The Best Gas Credit Cards [November 2022]

Nobody likes paying for gas. These rewards credit cards will make the transaction a little sweeter.
Last updated Nov. 22, 2022 | By Larissa Runkle | Edited By Ben Walker, CEPF
Best Cards for Earning Cash Back on Gas

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To help you save money at the gas station, check out our picks for credit cards that offer high rewards rates on gas purchases. Choose from cards with or without annual fees from multiple major card issuers. 

The best gas credit cards for November 2022

In this article

The best cards for earning rewards on gas

Card Rewards rate Annual fee
Blue Cash Everyday® Card from American Express 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%); and 1% cash back on other eligible purchases $0 (Terms apply)
Blue Cash Preferred® Card from American Express 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases $95 (waived first year) (Terms apply)
Bank of America® Customized Cash Rewards credit card 3% cash back on the category of your choice; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 spent each quarter in the 2% and 3% categories combined); and 1% cash back on all other purchases $0
Wells Fargo Autograph℠ Card Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases $0    
Costco Anywhere Visa® Card by Citi 4% cash back on eligible gas and EV charging purchases (up to $7,000), 3% on restaurant and travel purchases, 2% on all other Costco purchases, and 1% on everything else $0    
Citi Custom Cash℠ Card 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases $0    
Citi® Double Cash Card Up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases $0    
Citi Premier® Card 3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases $95    
Chase Freedom Flex℠ 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases $0

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday has a $0 annual fee and offers 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%); and 1% cash back on other eligible purchases.

You can also benefit from a generous welcome bonus: Earn up to $250 - earn 20% back in statement credits (up to $150) when using your card to shop at PayPal in the first 6 months, plus earn a $100 statement credit after spending $2,000 in the first 6 months.

Special benefits include two introductory APR offers:

  • Intro APR on purchases: Receive 0% intro APR for 15 months on purchases, then 17.74% to 28.74% (variable).
  • Intro APR on balance transfers: Receive 0% intro APR for 15 months on balance transfers, then 17.74% to 28.74% (variable).

New cardholders could also take advantage of receiving $7 back each month after spending at least $13.99 per month on an eligible subscription to The Disney Bundle (Disney+, Hulu, and ESPN+). Enrollment is required.

Learn more in our Blue Cash Everyday Card from American Express review.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card has a $95 (waived first year) annual fee and offers 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases.

You could easily offset the $95 (waived first year) annual fee with such high earning potential on everyday purchases. And don’t forget, you could earn a $250 statement credit after spending $3,000 on purchases in the first 6 months.

This card also offers 0% intro APR for 12 months on purchases, then 17.74% to 28.74% (variable)

Check out our American Express Blue Cash Preferred review.

Bank of America® Customized Cash Rewards credit card

The Bank of America Customized Cash Rewards has a $0 annual fee and offers 3% cash back on the category of your choice; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 spent each quarter in the 2% and 3% categories combined); and 1% cash back on all other purchases.

Being able to customize how you earn cash back is a unique feature of this card and could provide flexibility if you occasionally have different types of expenses. Available categories to choose from include gas, online shopping, dining, travel (including flights and hotel stays), drugstores, and home improvement/furnishings.

New cardholders could earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Intro offers on APR include:

  • On purchases: 0% intro APR for 18 billing cycles on purchases (then 16.99% - 26.99% variable).
  • On balance transfers: 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days for any qualifying balance transfers made in the first 60 days (then 16.99% - 26.99% variable).

Read our Bank of America Cash Rewards credit card review.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph has a $0 annual fee and offers this rewards rate: Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

You could earn 30,000 bonus points after spending $1,500 in purchases in the first 3 months (limited time offer ends 1/10/2023). You could also take advantage of 0% intro APR for 12 months from account opening on purchases, then 18.74%, 23.74%, or 28.74% variable.

Special card benefits include:

  • Cell phone protection
  • Auto rental collision damage waiver
  • 24/7 concierge service and access to Luxury Hotel Collection perks

Learn more in our Wells Fargo Autograph Card review.

Costco Anywhere Visa® Card by Citi

As might be expected, this card requires a Costco membership, and you typically need an excellent credit score — so it likely doesn’t make sense if you have a fair or bad credit score.

It has a $0 annual fee and offers 4% cash back on eligible gas and EV charging purchases (up to $7,000), 3% on restaurant and travel purchases, 2% on all other Costco purchases, and 1% on everything else.

