6 best gas credit cards of December 2023
Gas is an essential and recurring expense for many Americans — which is why adding one of the best credit cards for gas is a great way to maximize these purchases. Whether you’re looking to earn airline miles, credit card points or just cash-back rewards, there are many great options to save at the pump.
At The Points Guy, we’re passionate about helping you earn the best return on the purchases you’re already making, so we’ve curated a list of the best credit cards for gas. Consider adding one of these to your wallet ahead of your next fill-up.
Why Trust Us?
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
Why you can trust The Points Guy
Since 2010, TPG has been dedicated to helping you make informed credit card and travel decisions. We know that credit card rewards can unlock travel that changes lives, and we strive every day to help our readers achieve their financial and travel goals.
In addition to credit cards expertise, we have a variety of industry experts on our editorial team to help every reader make the best travel decisions available. We believe every redemption matters, whether someone is using points and miles to take a dream trip or looking to save money on holiday travel.
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- 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% 6% Cash Back on select U.S. streaming subscriptions
- 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% 3% Cash Back at U.S. gas stations
- 1% 1% Cash Back on other purchases
Why We Chose It
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, including 3% cash back at U.S. gas stations, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express.
Pros
- Multiple bonus categories.
- High earning rates for bonus categories.
Cons
- Capped earning for some bonus categories.
- Foreign transaction fees.
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
- See Rates & Fees
Why We Chose It
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, including 3% cash back at U.S. gas stations, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express.
Pros
- Multiple bonus categories.
- High earning rates for bonus categories.
Cons
- Capped earning for some bonus categories.
- Foreign transaction fees.
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
- See Rates & Fees
Pros
- Multiple bonus categories.
- High earning rates for bonus categories.
Cons
- Capped earning for some bonus categories.
- Foreign transaction fees.
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
- See Rates & Fees
- 3% 3% cash back in the category of your choice
- 2% 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases
- 1% 1% cash back on all other purchases
Why We Chose It
While many credit cards offer bonus points for set categories, the Bank of America Customized Cash lets you maximize your spending based on your lifestyle. You earn 3% cash back in the category of your choice each calendar month — from gas and EV charging stations, online shopping (including cable, streaming, internet, and phone services), dining, home improvement and more — then 2% back on groceries and wholesale clubs (for the first $2,500 combined purchases each quarter) and 1% on everything else. There’s also no annual fee with this card. Read our full review of the Bank of America Customized Cash card.
Pros
- No annual fee.
- Customized bonus category.
- Sign-up bonus.
- Long period for introductory APR.
Cons
- Cap on bonus earning rate.
- Foreign transaction fees.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Why We Chose It
While many credit cards offer bonus points for set categories, the Bank of America Customized Cash lets you maximize your spending based on your lifestyle. You earn 3% cash back in the category of your choice each calendar month — from gas and EV charging stations, online shopping (including cable, streaming, internet, and phone services), dining, home improvement and more — then 2% back on groceries and wholesale clubs (for the first $2,500 combined purchases each quarter) and 1% on everything else. There’s also no annual fee with this card. Read our full review of the Bank of America Customized Cash card.
Pros
- No annual fee.
- Customized bonus category.
- Sign-up bonus.
- Long period for introductory APR.
Cons
- Cap on bonus earning rate.
- Foreign transaction fees.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Pros
- No annual fee.
- Customized bonus category.
- Sign-up bonus.
- Long period for introductory APR.
Cons
- Cap on bonus earning rate.
- Foreign transaction fees.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 1.5% Earn unlimited 1.5% cash back on every purchase, every day
Why We Chose It
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.
Pros
- Unlimited cash back on all purchases.
- Simple earning structure.
- No foreign transaction fees.
- No annual fee.
Cons
- Limited card perks and benefits.
- Lack of bonus categories can limit earning potential.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Why We Chose It
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.
Pros
- Unlimited cash back on all purchases.
- Simple earning structure.
- No foreign transaction fees.
- No annual fee.
Cons
- Limited card perks and benefits.
- Lack of bonus categories can limit earning potential.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Pros
- Unlimited cash back on all purchases.
- Simple earning structure.
- No foreign transaction fees.
- No annual fee.
Cons
- Limited card perks and benefits.
