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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

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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.

     
    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.
    Feb 19, 2015
    By:
    I think that over the next few months as we enter the summer driving season the price of gas will start going back up. The price of crude is being held down by Saudi cheap crude for now as they try to hurt US production but that cannot last forever. Cheaper gas leads to more consumption and that will cause the price of gas to go back up.
    I do not think gas cards save you money. They may give a few cents a gallon off or some other reward but the interest you will end up paying eats that up and cost you more unless you pay them off every month.
    Nov 26, 2014
    By:
    I especially think it is great for both I use mine all the time when I need to fill up on gas and I don't travel long distances but I do travel to and from work and around town and near by towns a lot to see my family and friends. I think it is worth it just for the average person who drives whether it be long distances or not. You get so much of your gas and the rewards are great as well. I have had my gas card for over 5 years and could not imagine my life without it. I would highly recommend getting a gas credit card. I know so many of my friends and family that also have one and some of them travel long distances and some of them do not but just from talking with them they would not live without it.
    Nov 18, 2014
    By:
    I would like to try to get a gas card, but with my bad credit it is hard to. It really is a shame because I travel extensively throughout the state and could use the benefits of having one. I am trying to get myself back towards creditworthiness; it's been a long, frustrating journey.
    Nov 19, 2014
    Photo of Amanda S.
    My husband is the same way. He travels a lot but his credit is pretty bad so every time he applies for a gas card, he is denied. I have one myself that he uses from time to time but it would be nice if he could get his credit back up and get one of his own because sometimes he is gone for weeks at a time and if he takes it, then I can't use it myself! Good luck on your journey to get your credit back up, it IS a long journey but very worth it in the end.
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