Are gas credit cards worth it?

Gas cards are worth it if you pay your balance in full every month, as they help you save money with rewards or discounts on fuel purchases and $0 fees. It makes sense to consider a gas credit card if you drive frequently or commute to work, especially if you always fill-up at one chain. Keep in mind that gas cards usually charge high APRs, but you can avoid this by paying your balance on time.

Popular Gas Credit Cards That Might Be Worth It for You

There are several different types of gas cards to choose from. Some, like the Shell Gas Card, can be used only for purchases at certain gas stations. Others are co-branded gas credit cards, which offer special perks at partner stations but are accepted by any merchant that takes cards from the affiliated network (e.g. Visa or Mastercard). There are also general rewards credit cards that give extra rewards on gas purchased anywhere.

It’s also worth noting that most gas stations have evolved into convenience stores. This allows people to use their gas credit card not only for fuel but other necessities as well, such as groceries and other small household goods.

Lastly, store-only gas cards are often easier to qualify for than other types of gas credit cards. This can allow people with poor or no credit to establish a good credit history.

While deciding if gas cards are worth it for you, you can check out our picks for the Best Gas Credit Cards. You can also compare gas credit cards using WalletHub's side-by-side comparison tools to help you find the offer that will save the most money.