- Lack of bonus categories can limit earning potential.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- 4% 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% 3% cash back on restaurants and eligible travel purchases
- 2% 2% cash back on all other purchases from Costco and Costco.com
- 1% 1% cash back on all other purchases
Why We Chose It
While most store credit cards fail to provide savings for everyday purchases, the Costco Anywhere Visa Card by Citi provides immense value for those who shop for groceries and household products at this popular warehouse store. You’ll not only earn cash back on Costco purchases, but at gas stations and restaurants. In sum, this is a great complementary tool for those who already pay for the annual Costco membership.
Pros
- 4% cash back on eligible gas and EV purchases (on up to $7,000 per year; then 1%), 3% back at restaurants and on eligible travel purchases, 2% back on in-store and online Costco purchases
- Purchase protection
Cons
- Doesn't make sense if you're not a Costco shopper
- Cash back can only be redeemed in the form of a reward certificate
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Why We Chose It
While most store credit cards fail to provide savings for everyday purchases, the Costco Anywhere Visa Card by Citi provides immense value for those who shop for groceries and household products at this popular warehouse store. You’ll not only earn cash back on Costco purchases, but at gas stations and restaurants. In sum, this is a great complementary tool for those who already pay for the annual Costco membership.
Pros
- 4% cash back on eligible gas and EV purchases (on up to $7,000 per year; then 1%), 3% back at restaurants and on eligible travel purchases, 2% back on in-store and online Costco purchases
- Purchase protection
Cons
- Doesn't make sense if you're not a Costco shopper
- Cash back can only be redeemed in the form of a reward certificate
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Pros
- 4% cash back on eligible gas and EV purchases (on up to $7,000 per year; then 1%), 3% back at restaurants and on eligible travel purchases, 2% back on in-store and online Costco purchases
- Purchase protection
Cons
- Doesn't make sense if you're not a Costco shopper
- Cash back can only be redeemed in the form of a reward certificate
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1% Unlimited 1% cash back on all other purchases.
Why We Chose It
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories that change each quarter. You’ll also earn 5% back on travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee. Read our full review of the Chase Freedom Flex.
Pros
- Rotating bonus cash-back categories.
- High bonus earning rate.
- Cellphone protection.
Cons
- Bonus rate must be activated each quarter.
- Foreign transaction fees.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Why We Chose It
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories that change each quarter. You’ll also earn 5% back on travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee. Read our full review of the Chase Freedom Flex.
Pros
- Rotating bonus cash-back categories.
- High bonus earning rate.
- Cellphone protection.
Cons
- Bonus rate must be activated each quarter.
- Foreign transaction fees.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Pros
- Rotating bonus cash-back categories.
- High bonus earning rate.
- Cellphone protection.
Cons
- Bonus rate must be activated each quarter.
- Foreign transaction fees.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
- 5x 5x on travel purchased through Chase Ultimate Rewards®
- 3x 3x on dining.
- 2x 2x on all other travel purchases, plus more.
Why We Chose It
The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
Pros
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
Cons
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
Why We Chose It
The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
Pros
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
Cons
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
Pros
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
Cons
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
- 5% Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
- 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1.5% 1.5% cash back on all other purchases
Why We Chose It
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. Currently, new cardholders can earn an extra 1.5% cash back on all purchases in the first year. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned. There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling the potential value of your cash-back rewards. Read our full review of the Chase Freedom Unlimited.
Pros
- Multiple bonus categories.
- No annual fee.
- Incredible value when paired with a premium Chase card.
Cons
- Limited card perks and benefits.
- Foreign transaction fees.
- Special Offer: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
- Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Why We Chose It
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. Currently, new cardholders can earn an extra 1.5% cash back on all purchases in the first year. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned. There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling the potential value of your cash-back rewards. Read our full review of the Chase Freedom Unlimited.
Pros
- Multiple bonus categories.
- No annual fee.
- Incredible value when paired with a premium Chase card.
Cons
- Limited card perks and benefits.
- Foreign transaction fees.
- Special Offer: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
- Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Pros
- Multiple bonus categories.
- No annual fee.
- Incredible value when paired with a premium Chase card.
Cons
- Limited card perks and benefits.
- Foreign transaction fees.
- Special Offer: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
- Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
- 7X Earn 7X total points for every $1 spent on GM purchases.
- 4X Earn 4X points for every $1 spent on all purchases.
Why We Chose It
The My GM Rewards Mastercard offers substantial value for those who own or are in the market for a GM vehicle, and not much for anyone else.
Pros
- This card offers 7 points for every dollar spent with General Motors, plus 4 points per dollar on all other purchases, for no annual fee.