This card doesn’t typically have any sort of sign-up bonus, though the everyday earning potential could more than make up for it.

The Costco Anywhere card is accepted anywhere in the world where Visa is accepted. It’s not strictly for use in Costco stores or on Costco.com. The only thing we don’t love is the redemption system, which happens only once per year in February — that’s when you’ll receive your rewards certificates for the previous year’s points in the mail.

But if you want a card specifically for Costco members that works with gas or electric vehicles, this definitely competes with other non-Mastercard options.

Check out our Costco Anywhere Visa Card review.

Citi Custom Cash℠ Card

The Citi Custom Cash has a $0 annual fee and offers 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases.

Receiving increased cash back on your top eligible spending category each billing cycle could be a simple and effective way to help ensure you maximize your earning potential. Eligible categories include gas stations, grocery stores, select travel, select streaming subscriptions, drugstores, home improvement stores, fitness clubs, and live entertainment.

You could also earn $200 cash back after spending $1500 on purchases in the first 6 months. Intro APR offers include:

  • For purchases: 0% intro APR for 15 months on purchases, then 17.74% to 27.74% (variable).
  • For balance transfers: 0% intro APR for 15 months on balance transfers, then 17.74% to 27.74% (variable).

Read our Citi Custom Cash Card review.

Citi® Double Cash Card

You might consider the Citi Double Cash if you want a simple rewards card with a flat cashback rate for all eligible purchases. This card has a $0 annual fee and offers up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases.

The Citi Double Cash also offers a competitive introductory APR offer on balance transfers. Receive 0% intro APR for 18 months on balance transfers, then 17.74% to 27.74% (variable) APR.

Learn more in our Citi Double Cash Card review.

Citi Premier® Card

The Citi Premier Card is different from other cards on our list because it’s a travel card that earns travel rewards and has no foreign transaction fees. It does have a $95 annual fee and also offers 3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases.

You could also earn 80,000 bonus points after spending $4,000 in the first 3 months.

While there is a $95 annual fee, the points you might receive from everyday earning and the welcome bonus could more than offset the cost. You could then redeem your points for travel, gift cards, and more. Or you could transfer them to over a dozen Citi travel partners, including JetBlue, Virgin Atlantic, and Singapore Airlines.

Check out our Citi Premier Card review.

Chase Freedom Flex℠

The Chase Freedom Flex is a top card that could make sense if its rotating and bonus categories align with your typical spending habits. It could also make sense for earning points within the Chase Ultimate Rewards program.

It has a $0 annual fee and offers 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases.

Past rotating categories have included grocery stores, gas stations, Amazon.com, Walmart, PayPal, streaming services, and more.

You could also earn $200 cash back after spending $500 on purchases in the first 3 months. Intro APR offers include:

  • On purchases: 0% intro APR for 15 months on purchases, then 17.99% to 26.74% (variable).
  • On balance transfers: 0% intro APR for 15 months on balance transfers, then 17.99% to 26.74% (variable).

Read our Chase Freedom Flex review.

Best business cards for gas

Consider these cards if your small business has elevated gas spending.

Card Rewards rate Annual fee
American Express® Business Gold Card 4X Membership Rewards points for the first $150,000 spent in two select categories each year (after that 1X), and 1 point per $1 spent on other eligible purchases $295 (Terms apply)
Bank of America® Business Advantage Customized Cash Rewards credit card 3% cash back on your category of choice and 2% cash back on dining (on up to $50,000 annually in combined 3% and 2% category purchases); and unlimited 1% cash back on everything else $0
Ink Business Cash® Credit Card 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 5% cash back on Lyft; 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else $0

American Express® Business Gold Card

The Amex Business Gold has a high $295 annual fee, but it could easily offset this cost with 4X Membership Rewards points for the first $150,000 spent in two select categories each year (after that 1X), and 1 point per $1 spent on other eligible purchases.

Eligible categories include U.S. purchases at gas stations, U.S. purchases for shipping, airfare purchased directly from airlines, U.S. purchases at restaurants, and more.

You could also earn 70,000 membership rewards points after spending $10,000 in the first 3 months. Additional benefits include:

  • Baggage insurance plan
  • Car rental loss and damage insurance
  • Trip delay insurance
  • Extended warranty protection
  • Purchase protection

Learn more in our American Express Business Gold review.

