stations and grocery stores will appreciate the cash back options with a card_name. The card pays 3% cash back in both categories, making it an ideal choice for those who frequently ferry kids around town or have a growing family to feed. With a annual_fees annual fee (Rates & Fees), cardholders can rest assured that there wonโt be any surprises with this card.
More details can be found in our full review.
$95
Welcome offer: Earn 70,000 bonus ThankYouยฎ Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at Thankyou.com
Rewards rate: Thereโs a long list of rewards available for Citi Strata Premierโ Card holders, including 3% on gas thatโs converted into ThankYouPoints.
Our take: You can use your points to shop online with Amazon and Best Buy, or you can redeem them for gift cards to restaurants, homeimprovement stores, department stores, and more. Thereโs also an option to redeem your points for travel expenses on flights, hotels, andcruises. ThankYou Points donโt expire, and thereโs no limit on the number of points you can earn.
Why we like it: When you sign up for a BPme Rewards Visaยฎ, youโll automatically receive a discount of 50 cents per gallon for the first 60 days after opening the account. After that, youโll get 15 cents per gallon off at all BP and Amoco gas stations. In addition, youโll earn 5% cash back on non-fuel purchases at BP or Amoco stations, 3% on groceries and dining, and 1% on all other qualifying purchases. You can exchange your rewards for cash back, gift cards, account statement credit, or travel experiences.
Why we like it: In addition to a $0 annual fee, PenFed offers numerous benefits for Platinum Rewards Visa Signature cardholders. This includes 5x points earned on gas purchases or EV charging stations. For a driver who spends $500 per month, this would equal 2,500 points per month and 30,000 points per year. You can also earn 3x points on purchases at grocery stores, restaurants, and streaming services, and 1x points on all other purchases. Points can be redeemed for gift cards, travel, shopping, experiencesโeven charitable donations.
Card name | Annual fees | Credit score needed | Bonus rewards |
---|---|---|---|
$0 | Excellent, Good | Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) | |
$39 | Average, Fair, Limited | N/A | |
$0 | Good, Excellent | Earn a $200 statement credit | |
Citi Strata Premierโ Card | $95 | Good, Excellent | Earn 70,000 bonus ThankYouยฎ Points |
$0 | Fair,Average | N/A | |
$0 | Good, Excellent | 15,000 Bonus Points |
When researching the best gas credit cards, we compared some of the top-rated cards in several important categories. Like with any type of credit card, we looked at annual fees and annual percentage rate (APR) to determine the costs of owning each credit card. We also reviewed cash back amounts for purchases at gas stations and looked for any extra benefits, such as a set amount per gallon of gasoline. The resulting list offers a good mixture of options for a wide range of customers.
We asked our experts, who write about hundreds of credit cards each year, to tell us which card they rely on for buying gas. Hereโs what they said.
Introductory Offer:
Card Rewards:
Additional Benefits:
Fees:
The Blue Cash Preferred Card from American Express is my absolute, hands-down favorite gas card. It offers an unlimited 3% back on all gas-station and transit purchases, which I typically just redeem for an easy statement credit. Even better, this card also offers a whopping 6% back on my first $6,000 in grocery store purchases, making it a true winner in terms of typical household expenditures. If you're not sure whether this is the right card for you, the $0 introductory annual fee lets you take it for a test drive (pun intended), so you can see how much you'll actually earn in gas rewards each year before paying anything.
Cash-back cards haven't been part of my rewards strategy until recently. I decided to dive into cash back with the Citi Custom Cashยฎ Card. Earning 5% cash back in our top eligible spending category each month has been incredible so far. Gas stations are one of the eligible categories.
Between my wife and meโand three out of four of our teens who driveโwe spend considerable money at the gas pump each month. We also took full advantage of Custom Cash's extended 0% intro APR offer to finance home projects this year. It's not our primary card, and will probably never earn the top spot in my wallet, especially with a 3% foreign transaction fee. Still, it's been a valuable tool for statement credits on some of our biggest monthly expenses.
When looking for the best gas credit card, there are several considerations youโll want to keep in mind.
