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Gas Credit Cards

 Gas Credit Cards

Personalize your search for a Gas Rewards Credit Card

There are two basic types of gas cards: gas store cards and gas credit cards. Gas store cards, which do not bear the Visa or MasterCard logo, can only be used at the station to which they are affiliated and simply provide the convenience of paying with plastic. 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. When comparing these cards, keep in mind that gas station credit cards only allow you to earn gas rewards on purchases made at affiliated gas chains, whereas gas credit cards provide savings on all brands of gasoline. Unless you already get gas at a particular station or can easily begin doing so, we recommend getting one of the gas rewards cards that allows you to save no matter where you fill up your tank, even though station-affiliated credit cards provide 1-2% more savings. The rationale here is that if it’s a hassle to go to a particular station, the extra money you save won’t be worth it, especially since you’re likely to revert to old habits when things get hectic. Therefore, when comparing gasoline credit cards, pay close attention to how each card fits your spending habits, and only apply for the one that suits your lifestyle best.

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    3.5

    Ace Rewards® Visa Credit Card

    ace credit card
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 13.99% - 22.99% (V)
    Annual Fee None
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn up to 10%
    • Up to 10% back quarterly in popular categories.
    • Up to 5% back on Ace purchases.
    • 2% back on gas and groceries.
    • 1% in Rewards everywhere else Visa is accepted.

     
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    3.5

    Blue Cash Everyday® Card from American Express

    american express blue cash credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers Not Offered
    • Regular Rate 12.99%-21.99%
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1%
    Max Earn 3%
    • Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
    • Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.

     
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    4.5

    Blue Cash Preferred® from American Express

    Blue Cash Credit Card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers Not Offered
    • Regular Rate 12.99%-21.99% (V)
    Annual Fee $75
    Rewards Cash Back
    Initial Bonus $150
    Base Earn 1%
    Max Earn 6%
    • Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
    • 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.
    • Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.

     
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    3.5

    Barclaycard® Rewards MasterCard®

    barclaycard credit card
    Rates:
    • 0% on Purchases 6 months
    • 0% on Transfers 6 months ;   Fee.....3%
    • Regular Rate 24.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 2,500 points
    Base Earn 1 point/$1
    Max Earn 2 points/$1
    • 2,500 Bonus Points after your first purchase
    • Earn 2 points per $1 on gas, grocery and utility purchases.
    • Earn 1 point per $1 everywhere else
    • Redeem for flights, shopping, dining and more.
    • Use your points like cash to pay for any purchase you've made.
    • No cash back limits.

     
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    2.5

    Barclays Rewards Credit Card - Excellent Credit

    barclays rewards credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3%
    • Regular Rate 14.99% - 24.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 5,000 points
    Base Earn 1 point/$1
    Max Earn 2 points/$1
    • Earn 5,000 Bonus points after your first purchase - enough for $50 cash back.
    • Earn 2 points per $1 on gas, grocery and utility purchases.
    • Earn 1 point per $1 everywhere else
    • Redeem for flights, shopping, dining and more.
    • Use your points like cash to pay for any purchase you've made.

     
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    4.5

    Harley-Davidson® Visa® Credit Card

    harley davidson visa credit card
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 13.99% - 22.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus $10
    Base Earn 1 point / $1
    Max Earn 3 points / $1
    • Earn 3 points for every $1 spent at Harley-Davidson® dealerships.
    • Earn 2 points for every $1 spent at gas stations, restaurants, bars, and lodging merchants.
    • Earn 1 point for every $1 everywhere else, redeem points for Harley Chrome® Cash.
    • No limit to how much Harley Chrome® Cash you can earn.
    • Chances to win a new Harley-Davidson® motorcycle every month.

     
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    4

    Wells Fargo® Rewards® Credit Card

    wells fargo rewards card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3%
    • Regular Rate 12.15% - 25.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus None
    Base Earn 1 point / $1
    Max Earn 3 points / $1
    • Get more from your purchases by earning triple rewards points for every $1 spent in gas, grocery and drugstore net purchases (purchases minus returns/credits) for 6 months and 1 rewards point for each $1 spent on all other net purchases with your credit card.
    • Choose from over a thousand redemption options like: Travel with no blackout dates, Cash rewards, gift cards, and brand-name merchandise and Charitable donations and eco-friendly options.
    • Two ways to earn up to 10x bonus points. Boost your earnings with up to 10 bonus points per dollar spent in net purchases when you shop at over 3,000 online and in-store retail merchant locations featured on the Earn More Mall site.
    • Annual points limit is 120,000.

     
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    3

    PenFed Platinum Rewards

    penfed rewards credit card
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 9.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus None
    Base Earn 1 point / $1
    Max Earn 5 points / $1
    • Earn 5 points per dollar spent on gas purchases.
    • Earn 3 points per dollar spent on supermarket purchases.
    • Earn 1 point per dollar spent on all other purchases.
    • Ability to redeem points for a range of rich Rewards, including merchandise, travel, gift cards or even Visa® prepaid cards at PenFedPlatinumRewards.com.

     
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    4.5

    TrueEarnings® Card from Costco and American Express

    costco credit card
    Rates:
    • 0% on Purchases 6 months
    • 0% on Transfers Not Offered
    • Regular Rate 15.24% (V)
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn 3%
    • 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%.
    • 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco.
    • The Two-In-One Card: it's an American Express® Card and Costco membership card, with no annual fee for Costco members.

     
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    3.5

    Citi® Hilton HHonors® Visa® Gold Card

    Hotel Credit Card Hilton Hhonors
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 14.24% or 16.24% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 40,000 points
    Base Earn 2 points / $1
    Max Earn 6 points / $1
    • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
    • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors 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.*

     
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Gas Credit Cards shown on this page.

    User's top rated card in this category: 4.5 / 5 - 129 votes 4.5
     
    Learn more about Gas Rewards Cards

    Should I simply get the gas card with the highest rewards? No. 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? Yes. 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? Most 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 Have 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? Using 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.