The best gas credit cards earn a high rate of rewards on gas purchases. Use these cards to earn more cash back or points on gas and fill up your rewards balance.
Our quick recommendations: Maximum cash back on gas with no annual fee.
Want the best gas credit card? Here are our quick recommendations that will get you the most rewards on gas purchases in most cases.
- If you buy gas at Costco: The Costco Anywhere Visa® Card by Citi offers 4% rewards on up to $7,000 of gas purchases per year, including at Costco for no annual fee.
- If you buy gas elsewhere: The Citi Custom Cash℠ Card offers 5% cash back on the first $500 you spend each month in one category. You’ll earn 1% on other purchases. Use the card mostly for gas and you’ll get 5% back on up to $500 of gas purchases.
Picking one of the gas credit cards above will give you excellent rewards on your gas purchases. But if you want to maximize the amount you earn on gas purchases, or if you want great gas rewards in addition to rewards on your other spending, continue reading to find the best gas credit card for your situation.
The best gas credit cards
Want to dig in further and find the best gas credit card for you? Whether you’re simply looking for the most cash back on gas or a card that gives you rewards on gas in addition to other purchases you make, you’ll find it on our list. Here are the best cards to use for gas purchases.
Best for 5% cash back on gas: Citi Custom Cash℠ Card
Quick take: Choose one of the Custom Cash’s eligible categories and use the card solely for purchases in that category to maximize rewards. Put any other spending on another card.
Pros. Earns 5% cash back on your top eligible category, on up to $500 of spending each statement cycle. No annual fee.
Cons. The Custom Cash earns only 1% outside your top eligible category. Limited consumer insurance benefits.
Best to use everywhere with mobile wallet: U.S. Bank Altitude® Reserve Visa Infinite® Card
Quick take: If you want a card that earns great rewards on gas and everywhere else, this is the card to get. You’ll earn 3% cash back or 4.5% toward travel everywhere you use a mobile wallet like Apple Pay or Google Wallet.
Pros. Earn 3% cash back or 4.5% toward travel when you use a mobile wallet to pay for gas or any other retailer that accepts mobile wallets. $325 travel/dining credit. Extensive consumer and travel insurance benefits.
Cons. Annual fee. Maximum rewards require using mobile wallet to pay.
Best gas credit card for Costco members: Costco Anywhere Visa® Card by Citi
Quick take: The card offers great rewards on gas at Costco, but isn’t the best card to use in Costco warehouses in most cases. Also, be aware that rewards are earned as an annual certificate that must be cashed at Costco in-store.
Pros. Earn 4% cash back on up to $7,000 of gas purchases, including at Costco. 3% rewards on travel.
Cons. Limited consumer and travel benefits. Other cards offer better rewards at Costco in-store and online. Rewards come once a year as a reward certificate that must be cashed in-person at Costco.
Best for Costco business members: Costco Anywhere Visa® Business Card by Citi
Quick take: Basically the same as the personal Costco card, but for small business owners. Rewards are earned as an annual certificate that must be cashed at Costco in-store and there are better options for your Costco warehouse purchases.
Pros. Earn 4% cash back on up to $7,000 of gas purchases, including at Costco. 3% rewards on travel.
Cons. Limited consumer and travel benefits. Other cards offer better rewards at Costco in-store and online. Rewards come once a year as a reward certificate that must be cashed in-person at Costco.
Best for unlimited points on gas: U.S. Bank Altitude Connect® Visa Signature® Card
Quick take: This card remains on our list for now, but the card’s annual fee, rewards structure, and benefits change on September 9, 2024. After that date, it won’t be a great card to use for gas purchases.
Pros. Earn 4x points at gas stations. Points worth 1 cent each toward cash back. Good set of consumer and travel insurance protections. Effective $0 annual fee for new cardmembers.
Cons. Rewards change on September 9, making the card less rewarding for gas purchases.
On September 9, 2024, the rewards on this card change. You’ll only earn 4x on the first $1,000 of combined gas and EV charging each quarter, then 1x. Points will only be redeemable for 0.8 cents each toward cash back redemptions. Read our review.
