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Gas Credit Cards

There are two major types of gas cards: gas store cards and gas credit cards. Gas store cards do not bear the Visa or MasterCard logo and can only be used at the station to which they are affiliated. Gas credit cards can be used anywhere Visa or MasterCard is accepted and provide additional rewards on gas purchases. Only gas credit card offers are listed on this page, as they provide more convenience and usually better rewards (some of these offers originate from CardHub advertising partners).

When comparing these cards, keep in mind that an additional distinction exists even…show more

    3.5 1,152 reviews

    Blue Cash Everyday® Card from American Express


    american express blue
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    • Annual Fee None
    • Rewards Rate 1 - 3% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Everyday® Card from American Express
    4 1,852 reviews

    Chase Freedom®


    chase freedom
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Named a Best Card for Cash Back by MONEY® Magazine
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
    • Unlimited 1% Cash Back on every purchase
    • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
    • You’ll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
    • Additional Info
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
    • No annual fee and rewards never expire as long as your account is open
    • See More Details & Reviews About The Chase Freedom®
    3 919 reviews

    Barclaycard® Rewards MasterCard®


    barclaycard credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 24.99% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus None
    • Minimum Credit Fair
    • Rewards Details
    • 2X cash back rewards on purchases for gas, groceries and utilities
    • 1X cash back rewards on all other purchases
    • Cash back rewards are earned as points which can be redeemed for rewards such as cash back statement credits and gift cards starting at 1,000 points for $10
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • Complimentary FICO® Credit Scores as a benefit to active card members
    • No annual fee.
    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
    • See More Details & Reviews About The Barclaycard® Rewards MasterCard®
    4 988 reviews

    Blue Cash Preferred® from American Express


    american express blue cash preferred
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99% (V)
    • Annual Fee $75
    • Rewards Rate 1 - 6% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
    • Terms and limitations apply.
    • Additional Info
    • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Preferred® from American Express
    4 157 reviews

    American Express ® Premier Rewards Gold Card


    american express premier rewards gold card
    • Charge Card Balance must be paid in full each month
    • Regular Rate Not Applicable for Charge Cards
    • Annual Fee None 1st yr, $195 after
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 25,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 25,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 3 months
    • New: 2X points at U.S. restaurants
    • Earn 3X points for flights booked with airlines. Earn 2X points at US gas stations. Earn 1X points on other purchases. Terms and limitations apply
    • New: $100 Airline Fee Credit. Up to $100 a year for incidental fees with your selected airline
    • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges any time you use your Card to book a stay of at least two consecutive nights
    • Terms and limitations apply
    • Additional Info
    • New: There are no foreign transaction fees with your Premier Rewards Gold Card
    • $0 Intro Annual Fee for the 1st year, then $195
    • See More Details & Reviews About The American Express ® Premier Rewards Gold Card
    3 3,029 reviews

    Credit One Bank® Credit Card with Gas Rewards


    credit one credit card
    • One-Time Fees None
    • Regular Rate 17.90% - 23.90% (V)*
    • Annual Fee $35 - $99
    • Monthly Fee None
    • Minimum Credit Bad
    3.5 252 reviews

    Citi® Hilton HHonors™ Visa Signature® Card


    hilton hhonors visa credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.24% - 19.24% (V)
    • Annual Fee None
    • Rewards Rate 2 - 6 points / $1
    • Rewards Bonus 75,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Limited Time: Earn 75,000 Hilton HHonors Bonus Points after making $2,000 in purchases within the first 3 months of account opening*
    • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio.*
    • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations*
    • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases*
    • Enjoy the benefits of HHonors Silver status as long as you are a cardmember*
    • Additional Info
    • No annual fee.*
    • See More Details & Reviews About The Citi® Hilton HHonors™ Visa Signature® Card
    4 255 reviews

    Citi ThankYou® Premier Card


    citi thankyou premier
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 13.99% - 22.99% (V)
    • Annual Fee None 1st yr, $95 after
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 50,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening - redeemable for $500 in gift cards, $625 for airfare, or other great rewards.
    • Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
    • ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
    • No foreign transaction fees on purchases
    • Points do not expire and earn unlimited ThankYou Points
    • Additional Info
    • Annual Fee: $95 (fee waived for the first 12 months)
    • See More Details & Reviews About The Citi ThankYou® Premier Card
    3 34 reviews

    Amex EveryDay® Preferred Credit Card from American Express


    amex everyday preferred credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99% - 21.99% (V)
    • Annual Fee $95
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 15,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
    • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply
    • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply
    • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com
    • Terms and limitations apply
    • Additional Info
    • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors
    • See More Details & Reviews About The Amex EveryDay® Preferred Credit Card from American Express
    3.5 171 reviews

