Gas Credit Cards
WalletHub makes it easy to find the best credit card for you.
Gas credit cards can help you save a lot of money at the pump, whether you’re fueling your daily commute, a long road trip or anything in between. There are several types of gas cards to choose from, too (some offers are from WalletHub partners). Some are affiliated with a particular gas-station chain and only give you bonus gas rewards when you fill up there. Others reward you the same at all stations. Unless you already get gas from a single chain, or can easily begin doing so, we recommend a gas card that rewards you everywhere. If you have to drive out of your way to find a particular station, or if that station charges more than its neighbors, any extra rewards you might earn with a station-specific gas card won’t net you very much. So when considering the gas credit cards listed below, pay close attention to how each card fits your spending habits and lifestyle.
To point you in the right direction, WalletHub’s editors compared all of the gas cards in our database of 1,000+ credit card offers. We evaluated their rewards, fees, rates and approval requirements. And we selected the top cards for different types of applicants.
You can learn more about these offers from WalletHub’s in-depth review of the year’s best credit cards for gas rewards. You can also compare more gas cards below.
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To point you in the right direction, WalletHub’s editors compared all of the gas cards in our database of 1,000+ credit card offers. We evaluated their rewards, fees, rates and approval requirements. And we selected the top cards for different types of applicants.
Here are 2018’s top gas cards:
- Cash Back at Any Station: Blue Cash Preferred® Card from American Express
- Travel: Citi ThankYou® Premier Card
- Costco Members: Costco Anywhere Visa® Card by Citi
- Points at Any Station: PenFed Platinum Rewards Visa Signature® Credit Card
- Military Community: USAA® Cashback Rewards Plus American Express® Card
- Midwest & Southeast Drivers: Marathon Credit Card
You can learn more about these offers from WalletHub’s in-depth review of the year’s best credit cards for gas rewards. You can also compare more gas cards below.
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Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.74% - 25.74% (V)
Rewards Details
- $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
→
0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
→
14.74% - 25.74% (V)
Rewards Details
- $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
- 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- $95 annual fee.
- See More Details & Reviews About TheBlue Cash Preferred® Card from American Express
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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24.74% (V)
Annual Fee
None
Monthly Fee
None
Rewards Rate
1 - 2% Cash Back
Minimum Credit
Limited History
Rewards Details
- Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Additional Info
- No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
- Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
- We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- See More Details & Reviews About TheDiscover it® Secured
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsSee details for transfer fee
Regular APR
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16.74% - 25.49% (V)
Rewards Details
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Enjoy new 5% categories each quarter
- Unlimited 1% cash back on all other purchases - it's automatic
- Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom®
Rates & Fees | Terms Apply
Charge Card
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Balance must be paid in full each month
Regular Rate
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Not Applicable for Charge Cards
Annual Fee
None 1st yr, $195 after
Rewards Rate
1 - 3 points / $1
Minimum Credit
Good
Terms Apply
Apply Now
Rewards Details
- Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
- 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
- $100 Airline Fee Credit. Up to $100 per calendar year for baggage fees and more at one qualifying airline.
- Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
- Terms Apply.
Additional Info
- No Foreign Transaction Fees.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- $0 Intro Annual Fee for the 1st year, then $195.
- See More Details & Reviews About ThePremier Rewards Gold Card from American Express
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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16.24% - 25.24%* (V)
Annual Fee
None 1st yr, $95 after*
Rewards Rate
1 - 3 points / $1
Minimum Credit
Excellent
Rewards Details
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3X Points on Travel, Including Gas Stations
- Earn 2X Points on Dining Out & Entertainment
- Earn 1X Points on All Other Purchases
- 60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- Points Transfer allows you to transfer points to participating airline loyalty programs
Additional Info
- No Foreign Transaction Fees on purchases*
- See More Details & Reviews About TheCiti ThankYou® Premier Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.74% - 25.74%* (V)
Annual Fee
None 1st yr, $99 after*
Rewards Rate
1 - 2 miles / $1
Minimum Credit
Good
Rewards Details
- Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening*
- New: Earn 2 AAdvantage® miles for every $1 spent at gas stations*
- New: Earn 2 AAdvantage® miles for every $1 spent at restaurants*
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
- New: Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
- Enjoy preferred boarding on American Airlines flights*
- Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
Additional Info
- No Foreign Transaction Fees*
- See More Details & Reviews About TheCiti® / AAdvantage® Platinum Select® World Elite™ Mastercard®
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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11.65% - 27.65% (V)
Rewards Details
- Earn 2X points per dollar spent on gas and dining
- Earn one point for every dollar spent on all purchases
- Get 2,500 bonus points with your first purchase
Additional Info
- USAA membership is available to active and former military and their eligible family members
- Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 11.65% to 27.65% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
- Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Visa Auto Rental Collision Damage waiver insurance. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
- See More Details & Reviews About TheUSAA® Rewards™ Visa Signature® Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 12 billing cyclesTransfer Fee: 4% (min $5)
Regular APR
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15.74% - 24.74% (V)
Rewards Details
- 3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
- 1% unlimited cash back on all other purchases
- Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account
Additional Info
- 0% Introductory APR on Balance Transfers for your first 12 billing cycles, then your variable APR will be 15.74% to 24.74% based on your creditworthiness
- No international transaction fees on credit purchases
- No Annual Fee
- Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details
- Available in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, Georgia, West Virginia and North Carolina.
