If you have a serious commute or find yourself hitting the road often, then you’re familiar with just how quickly gas expenses add up. Even back in 2017, when gas prices were relatively steady at $2.50 per gallon, the average person still spent nearly $2,000 annually on gas.
Call us biased, but we think that’s a lot to spend without earning a cent back. Which is why we’re bringing you our list of the top credit cards every traveler and commuting warrior should consider before heading out on another road trip or drive to the office.
Keep reading to find out which of these gas reward cards (which include both travel rewards and cashback credit cards) might be best for you and how you can get the most points or cash out of your regular fill up.
How to choose a gas rewards card
The true value of credit card points is anything but straightforward, especially since each card counts them slightly differently and sometimes has additional requirements that limit how and when you can earn. This is why you’ll want to take the time to understand exactly how points will work on your particular card before signing up — that way, you can get the most out of them later on. Because sure, you're here to earn more on your gas purchases, but you might be spending a lot on streaming subscriptions, online shopping, or everyday purchases that you could be earning bonus cash on too.
For many credit cards, one point equals one cent when redeemed for travel or merchandise. In addition to the value of points and how you’ll earn them, you also want to consider how complicated the redemption process will be with your new card, plus the value of things like welcome offers, annual fees, and if you’re required to join a credit union to get the card.
It’s also important to note that some cards limit the number of points you can earn or have a welcome bonus that allows you to earn extra points for a limited time before returning to a more standard rate of rewards. Before signing up for any card, you should take the time to consider all of these things and how they relate to your goals and spending habits.
But before we get into all that, let’s take a peek at what you came for — the best credit cards for gas rewards.
The best cards for earning rewards on gas
|Card||Rewards rate||Annual fee|
|Blue Cash Preferred® Card from American Express||6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1X) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases||$95 (See rates and fees) (Terms apply)|
|Hilton Honors American Express Card||7X points at participating hotels and resorts in the Hilton portfolio; 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3X points on all other eligible purchases||$0 (See rates and fees) (Terms apply)|
|PenFed Platinum Rewards Visa Signature Card||5X points on gas purchases; 3X points on at supermarkets and restaurants, and on streaming, cable, satellite, and other pay television/radio services; and 1X points on all other purchases||$0|
|Costco Anywhere Visa Card by Citi||4% cash back on eligible gas purchases (up to $7,000), 3% on restaurant and travel purchases, 2% on all other Costco purchases, and 1% on everything else||$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|
Blue Cash Preferred Card from American Express
This card comes with a $95 annual fee and some serious rewards — to the tune of 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1X) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases.
This is a simple card with big rewards and is great for anyone who has the required good-to-excellent credit and can focus on using this card in the spending categories that give back the most, like gas and groceries. Earn a $350 statement credit after spending $3,000 on purchases in the first 6 months of card membership.
Something to note is that this card is less than ideal for those who plan to use it while traveling abroad (since it does have a 2.7% (See rates and fees) foreign transaction fee or for those who won’t be able to max out the grocery store-related rewards, which are an even bigger perk than the earning potential on gas.
Hilton Honors American Express Card
This versatile card can earn you points on all aspects of your next trip, be it personal or business. Cardmembers earn 7X points at participating hotels and resorts in the Hilton portfolio; 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3X points on all other eligible purchases.
Earn 100,000 Hilton Honors Bonus Points after spending $1,000 in the first 3 months (plus up to $100 in statement credits on eligible purchases made at Hilton Hotels in the first 12 months) after account opening. This card also has no foreign transaction fees and a $0 annual fee.
The Hilton Honors American Express Card comes with complimentary Hilton Honors Silver status, which gives extra benefits. Examples include a fifth night free at Hilton properties, two bottles of water in your room, and elite tier rollover nights. And if you spend at least $20,000 on your card in a calendar year, you’ll be bumped up to Gold status.
PenFed Platinum Rewards Visa Signature Card
Remember when we mentioned that certain cards require you to join a credit union? This is one of them, but fortunately, the requirements to join aren’t that strict. Primarily for active and retired military members, this credit union is also for government employees or members of government-affiliated associations. It’s worth noting that the eligibility page for this card also includes an option for those who would like to join but don’t meet any of the above-mentioned eligibility criteria — so it might be worth trying your luck.
Besides membership in the PenFed Credit Union, you’ll also need excellent credit to qualify for this card. This might sound like a lot to go through, but there’s a reason this card made the top of our list. When you use this card, you can earn 5X points on gas purchases; 3X points on at supermarkets and restaurants, and on streaming, cable, satellite, and other pay television/radio services; and 1X points on all other purchases. Earn 15,000 bonus points after spending $1,500 in the first 90 days after account opening.