* Annual fee changes to $0/year on September 9, 2024. See our coverage of the Altitude Connect changes.
Best for Wells Fargo points: Wells Fargo Autograph℠ Card
Quick take: A great option if you collect Wells Fargo Autograph points and transfer to travel transfer partners for high-value redemptions.
Pros. 3x points on gas plus a variety of other categories. Points can be transferred to travel partners or redeemed for cash back.
Cons. Limited consumer insurance benefits.
Best for gas and groceries: Blue Cash Preferred® Card from American Express
Quick take: The card’s 3% cash back on gas at U.S. gas stations is decent, but what really sets the card apart is its gas rewards combined with its grocery rewards and consumer insurance benefits.
Pros. 3% cash back on gas at U.S. gas stations. 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. Extended warranty, return protection, and purchase protection.
Cons. Annual fee. Lackluster rewards on “other purchases.”
Good for gas and groceries with no annual fee: Blue Cash Everyday® Card from American Express
Quick take: A decent compromise card if you prioritize not paying an annual fee and want a card offering rewards at U.S. gas stations, U.S. supermarkets, and U.S. online retailers.
Pros. 3% cash back on gas at U.S. gas stations on up to $6,000 per year, then 1%. Offers similar rewards at U.S. supermarkets and U.S. online retailers.
Cons. Bonus rewards are capped at $6,000 of spending each calendar year, per category.
Second-best for ThankYou® Points: Citi Strata Premier℠ Card: 3x points on gas and EV charging stations
Quick take: If you prefer to earn ThankYou Rewards points and are using the Citi Custom Cash℠ for another category, the Citi Strata Premier℠ Card offers 3x ThankYou Points on gas and is a good second-best option
Pros. 3x ThankYou Points on gas and in several other categories. Points transfer to travel partners.
Cons. Annual fee. Limited set of consumer insurance benefits.
Best for BofA relationship banking customers: Bank of America® Customized Cash Rewards credit card
Quick take: A decent no annual fee card with flexible categories. If you have Bank of America Preferred Rewards at the Platinum Honors level, you can earn market-leading 5.25% cash back rewards on gas.
Pros. Earn up to 5.25% cash back on gas or similar rewards in a different category you choose. (3% base rewards, plus 1.75x relationship banking multiplier.)
Cons. Earning maximum cash back requires keeping $100k on deposit with Bank of America to get Platinum Honors status in BofA Preferred Rewards.
You’ll earn 3% base cash back on your chosen category, plus a 1.75x rewards multiplier if you have Preferred Rewards with Platinum Honors. The 3% and 2% rewards on this card are capped at a combined $2,500 of spending each quarter
Best Membership Rewards® gas card: Amex EveryDay® Preferred Credit Card
Quick take: If you’re collecting Membership Rewards, this card will earn you the most points on gas. It can also earn you the most points on groceries, but to get maximum rewards, you must use the card 30 times each statement cycle.
Pros. Earn 3x at gas stations if you use your card 30 or more times in a billing period. 2x otherwise. Also offers excellent rewards on groceries at U.S. supermarkets.
Cons. Annual fee. Lackluster rewards in other categories. Membership Rewards are difficult to redeem for cash back at decent values.
Picking the best credit card for gas: What to look for
Picking the best gas credit card for you may simply be a matter of maximizing rewards and minimizing fees. But if you’re like most people, you’ll want your gas credit card to be useful for other purchases as well. Here are the other things you should consider when picking a gas credit card.
- Rewards on the amount of gas you buy. If you spend less than $500 per month on gas, you won’t run into caps on your rewards with most gas credit cards. But if you spend much more than this, be aware that most cards offering more than 3% rewards cap the amount of bonus rewards you can earn on gas.
