The first step in getting a gas card is to check your credit score. This will tell you what types of gas cards you are likely to qualify for. People with good or excellent credit can pick from the best overall credit cards with gas rewards, including cards that are affiliated with a particular network (Visa, Mastercard, or American Express, for instance). People with lower credit scores may be limited to gas cards that work only at one chain of gas stations.
Once you’ve narrowed down your list of possibilities, you can compare their rewards and fees to find the best deal. When you find the right gas card for you, you can apply for it online, over the phone, or via mail, depending on the card. You can usually apply at the gas station, too.
Here’s how to get a gas card:
- Check your credit score. Your score will give you a general idea of which gas cards offer high odds of approval.
- Consider committing to a specific gas-station chain. If you’re loyal to a particular brand, using that gas station’s credit card could provide extra savings.
- Compare cards based on estimated earnings. Calculate how much each card would save you, based on the rewards it provides on the types of purchases you plan to make. You should also take into consideration the fees you’re likely to incur.
- Apply. You can usually apply online, by phone, or via mail. In some cases, you can apply inside the gas station.
It’s important to take personal preference into account when shopping for a gas card. For instance, if you’re loyal to a certain gas station, make sure to apply for a card affiliated with that particular chain. Taking these factors into consideration will help you find the right type of gas card for your needs.
Gas credit cards partnered with a certain chain can be used anywhere if they are on one of the major credit card networks. But they will only provide maximum rewards on fuel purchases at the affiliated gas stations. Many gas stations also offer cards that are not on a major network and can only be used at chain they’re affiliated with. Plus, plenty of credit cards that are not tied to any gas station chain still offer good rewards on gas, too.
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