- You'll get a welcome bonus of 15,000 bonus points after spending $1,000 in your first 3 months.
- You get a $100 statement credit when you spend $1,500 on fuel per calendar year or pay 6 months of your electric bills.
Cons
- GM points are extremely limited, counting only towards General Motors purchases like cars and vehicle service.
- Earn 15,000 bonus points after spending $1,000 in your first 3 months - that's $150 in value when you redeem with GM.
- Earn 4X points for every $1 spent on all purchases, and 7X total points for every $1 spent on GM purchases. Points don't expire as long as your account remains open.
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM.
- Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac.
- Already have a GM vehicle? Use your points toward your GM Financial account, Certified Service, eligible Accessories, and more.
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.
- 0% Intro APR on purchases for the first 9 months; thereafter, variable APR of 20.24% to 29.99%.
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms Apply. Subject to credit approval.
Why We Chose It
The My GM Rewards Mastercard offers substantial value for those who own or are in the market for a GM vehicle, and not much for anyone else.
Pros
- This card offers 7 points for every dollar spent with General Motors, plus 4 points per dollar on all other purchases, for no annual fee.
- You'll get a welcome bonus of 15,000 bonus points after spending $1,000 in your first 3 months.
- You get a $100 statement credit when you spend $1,500 on fuel per calendar year or pay 6 months of your electric bills.
Cons
- GM points are extremely limited, counting only towards General Motors purchases like cars and vehicle service.
- Earn 15,000 bonus points after spending $1,000 in your first 3 months - that's $150 in value when you redeem with GM.
- Earn 4X points for every $1 spent on all purchases, and 7X total points for every $1 spent on GM purchases. Points don't expire as long as your account remains open.
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM.
- Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac.
- Already have a GM vehicle? Use your points toward your GM Financial account, Certified Service, eligible Accessories, and more.
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.
- 0% Intro APR on purchases for the first 9 months; thereafter, variable APR of 20.24% to 29.99%.
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms Apply. Subject to credit approval.
Pros
- This card offers 7 points for every dollar spent with General Motors, plus 4 points per dollar on all other purchases, for no annual fee.
- You'll get a welcome bonus of 15,000 bonus points after spending $1,000 in your first 3 months.
- You get a $100 statement credit when you spend $1,500 on fuel per calendar year or pay 6 months of your electric bills.
Cons
- GM points are extremely limited, counting only towards General Motors purchases like cars and vehicle service.
- Earn 15,000 bonus points after spending $1,000 in your first 3 months - that's $150 in value when you redeem with GM.
- Earn 4X points for every $1 spent on all purchases, and 7X total points for every $1 spent on GM purchases. Points don't expire as long as your account remains open.
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM.
- Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac.
- Already have a GM vehicle? Use your points toward your GM Financial account, Certified Service, eligible Accessories, and more.
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.
- 0% Intro APR on purchases for the first 9 months; thereafter, variable APR of 20.24% to 29.99%.
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms Apply. Subject to credit approval.
Comparing the best credit cards for gas
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| Credit card | Intro offer | Earning Rate | Annual Fee | |
|
Earn $250
|
1 - 6% cash-back
1 - 6% cash-back
details
|
$0
intro annual fee for the first year, then $95. |
||
|
$200
|
1 - 3% cash-back
1 - 3% cash-back
details
|
$0 | ||
|
$200
|
1.5 - 5% cash-back
1.5 - 5% cash-back
details
|
$0 | ||
|
N/A
|
1 - 4% cash-back
1 - 4% cash-back
details
|
$0 | ||
|
$200
|
1 - 5% cash-back
1 - 5% cash-back
details
|
$0 | ||
|
60,000
bonus points |
2 - 5X points
2 - 5X points
details
|
$95 | ||
|
Special Offer: Unlimited Matched Cash Back
|
1.5 - 5% cash-back
1.5 - 5% cash-back
details
|
$0 | ||
|
15,000
points |
4 - 7X points
4 - 7X points
details
|
$0 |
Frequently asked questions
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For the typical U.S. household, gasoline purchases are the ninth-largest categorized expense for credit card spending in a typical year.
You probably shouldn’t make gas rewards your only priority when choosing your next credit card, but it’s an important factor if you’re driving the family around regularly. As always, your best bet is to find a card that offers great bonus category rewards on the spending you do most frequently, so if gas is a major part of your budget, make sure you consider at least one of the credit cards on this list.