- Where you buy your gas. If you buy your gas at a traditional gas station, most of the card on our list will give you great rewards. But if your preferred gas station is a grocery store or warehouse club be aware that you purchase might be coded as a “grocery store” or “warehouse club” purchase. In most cases, these purchases won’t earn bonus rewards on gas unless the card explicitly includes gas purchased at one of these types of businesses in its bonus categories.
- Your other spending. Consider how your gas spending matches up with how much you spend in other categories like groceries, dining, or travel. In many cases, picking a single card that offers increased rewards in multiple categories can get you more total rewards.
- Consumer and travel insurance benefits. An extended warranty or trip delay insurance doesn’t matter for gas purchases, but if you plan on using your card for other purchases, consider the value of these types of benefits.
The best cards for transferable point rewards on gas
If you’re collecting transferable points like Citi ThankYou® Points or Chase Ultimate Rewards®, here are the cards that earn the most points on gas within each of these ecosystems.
- Amex Membership Rewards Points: Use the Amex EveryDay® Preferred Credit Card to earn 2x at U.S. gas stations, and then use the card 30 times in a statement cycle to get a 50% points bonus.
- Capital One Venture Rewards: A card like the Venture X that gets 2x rewards everywhere will offer you the most Venture Rewards points on gas.
- Chase Ultimate Rewards®: The Chase Freedom Flex℠ and Chase Freedom Unlimited® welcome bonuses frequently offer increased rewards on gas through some channel that can get you increased rewards on gas for your first year. On an ongoing basis, the Chase Freedom Unlimited® and Chase Ink Business Unlimited® Credit Card offer 1.5x on purchases everywhere—the best Ultimate Rewards earnings rare you can get on an ongoing basis for gas purchases.
- Citi ThankYou® Points: Use the Citi Custom Cash℠ Card to earn up to 5x or Citi Strata Premier℠ Card to earn 3x on gas.
- Wells Fargo Altitude Points: Use Wells Fargo Autograph℠ Card for all of your gas purchases.
More on the best credit cards for gas
Here are some more details on our picks for the best cards for gas purchases.
Citi Custom Cash℠ Card: 5% cash back on flexible categories, including gas
The Citi Custom Cash℠ Card isn’t marketed as a gas card, but if you use it for gas, you can get up to 5% cash back on up to $500 in gas purchases monthly.
You’ll get the most rewards on gas with the Custom Cash if you use it solely for gas purchases. That’s because the card earns 5% cash back on the first $500 you spent in your top eligible spending category each statement cycle.
The card earns ThankYou® Points, which can be redeemed for cash back rewards or transferred to travel transfer partners if you also hold the Citi Strata Premier℠ card.
Learn more about ThankYou® Rewards, the Citi Custom Cash℠ Card, how how to pick up multiple Citi Custom Cash cards.
Annual fee: $0
This is a direct bank link. All information about the Citi Custom Cash℠ Card has been collected independently by cardsandpoints.com.
Citi Custom Cash℠ Card sign-up bonus
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The 6-month window to earn this bonus makes it an easy bonus to earn.
More about this card
Benefit highlights:
Citi Entertainment® – Access to event ticket pre-sales.
Rewards:
5% cash back on your top eligible spend category each billing cycle, on up to $500 of purchases.
5% eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
1% cash back on all other purchases.
Rewards are earned as ThankYou® Points.
Learn more:
Learn more about the Citi Custom Cash in our review of the card.
See our overview of the ThankYou® Rewards program.
U.S. Bank Altitude® Reserve Visa Infinite® Card: Up to 4.5% travel rewards with mobile wallet, including on gas
The U.S. Bank Altitude® Reserve Visa Infinite® Card doesn’t have gas as a bonus category, but if your preferred gas station lets you pay with a mobile wallet, you can earn a bunch of rewards on your gas purchases.
That’s because the card offers 3x points on every purchase made with Apple Pay®, Google Pay™ and Samsung Pay. Better yet, if you redeem your points for travel, you can get 50% more value, making it effectively a 4.5% rewards card toward travel.
If you redeem your points for travel rewards, the card becomes the best gas credit card to use at Costco, beating out even Costco’s own credit card.
