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Credit cards that provide cash rewards for gas are some of the most popular on the market. Almost everyone who drives a car probably buys gas, so a good gas credit card can be very useful, in part to help offset high gas prices.
By Brendan Harkness
Be on the lookout for features like these if you’re in the market for a gas credit card.
By Brendan Harkness
Do you buy gas? Then there’s a good chance you could find value in a gas credit card. Do you buy a lot of gas? Then you’d almost definitely find a gas card useful.
If you’re already spending the money, why not earn some rewards?
A gas credit card is any card with a bonus reward category for purchases at gas stations. There are also some cards that are co-branded with certain gas stations, which are designed to be used primarily with that brand.
Gas credit cards vary quite a bit. Some offer just 2–3% back in rewards or have spending limits, while our top pick, the Ducks Unlimited Card, offers unlimited 5% cash back.
There are many gas cards without annual fees, so you can earn rewards at no cost whatsoever (as long as you avoid accruing interest and other fees).
A gas credit card can be an excellent way to collect cash back or points — if you use it responsibly. Your purchases will typically be covered by some basic shopping protections, and the better cards have some cost-saving perks too.
Like any rewards card, gas cards can help you build credit. Co-branded gas cards in particular are known for approving people with worse credit, which could make them a great option if you’re seeking to earn credit card rewards, but can’t get approved for a good general-use card.
You can use many gas credit cards to earn rewards for purchases at gas stations other than gas, like snacks or certain gift cards. But some specify that only fuel purchases will qualify for the gas bonus category.
Are you an Uber driver? If so, you should check out the Uber Visa Debit Card. It provides 3% cash back at Exxon and Mobil gas stations, 8% back for Sprint purchases, and 10% back at Advance Auto Parts. And there are some other useful features like discounted roadside assistance.
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Most of the cards above are general-use rewards cards, which can be used at any gas station. But there are also co-branded gas credit cards that can only be used at their specific gas station brands. These “gas store credit cards” are similar to retail store cards in that way.
If you already have a member card with a particular gas station, or you always find yourself filling up at the same station over and over, you might find value in its co-branded credit card.
Anyone who does a lot of driving for work should consider a gas rewards card of some kind. Truckers might find these cards useful, as well as Uber and Lyft drivers. Some of these cards are designed for large companies with fleets of drivers.
These cards typically offer fuel discounts, like 5 cents off per gallon. In many cases the rewards are based on your spending: The more gas you buy, the bigger your discount.
But these branded gas cards, unlike the general-use cards above, usually won’t offer rewards for in-store purchases, like food and drinks. You may be able to use the card in the store — you just won’t earn cash back or points for those purchases.
Not every gas station offers a credit card. Keep in mind that some gas cards are issued by smaller companies, rather than the major credit card issuers (like Amex and Chase, for example). That could mean you’ll get sub-par customer support or payment processing systems. If that’s the case, try to pay your bill well before the due date to make sure your payment arrives on time.
Closed-loop refers to co-branded credit cards that can only be used with that particular brand. For example, the ExxonMobil Smart Card below can only be used at ExxonMobil stations. Open-loop refers to cards that can be used anywhere credit cards are accepted, and these will have a logo at the bottom-right (usually Visa or Mastercard).
There are quite a few rewarding gas credit cards, like:
Gas credit cards work like any other credit card.
They usually offer credit card rewards for making purchases at gas stations. These rewards might be in the form of cash back, points, rebates, or gas discounts.
Some gas credit cards are general rewards cards, which offer rewards for gas and possibly other types of purchases. Others are co-branded with specific brands or gas stations, and they might only be accepted at their associated merchants.
Yes, gas credit cards can help you build up your credit.
You just need to make sure that your card reports activity to the credit bureaus. In most cases this isn’t a concern, because most card issuers — including the major credit card companies — report activity to all three consumer credit bureaus.
You may find that some smaller issuers don’t report to all three credit bureaus, but this is rare. If you have any questions, you can always contact your issuer to ask.
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