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September 17, 2024: Fueling your car may not be your greatest expense, but it might be one of your most consistent. Getting a card with great rewards on gas can have a meaningful impact on your personal bottom line.
Fortunately, many of the best credit cards for gas purchases also offer great rewards elsewhere, meaning you might be able to boost the total rewards you earn across a larger swath of spending. And if you’re looking to earn points in a specific bank program, we have those cards on our list, too.
Here are the best credit cards to use for gas.
In this article…
Overview: The cards with the best rewards on gas
 | 5% gas rewards as cash back or ThankYou Points: Citi Custom Cash℠ Card 5% cash back rewards on up to $500 spent each month in the eligible category where you spend the most. Earns ThankYou® Points. No annual fee. |
 | Best for mobile wallet rewards: U.S. Bank Altitude® Reserve Visa Infinite® Card 3% cash back or 4.5% travel rewards when you use mobile wallet. $400 annual fee. |
 | Best cash back for Costco members: Costco Anywhere Visa® Card by Citi 4% back on gas and EV charging for the first $7,000 per year, then 1%. Requires paid Costco membership. No annual fee. |
 | Best cash back for Costco small business members: Costco Anywhere Visa® Business Card by Citi 4% back on gas and EV charging for the first $7,000 per year, then 1%. Requires paid Costco membership. No annual fee. |
 | Up to 4x on gas, paired with uncommonly good travel benefits: U.S. Bank Altitude Connect® Visa Signature® Card 4x on gas stations/EV charging on your first $1,000 each quarter. Points can be redeemed as cash back with some restrictions. No annual fee. |
 | Best for gas and groceries: Blue Cash Preferred® Card from American Express 3% cash back on U.S. gas stations. Market-leading rewards at U.S. supermarkets. Annual fee: annual_fees. (See Rates and Fees) |
 | Uncapped 3x points at gas stations: Wells Fargo Autograph℠ Card 3x points at gas stations and EV charging stations. $0 annual fee. |
 | No annual fee 3% cash back at U.S. gas stations: Blue Cash Everyday® Card from American Express 3% cash back on U.S. online retail purchases, on up to $6k in purchases each year, then 1%. $0 annual fee. (See Rates and Fees) |
 | Most (uncapped) ThankYou® points on gas: Citi Strata Premier℠ Card 3x ThankYou Points at gas and EV charging stations. $95 annual fee. |
 | Most Ultimate Rewards® points on gas: Ink Business Cash® Credit Card 2% cash back (as Ultimate Rewards® points) on your first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. $0 annual fee. |
 | Best cash back on gas from a BofA card: Bank of America® Customized Cash Rewards Possible to get up to 5.25% cash back on gas with a banking relationship. See details below. $0 annual fee. |
How we picked: Considering the best rewards on gas plus the bigger picture
One might think that picking the best gas credit card may simply be a matter of finding the greatest cash back on gas purchases. Done. But we went deeper than that with our analysis.
You might spend a ton on gas—maybe you’re fueling a work truck and driving 300+ miles a day. Getting a credit card for gas might mean several hundred dollars of rewards, or more, each year. And you definitely don’t want rewards caps. Or you might drive a hybrid and work from home. Maybe gas isn’t a huge line item in your budget, but you’d like some additional rewards and want a card that earns rewards on gas in addition to being a useful card elsewhere.
When we selected the best cards for gas purchases, we took a variety of use cases into account. Here were our largest considerations:
- Gas rewards earning rate. In any list of the best cards to use for gas purchases, the rate of rewards you earn is going to be the top-line number.
- Ability to use rewards for cash back. Not all points are created equal. We prioritize cash back rewards, but we also include picks for points collectors who want to earn points in a specific program.
- Earning caps on gas. Many cards cap the amount of increased rewards you can earn on gas. We only included cards with earning caps we considered reasonable for most people. We also included cards with no earning caps for those who spend a lot on gas.
- Annual fees. Paying an annual fee can eat up a lot of the value of the rewards you earn. We only included cards with annual fees where we could see that the rewards you earn and benefits you receive could outweigh the annual fee.
- How useful the card is elsewhere. You may not want to carry a credit card for just gas purchases—several cards on our list earned their places when we considered the total picture of how you might use a card.