Learn more about the card in our review of the U.S. Bank Altitude® Reserve Visa Infinite® Card.
Annual fee: $400
This is a direct bank link. All information about the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by cardsandpoints.com.
U.S. Bank Altitude® Reserve Visa Infinite® Card sign-up bonus
Earn 50,000 bonus points worth $750 on travel. Just spend $4,500 in the first 90 days of account opening.
You can get a bigger welcome bonus with several other competing cards with similar annual fees.
More about this card
Benefit highlights:
$325 in annual statement credits for travel and dining purchases.
Primary auto rental collision damage waiver.
Trip cancellation and interruption insurance.
Trip delay reimbursement.
Lost luggage reimbursement.
Extended warranty.
Purchase security.
Return protection.
Rewards:
5x on prepaid hotels and car rentals booked with the Altitude Rewards Center.
3x on eligible travel purchases.
3x on mobile wallet purchases made with Apple Pay®, Google Pay™, and Samsung Pay.
1x on other eligible purchases.
Rewards are earned as points which can be redeemed for cash back at 1 cent apiece, or toward travel at 1.5 cents each.
Learn more:
Learn more about in our review of the Altitude Reserve.
Costco Anywhere Visa® Card by Citi: 4% on gas for Costco members
If you are a Costco member, the Costco Anywhere Visa® Card by Citi can get you 4% on up to $7,000 of gas (and electric vehicle charging) per year.
This is a great reward on gas on a card with no annual fee, but your “cash back” rewards come with a catch. You’ll have to wait until after your February statement closes to get your rewards, which will be issued as a reward certificate. You can redeem your annual credit card rewards certificate at Costco.
Learn more from our review of the Costco Anywhere Visa Card.
Annual fee: $0
Requires a paid Costco membership.
This is a direct bank link. All information about the Costco Anywhere Visa® Card by Citi has been collected independently by cardsandpoints.com.
Costco Anywhere Visa® Card by Citi
The Costco Anywhere Visa Card by Citi offers no sign-up bonus.
Even though it has no sign-up bonus, this is probably a good card to get if you have a Costco membership.
More about this card
Benefit highlights:
This card has very limited benefits and no longer includes an extended warranty benefit.
Rewards:
4% on eligible gas and EV charging for the first $7,000 per year. 1% thereafter.
3% on restaurants.
3% on eligible travel.
2% on all other purchases from Costco and Costco.com.
1% on other purchases.
Rewards are earned as an annual credit card reward certificate.
Learn more:
Learn more about the card in our review of the Costco Anywhere Visa card.
Costco Anywhere Visa® Business Card by Citi: 4% on gas for Costco members
The best gas credit card for Costco business members is the Costco Anywhere Visa® Business Card by Citi. The card earns the same 4% rewards on up to $7,000 of gas per year as the personal version of the card.
Like the personal version of this card, you will have to redeem your rewards annually when you get your annual rewards certificate in the mail. Rewards certificates are only redeemable in person at Costco warehouses.
Learn more from our review of the Costco Anywhere Visa Business Card.
Annual fee: $0
Requires a paid Costco membership.
This is a direct bank link. All information about the Costco Anywhere Visa® Business Card by Citi has been collected independently by cardsandpoints.com.
Costco Anywhere Visa® Business Card by Citi
The Costco Anywhere Visa® Business Card by Citi offers no welcome bonus for new cardmembers.
More about this card
Benefit highlights:
No notable benefits.
Rewards:
4% on up to $7,000 a year of gas and EV charging.
3% at restaurants.
3% on eligible travel.
2% at Costco and Costco.com.
1% on other purchases.
Rewards are earned as an annual credit card reward certificate, which is issued once a year after your February statement closes.
Learn more:
Learn more about the Costco Anywhere Visa® Business Card by Citi in our review of the card.
U.S. Bank Altitude® Connect Visa Signature® Card: 4% on a large amount of gas
Currently, if you spend a large amount of money on gas each year, no card offers more rewards on gas than the U.S. Bank Altitude® Connect Visa Signature® Card. This card is the best gas credit card for many fleet managers and business owners.