    U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card – 20,000 Bonus FlexPoints


    flexperks credit card
    • 0% Purchases 12 months
    • 0% Transfers 12 months3% Transfer Fee
    • Regular Rate 13.99% - 23.99% (V)
    • Annual Fee $0 intro for the first year, then $49*
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 20,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 20,000 enrollment FlexPoints after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening
    • Earn one FlexPoint for every $1 of eligible net purchases charged to your Card
    • Earn two FlexPoints for every $1 spent on gas, grocery or airline net purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses
    • Earn Triple FlexPoints on eligible charitable donations*
    • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
    • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
    • Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel or many other rewards
    • Additional Info
    • *No Foreign Transaction Fees (based on creditworthiness)
    • Subject to credit approval
    • See More Details & Reviews About The U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card – 20,000 Bonus FlexPoints
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    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
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    Expert’s Answers

    Should I simply get the gas card with the highest rewards?

    By: Odysseas Papadimitriou, CardHub CEONo. It’s natural for consumers to simply look for the card offering the best rewards, but in reality, whether you’re looking for a gas rewards credit card, an airline credit card, a hotel credit card, etc., the card with the highest on-paper rewards won’t necessarily be the most lucrative for you. For example, if you get a Citgo Gas Credit Card because it may offer the highest cash back rate but it’s inconvenient to fill up at a Citgo station, it will probably be less rewarding than a generic gas rewards card because, in the long run, you won’t end up using it often enough.

    Do I need to drive a certain amount for gas rewards credit cards to be worth it?

    By: Odysseas Papadimitriou, CardHub CEOYes. According to the Island Approach, you should get rewards credit cards that have benefits that match your top 2-3 spending categories. This way you can maximize your rewards without ending up with a million different credit cards in your wallet. Besides, if you only spend a relatively small amount on gas each month, a gas rewards credit card really wouldn’t do much for you. Say, for example, you only spend $50 a month on gas. Even if you get a gas rebate credit card offering 5% cash back, you’d only be saving $24 per year relative to a standard cash back credit card offering 1% across all purchases. That’s probably not worth the hassle (definitely not if an annual fee is involved). Ultimately, as a good rule of thumb, you need to spend more than $200/mo. for a gas card to be worthwhile.

    Can I get a gas credit card with bad credit?

    By: Odysseas Papadimitriou, CardHub CEOMost rewards credit cards of any real value--gas cards included--require at least good credit for approval. Still, 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 boast essentially guaranteed approval, given that you are required to place a security deposit in opening one. The security deposit is fully refundable and acts as your credit line. As a result, not only will it be difficult to spend beyond your means, but you also benefit from the flexibility that comes with being able to increase your available credit at any time by simply adding to your deposit.

    Things to know before using your gas credit card

    By: Odysseas Papadimitriou, CardHub CEOHave you ever noticed that when you use a credit card to buy gas, the transaction gets approved or denied before you actually start filling up your car? If not, it’s definitely something to consider, especially for people with low credit limits and those who have opted-in for the ability to go over their credit limit. Credit card companies, unsure about how much your gas purchase will cost, preemptively block off a certain amount of available credit. While each issuer has its own policy when it comes to these “blocks” (also known as holds), you’d have to assume that most credit card companies would block off enough money to cover the cost of filling up the tank of an average-sized car with regular gas. Depending on the price of gas, you should therefore make sure to have at least $50 - $60 in available credit or your purchase might get declined. Similarly, you might end up buying more gas than the amount of the hold, which could bring you over your credit line and result in over limit fees if you are using a business credit card or have opted-in for the ability to go over limit on a general-use credit card. Finally, be aware of the fact that even if you only purchase a small amount of gas, the difference between this amount and the amount of available credit initially blocked off might not get released for use for up to three days. This could certainly disrupt your ability to make purchases following your trip to the pump.

    On another note, some gas stations may charge different prices depending on whether customers pay with cash, credit or debit. This could easily wipe out any savings garnered from your gas credit card, so keep an eye out.

    Are there ways to complement my gas credit card rewards?

    By: John Kiernan, Personal Finance EditorUsing a gas credit card is merely one of the ways that you can save on fuel consumption. In addition to this, you can use a website like GasBuddy, which identifies the lowest gas prices in your area. Many supermarkets also have loyalty programs that allow you to earn gas rebates based on your spending. Opening the gas reward credit card tied to the same gas station as your supermarket loyalty program therefore also represents a great way to save extra.