More on the best cards for gas rewards
Here’s a bit more detail on the best cards to use for gas purchases. You can learn more about these cards here or in dedicated card guides that we have built for many of these cards (linked below).
5% gas rewards as cash back or ThankYou Points: Citi Custom Cash℠ Card
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 (or mostly) 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.
In our view, the best way to maximize the card’s rewards is to use it for a single 5% eligible category. Keep in mind that you can also get multiple Custom Cash cards.
Learn more about ThankYou® Rewards, the Citi Custom Cash℠ Card, and how to pick up multiple Citi Custom Cash cards.
Annual fee: annual_fees
All information about the Citi Custom Cash℠ Card has been collected independently by cardsandpoints.com.
The Citi Custom Cash℠ Card can be a great choice for gas because it offers 5% rewards on up to $500 spent in your highest eligible category each statement cycle.
Welcome offer
Best sign-up bonus: bonus_miles_full
This bonus is marketed as cash back, but earned as ThankYou® Points.
Rewards
- 5% cash back on your top eligible spend category each billing cycle on up to $500 spent.
- 5% on hotels, car rentals, and attractions booked on the Citi Travel℠ portal through 6/30/2025.
- 1% cash back on all other purchases.
Rewards are marketed as cash back, but earned as Citi ThankYou® points.
5% eligible categories
5% eligible categories include:
- Restaurants
- Gas stations
- Grocery stores
- Select travel
- Select transit
- Select streaming services
- Drugstores
- Home improvement stores
- Fitness clubs
- Live entertainment
Benefits
The Citi Custom Cash℠ Card offers no notable benefits beyond its rewards.
Best for mobile wallet rewards: U.S. Bank Altitude® Reserve Visa Infinite® Card
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.
Before you let the card’s $400 annual fee scare you off, know that you’ll get $325 of that back as a statement credit automatically when you charge that much in eligible dining or travel expenses to your card.
And the card is usable for more than gas. 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
Foreign transaction fee: None
All information about the U.S. Bank Altitude® Reserve Visa Infinite® card has been collected independently by cardsandpoints.com.
The U.S. Bank Altitude® Reserve Visa Infinite® card offers some of the best rewards—equivalent to 3% cash back or 4.5% travel rewards—at gas stations and anywhere else you use the card with mobile wallet to pay.
Sign-up bonus
Earn 50,000 bonus points worth $750 on travel. Just spend $4,500 in eligible net purchases in the first 90 days. Learn how to apply.
Rewards
- 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
- 3x points on mobile wallet spending with Apple Pay®, Google Wallet, and Samsung Pay.
- 3x points on eligible travel purchases.
- 1x points on all other eligible purchases.
Rewards are earned as Altitude Rewards points.
Altitude Rewards points can be redeemed for cash back at 1 cent per point or used to book travel through the Altitude Rewards center at 1.5 cents per point. You can also redeem your points against travel purchases through Real Time Rewards at 1.5 cents per point.
Benefits
Consumer insurance benefits
- Extended warranty protection.
- Purchase security.
- Return protection.
- Personal identity theft protection.
Travel insurance benefits
- Auto rental collision damage waiver.
- Lost luggage reimbursement.
- Travel accident insurance.
- Emergency evacuation and transportation.
- Trip cancellation/interruption coverage.
- Trip delay reimbursement.
- Travel and emergency assistance services.
Travel benefits
- Airport lounge access. Complimentary Priority Pass™ Select membership with 8 free visits annually.
- TSA PreCheck or Global Entry statement credit.
Partner benefits and statement credits
- $325 annual statement credit for eligible travel and dining purchases.
- Free Shipt membership until 12/31/24 with enrollment. After free membership expires, you are automatically enrolled in an annual Shipt membership at then-current prices until you cancel.
Best cash back for Costco members: Costco Anywhere Visa® Card by Citi
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 guide to the Costco Anywhere Visa Card.
Annual fee: $0
Foreign transaction fee: None
All information about the Costco Anywhere Visa® Card by Citi has been collected independently by cardsandpoints.com.
The Costco Anywhere Visa® Card by Citi 4% on eligible gas and EV charging, up to $7,000 per year, making it one of the best cards to use for gas at Costco or elsewhere.
Sign-up bonus
Best sign-up bonus: Earn a $75 statement credit after spending $1,500 within the first 3 months of account opening. Offer valid 10/3/24 – 10/27/24.