You’ll get the most from this card if you’re spending more than $10,000 a year on the card’s bonus categories, including gas. At that point, you’ll earn enough marginal rewards to justify the card’s ongoing $95 annual fee.
The card’s benefits and rewards are changing, effective September 9, 2024. On September 9th, you’ll only earn 4x on the first $1,000 of combined gas and EV charging purchases each quarter. Plus you’ll only be able to redeem your points for 0.8 cents each toward cashback redemptions. We cover the full scope of these card changes, but the upshot is that the card becomes much less compelling for gas rewards after September. Expect this card to drop of this list at that time.
Learn about upcoming changes to the Altitude Connect and read our review of the card for more on the card’s perks and benefits.
Annual fee: $0 introductory annual fee for the first year, $95/year thereafter. Effective September 9, 2024, you will enjoy a $0 annual fee.
This is a direct bank link. All information about the U.S. Bank Altitude Connect Visa Signature card has been collected independently by cardsandpoints.com.
U.S. Bank Altitude Connect Visa Signature card sign-up bonus
Earn 50,000 bonus points. Just spend $2,000 in the first 120 days. That’s $500 value redeemable toward cash back. $0 introductory annual fee for the first year, $95/year thereafter. Effective September 9, 2024, you will enjoy a $0 annual fee.
The wording on the annual fee is confusing. In short, if you apply for this card now, you won’t ever pay an annual fee on this card. Be sure to earn the bonus and cash your points out prior to September 9th, 2024. After that date, points become worth only 0.8 cents each toward cash back redemptions.
More about this card
Benefit highlights:
4 Priority Pass lounge visits
Global Entry/PreCheck Credit
Cell phone protection.
Rewards:
5x on prepaid hotels and car rentals booked in bank portal.
4x on travel, gas stations, EV charging.
2x on grocery stores, grocery delivery, dining and streaming services.
1x all other eligible purchases.
Effective September 9, 2024, the rewards structure on this card changes.
Rewards are earned as points redeemable for cash back and travel rewards.
Learn more:
Learn more in our review of the Altitude Connect.
See upcoming changes to the Altitude Connect.
Wells Fargo Autograph℠ Card: Unlimited 3% back on gas with no annual fee
There are a handful of cards with no annual fee that offer 3% rewards on gas. The Wells Fargo Autograph℠ Card stands out because it gives you 3x points on gas and adds a whole lot more.
3x categories include restaurants, travel, gas, transit, popular streaming services and cell phone plans. The card also includes a cell phone protection benefit, making it a reasonably good choice for paying your cell phone bill.
You’ll get the most out of the Wells Fargo Autograph card if you transfer your points to one of Wells Fargo’s travel transfer partners.
Learn more about the card in our review of the Wells Fargo Autograph card.
Annual fee: $0
This is a direct bank link. All information about the Wells Fargo Autograph℠ Card has been collected independently by cardsandpoints.com.
Wells Fargo Autograph℠ Card sign-up bonus
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Reasonable bonus on a card with no annual fee.
More about this card
Benefit highlights:
Cell phone protection.
Secondary auto rental collision damage waiver.
Rewards:
3x at restaurants.
3x on travel.
3x on gas and EV charging.
3x on transit.
3x on popular streaming services.
3x with cell phone providers.
1x everywhere else.
Rewards are earned as Wells Fargo Autograph points.
Learn more:
Learn more in our review of the Wells Fargo Autograph.
Blue Cash Preferred® Card from American Express: 3% on U.S. gas and 6% on U.S. supermarkets
The Blue Cash Preferred® Card from American Express can get you 3% at U.S. gas stations.
The rewards at U.S. gas stations alone aren’t enough to justify this card’s $95 ongoing annual fee. But this card is also one of our best cards for grocery store purchases. If you have the card for its increased rewards on groceries, it’s a fine card to use for gas. 3% cash back is as good or better than you’ll get with no-annual-fee cards. This is the card that I use for gas purchases.