    Community Discussion

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

     
    Aug 4, 2015
    By:
    A gas card can provide significant benefit because the thing that most Americans have is a car which needs fuel to run. An average American spends a lot of money on gas and would love it to get cash back. By getting money back more Americans would feel happy knowing they will get money for filling up their car on a daily basis.
    Jul 12, 2015
    By:
    I'm a big fan of gas rewards cards, we all drive, we might as well get compensated for it. I myself drive an hour commute to and from work everyday, so being able to fill up my tank with my Amex EveryDay card and see a little kickback has been a true blessing.
    Jul 6, 2015
    By:
    Gas rewards have been very beneficial for me. The amount of driving I do along with my commute to and from work makes me need to fill my tank a couple of times a week. With gas rewards, I am able to cut into that cost a little bit and basically get free gas. I highly recommend a gas rewards card if you are someone who drives a lot like me.
    Jun 9, 2015
    By:
    I love my gas rewards card. I drive a lot for work, and I get reimbursed by my company as well. As long as I make my payments on time and pay as little interest as possible, it's almost like free money. Using my gas rewards card has saved me hundreds of dollars in just the past year.
    Jun 8, 2015
    By:
    Gas Rewards can be useful, that's how I gauge what gas card I apply for. I do a lot of traveling for business so sometimes paying for gas later can be a good thing and even a blessing. I noticed that paying them off on time can really help repair any credit damage you may have.
    May 28, 2015
    By:
    I feel that a gas rewards card is a very smart idea to go with. In this day in age people constantly need to use vehicles and constantly spend money on gas and it isn't that cheap. I would highly recommend this card for anybody who drives.
    May 28, 2015
    By:
    I think getting a rewards card for gas would give considerable savings. I have used cards in the past that give a certain percentage off of gasoline and have saved a good percentage of the money spent on gasoline. I think that if you use the card for every gasoline purchase you will be saving a good deal. I would go with the card that gives the highest percent back and with a low interest rate.
    May 6, 2015
    By:
    Gas prices are bound to go up, and probably soon. The economy is improving and oil prices are based on the demand and supply of the stock market. Also, summer is coming and gas prices usually rise then. Gas credit cards could be helpful because they provide reward points for a product that everyone needs on a regular basis.
    May 1, 2015
    By:
    Gas rewards are useful to me. I travel a lot, and I end up saving a lot of money. I'm not sure if it would be very useful if I didn't travel very much. I have two different gas cards, and the rewards add up pretty quickly. Not to mention, gas prices are starting to go back up again.
    Apr 25, 2015
    By:
    In my opinion, gas rewards are useful for both long distance travel and just casual drivers. I personal use the marathon gas card and I use it frequently. I was thinking about signing up for a different one but this one is fine for now. I personally do not travel a lot but I am a casual driver. The reward cards seem to be helpful to me. It does not matter if you travel a lot or you are just a casual driver, it works for both cases. With the marathon gas card that I have the rewards add up.
    Apr 15, 2015
    By:
    Gas rewards are useful to both people who travel long distances and also to those who are just casual drivers. Whether you're a hardcore traveler or just travel around town, rewards are rewards and can help out either way. I personally don't travel too much, but am a casual driver, and the rewards cards I have are very helpful to me. Here and there when I do need to travel a long way, it's of course very helpful as well. What ever side you're on, gas is gas, and getting any rewards you can get helps.
    Apr 7, 2015
    By:
    I strongly expect gas prices to continue to rise over the next several months and possibly for much longer. The main factor is the current instability in the middle east and continuing reports of wars and conflicts in that region. The increased activities of terrorist organizations has not been helpful. Consumer confidence is low and the market is volatile. To make matters worse, the demand for gas appears to have increased, particularly in the United States. For these reasons, I do not see a change in the direction of gas prices in the near future.
    Mar 25, 2015
    By:
    Gas prices will be a bit higher because of the summer season coming up. People generally spend a good amount of time driving their cars during the summer. This will thus drive demand for gas up and prices will go up. A gas credit card is likely to help out on this end because as long as you keep it paid off, it's not going to eat up your wallet with interest rates. If you have to commute to work or commute out of town for vacation, a gas credit card could save you hundreds of dollars over the summer period.
    Mar 18, 2015
    By:
    I think the gas prices will start to fluctuate. Warm weather is coming and people will start to travel and go on vacation which then the prices will start to soar. Having a gas credit card can be quite beneficial if it offers rewards or point to save on gas. The only downside I see is if the balance isn't paid off each month, then the interest rates start and it probably isn't worth having one.
    Feb 28, 2015
    By:
    Gas rewards are helpful to everyone. I have a Marathon Gas card we use frequently.
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