Gas Credit Cards
WalletHub makes it easy to find the best credit card for you.
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: Wells Fargo Propel American Express® 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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- 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.
- 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
Rates & Fees | Terms Apply
- $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.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
- 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
- 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.
- 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
- $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.
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
- 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
- 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.
- 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.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. based customer service.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See More Details & Reviews About TheDiscover it® chrome
- New! Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
- Earn 3X points for eating out and ordering in
- Earn 3X points for gas stations, rideshares and transit
- Earn 3X points for travel including flights, hotels, homestays and car rentals
- Earn 1X points on other purchases
- Select "Apply Now" to learn more about the product features, terms, and conditions
- $0 annual fee
- 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rates and fees
- See More Details & Reviews About TheWells Fargo Propel American Express® Card
- Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
- Earn 2% on your first $3,000 on supermarket purchases per year
- Unlimited 1% cash back on all other purchases
- 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, currently between 13.65% to 27.65%, will apply. This rate will vary with the market based on the prime rate.
- Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.You are not liable for unauthorized purchases.Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
- Enjoy no foreign transaction fees when you travel outside of the United States.
- See More Details & Reviews About TheUSAA® Cashback Rewards Plus American Express® Card
- 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
- 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
- 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
- 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
- NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
- No changing categories and no expiration on rewards
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
- No annual fee
- 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
- Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
- See More Details & Reviews About TheBank of America® Cash Rewards credit 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 | Wells Fargo Propel American Express® Card | 3 points per $1 spent | $0 | Good |
| 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
The best easy approval gas credit card is the Discover it Secured Card. Because it’s secured, bad credit won’t disqualify you. Plus, it doesn’t charge an annual fee and gives you 2% cash back on the first $1,000 you spend on gas and at restaurants (combined) each quarter. And since it’s a cash back card with no restrictions on what gas stations are eligible for rewards earning, it’s one of the most flexible options.
Discover it Secured isn’t the only gas rewards card that’s easy to get. But most other offers require a bit better credit.
Here are some of the best easy approval gas credit cards:
- Discover it Secured Card: No annual fee. 2% cash back at gas stations and restaurants, up to $1,000 spent each quarter. 1% cash back everywhere else. First-year rewards match. $200 minimum refundable security deposit. You can get this card with bad credit.
- Credit One Bank Platinum Visa for Rebuilding Credit: $0-$99 annual fee, depending on your credit history. 1% cash back on gas. 1% back in certain other categories, if not all purchases, depending on which rewards program you get approved for. You can get this card with bad credit.
- Walmart Store Card: No annual fee. 2% rewards for Walmart and Murphy USA gas. 3% back on purchases at Walmart.com and 1% at Walmart. You need fair credit or better.
- Shell Gas Card: No annual fee. 5 cents per gallon discount at Shell gas stations. You can get this card with fair credit.
- Chevron and Texaco Gas card: No annual fee. 3 cents per gallon back at Chevron and Texaco gas stations. You can get this card with fair credit.
- Exxon Mobil Gas Card: No annual fee. 6 cents off every gallon at over 11,000 Exxon and Mobil stations. This card requires fair credit.
- Discover it for Students: No annual fee. 2% cash back on gas and restaurants, up to $1,000 spent per quarter. 1% on all other purchases. Discover matches the cash back you earn year one. $20 gift card each year your GPA is 3.0 or higher. Students with limited credit or better can get this card.
The best easy approval gas card for you will depend on where you fill up and how good your credit is. But no matter what card you get, make sure to pay your bill on time every month. That will help you build credit and qualify for one of the best gas rewards credit cards.
Are gas cards worth it? Reply
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.
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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Reply
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
Are there gas credit cards for bad credit? Reply
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.
Which gas credit cards do people have/recommend? Reply
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.
Featured Credit Cards
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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Philip G. Swicegood
Department Chair & James Family Professor of Finance at Wofford College
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Daniel J. Connolly
Dean, College of Business and Public Administration, Drake University
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John Sedunov
Assistant Professor of Finance in the School of Business at Villanova University
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Alisa Callahan
Professor at Florida SouthWestern State College
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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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