The Blue Cash Preferred® Card from American Express offers a welcome bonus to new cardmembers. Go to our card overview of the Blue Cash Preferred® Card for more on this card.
Blue Cash Everyday® Card from American Express: 3% on gas and other categories with no annual fee
The Blue Cash Everyday® Card gives you 3% back on up to $6,000 of purchases at U.S. gas stations each year, with no annual fee. Beyond its gas rewards, the card offers similar rewards for U.S. online retail purchases and groceries at U.S. supermarkets.
If you’re getting the card just for gas rewards, the Citi Custom Cash is likely a better pick. And for most families that spend a fair amount at U.S. supermarkets, the Blue Cash Preferred® Card from American Express will likely provide more total value.
The Blue Cash Everyday® Card from American Express offers a welcome bonus to new cardmembers. Go to our card overview of the Blue Cash Everyday® Card for more on this card.
Citi Strata Premier℠ Card: Lots of 3x categories and transferable points
The Citi Strata Premier℠ Card is the refresh of the Citi Premier℠ card. It offers 3x ThankYou® Points on gas purchases.
The Citi Strata Premier and the Citi Custom Cash℠ both earn bonus rewards at restaurants, gas stations, and grocery stores. If you’re using your Custom Cash for one of its other categories, the best gas credit card in the ThankYou Points ecosystem becomes the Strata Premier.
Learn more about ThankYou® Rewards or check our our coverage of the Citi Strata Premier℠ Card.
Annual fee: $95
This is a direct bank link. All information about the Citi Strata Premier℠ Card has been collected independently by cardsandpoints.com.
Citi Strata Premier℠ Card sign-up bonus
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The limited-time welcome bonus is a good bonus for a card in this annual fee range.
More about this card
Benefit highlights:
$100 annual hotel benefit.
Trip delay protection.
Trip cancellation and interruption insurance.
Lost and damaged luggage protection.
MasterRental car rental insurance.
Rewards:
10x on hotels, car rentals, and attractions booked through CitiTravel.com
3x on air travel.
3x on other hotel purchases.
3x at restaurants.
3x at supermarkets.
3x at gas stations and EV charging stations.
1x on all other purchases.
Rewards are earned as ThankYou® Points.
Learn more:
Learn more about the Strata Premier in our review of the card.
See our overview of the ThankYou Rewards program.
Bank of America® Customized Cash Rewards credit card: Up to 5.25% cash back on gas with banking relationship status
The Bank of America® Customized Cash Rewards credit card is the best gas credit card for you if you hold $100,000 of assets with Bank of America, thanks to the 1.75x multiplier you’ll get on your rewards with the Preferred Rewards program.
With that multiplier, you can get up to 5.25% cash back on your gas and EV charging purchases. You’ll only earn that much cash back on a limited amount of spending. The card’s base 2% and 3% categories’ increased rewards are capped at $2,500 in spending each quarter.
If you have Bank of America Preferred Rewards with Platinum Honors, it can be worth checking out our review of the Bank of America® Customized Cash Rewards credit card. But if you don’t hold a large amount of assets with Bank of America, most of the other cards on this list will be better choices.
Annual fee: $0
This is a direct bank link. All information about the Bank of America® Customized Cash Rewards credit card has been collected independently by cardsandpoints.com.
Bank of America® Customized Cash Rewards credit card sign-up bonus
$200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening.
The bonus is about average for a card with no annual fee.
More about this card
Benefit highlights:
Extended warranty.
Rewards:
3% cash back in a select category of your choice: gas and EV charging stations, online shopping/cable/streaming/internet/phone plan, dining, travel, drug store/pharmacy, or home improvement/furnishings.
2% cash back at grocery stores and wholesale clubs.
Bonus rewards in 2% and 3% categories are limited to the first $2,500 in spending each quarter. Additional purchases earn 1% cash back
1% cash back on all other purchases.
Rewards get multiplied by up to 1.75x depending on your Bank of America Preferred Rewards status.
