The Citi Custom Cash® Card is our pick for best gas credit card thanks to its easy-to-earn sign-up bonus and generous cash back rate in your top spending category. We recommend using it as a dedicated gas card.
Gas is a necessary household expense with fluctuating prices — and the costs can really add up, especially if you have a long commute or take regular road trips. So make those purchases pay with a gas credit card that will help you rack up rewards every time you fill up your tank.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Earning rate on gas: Up to 5% cash back
If you spend a large amount on gas and are looking for a dedicated card for gas purchases, you’ll find few cards on the market more rewarding than the Citi Custom Cash® Card. You can earn a generous cash back rate in your top spending category each month (on the first $500) from a list of eligible categories, including gas.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Earning rate on gas: 3% cash back at U.S. gas stations (redeemable for statement credits)
The Blue Cash Preferred® Card from American Express earns 3% cash back rewards at U.S. gas stations, and on public transit, while also earning one of the highest rates of cash back around for U.S. supermarket purchases (redeemable for statement credits or at Amazon.com). If you’re looking for the best credit card for ground transportation and groceries, the Blue Cash Preferred® Card from American Express is the way to go.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Earning rate on gas: Up to 3% cash back
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is our choice for best business gas credit card because it offers small business owners flexibility and the option to earn 3% cash back on gas. You can select one category to earn the highest cash back rate each month (up to the yearly maximum), and you can change it once a month.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Earning rate on gas: Up to 4% cash back
If you’re a frequent spender at gas stations and restaurants, you should consider the PNC Cash Rewards® Visa® Credit Card. In addition to offering an excellent rewards rate on these two categories, this $0-annual-fee credit card offers cash back at grocery stores and on all other purchases.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Earning rate on gas: 3% cash back
If you’re looking for cash back rewards on gas but you’ve got less-than-ideal credit, the Bank of America® Customized Cash Rewards Secured Credit Card is one of the most rewarding gas credit cards available. Our pick for the best gas credit card for bad credit offers flexibility and regular account reviews to determine if you qualify to get your deposit back.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Earning rate on gas: Up to 15¢ off per gallon
The BPme Rewards Visa Signature® Card offers one of the best discounts on gas: You’ll get 15 cents per gallon off all fuel purchases at BP. Plus, you can also earn cash back on groceries, dining and nonfuel BP purchases.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Earning rate on gas: 6X points at U.S. gas stations
The Hilton Honors American Express Surpass® Card is our pick for best hotel credit card for gas because it earns a high rate of rewards at U.S. gas stations in the form of Hilton Honors hotel points. If you’re a frequent Hilton guest who loves to drive, you’ll enjoy earning travel rewards that you can turn into free nights.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Earning rate on gas: 3X points
The Citi Strata Premier℠ Card is an outstanding travel rewards credit card with more high-earning categories than many other cards on the market. You can earn ThankYou® points at gas stations and for air travel, dining, supermarkets and hotel stays. You can then transfer these points to Citi’s travel partners for maximum value or redeem for cash, gift cards and more.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Earning rate on gas: 4% cash back
Get 4% cash back on eligible gas and EV charging purchases 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..
Buying gas at Costco does require a Costco membership (either $60 or $120 annually), but gas at Costco is often cheaper than at surrounding stations. And if you’re filling up at Costco, you’ll want the Costco Anywhere Visa® Card by Citi.
Keep in mind you must be a Costco member to get the card, and there are strict limitations on rewards redemption. Costco cash rewards can only be redeemed for merchandise or cash back at U.S. Costco warehouses, are only distributed once a year (after your February billing statement closes) and must be redeemed by the end of that year.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|
|
Citi Custom Cash® Card*
|
Best gas credit card
|
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. | Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026. | Good / Excellent | |
|
Blue Cash Preferred® Card from American Express*
|
Best credit card for gas and groceries
|
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. | Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. | Good / Excellent | |
|
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card*
|
Best small business gas credit card
|
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. | Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases | Excellent | |
|
PNC Cash Rewards® Visa® Credit Card*
|
Best credit card for gas and restaurnats
|
$250 after you make $1,000 or more in purchases during the first three months | Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time. | N/A | |
|
Bank of America® Customized Cash Rewards Secured Credit Card*
Review Coming Soon
|
Best gas card for bad credit
|
N/A | Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. | Limited / Poor | Review Coming Soon |
|
BPme Rewards Visa Signature® Card*
|
Best gas discount card
|
30¢ off per gallon on BP and Amoco fuel purchases in the first 60 days after account opening. | 15¢ off per gallon on fuel purchases at participating BP and Amoco stations. Earn 5% cash back on non-fuel BP and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases. | N/A | |
|
Hilton Honors American Express Surpass® Card*
|
Best hotel credit card for gas
|
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025. | Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. | Good / Excellent | |
|
Citi Strata Premier℠ Card*
|
Best travel rewards card for gas
|
For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. | 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental). | Good / Excellent | |
|
Costco Anywhere Visa® Card by Citi*
|
Best Costco gas credit card
|
N/A | 4% cash back on eligible gas and EV charging purchases 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. | Excellent |
The price of gas may determine whether you can save more with a cash back credit card or a gas discount card. This table shows how a gas card with a flat 10-cent-per-gallon discount compares to a gas credit card with 3% cash back rewards. In this scenario, when gas prices reach $3.50 a gallon or more, the credit card will keep more money in your pocket.