This bonus is earned as a statement credit.
Rewards
- 4% on eligible gas and EV charging for the first $7,000 per year. 1% thereafter.
- 3% at restaurants.
- 3% on eligible travel, including Costco travel.
- 2% on all other purchases at Costco and Costco.com.
- 1% on all other purchases.
Rewards are marketed as cash back, but you will only receive your rewards once a year as a paper rewards certificate.
In your February billing statement, you will receive a reward certificate for your accumulated rewards. This reward certificate is redeemable at U.S. Costco warehouses for cash or merchandise.
Benefits
Consumer insurance benefits
- Purchase protection.
Travel insurance benefits
- Worldwide car rental insurance.
- Travel accident insurance.
- Travel and emergency assistance services.
Best cash back for Costco small business members: Costco Anywhere Visa® Business Card by Citi
If you’re needing a small business card for your gas purchases, prefer cash back, and are a Costco member, the Costco Anywhere Visa® Business Card by Citi is an excellent choice. 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 guide to the Costco Anywhere Visa Business Card.
Annual fee: $0
Foreign transaction fee: None
All information about the Costco Anywhere Visa® Business Card by Citi has been collected independently by cardsandpoints.com.
The Costco Anywhere Visa® Business Card by Citi offers small business owners 4% on eligible gas and EV charging, up to $7,000 per year.
Sign-up bonus
Best sign-up bonus: Earn a $75 statement credit after spending $1,500 within the first 3 months of account opening. Offer valid 10/3/24 – 10/27/24.
This bonus is earned as a statement credit.
Rewards
- 4% on eligible gas and EV charging for the first $7,000 per year. 1% thereafter.
- 3% at restaurants.
- 3% on eligible travel, including Costco travel.
- 2% on all other purchases at Costco and Costco.com.
- 1% on all other purchases.
Rewards are marketed as cash back, but you will only receive your rewards once a year as a paper rewards certificate.
In your February billing statement, you will receive a reward certificate for your accumulated rewards. This reward certificate is redeemable at U.S. Costco warehouses for cash or merchandise.
Benefits
Consumer insurance benefits
- Purchase protection.
Travel insurance benefits
- Worldwide car rental insurance.
- Travel accident insurance.
- Travel and emergency assistance services.
Up to 4x on gas, paired with uncommonly good travel benefits: U.S. Bank Altitude Connect® Visa Signature® Card
The U.S. Bank Altitude® Connect Visa Signature® Card is a good option if you’re not a Costco member or have other plans for your Citi Custom Cash℠ Card. The card becomes a great option if you also travel occasionally and value the card’s travel benefits.
You’ll earn 4x points on up to $1,000 in combined purchases at gas stations and EV charging stations, which is nothing to sneeze at on a card with no annual fee. This comes out to just over $330 in gas spending a month—and we think that most families spend less than this on gas in a typical month.
But where the card really shines is in its travel benefits. You can learn about those over in our guide to the Altitude Connect.
Recent changes to the card capped the rewards on gas to $1,000 in purchases every 3 months, but also lowered the ongoing annual fee from $95 to $0. Read more about the changes to the Altitude Connect.
Annual fee: $0
Foreign transaction fee: None
All information about the U.S. Bank Altitude® Connect Visa Signature® Card has been collected independently by cardsandpoints.com.
The U.S. Bank Altitude® Connect Visa Signature® Card offers 4x points on gas and EV charging on the first $1,000 you spend in these categories each quarter.
Sign-up bonus
The U.S. Bank Altitude® Reserve Visa Infinite® Card has been discontinued and is no longer available to new cardmembers.
Rewards
- 5x on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
- 4x on travel.
- 4x at gas stations/EV charging stations
on your first $1,000 each quarter. Excludes discount stores/supercenters and wholesale clubs. - 2x on dining.
- 2x on streaming services.
- 2x at grocery stores
excludes discount stores/supercenters and wholesale clubs. - 1x on all other eligible purchases.
Rewards are earned as Altitude Connect points, which can be redeemed for travel through the Altitude Rewards Center, a deposit to a qualifying U.S. Bank account, and charity at 1 cent per point. Other redemptions have less value. Note that cash back redemptions other than deposits to a U.S. Bank account will net you 0.8 cents per point.
