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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 1,629 reviews

    Blue Cash Everyday® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
    • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • Terms and Conditions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Everyday® Card from American Express
    3 1,488 reviews

    Barclaycard Rewards MasterCard®


    barclaycard credit card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 25.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus None
    • Minimum Credit Fair
    • Rewards Details
    • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
    • Points don't expire as long as account is open, active and in good standing
    • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
    • No limit on the number of points you can earn or redeem
    • Additional Info
    • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
    • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No annual fee
    • See More Details & Reviews About The Barclaycard Rewards MasterCard®
    4 1,186 reviews

    Blue Cash Preferred® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% (min $5) Transfer Fee
    • Regular APR 13.24%-23.24% (V)
    • Annual Fee $95
    • Rewards Rate 1 - 6% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Good
    • Rewards Details
    • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
    • Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • Terms and Conditions apply.
    • Additional Info
    • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Preferred® Card from American Express
    4 270 reviews

    Premier Rewards Gold Card from American Express


    • 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 Good
    • Rewards Details
    • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
    • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
    • No matter where you’re traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
    • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
    • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
    • Terms and limitations apply.
    • Additional Info
    • There is a $0 introductory annual fee for the first year, then $195.
    • See More Details & Reviews About The Premier Rewards Gold Card from American Express
    3 3,844 reviews

    Credit One Bank® Visa® with Credit Line Increase Reviews


    credit one credit card
    • One-Time Fees None
    • Regular Rate 15.65% - 24.15% (V)
    • Annual Fee $0 - $99
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Automatically earn 1% cash back when you buy gas or groceries. Terms apply.
    • Additional Info
    • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
    • See if you're Pre-Qualified in less than 60 seconds.
    • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
    • Flexible payment date to assist you in making your payments on time.
    • Grace Period: 0 or 24 Days (see terms)
    • See More Details & Reviews About The Credit One Bank® Visa® with Credit Line Increase Reviews
    4 839 reviews

    Costco Anywhere Visa® Card by Citi


    costco credit card
    • Purchase Intro APR 0% for 7 months
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% (V)
    • Annual Fee $0
    • Rewards Rate 1 - 4% Cash Back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • Exclusively for Costco Members: Go Big with Cash Back Rewards
    • 4% cash back on eligible gas 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
    • Additional Info
    • See More Details & Reviews About The Costco Anywhere Visa® Card by Citi
    3 60 reviews

    The Amex EveryDay® Preferred Credit Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $95
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 15,000 points
    • Minimum Credit Good
    • Rewards Details
    • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases in your first 3 months.
    • Use your Card 30 or more times on purchases in a billing period and earn 50% more 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 Conditions apply.
    • Additional Info
    • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The The Amex EveryDay® Preferred Credit Card from American Express
    4 181 reviews

    USAA Rewards™ American Express® Card


    usaa american express
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 10.15% - 26.15% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 2,500 points
    • Minimum Credit Good
    • Rewards Details
    • Earn 2X points per dollar spent on gas and groceries with no caps.
    • Earn one point for every dollar spent on your everyday purchases.
    • Get 2,500 bonus points with your first purchase.
    • There’s no expiration date or caps on any points earned.
    • Redeem your points for cash, merchandise, gift cards or travel or donate to your favorite military affiliate group.
    • Additional Info
    • Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 10.15% and 26.15% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
    • Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Concierge services to assist with whatever you need, whenever you need it. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
    • See More Details & Reviews About The USAA Rewards™ American Express® Card
    4 245 reviews

    Hilton HHonors™ Card from American Express


    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% - 19.49% (V)
    • Annual Fee None
    • Rewards Rate 3 - 7 points / $1
    • Rewards Bonus 50,000 points
    • Minimum Credit Good
    • Rewards Details
    • Earn 50,000 Hilton HHonors™ Bonus Points after you spend $750 in purchases on the Card within your first 3 months of Card Membership.
    • Get 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
    • Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
    • Get 3X Hilton HHonors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
    • Enjoy complimentary Silver status with your Hilton HHonors™ Card.
    • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn HHonors Gold status through the end of the next calendar year.
    • Terms and Conditions apply.
    • Additional Info
    • See More Details & Reviews About The Hilton HHonors™ Card from American Express
    3.5 15 reviews

    U.S. Bank FlexPerks® Gold American Express® Card


    flexperks travel rewards american express
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 14.24% - 24.24% (V)
    • Annual Fee $85
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 30,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Spend $2,000 in first 4 months of account opening and earn 30,000 bonus FlexPoints
    • 3X FlexPoints at restaurants
    • 2X FlexPoints at gas stations
    • 2X FlexPoints at airlines
    • 1X FlexPoints per $1 spent on all eligible net purchases
    • Additional Info
    • *No Foreign Transaction Fees
    • Additional Coverage Benefits such as Worldwide Car Rental Insurance, Lost Luggage, Retail Purchase Protection and ID Fraud Reimbursement
    • Concierge Service is available 24/7
    • See More Details & Reviews About The U.S. Bank FlexPerks® Gold American Express® Card
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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.