With no annual fee, this card is a great choice for someone who has excellent credit and can use the card primarily toward gas and grocery expenses in order to reap the biggest rewards.
Costco Anywhere Visa Card by Citi
As might be expected, this card is exclusively for Costco members, and you must have excellent credit. Also unsurprisingly, it’s one of the best credit cards for Costco purchases. So if you’re into wholesale clubs and you're already paying for a Costco membership (or were considering signing up), the generous 4% cash back on eligible gas purchases (on up to $7,000 per year) makes this card worth considering.
This card also offers 3% cash back on eligible restaurant and travel purchases, as well as 2% cash back on Costco purchases and 1% cash back on all other purchases. The card is free (with your Costco membership) and has no foreign transaction fees. It also doesn't have any sort of cash rewards bonus for signing up, though.
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 — which is when you’ll receive your rewards certificates for the previous year’s points in the mail.
Citi Premier Card
This card is one of two on our list with an annual fee — in this case, $95. But, if you have the required excellent credit and don’t mind fronting the annual cost, it could very well be your gas rewards credit card of choice. With this card, you’ll earn 3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases.
New cardholders can earn 80,000 bonus points after spending $4,000 in the first 3 months of accounting opening. And since points are worth 25% more when redeemed for airfare through the ThankYou Travel Center, these points amount to $750 in flight purchases.
Although this travel program allows you to redeem points at any time, it only works with qualifying airlines, almost all of which (besides TrueBlue, aka JetBlue) fly mostly international. Other forms of redemption — like statement credits and cash back — are worth less, so in order to make this card worthwhile, you’ll want to use it to book flights through the Travel Center.
Cards with rotating gas categories
Besides the above cards, there are plenty of others that offer rotating cashback categories that sometimes include gas rewards. Two examples of this would be the Chase Freedom Flex and the Fort Knox Federal Credit Union Visa Platinum Card.
When it comes to earning Chase rewards with the Chase Freedom Flex card, you’ll get 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. In 2020, one quarter saw “gas stations” as one of the rewards bonus categories.
The Fort Knox Federal Credit Union Visa Platinum Card also currently offers a gas-friendly category with unlimited 5% cash back on all gas purchases and no annual fee. Don’t let the name fool you — anyone willing to pay the $5 to join the American Consumer Council / Kentucky is eligible to apply.
Rotating bonus category cards can be great as long as you’re willing to keep track of when it’s time to use them. To earn the most points on gas purchases, you might consider using two rewards cards: one of these rotating category cards for maxing out seasonal rewards and one that allows you to still get god rewards for your fuel purchases all year long.
Best business cards for companies buying gas
If you're a small business owner, earning reward dollars from your credit card purchases can make a big difference in your bottom line over even a short period of time. If you’re a business owner looking for the best business cards with gas rewards, we like the Ink Business Cash Credit Card, which offers 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else, and the CitiBusiness / AAdvantage Platinum Select Mastercard, which offers unlimited 2X cash back on American Airlines purchases, and purchases from telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations.
Methodology: How we compared these cards
These credit card offers were chosen because they offered the highest gas rewards. 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-to-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.
What is the best gas credit card?
There’s no credit card that’s the best fit for everyone, even within a specific category like gas credit cards. This is because each of our top cards also offers bonus rewards in other spending categories and possibly even additional perks to make your daily use more rewarding.
That said, if you want the best gas rewards rate, you’ll be hard-pressed to beat the PenFed Platinum Rewards Visa Signature Card. And if you want excellent rewards on both groceries and gas, consider the Blue Cash Preferred Card from American Express. Take your time to compare each option and consider which is the best fit for your needs.
Are gas station credit cards worth it?
Many major gas station brands, including Shell and ExxonMobil, offer credit cards that you can use only at their network of fuel stations — similar to a store credit card. Instead of giving you cash back, many of these cards will offer discounts every time you fill up. That said, they’re somewhat limited, and the set discount (say, 10 cents per gallon) means your cashback rate as a percentage will vary with gas prices and goes down as fuel prices go up. So it’s important to do the math to compare these cards against other credit cards if you want to save the most money.
What is the best credit card for groceries and gas?
Intelligently picking out the right credit card to help you achieve your personal finance goals is a great idea. But when shopping around for the best rewards credit cards, keep in mind that not all points and miles are equal. Some cards will give you more value for your points by redeeming them through their specific travel portal (as is the case with the Citi Premier Card) or by pooling points — a benefit specific to Chase Ultimate Rewards program customers.
But if you're making regular gas station purchases, you could most likely be earning more rewards on those purchases than you are now. You can choose a new card that keeps it simple or squeeze every last bit of value out of a card that allows you to maximize on quarterly categories. Just keep in mind that you’ll likely earn the most gas rewards by using multiple cards rather than just one.