If you want to save money on gas without taking out a new credit card, here are two options to consider.
Not sure whether a gas credit card is a good option for you? Learn more about this type of credit card, including how they work, the different types of cards, and the main pros and cons of a gas credit card.
Gas credit cards are designed to help customers save money on gas while bringing return business to a specific gas station brand. Depending on the card, you could get discounts on gas and other purchases, cash back, or other rewards on gas purchases.
You use a gas credit card at the pump the same way you would use any other type of debit or credit card. Most pumps are pre-paid, so you must enter your card before filling up your car. Alternatively, many gas stations let you pay using your phone or smartwatch, so you donโt need your physical card. Depending on the gas station, you might get an instant discount on the per-gallon price or cash back on your monthly statement.
Some gas credit cards can be used for purchases other than gas, while others can only be used at a certain gas station brand.
There are several types of gas credit cards to choose from. Some provide savings on purchases at specific branded gas stations, while others can be used like a traditional credit card. Learn more about these types of cards to determine which is best for you.
All credit cards have benefits and drawbacks, and gas credit cards are no exception. Hereโs a breakdown of the biggest pros and cons of gas credit cards.
By far the biggest benefit of a gas credit card is the savings it offers on gas purchases. If you drive a lot for work (or ferrying your kids around to various activities), you might fill up with gas more than youโd likeโand those purchases add up fast. A gas credit card helps you save money on an unavoidable expense. Depending on the card, you may also get savings on in-store purchases from your chosen gas station chain. Gas credit cards are also convenient, and many gas stations have apps that you can use to pay for your purchases without even needing your physical card.
Like other types of credit cards, gas cards often have sign-up bonuses as an added enticement. Often, youโll be required to spend a certain amount of money on the card within an introductory period, but if you can swing it, you can maximize your rewards earnings in the first few months of using the card.
Finally, gas credit cards may be easier to qualify for. If you have a fair credit score and can qualify for a gas credit card, you can use the card to help boost your credit score.
The main drawback of a gas credit card is a potentially high interest rate compared to other types of credit cards. You can avoid accruing interest by paying off your balance in full each month, but if youโre not able to do that, you could end up paying a lot in interest charges. Gas credit cards often have annual fees, as well, which could negate your savings.
Gas credit cards may also have limited rewards compared to other types of cards. Depending on the card, you may only be offered rewards in the form of money off gas purchases. If you fill up a lot and have another rewards credit card for other purchases, this is probably fineโbut if you want to use one card for multiple types of rewards you might be better off with a traditional rewards credit card. The card issuer may also limit where you can use your card.
Finally, a gas credit card may have caps on how much you can spend when it comes to getting rewards. If you spend more than a set amount in a year, you may no longer qualify for rewards (or the rewards you get may be limited).
By opening one of these gas credit cards, you can enjoy cash back and other rewards just for making purchases you would already be making. Before choosing a card, itโs important to consider annual fees, APR, introductory offers, and the rewards you can earn for purchasing gas and other essential items such as groceries.
Gas credit cards work the same way traditional credit cards do; however, they tend to offer benefits tailored for cardholders who spend a lot of money on gas. For example, they may offer 4% or higher cash back for gas purchases, which can help you decrease your overall costs. Depending on the card, you may be able to redeem cash-back points for gift cards, travel expenses, or cash.
There are two main types of gas credit cards:
Most credit cards offer some form of cash back or points. To earn the most back on gas purchases, look at the fine print of any credit card youโre considering to see how much you can earn back on purchases at gas stations.
A fleet gas card is designed for business use. If the business has a fleet of commercial cars, the driver can use a fleet gas card to fill up at certain gas stations within a predetermined network. Fleet gas cards can also be used to pay for regular maintenance of fleet vehicles, so businesses can keep them running longer.
The information related to Citi Custom Cashยฎ Card has been collected by TIME Stamped and has not been reviewed or provided by the issuer or provider of this product or service.
The information related to Citi Strata Premierโ Card has been collected by TIME Stamped and has not been reviewed or provided by the issuer or provider of this product or service.
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