Learn more:
Learn more about the card in our review of the Customized Cash.
Read more about the Bank of America Preferred Rewards program.
Amex Amex EveryDay® Preferred Credit Card: 2x Membership Rewards
The Amex EveryDay® Preferred Credit Card may seem like a lackluster option for gas rewards at first glance since it only earn 2x Membership Rewards® points on gas at U.S. gas stations.
But if you use the card 30 or more times on purchases within a billing period, you’ll earn 50% more points on all of your purchases. When you consider this 50% boost, you could be earning 3x points on your U.S. gas station purchases—making it the best gas credit card that earns Membership Rewards.
You’ll only want to consider this card if you’re interested in earning Membership Rewards points—Membership rewards can not be easily redeemed for cash back at a good valuation.
Annual fee: $95
(See Rates and Fees.)
This is a direct bank link. All information about the Amex Amex EveryDay® Preferred Credit Card has been collected independently by cardsandpoints.com.
Amex EveryDay® Preferred Credit Card welcome bonus
Earn 15,000 Membership Rewards® Points after you spend $2,000 in eligible purchases on your Amex EveryDay® Preferred Credit Card within the first 6 months of Card Membership.
This bonus isn’t terribly exciting, but you’ll want to consider this card if your spend a lot of gas and collect Membership Rewards®.
More about this card
Benefit highlights:
Car rental loss and damage insurance.
Extended warranty.
Purchase protection.
Return protection.
Rewards:
3x points at U.S. supermarkets on up to $6,000 per year in purchases.
2x points at U.S. gas stations.
2x points at AmexTravel.com.
1x points on other eligible purchases.
Rewards are earned as Amex Membership Rewards® points.
How we picked
When we create our lists of best cards, we consider a bunch of factors, including rewards rate, annual fee, caps on rewards, and how easy points are to use. We start by selecting baseline card with no annual fee that offers the highest rate of uncapped earnings available to general consumers. In the case of gas, that baseline was the Wells Fargo Autograph℠ Card, which earns 3x points (redeemable for cash back) on an unlimited amount of spending on gas with no annual fee.
Other cards get added to our list if they are better than our baseline card in some cases. Maybe a card with an annual fee gets you more earnings in more categories or offers compelling perks beyond the rewards. Or maybe there’s another card that caps earnings on gas, but the cap is sufficiently high that it won’t limit most peoples’ rewards and the card offers another compelling category or two.
Cards we didn’t consider include any card that earned rewards on gas with a value equivalent to less than 3% cash back. In some cases, we excluded cards that earn more than 3 points per dollar when the points couldn’t be redeemed for cash or travel rewards with an average value that met our benchmark.
Frequently asked questions
What is the best credit card for gas?
The best credit card for gas depends on your spending patterns and how you plan to use your rewards. Our list includes cards that offer up to 5% cash back on gas purchases.
Which card can I use for gas at Costco?
If you’re a Costco member, it probably comes as no surprise that the Costco Anywhere Visa® Card by Citi is a great choice for its 4% rewards on up to $7,000 of gas purchases, but any Visa card can earn you rewards on gas purchases at Costco. You might consider the U.S. Bank Altitude® Reserve Visa Infinite® Card as well. It’s a Visa card that will earn you up to 4.5% toward travel when you tap to pay at the pump.
Are prepaid cards for gas a good idea?
Prepaid cards are rarely a good idea. Prepaid cards have much less protection against fraud if your card member gets stolen. And gas pumps can be easy targets for criminals who install devices in card readers that can steal your credit card number. If you use a card at one of these compromised gas pumps, you might find your prepaid card and your gas tank drained. It’s best to stick with credit cards for gas purchases.
Is there a gas card that can be used anywhere?
All of the gas cards on the Cards and Points list of best gas cards are credit cards, which can be used anywhere credit cards are accepted. A limited number of gas stations may not accept certain types of cards. Costco, for example, only accepts Visa cards. With limited exceptions, the gas cards on our list can be used most places.