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It’ll be no surprise to hear that gas credit cards reward those who use them when they fill up their vehicles at gas stations.
The best gas credit cards offer at least a 3% return in rewards on gas purchases and aren’t usually affiliated with any specific gas retailer meaning there are no brand or location restrictions on your cash back or points earning. These cards also often have perks for spending in other categories like groceries, travel and leisure.
Related: How to save money on gas
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More details on our best credit cards for gas rewards
Blue Cash Preferred Card from American Express
Gas rewards: Earn 3% cash back at U.S. gas stations.
Other rewards and perks: Earn 6% cash back at U.S. supermarkets (on up to $6,000 per calendar year in purchases, then 1%) and 6% back on select U.S. streaming services. Earn 3% back on transit (parking, tolls, ride-share, subway, etc.) and 1% back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.
Annual fee: $0 intro annual fee for the first year, then $95 (see rates and fees).
Estimated annual cash back/points from gas spending: $62.82.
Keep in mind: This is a cash-back card, so there’s no opportunity to earn valuable Amex Membership Rewards points, but 3% in cash back on gas purchases isn’t bad. However, when it comes to earning gas rewards, not all stores are treated equally. American Express says “superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations” — places that tend to have lower gas prices — and won’t earn bonus cash back.
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Official application link: Amex Blue Cash Preferred.
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Bank of America Customized Cash Rewards credit card
Gas rewards: Earn 3% cash back in a category of your choice, including gas and EV charging station purchases, for the first $2,500 spent each quarter. Note that the $2,500 quarterly cap applies to both your 3% choice category and the 2% back on grocery store/wholesale club purchases (then an unlimited 1% cash back applies to all other purchases).
Other rewards and perks: Earn 2% at grocery stores and wholesale clubs (on up to $2,500 spent per quarter on combined choice category, grocery store and wholesale club purchases, then 1%) and 1% on everything else. 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 Bank of America Preferred Rewards® member, you can increase that bonus to 25%-75%.
Sign-up bonus: Earn a $200 online cash-rewards bonus after you spend $1,000 in the first 90 days of account opening.
Annual fee: $0.
Estimated annual cash back/points from gas spending: $62.82.
Keep in mind: You can earn tiered relationship bonuses in Bank of America’s Preferred Rewards program based on the amount of money you have on deposit in your qualifying Bank of America and/or Merrill investment accounts. You’re eligible for a percentage-based bonus of base rewards points you earn once you have at least $20,000 in assets at the bank.
Here’s how the tiers work:
- Gold status earns a 25% rewards bonus and requires combined balances ranging from $20,000 to $50,000.
- Platinum status earns a 50% rewards bonus and requires combined balances ranging from $50,000 to $100,000.
- Platinum Honors status earns a 75% rewards bonus and requires a combined balance of more than $100,000.
The rewards tier you qualify for will be based on your three-month average combined balances in your qualifying accounts, so your status could change as you deposit and withdraw money from your accounts.
___________________________________________________________________________
Official application link: Bank of America® Customized Cash Rewards credit card.
___________________________________________________________________________
Costco Anywhere Visa Card by Citi
Gas rewards: Earn 4% cash back on eligible gas for the first $7,000 per year (1% thereafter).
Other rewards and perks: Earn 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com and 1% cash back on all other purchases.
Sign-up bonus: None.
Annual fee: $0 with your paid Costco membership.
Estimated annual cash back/points from gas spending: $83.76.
Keep in mind: You have to be a Costco member to be eligible for this card, and although this is a cash-back card, you can’t earn statement credits or redeem your rewards at any time. Instead, you’ll receive a reward coupon annually, redeemable for cash or merchandise at U.S. Costco warehouses.
___________________________________________________________________________
Official application link: Costco Anywhere Visa by Citi.
___________________________________________________________________________
Chase Freedom Flex
Gas rewards: The Chase Freedom Flex card awards 5 points per dollar on rotating quarterly bonus categories (up to $1,500 quarterly max), 5 points per dollar on travel purchased through Chase Ultimate Rewards, 3 points per dollar on drugstores and dining and 1 point per dollar elsewhere. Each year tends to offer a gas bonus in at least one quarter.
Welcome offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months of account opening.
Annual fee: $0.
Estimated annual cash back/points from gas spending: This will vary based on the rotating 5% bonus categories in the year.