Benefits
Consumer insurance benefits
The U.S. Bank Altitude® Connect Visa Signature® Card does not offer any consumer insurance benefits.
Travel and travel insurance benefits
- Priority Pass™ Select membership with 4 free visits per year.
- TSA PreCheck® or Global Entry® credit.
- Complimentary GigSky global mobile data plans.
- Trip cancellation and interruption.
- SmartDelay.
- Roadside dispatch.
- Travel accident benefit.
- Trip delay reimbursement.
- Travel and emergency assistance services.
Partner benefits and statement credits
- 3 months of free Shipt membership, then 9 months at 50% off.
Best for gas and groceries: Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express can get you 3% cash back rewards at U.S. gas stations. Of course, there are other cards on our list that earn equivalent rewards with no annual fee, so why does this card get a spot on our list?
It’s when you consider the card’s other rewards that the Blue Cash Preferred starts to justify its annual fee (annual_fees See Rates and Fees). The card is one of our best cards for grocery store purchases and one of the best cards for streaming as well. This is the card that I use for gas purchases.
The Blue Cash Preferred® Card from American Express features a welcome offer for new cardmembers. Go to our card overview of the Blue Cash Preferred® Card for more on this card.
Annual fee: annual_fees (See Rates and Fees)
The Blue Cash Preferred® Card from American Express offers plenty of value in addition to its 3% cash back rewards at U.S. gas stations.
Welcome offer
Best welcome offer: bonus_miles_full
Read more about the Blue Cash Preferred welcome offer.
This bonus is earned as a statement credit.
Rewards
- 6% on groceries at U.S. supermarkets.
on up to $6,000 per year of purchases, then 1%. - 6% on select U.S. streaming subscriptions.
- 3% on gas at U.S. gas stations.
- 3% on transit, including taxis, rideshare, parking, tolls, trains, busses, and more.
- 1% on other purchases.
Rewards are earned as cash back reward dollars that can be redeemed as a statement credit.
Benefits
Consumer insurance benefits
- Purchase protection. Covers eligible purchases against theft or accidental damage up to $1,000 per covered purchase and up to $50,000 per account per calendar year. Exclusions and terms apply.
- Return protection. Covers eligible purchases up to $300 per item and $1,000 per account per calendar year if the seller of an item won’t take it back within 90 days from the date of purchase. Purchases must be made in the U.S. or its territories. Terms and restrictions apply.
- Extended warranty. Provides up to one year of coverage equivalent to the manufacturer’s original warranty on eligible items with warranties of 5 years or less. Coverage limited to $10,000 per item and $50,000 per account per calendar year. Terms and restrictions apply.
Travel insurance benefits
- Car rental loss and damage insurance.
- Global assist hotline.
Partner benefits and statement credits
- $84 Disney Bundle Credit. Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing U.S. subscription to the Disney Bundle. Enrollment required.
- Amex Offers. Receive statement credits or extra rewards with targeted offers from select merchants. Enrollment required.
Uncapped 3x points at gas stations: Wells Fargo Autograph℠ Card
The Wells Fargo Autograph℠ Card might be the most compelling card for gas rewards if you’re looking for a card with no annual fee and uncapped rewards on gas, or if you’re collecting Wells Fargo Autograph points.
The card earns 3x points on an unlimited amount of spending at gas stations and EV charging stations, plus 3x points in a bunch of other useful categories. While it doesn’t include much in the way of benefits, its 3x categories typically align with places you won’t be needing an extended warranty anyway. Most people will want to paid the Autograph with another card for general spending.
Learn more in our guide to the Wells Fargo Autograph℠ Card.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
All information about the Wells Fargo Autograph℠ Card has been collected independently by cardsandpoints.com.
The Wells Fargo Autograph℠ Card offers 3x points in several useful categories, but a limited selection of consumer insurance benefits.
Sign-up bonus
Best sign-up bonus: bonus_miles_full
This bonus is earned as Wells Fargo Autograph points.
Rewards
- 3x at restaurants—dining in, taker-out, catering, delivery, and more.
- 3x on travel—airfare, hotels, car rentals, cruises, and more.
- 3x at gas stations and electric vehicle charging stations.
- 3x on transit—subways, ride shares, parking, tolls, and more.
