Gas Credit Cards

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.

The best credit card for gas and groceries is the Blue Cash Preferred Card from American Express. There’s no annual fee, and you’ll earn $200 back for spending $1,000 during your first three months of card membership. You also get 6% cash back on $6,000 spent at supermarkets per year, 3% at gas stations and eligible department stores, and 1% everywhere else.

And if you shop online or at wholesale clubs, the Amazon and Costco credit cards are both strong options. The Amazon Visa offers 5% back at Whole Foods for Prime members (3% if you don’t have Prime), and 2% on gas. With the Costco Visa, you’ll get 2% back at Costco and 4% back at gas stations. But if none of those are quite right for you, there are other options available.

Here are the best credit cards for gas and groceries:

• Blue Cash Preferred Card from American Express: 6% back on $6,000 spent on groceries per year, and 3% back on gas.
  No annual fee. $200 for spending $1,000 within three months of opening your account. 3% back at eligible department stores, 1% everywhere else. Excellent credit required.
• Costco Anywhere Visa: 2% back at Costco, and 4% back on gas.
  No annual fee, but the card is only available to people with a Costco membership, which costs $60+. 3% on restaurant and travel purchases, 2% at Costco and Costco.com and 1% everywhere else. Excellent credit required.

• Amazon Visa Credit Card: 5% back at Whole Foods for Prime members (3% otherwise), and 2% back on gas.
  No annual fee, but Prime costs $99 a year. 5 points per $1 at Amazon.com for Prime members (3 for non-members), and 1 point per $1 everywhere else. $50 Amazon gift card when you get approved. Good credit required.

• PenFed Platinum Rewards Visa Signature Credit Card: 5% back on gas, and 3% back on groceries.
  No annual fee. $100 statement credit for spending $1,500 in your first 90 days. 1% back  everywhere else. Excellent credit required. Anyone can join PenFed with a one-time $17 donation.
• SunTrust Cash Rewards Credit Card: 5% back on $6,000 in gas and groceries the first 12 months. 2% back on gas and groceries after that.
  No annual fee. 1% back on all other purchases. Excellent credit required.

The best credit card for gas and groceries is Amex Blue Cash Preferred. But since gas and groceries are some of the most common expenses, it’s a popular combination, and there are options for every credit level. For example, Capital One QuicksilverOne is good for limited credit. And the SunTrust Secured Credit Card works for folks with bad credit.

When it comes to fleet gas cards, 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.

Just about all gas station credit cards can be gas credit cards with instant approval. When you can apply online, it’s almost always possible to receive instant approval (or denial). But issuers never guarantee an instant decision. You’re likely to receive one if you apply for one of the easiest gas cards to get. And in general, your chances for instant approval are high if you apply for a card where your credit score exceeds the minimum required.

But issuers consider many factors on an application, such as income, number of recent credit inquiries, past bankruptcies and more. So it’s always possible an issuer will need more time to come to a decision. And the approval process may take longer if the issuer cannot immediately verify the personal information on the application.

Best Gas Credit Cards for Instant Approval:

• Discover it® Secured
• Walmart® Store Card
• Costco Anywhere Visa® Card by Citi
• Blue Cash Preferred® Card from American Express
• Marathon Credit Card
• BP Credit Card
• Shell Credit Card

Again, just about any gas credit card offers instant approval. But that doesn’t necessarily mean you’ll get it. Factors that will increase your likelihood of getting instant approval for any credit card include: a high credit score, a high income, and completely correct and up-to-date information on your credit card application.

The best Wawa fleet card is the Wawa Universal Fleet Fuel Card because it’s accepted anywhere WEX cards are accepted, not just Wawa gas stations. You can use the Wawa Universal Fleet card at 95% of all U.S. retail fueling locations.

Currently, Wawa only offers two fleet cards, the Universal Card and the standard Wawa Fleet Card.  The Wawa fleet cards do not offer any discounts on gas. Instead, they simply provide your drivers with a way to pay at the pump, and give you the ability to monitor spending. In light of that, there are better fleet cards out there that can help your company save on every gallon of gas when your drivers fuel up.

Wawa Fleet Cards for 2020:

Wawa Universal Fleet Fuel Card: Accepted at 45,000 service merchants nationwide, including 550+ Wawa locations.

Wawa Fleet Card: Accepted at 550+ Wawa locations in Delaware, Florida, Maryland, New Jersey, Pennsylvania, and Virginia.

Both Wawa fleet cards provide detailed monthly reports on your vehicle fleet’s activity. They also have security features that let you monitor drivers’ behavior and spot unauthorized spending. The Wawa Fleet cards even allow you to choose whether you want to revolve the credit balance or pay in full each month.

If you’re not managing a fleet of drivers and just want to save on Wawa gas, check out the Wawa credit card. You’ll save 25 cents per gallon the first 2 months, and 5 cents per gallon after that. It also has a $0 annual fee and accepts applicants with fair credit.