- See More Details & Reviews About TheTRIO® Credit Card from Fifth Third Bank
Purchase Intro APR
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Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
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11.65% - 27.65% (V)
Rewards Details
- Earn 3X points per dollar spent on dining
- Earn 2X points per dollar spent on gas and groceries
- Earn 1X point for every dollar spent on all other purchases
- Get 2,500 bonus points with your first purchase
Additional Info
- USAA membership is available to active and former military and their eligible family members
- Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 11.65% to 27.65% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
- Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Concierge services to assist with whatever you need, whenever you need it. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
- See More Details & Reviews About TheUSAA® Rewards™ American Express® Card
WalletHub's Best Gas Credit Cards
The gas credit card you should get depends largely on your credit score and where you typically fill up. Those factors will determine which cards you’ll be able to qualify for and whether it makes sense to consider cards tied to specific gas station chains. But if you want the best all-around gas card, you can’t go wrong with the PenFed Platinum Rewards Visa Signature® Credit Card. It rewards you well wherever you fill up and has no annual fee. Plus, anyone can join Pentagon Federal Credit Union with a one-time $17 donation. The Blue Cash Preferred® Card from American Express is another good choice, offering bonus cash back at U.S. gas stations, U.S. supermarkets and select U.S. department stores.There are plenty of rewarding gas cards to choose from, though. And the table below will show you how the top offers compare in key categories.
Here Are 2018’s Best Gas Cards
| Best For... | Card Name | Gas Rewards | Annual Fee | Min. Credit Required |
| Cash Back at Any Station | Blue Cash Preferred® Card from American Express | 3% cash back | $95 | Good |
| Travel | Citi ThankYou® Premier Card | 3% points per $1 spent | None 1st yr, $95 after* | Excellent |
| Costco Members | Costco Anywhere Visa® Card by Citi | Up to 4% cash back (up to $7,000 spent per year) | $0 | Excellent |
| Points at Any Station | PenFed Platinum Rewards Visa Signature® Credit Card | 5 points per $1 spent | None | Excellent |
| Military Community | USAA® Cashback Rewards Plus American Express® Card | Up to 5% cash back | None | Good |
| Midwest & Southeast Drivers | Marathon Credit Card | $0.5 to $0.25 per gallon | None | Good |
It’s natural for consumers to simply seek out whichever card offers the most points, miles or cash back. But in reality, whether you’re looking for a gas credit card, an airline credit card, a hotel credit card or another type of rewards card, the offer with the highest on-paper rewards rate won’t necessarily be the most lucrative for you. For example, a card affiliated with a specific gas-station chain might offer the highest cash-back rate, but if it’s inconvenient for you to fill up there, the extra rewards won’t do you much good.
For the full list of what our editors consider to be the most rewarding gas cards on the market right now, check out our Best Gas Credit Cards page.
Questions & Answers
Comparing gas credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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What are the best easy approval gas credit cards? Reply
Ashley Ponts
Jun 28, 2018 • @ashley_ponts
The Discover it Secured is the best. 2% cash back at gas stations, plus it's secured, so you're almost sure to get approved for it.
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Are gas cards worth it? Reply
ROBERT SAMBRICK, FinTech entrepeuner
Aug 9, 2018 • @robsam
For me, gas credit cards offer many advantages. Since most Americans drive, fuel for your vehicle is almost always in demand. Likewise, most gas stations have evolved into convenience stores. This allows purchasers to use their gas credit card not only for fuel but other necessities as well; such as groceries and other small household goods. Lastly, gas cards are often easier to qualify for regular credit cards. This allows those who have poor or no credit to establish a good credit history. They earn points which further reduces my costs when purchasing other goods in the store.
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What fleet gas cards are available?
I'm looking for a company gas card that my employees can only use for gasoline purchases.
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Paddy Sullivan
Apr 26, 2018 • @PaddySully
I think the Sunoco card has the best earning rate - 3 cents per gallon if you purchase 6,000 gallons or more in a month. You can't really beat that and it might be your best option if you like their fuel. You can check it out here https://www.sunocofleetcards.com
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Are there gas credit cards for bad credit? Reply
John S Kiernan, Senior Writer & Editor
Aug 10, 2018 • @John
Most gas rewards credit cards require good or excellent credit for approval. You even need at least fair credit to get a gas card that can only be used at a certain gas-station chain. But that doesn’t mean you’re out of luck.
If you want the convenience of paying at the pump (especially important when it’s cold out or you’re in a hurry), you can simply open a secured credit card. Secured credit cards offer nearly guaranteed approval, given that you are required to place a refundable security deposit which acts as your spending limit. Plus, some secured cards offer rewards from time to time.
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Which gas credit cards do people have/recommend? Reply
James D Richard, B2B Sales
Aug 10, 2018 • @b2bfever
I have a Conoco Personal credit card, and I absolutely love it. As long as I get 45 gallons a month, which is pretty easy for me to do, I automatically get $.05 per gallon, on top of what I earn at my grocery store. It is so easy to use, and the customer service I've received in the past has been awesome.
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Ask the Experts
- What types of people should consider applying for a gas rewards credit card?
- How much higher of a gas rewards earning rate do you think is needed to warrant committing to a particular gas station chain?
- Does it make sense to get a gas rewards credit card when gas prices are low?
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Michal Herzenstein
Associate Professor of Marketing in the Alfred Lerner College of Business & Economics at the University of Delaware
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Alisa Callahan
Professor at Florida SouthWestern State College
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John Sedunov
Assistant Professor of Finance in the School of Business at Villanova University
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Daniel J. Connolly
Dean, College of Business and Public Administration, Drake University
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Philip G. Swicegood
Department Chair & James Family Professor of Finance at Wofford College
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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