Best Gas Credit Cards

Selected by CardHub Editors from 1,000+ credit cards — Updated August 30, 2016

Sure, gas prices are pretty low these days. But wouldn’t it be nice if a fill-up was even cheaper? It’s hard to say no to savings when we continue to rack up debt by the billions, so a way to reduce the cost of commutes and road trips would, of course, come in handy.

A gas rewards credit card is perhaps the best such tool, but it can be difficult to identify the most lucrative of the bunch, given both the variety and volume of available offers. With that in mind, CardHub compared more than 1,000 credit card offers based on their fees and rewards yield per dollar spent on gas in order to identify the best gas credit cards on the market.

Below, you can find our selections – both for cards affiliated with particular station chains and those offering high earning rates on all gas purchases – followed by tips for choosing the right gas credit card and more ways to save at the pump. Take note that while some of the cards listed below are issued by CardHub advertising partners, advertising status played no role in card selection, which was a purely editorial process.

This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer.

Generic Gas Credit Card

PenFed Platinum Rewards Visa Signature® Credit Card 1,034 reviews

This Pentagon Federal Credit Union credit card offers 5 points per $1 spent on gas purchases (the equivalent of 4.25% cash back, given that 100 points are worth roughly $0.85) in addition to 3 points per $1 in supermarket purchases and 1 point per $1 on everything else. You will have to join PenFed, but anyone can do so for $15.

Generic Gas Credit Card

Blue Cash® from American Express 1 review

After spending $6,500 with this card each year, which the average user would do in about three months, you will earn up to 5% cash back on gas, supermarket and drugstore purchases (up to $50,000) and 1% back on everything else. Before you cross the $6,500 threshold, you will earn 0.5% back on most purchases and 1% in the bonus categories. There is no annual fee.

Generic Gas Credit Card (Military)

USAA Cashback Rewards Plus American Express® Card Proceed 26 reviews

Those who have the military ties to qualify for this card will receive 5% cash back on up to $3,000 in gas and military-base purchases each year as well as 2% back on the first $3,000 spent at supermarkets annually and 1% on everything else. This card has no annual fee.

Generic Gas Credit Card (Costco Members)

Costco Anywhere Visa® Card by Citi Proceed 832 reviews

Costco members will earn 4% cash back on up to $7,000 in gas purchases (made anywhere) each year, 3% cash back on restaurant and travel purchases, 2% cash back at Costco and 1% on everything else. The card itself does not charge an annual fee.

Generic Gas Credit Card

BankAmericard Cash Rewards™ Credit Card 1,020 reviews

This card rewards you with 3% cash back on gas and 2% on groceries for the first $2,500 spent in those categories each quarter, plus 1% cash back on everything else. There's no annual fee, either, and you can get a $100 initial bonus if you apply online.

Generic Gas Credit Card (For Bad Credit)

Discover it® Secured Credit Card 2 reviews

A rare secured credit card that offers rewards, this offer includes 2% cash back on the first $1,000 you spend at restaurants and gas stations each quarter, plus 1% on all other purchases. Better still, Discover will double your first-year earnings. There is no annual fee, but you will have to place a refundable security deposit of at least $200 to open an account.

Station-Affiliated Credit Card

Marathon Credit Card 308 reviews

This card provides a 50-cent rebate (~20.8% cash back) for each gallon of Marathon gas purchased during months that you charge at least $1,000. If you don’t meet that threshold, you’ll still earn $0.30/gal. (~12.5%) for spending at least $500 and $0.10 (~4.16% cash back) otherwise. There is no annual fee.


Choosing The Right Gas Rewards Card

While station-affiliated gas credit cards could offer the most lucrative rewards, they certainly aren’t for everyone. Users can only save on gas purchased at affiliated stations and, in many cases, are required to spend high dollar amounts in order to qualify for the highest rewards earning rates. Therefore, you should only open one if you’re already meeting those requirements or could easily do so without changing their daily habits significantly.

Otherwise, a generic gas credit card may be in order. When it comes to picking between, it’s important to not only compare gas rewards earning rates, but also how the other rewards they offer match up with your biggest expenses. It’s also important to note that you shouldn’t be swayed by cards offering 5% rewards in rotating categories, even if they are listed on other best gas credit card lists. Gas prices are trending upward, and such cards won’t guarantee that you’ll have a competitive earning rate on fuel purchases when the costs are highest. Besides, you’d only benefit as far as gas purchases are concerned for three months of the year, if you’re lucky.