     
    Nov 9, 2015
    By:
    I believe an international credit card can provide significant savings and help save money. One reason I say this is that whenever I need to go to the gas station to get some gas, I always end up getting something to eat. Now with the gas card I would have to go to the bank to get cash for junk food. I hope this helps someone out and give them some tips on how international credit card can provide significant savings.
    Nov 8, 2015
    By:
    I started to use gas cards when one of my friends told me the benefits of it. He told me that I have to fill up my car every week with gas so why don't I reap of the fact that I can get cash back? I started to use the BP Visa Credit card and absolutely loved it. I am a all out BP fan so I made points for cash so quick that in a month I had already 35 dollars of cash back rewards. Gas cards are really good for you if you fill up your car often and want to receive rewards for filling up your car.
    Nov 5, 2015
    By:
    I was lured into a gas credit card (Texaco Rewards) by the promise of statement credits towards future gas purchases. It actually worked out pretty well for the first few months. I did indeed get some gas credits, which helped me lower my gas bill by just a little bit. After a while, the statement credits stopped showing up, and it turned out they were no longer continuing that program. So my perks card turned into just another high rate credit card that I could only use at gas stations. This card would actually make my gas more expensive if I forgot and did not pay the balance in full each month. Eventually that did happen, and I was actually late on a payment by 1 day. Completely my fault. This really opened my eyes to the fact that the card was only serving as just one more thing that I had to remember to pay every month. Why continue to use this when there is no tangible benefit, and it could actually cost me more money if I forget. I was actually making more work for myself for no real gain, with a chance at another ding on my credit report. I still keep the card in my wallet, but now I just pay for gas with my debit card.
    Oct 28, 2015
    By:
    I have the BP Visa credit card, and I use it all the time. The biggest advantage to using this type of credit card is definitely the fuel rewards. I do receive higher rewards if I use a BP station, but I also accrue points when I use the card in other stores. It is very convenient for when I am traveling as well. I think that some gas cards have higher interest rates though, which is a definite disadvantage.
    Oct 20, 2015
    By:
    I didn't want to own any credit card at all, but finally decided to get the Wawa gas credit card. Wawa is a convenience store/gas station where I live (mid-Atlantic), and this card offered particularly good rewards. i had been looking for a way to consistently get rewards for the gas that I buy, since I do buy gas quite a bit. This particular credit card offers savings of 25 cents per gallon for the first two months, then 5 cents per gallon after that.
    Oct 7, 2015
    By:
    I think the most important feature a gas credit card should have is cross-promotion with certain items in the store. For example, using your gas card could earn you points redeemable for a cup of coffee or a newspaper from the gas station. That way, it would provide an incentive for you to use the card, and help provide you with other necessary items you'd buy from the same place.
    Oct 7, 2015
    By:
    A gas credit card is good if you are not able to buy gas with money or in a tight spot. A gas credit card can earn you rewards on the gas you get which will make you able to buy more gas you need or other things. With gas credit cards you might can use them to buy other things too you need. Gas cards are good if you are traveling in another state and do not have money for gas or run out of money. Gas credit cards are easy to use.
    Oct 5, 2015
    By:
    I have a Kroger gas credit card, and it's great. I got it so that I could save money on gas, but I didn't know how much I would be saving. Every time I scan my card at the store, three cents will be taken off of my next gas price. If I do not use them, it builds up and I can save money. I have saved a lot, and am highly satisfied with it all. My truck is not a gas guzzler, and when I use the card, it is cheap and the gas lasts a long time.
    Sep 12, 2015
    By:
    For me, gas credit cards offer many advantages. Since most Americans drive, fuel for your vehicle is almost always in demand. Likewise, most gas stations have evolved into convenience stores. This allows purchasers to use their gas credit card not only for fuel but other necessities as well; such as groceries and other small household goods. Lastly gas cards are often easier to qualify for regular credit cards. This allows those who have poor or no credit to establish a good credit history.
    I have found a near perfect blend of benefits in my Pilot/Flying J gas credit card. When I use this card, I get discounts at the pump, 0% interest when paid in full, and I earn points which further reduces my costs when purchasing other goods in the store.
    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.
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