Keep in mind: The Freedom Flex is technically a cash-back credit card, but you can transfer your earnings into the account of an Ultimate Rewards credit card — such as the Chase Sapphire Preferred Card or the Chase Sapphire Reserve. If you do that, these rewards convert into Ultimate Rewards points, which are worth 2 cents each according to TPG’s latest valuations. If you use the points via the Chase travel portal, Ultimate Rewards points are worth 1.25 cents when used in combination with the Sapphire Preferred and 1.5 cents with the Sapphire Reserve.
___________________________________________________________________________
Official application link: Chase Freedom Flex.
___________________________________________________________________________
Chase Freedom Unlimited
Gas rewards: Earn 1.5% cash back on all non-bonus expenses, including gas stations.
Other rewards and perks: Earn 5% on travel purchased through Chase Ultimate Rewards and 3% on dining and drugstore purchases, 1.5% elsewhere.
Sign-up bonus: Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned. There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
Annual fee: $0.
Keep in mind: Although the Freedom Unlimited is a cash-back credit card, you can transfer your earnings into the account of an Ultimate Rewards credit card you hold — such as the Chase Sapphire Preferred Card or the Chase Sapphire Reserve — to convert your rewards into Ultimate Rewards points, which are worth 2 cents each according to TPG’s latest valuations. This is due to the program’s terrific transfer partners such as United and Hyatt. But when you use your points to book travel within the Chase travel portal, Ultimate Rewards points are worth 1.25 cents when used in combination with the Sapphire Preferred and 1.5 cents with the Sapphire Reserve.
___________________________________________________________________________
Official application link: Chase Freedom Unlimited.
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Amex EveryDay Preferred Credit Card from American Express
Gas rewards: Earn 2 points per dollar at U.S. gas stations.
Other rewards and perks: Earn 3 points per dollar at U.S. supermarkets on up to $6,000 per year in purchases, then 1 point per dollar; and 1 point per dollar on all other eligible purchases. Use your card 30 or more times on purchases in a billing period and earn 50% more points on those purchases.
Welcome offer: Earn 15,000 Membership Rewards points after you make $1,000 in purchases in your first three months.
Annual fee: $95.
Estimated annual cash back/points from gas spending: 4,188 points valued at $125.64 (if you make 30 or more transactions each month).
Keep in mind: Because this card is part of the Amex Membership Rewards program, points are worth more than the standard 1 cent each you find on most cash-back cards. According to TPG’s latest valuations, Membership Rewards points are worth 2 cents apiece, thanks to the array of valuable transfer partners. That means for every dollar spent at a gas station, you’ll earn 2x, worth a total of 4 cents. If you hit 30 monthly transactions, those 2 points per dollar spent turn into 3 points per dollar spent, worth 6 cents. This makes the EveryDay Preferred card among the most valuable options for gas purchases.
The information for the Amex EveryDay Preferred Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
PenFed Platinum Rewards Visa Signature Card
Gas rewards: Earn 5 points per dollar at the pump.
Other rewards and perks: Earn 3 points per dollar on groceries and 1 point per dollar on all other spending.
Sign-up bonus: Earn a $100 statement credit when you spend $1,500 within the first 90 days.
Annual fee: $0
Estimated annual cash back/points from gas spending: 10,470 points worth $89 to $132.97
Keep in mind: You must be a member of the Pentagon Federal Credit Union to qualify for this card, and everyone is now eligible to apply for membership since PFCU has an open charter with no military affiliation required. All members must open and maintain a savings account with at least $5.
Points may be redeemed for rewards only, including airfare and hotel stays. Based on previous reporting, points are worth as little as 0.85 cents each when redeemed for gift cards and as much as 1.27 cents apiece when put toward hotel bookings. A minimum balance of 1,000 points is required for redemptions.
Americans typically spend a lot of time in their cars — so much time that gasoline purchases usually make up 3.3% of annual household expenses. That may not sound like much, but it means that the typical family spends about $2,094 each year on gas, according to consumer expenditure data from the Bureau of Labor Statistics.
And even though gas prices have fallen in recent months, it’s still a major cost, so it’s critical to save money in any way you can.