Savings on 15 gallons of gas
| Gas card with a 10 cent discount | Credit card with 3% cash back | |
|---|---|---|
| $3 per gallon | $1.50 | $1.35 |
| $4 per gallon | $1.50 | $1.80 |
| $5 per gallon | $1.50 | $2.25 |
If you’re ready to get a gas card, here are a few steps to follow:
To use a credit card at the gas pump, insert your card into the card reader or tap your card against the tap-to-pay symbol until the green lights flash. Or, to use a digital wallet, open the app, choose the right credit card and hold your phone near the card reader. Follow the prompts to complete your purchase.
SEE WHICH STATIONS YOU USE THE MOST
First, determine which gas stations you use most. If you’re loyal to one brand, you might want to consider a co-branded gas card. But if you use different gas stations or travel a lot, a general gas credit card may be a better fit.
Calculate the amount you spend on gas
Look at how many gallons your gas tank holds and how much it costs to fill up to determine whether a discount card (which typically offers a flat per-gallon discount) or a gas credit card (which typically offers a percentage of cash back) will save you more. If you have a 13-gallon tank that costs $50 to fill, a gas discount card that offers 10 cents off per gallon would save you $1.30 while a gas credit card that offers 3% cash back would put $1.50 back in your pocket at the pump.
DETERMINE REWARD EARNING PRIORITIES
The best credit cards offer rewards, and there are many types of cards — including cards that earn cash back, airline miles, hotel points and flexible points. Decide what kind of rewards you want to earn, and remember that a card with multiple elevated earning categories will allow you to earn on all purchases, while a gas discount card may work well as a secondary card used only for gas. Your decision might also be affected by how many credit cards you want to carry.
LOOK AT OTHER CARD BENEFITS
Many rewards credit cards also offer other perks or benefits that you might find useful. A credit card that offers travel protection or primary rental car insurance might be something that would provide real value to you.
Yes, getting a gas credit card can help you build credit if you use it responsibly. Most credit card issuers report your account and payment history to the three major credit bureaus (Equifax, Experian and TransUnion), which can positively impact your credit — as long as you pay on time and keep your balance well below 30% of your credit limit.
The Bank of America® Customized Cash Rewards Secured Credit Card is our pick for easiest credit card to get for gas rewards, as it’s geared toward consumers with Limited / Poor credit. It requires you to put down a security deposit, which is one of the best ways to get a card with bad credit.
The best gas credit cards are likely to require good to excellent credit — typically considered to be a FICO Score of 670 to 850, but some may accept fair credit, as low as 600. If you have no credit or poor credit, look into credit cards for beginners or secured cards.
We selected the best gas cards through a review of cards available on LendingTree and from top issuers. The following factors influenced our top card picks:
Cash back rates or discounts: We looked for cards likely to save you the most at the pump.
Redemption options: How easy are the rewards to redeem, and how valuable are the redemption options?
Annual fee: If the card charges an annual fee, do the rewards outweigh it?
Sign-up bonuses: Does the card offer a large sign-up bonus?
Introductory and regular APRs: Does the card offer a 0% intro APR to help finance a big purchase or pay off a transferred balance? Is its regular APR reasonable?
Useful benefits, such as cellphone protection and extended warranty protection, influenced our choices as well.
The information related to the Citi Custom Cash® Card, Blue Cash Preferred® Card from American Express, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, PNC Cash Rewards® Visa® Credit Card, Bank of America® Customized Cash Rewards Secured Credit Card, BPme Rewards Visa Signature® Card, Hilton Honors American Express Surpass® Card, Citi Strata Premier℠ Card, Costco Anywhere Visa® Card by Citi, Exxon Mobil Smart Card+™ and Shell | Fuel Rewards® Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