- 3x on popular streaming services.
- 3x on phone plans—cell phone and landline providers.
- 1x on other purchases.
Rewards are earned as Wells Fargo Autograph points, which can be redeemed for travel or cash back.
Benefits
Consumer insurance benefits
- Cellular telephone protection
Travel insurance benefits
- Auto rental collision damage waiver.
- Travel and emergency assistance services.
- Roadside dispatch.
Up to 3% cash back at U.S. gas stations with no annual fee: Blue Cash Everyday® Card from American Express
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. (See Rates and Fees) 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 features a welcome offer for new cardmembers. Go to our card overview of the Blue Cash Everyday® Card for more on this card.
Annual fee: annual_fees (See Rates and Fees)
The 3% cash back rewards at U.S. gas stations on up to $6,000 in purchases per year (then 1%) make the Blue Cash Everyday® Card from American Express an excellent option for cash back rewards on gas.
Welcome offer
Earn a $200 statement credit after you spend $2,000 on purchases on your new Card in your first 6 months of Card Membership. Plus receive 10% back, up to $150, as a statement credit on purchases at restaurants worldwide within the first 6 months of Card Membership. Learn how to apply for this Resy exclusive offer.
All information about the Blue Cash Everyday® Card from American Express has been collected independently by cardsandpoints.com.
Rewards
- 3% on groceries at U.S. supermarkets
on up to $6,000 per year of purchases, then 1%. - 3% on U.S. online retail purchases
on up to $6,000 per year of purchases, then 1%. - 3% on gas at U.S. gas stations
on up to $6,000 per year of purchases, then 1%. - 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
- Purchase protection. Covers eligible purchases against theft or accidental damage up to $1,000 per covered purchase and up to $50,000 per account per calendar year. Exclusions and terms apply.
Travel insurance benefits
- Car rental loss and damage insurance.
- Global assist hotline.
Partner benefits and statement credits
- $84 Disney Bundle Credit. Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing U.S. subscription to the Disney Bundle. Enrollment required.
- $180 Home Chef Credit. Receive up to $15 per month in statement credits when you purchase an auto-renewing U.S. subscription for Home Chef meal kits.
- Amex Offers. Receive statement credits or extra rewards with targeted offers from select merchants. Enrollment required.
Most (uncapped) ThankYou® points on gas: Citi Strata Premier℠ Card
Within the Citi ThankYou Rewards ecosystem, the Citi Custom Cash℠ will earn you the highest rate of rewards on gas purchases, but you might opt to use the Citi Strata Premier℠ Card instead.
The Strata Premier offers unlimited 3x ThankYou® Points on gas purchases and allows you to use your Custom Cash for a category where you spend more (or couldn’t otherwise earn 3x points).
The card is also a good choice if you spend a lot on gas, such that you’re exceeding the $500/month cap on bonus rewards of the Custom Cash.
Learn more about ThankYou® Rewards or check our our coverage of the Citi Strata Premier℠ Card.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
All information about the Citi Strata Premier℠ Card has been collected independently by cardsandpoints.com.
The Citi Strata Premier℠ Card is a staple of the ThankYou® Points wallet, earning bonus rewards in a variety of travel categories, plus restaurants, supermarkets, gas stations and EV charging.
Sign-up bonus
Best sign-up bonus: For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
This bonus is earned as Citi ThankYou® Points.
Rewards
- 10x on hotels, car rentals, and attractions booked through CitiTravel.com
- 3x on air travel and 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 Citi ThankYou® Points.
Benefits
Consumer insurance benefits
- Extended warranty.
- Damage & theft purchase protection.
Travel insurance benefits
- Trip delay protection.
- Common carrier trip cancellation and insurance protection.
- Lost and damaged luggage coverage.
- MasterRental coverage.
Travel benefits
- $100 annual hotel benefit. Get $100 off a single hotel stay of $500 or more booked through CitiTravel.com.
Rewards benefits
- Point transfers to partners.
Most Ultimate Rewards® points on gas: Ink Business Cash® Credit Card
If you want to collect Chase Ultimate Rewards® points for your gas purchases, your card of choice is the Ink Business Cash® Credit Card.