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Using the metrics for our best cash-back credit cards and best travel credit cards to use at the pump, TPG found nine consumer credit cards that offer solid returns of 3% or more in rewards on gas spending. Here is a list of our top picks:
Best gas credit cards of 2023
- Chase Freedom Flex: Best for rotating bonuses
- Blue Cash Preferred® Card from American Express: Best for families
- Amex EveryDay® Preferred Credit Card from American Express: Best for earning Amex points
- Chase Freedom Unlimited®: Best for earning Chase points
- Costco Anywhere Visa® Card by Citi: Best for Costco members
- Hilton Honors American Express Surpass® Card: Best for road trips
- Bank of America® Customized Cash Rewards credit card: Best for tiered rewards
- PenFed Platinum Rewards Visa Signature Card: Best for credit union members
The information for the PenFed Platinum and Amex Everyday Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
If you’re a small-business owner — or operate your own business on the side — you may want to consider business credit cards such as The Blue Business® Plus Credit Card from American Express or the Ink Business Cash Credit Card, both of which offer returns of about 4% on your gas spending (based on TPG valuations). But this analysis focuses on personal cards, so let’s look into the best consumer credit cards to have when you’re at the gas station, compared and ranked by what you’ll earn per dollar spent:
| CREDIT CARD | CATEGORY BONUS | POINT VALUE OF CURRENCY* | TOTAL EARNED PER DOLLAR SPENT | ANNUAL FEE |
| Chase Freedom Flex | 5% quarterly rotating categories, on up to $1,500 max, then 1%. | 2 cents. | 10 cents***. | $0. |
| Blue Cash Preferred® Card from American Express | 3% cash back at U.S. gas stations. Terms apply. | N/A (cash back). | 3 cents. | $0 intro annual fee for first year, then $95 (see rates & fees). |
| PenFed Platinum Rewards Visa Signature Card | 5 points per dollar on gas purchases. | 0.85 to 1.27 cents**. | 4.35 to 6.35 cents. | $0. |
| Amex EveryDay® Preferred Credit Card from American Express | 2 points per dollar at U.S. gas stations (50% points bonus when you make 30 or more purchases with your card in a billing period). Terms apply. | 2 cents. | 4 to 6 cents, depending on the points bonus. | $95. |
| Chase Freedom Unlimited® | 1.5% cash back on spending | 2 cents. | 3 cents***. | $0. |
| Costco Anywhere Visa Card by Citi | 4% cash back on eligible gas worldwide (for the first $7,000 in purchases per year, then 1%) | N/A (cash back). | 4 cents. | $0 (with your $60 Gold Star Costco membership). |
| Hilton Honors American Express Surpass® Card | 6 points per dollar at U.S. gas stations (among other 6 points per dollar categories). Terms apply. | 0.6 cents. | 3.6 cents. | $150 annual fee (see rates & fees). |
| Bank of America® Customized Cash Rewards credit card | 3% cash back (for the first $2,500 spent per quarter on a category of your choice, including gas, 1% thereafter). | N/A (cash back). | 3 cents. | $0. |
*Bonus value is an estimate based on TPG’s monthly valuations and not the card issuer.
**TPG does not assess the value of PenFed points, however PenFed has provided examples to us that indicate points are worth 0.85 cents toward gift cards, and perhaps a little more for merchandise. When booking travel, points are worth around 0.85 to 0.90 cents each for air travel, but as much as 1.27 cents toward hotel bookings, with many hotel reservations returning about 1.18 cents in value per point redeemed.
***Cash back may be converted to more valuable points only when paired with a card that earns Ultimate Rewards points.
Let’s look into each card individually, including an analysis of the value of gas rewards earned over the course of a year.
Tips for picking the best gas rewards card
Picking the best gas reward card isn’t a one-size-fits-all situation. As is always the case when deciding which card to take out, it comes down to picking a card (or cards) that will provide you with the most value given your own personal circumstances.
For example, if you stay in hotels often, the Hilton Honors American Express Surpass card might be a good option for you as it earns 6 Hilton Honors bonus points per dollar spent on eligible purchases at U.S. gas stations as well as U.S. restaurants and U.S. supermarkets. The reward is doubled to 12 points per dollar spent on stays and eligible spend at Hilton properties.
On the other hand, if you could do with some extra cash, focus your attention on cards with no annual fee. Or, check to see which cards cash back as a sign up bonus like the Chase Freedom Unlimited.
Related guides
- Best travel credit cards
- Best airline credit cards
- Best dining credit cards
- Best credit cards for everyday spending
- Best credit cards for entertainment spending
Featured image by Pramote Polyamate/Getty Images
For rates and fees of the Blue Cash Preferred Card, please click here.
For rates and fees of the Hilton Surpass Card, please click here.