Bank of America® Business Advantage Customized Cash Rewards credit card

The Business Advantage Customized Cash Rewards has a $0 annual fee and offers 3% cash back on your category of choice and 2% cash back on dining (on up to $50,000 annually in combined 3% and 2% category purchases); and unlimited 1% cash back on everything else.

Gas stations are the default 3% category, but you can also choose from office supply stores, travel, TV/telecom and wireless, computer services, or business consulting services.

You could also earn a $300 statement credit after spending $3,000 on purchases in the first 90 days. The Business Advantage Customized Cash Rewards comes with a 0% intro APR offer for 9 billing cycles on purchases, then 15.24% to 25.24% (variable).

Check out the Bank of America Business Advantage Cash Rewards Mastercard.

Ink Business Cash® Credit Card

The Ink Business Cash has a $0 annual fee and offers 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 5% cash back on Lyft; 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else.

The earning rate for gas isn’t as high as some other cards, but you also get the opportunity to earn a high 5% cashback rewards rate on other common business expenses.

You could also earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer). The Ink Business Cash comes with a 0% intro APR offer for 12 months on purchases, then 16.24% to 22.24% (variable).

Read our Chase Ink Cash Business Credit Card review.

How to choose a gas rewards card

From 1993 to 2022, U.S. gas prices have ranged from about $1 per gallon to over $5 per gallon, according to the U.S. Energy Information Administration. As gas tends to get more expensive, the need to save money at the gas pump becomes more important.

Gas rewards credit cards offer opportunities to help soften the blow when you fill up your tank. Use these factors to help narrow down your choices and select the right gas rewards card for you:

  • Rewards rate: The higher the earning rate on gas, the more bonus rewards you could earn on visits to the gas station — whether you're filling up at a specific gas station for work or on a fun road trip.
  • Welcome bonus: If multiple cards have similar benefits, the card with the higher sign-up bonus or welcome offer might make the most sense.
  • Annual fee: Cards with annual fees typically offer more perks and benefits than no-annual-fee options. But if you’re new to credit cards or want to keep your overall costs low, a card without an annual fee might make the most sense.
  • Card issuer: Do you already have a relationship with a certain card issuer? If so, it might make sense to stick with them. But it’s also not a bad thing to have cards from multiple companies.
  • Personal or business: Choosing between personal or business credit cards could significantly alter your available options.
  • Other benefits: What benefits do you want on a card? Look for your preferred benefits — whether it’s purchase protection, rental car insurance, or something else — while comparing credit card offers.

Methodology: How we compared these cards

These credit card offers were chosen because they offered the highest gas rewards in different scenarios. We tried to be inclusive by choosing a variety of cards from a variety of credit card issuers, including cash rewards credit cards, cards for people with good or excellent credit, and cards without any annual fees. These are all great credit cards to have in your wallet, but make sure you read the card details for any you're interested in before you fill out an application.

FAQs

What is the best gas credit card?

Are gas station credit cards worth it?

Gas station credit cards are often worth it if gas is a big expense for you. They could provide valuable rewards for each gas station purchase. For example, the Blue Cash Everyday Card offers 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%).

What is the best credit card for groceries and gas?

Bottom line

A gas credit card could be useful for saving money at the gas pump. But keep in mind that not all gas cards will typically be the best option for other types of common expenses, including groceries.

Check out our list of the best credit cards for groceries to help you save money on your grocery trips.

Lucrative, Flat-Rate Cash Rewards

Current Offer

$200 cash rewards bonus after spending $1,000 in the first 3 months

Annual Fee

$0

Rewards Rate

Earn 2% cash rewards on purchases

Benefits and Drawbacks

Benefits

  • $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • Intro APR on purchases and balance transfers
  • $0 annual fee

Drawbacks

  • Has foreign transaction fee
  • No bonus categories
Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select "Apply Now" to learn more about the product features, terms and conditions

Author Details

Larissa Runkle Larissa writes for FinanceBuzz and divides her time between a cabin in the San Juan Mountains and traveling in a van. She enjoys writing about travel, debt relief, personal loans, and mortgages. Her work has been featured on MagnifyMoney, LendingTree, and Realtor.com. Outside of finance and real estate writing, she’s also at work on several fiction projects. When away from the computer, you’ll find her reading, exploring local trails, and climbing rocks.