The card is marketed as earning cash back rewards, but it earns Ultimate Rewards points behind the scenes. This means that its 2% gas rewards get awarded as 2 Ultimate Rewards points per dollar. You’ll earn this much on all of your combined gas and restaurant purchases until you spend a combined $25,000 each account anniversary year. After that, you’ll earn 1% on these purchases.
At the time we published this, the in-branch sign-up bonus of the Chase Freedom Unlimited® offered a 5% gas and grocery offer in the first year. (The in-branch bonus of the Chase Freedom Flex® offered a similar bonus.) We independently verified these offers, but keep in mind that they may be pulled at any time and may not be available when you read this.
Learn more in our guide to the Ink Business Cash® Credit Card.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
You can get up to 2x Ultimate Rewards points on gas with the Ink Business Cash® Credit Card. 2x rewards are limited to $25,000 spent on combined gas station and restaurant purchases each account anniversary year.
Sign-up bonus
Best bonus online: bonus_miles_full
Read more about the current Ink Cash sign-up bonus.
This can be by far the most lucrative Chase Ink bonus if you also have a Chase Business Checking account and use the card for your business spending. It is also the easiest Chase Ink bonus to earn.
Rewards
- 5% at office supply stores and on internet, cable, and phone services
on the first $25,000 of combined purchases each account anniversary year. - 5% on Lyft rides through March 31, 2025.
- 2% at gas stations and restaurants
on the first $25,000 of combined purchases each account anniversary year. - 1% on other purchases.
Rewards are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Auto rental collision damage waiver.
- Travel and emergency assistance services.
Best cash back on gas from a BofA card: Bank of America® Customized Cash Rewards
If you have significant assets with Bank of America and qualify for a status level in the Bank of America Preferred Rewards program, your best credit card to use for gas might be the Bank of America® Customized Cash Rewards credit card.
When you qualify for Platinum Honors or higher status in the Preferred Rewards program, you’ll get a 1.75x multiplier on your Customized Cash rewards. With that multiplier, you can get up to 5.25% cash back on your gas and EV charging purchases with the card.
You’ll need to choose “Gas and EV Charging Stations” to earn a base 3% cash back on gas, which gets boosted up to 5.25%, thanks to the Preferred Rewards multiplier. Be aware that increased rewards are capped at $2,500 in spending each quarter—after that, you’ll earn 1%.
Learn more about the Bank of America® Customized Cash Rewards credit card and the BofA Preferred Rewards program.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
All information about the Bank of America® Customized Cash Rewards Credit Card has been collected independently by cardsandpoints.com.
The Bank of America® Customized Cash Rewards Credit Card can get you up to 5.25% cash back on gas if you’re a Preferred Rewards member with Platinum or higher status.
Sign-up bonus
bonus_miles_full Learn how to apply.
Rewards
- 3% in the category of your choice.
- 2% at grocery stores and wholesale clubs.
- 1% on all other purchases.
You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Rewards are earned as cash back. If you have Bank of America Preferred Rewards, you’ll receive additional rewards based on your rewards multiplier of up to 1.75. Your rewards multiplier is based on your relationship with Bank of America and Merrill.
3% choice categories
Choose one of the following categories to earn 3% cash back:
- Gas and EV charging stations.
- Online shopping, including cable, internet, phone plans, and streaming.
- Dining.
- Travel.
- Drug stores and pharmacies.
- Home improvement and furnishings.
You can change your choice category once each calendar month. You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Benefits
Consumer insurance benefits
- Extended warranty protection.
Travel insurance benefits
- Travel and emergency assistance services.
Frequently asked questions
The best credit card for gas depends on your spending patterns and how you plan to use your rewards. You can easily get 3% cash back on your gas purchases using a card with no annual fee. But you can earn more if you’re a member of a warehouse club, have a banking relationship, or pay an annual fee.
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.
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.
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.
It is better to buy gas with a credit card. Most gas stations use pay-at-the-pump terminals that can be targets for fraudsters who install devices called “skimmers” to rip off your card number. While credit cards have robust consumer protections and limits on the amount of money you’ll owe if someone fraudulently uses your card, debit cards have fewer protections and deduct money directly from your bank account.
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American Express card disclosures
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Amex Extended Warranty benefit disclosure: When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Basic Purchase Protection benefit disclosure: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Return Protection benefit disclosure: With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
Amex Basic Car Rental Loss and Damage Insurance disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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