Other Ways To Save

Consumers looking to save even more may also consider using one of the many smart phone applications, like GasBuddy, that help find the cheapest gas station in the neighborhood.

Shopping at certain grocery stores – including Giant, Kroger, and Safeway – can also bring about considerable savings because some offer discounts at affiliated gas station chains (e.g. Shell and ExxonMobil) based on how much you spend at their stores. This is especially powerful when combined with the respective station’s co-branded credit cards, many of which offer pretty good rewards but didn’t make this list because you have to spend a relatively high amount per month in order to get a decent return.

Community Discussion

Ask a question or help others find the best gas credit cards by sharing some tips.

Nov 16, 2015
Photo of Laura M.
Nov 16, 2015
We really like the Blue Cash Preferred card from American Express. The points add up quickly between gas purchases and groceries. I was able to spend the $1000 in a short time which more than paid for the annual fee. The cash has been adding up quickly for us. The card was also really nice because we qualified for a decent interest rate which makes a difference if we need to carry a balance. Right now we are enjoying the 0% introductory interest rate that we received. We are planning on using the cash back for a long weekend away. It is so nice to be rewarded for spending money more
Oct 8, 2015
Photo of Selena E.
Oct 8, 2015
I prefer the PenFed Platinum Rewards Visa Signature Credit Card. The reason is that it offers a bonus of $100 after only $1,500 is spent in first 90 days. They also have a points system that gives back when you spend. You can earn points and use your card on things other than gasoline purchases. The interest rate ranges from 9.99% to 17.99% so that is quite a bit less the average rate being charged today. But the two major selling points for me are that the PenFed card carries no foreign transaction fees and no cash advance fee. So, I would recommend this card to someone that maybe will more
Sep 25, 2015
Photo of Imaan J.
Sep 25, 2015
I have Gas card offered by Walmart. I liked it because it gives me 5% discount on gas purchase and 1% on any other purchases. Only thing, I did not like about this card is customer service. Most of the time, it goes to Philippine, and i do not like it. How are they going to understand. They did not resolve any problems I had. Other thing, it has very high interest rate. It is not problem for me because I pay full amount every time, but I missed couple of times and it costed me so much. So I am thinking to get out of it, and find something more
Oct 3, 2015
Photo of Douglas B.
Oct 3, 2015
The Sallie Mae MasterCard is a great option. It gives you 5% back on the first $250 per month on gas. I have used it at store gas pumps and get the full 5%. It also gives you 5% back at grocery stores which includes Walmart on another $250. Also, 5% back on first $750 on books which includes Amazon (even if you aren't buying books).
I have never had a need to contact customer service. I just charge and pay every month.
Sep 25, 2015
Photo of Kimberly J.
Sep 25, 2015
My husband and I use Blue Cash Preferred from American Express. We both really like it because not only do we receive cash back when we fill up our tanks, we get cash back on just about everything else we buy!
As soon as we signed up, they gave us $150 after we spent $1,000 which more than paid for the $75 annual fee. We get 6% back on groceries, 3% back on gas, and 1% back on other purchases. On top of all of this, for 15 months we get 0% APR on our purchases and any balance transfers.
It was very easy to sign up and we were more
Sep 25, 2015
Photo of Sean L.
Sep 25, 2015
The Blue Cash Preferred Credit Card from American Express is the best on the market! It allows you to get so much cash back at places you purchase at most regularly. The 3% cash back at gas stations is very nice, although it would be better if the gas prices weren't already so low. What really strikes me is the 6% cash back at supermarkets. Food is the most commonly bought item so 6% back is a lot of money saved! It has an annual fee, but if you use it enough in the first three months they award you with one $150! All in all this is a quality Credit Card.
Sep 8, 2015
Photo of Meagan M.
Sep 8, 2015
I absolutely love my Kroger credit card, for the gas feature. Kroger has a rewards card that you can earn points for gas, but with the credit card, I end up earning a lot more points than with just the rewards card. I use the credit card when I go grocery shopping, then can turn around and use the card AND the points at the same time, thus maximizing how much money I'm getting off of gas. I also use it if I'm doing some mild shopping, to help gain some more points to use later for gas, if needed.
Jan 22, 2015
Photo of Teresa A.
Jan 22, 2015
Our business is looking for a gas credit card for two of our employees. We want them to be able to charge gas only at most all gas stations. There are not always several stations to pick from, so a station specific card wold not be feasible. Thank you for your recommendations.