Best Gas Credit Cards: 2018

Brendan Harkness

Brendan Harkness

Updated Oct 08, 2018

Credit cards that provide cash rewards for gas are some of the most popular on the market. Almost everyone who drives a car buys gas, so a good gas credit card can be very useful, in part to help offset high gas prices.

Some gas reward cards have annual fees, while others do not. Many of them offer rewards in two different bonus categories, and come with at least some basic benefits.

Our picks for the best gas cards provide cash back for gas no matter where you buy it, and aren’t limited to one gas station or another. These first three cards are the best general options for the average person. They’re followed by our best picks for a variety of different categories.

If you’re looking for cards that are co-branded with particular gas stations, check them out below.

Credit Card Insider’s Picks for The Best 3 Gas Credit Cards Overall

 

  • 5% cash back at gas stations and sporting goods stores
  • Either Visa Platinum or Visa Signature benefits
  • No annual fee

 

  • 3X points per dollar on gas, restaurants, travel, and streaming services (equivalent to 3% cash back)
  • 30,000 bonus points for spending $3,000 in the first 3 months
  • No annual fee

 

  • 3% cash back at gas stations and restaurants
  • $100 signup bonus
  • Doesn’t require AARP membership

 

Credit Card Insider’s Picks for Top Gas Cards by Category

Best Gas Card for Card
Travelers Hilton Honors™ Card from American Express
Rotating Reward Categories Discover it®
Signup Bonus Discover it® Chrome
Bad Credit Discover it® Secured
Students Discover it® Chrome for Students
Military Members/Families USAA Cashback Rewards Plus American Express®
Costco Members Costco Anywhere Visa® Card by Citi
Sam’s Club Members Sam’s Club® Mastercard®

The 3 Best Gas Credit Cards

Ducks Unlimited Rewards Visa Signature Card

The Ducks Unlimited Rewards Visa Signature® Card has the best gas station bonus category, with no cap to the amount of cash back you can earn at the 5% rate.

Ducks Unlimited Rewards Visa Signature® Card
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Ducks Unlimited Rewards Visa Signature® Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 20.49% Variable
Quick Card Facts
  • 5% cash back at gas stations and sporting goods stores
  • 1% cash back everywhere else
  • Visa Platinum or Visa Signature benefits, depending on creditworthiness
  • No annual fee
  • Foreign transaction fee of 3%
  • A portion of every purchase goes to help fund wetland conservation
Spending Rewards
  • 5% cash back at:
    • gas stations
    • sporting goods stores
  • 1% cash back for every other purchase

The Ducks Unlimited is a pretty simple card, with no signup bonus, but if you spend a lot of money on gas every year this is your best option.

There are some other cards that can provide 5% back for gas, like the Discover it® Cash Back Credit Card (Review) and Chase Freedom (Review). Unlike the Ducks Unlimited card, these two only offer the gas category for three months out of the year, and then it’s limited to the first $1,500 you spend. You can only earn a maximum of $75 cash back at the 5% rate with those cards.

So if you’re going to buy a lot of gas throughout the year, this is the only card that can give you 5% back the entire time. If you don’t spend as much on gas you may be able to get the same value from one of the rotating category cards. Just use it to buy gas gift cards while the category is active, so you can use them throughout the year.

The Ducks Unlimited is available at the Visa Signature level if your credit limit is $5,000 or above. Otherwise you’ll get a Visa Platinum, which just comes with some basic benefits.

Other Key Terms & Features

  • Free FICO 9 Credit Score: Check your FICO 9 score for free, whenever you’d like.
  • Visa Platinum Benefits: Basic Visa Platinum protections may include Roadside Dispatch and an Auto Rental Collision Damage Waiver.
  • Possible Visa Signature Benefits: Upgraded Signature benefits may include Purchase Protection, Return Protection, Trip Delay Reimbursement, and others.
  • No annual fee

Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express® Card (Review) has an interesting rewards program with four different categories, most of them related to travel.

Wells Fargo Propel American Express® Card
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Wells Fargo Propel American Express® Card

For People with
Good Credit

  • Annual Fee: None
  • Interest Rate: 14.24%–26.74% Variable
Quick Card Facts
  • 3X points at restaurants, gas stations, on travel, and on eligible streaming services
  • 30,000 bonus points for spending $3,000 in the first 3 months
  • 0% APR for purchases and balance transfers for 12 months, then 14.24–26.74% APR
  • No foreign transaction fees
  • American Express shopping and travel benefits
  • Free access to one of your FICO 8 Credit Scores
Spending Rewards
  • 3X points per dollar:
    • at gas stations
    • at restaurants
    • on travel
    • on eligible streaming services
  • 1X point per dollar on all other purchases
Signup Bonus Offer
  • 30,000 bonus points for spending $3,000 on purchases in the first 3 months of account opening
    • Value: $300
    • Return on spend: 10%

Your points will be worth 1 cent each, so you’ll be earning the equivalent of 3% cash back in the categories above. You can redeem in a variety of different ways, like statement credits or for travel expenses, but you’ll only get a maximum of 1 cent per point.

This is a relatively new card, primarily aimed at travelers but also featuring the streaming services category. The eligible streaming services are:

  • Hulu
  • Netflix
  • Apple Music
  • Pandora
  • Sirius XM Radio
  • Spotify Premium

3% cash back might be the best deal you’ll find for streaming services, although more cards will probably start including this as a category.

The Propel card is pretty good for gas alone, but the other bonus categories make it much more useful. Depending on your spending habits, it might be the right card for you.

Other Key Terms & Features

  • Entertainment Access: Get special offers and access to presale tickets for big events.
  • Free FICO 9 Credit Score: Check your FICO credit score for free whenever you’d like, based on your Experian credit report.
  • Shopping and travel protections: Including Purchase Protection, Extended Warranties, Worldwide Inconvenience Insurance, and Travel Accident Insurance.
  • 12-month 0% intro APR: For both purchases and balance transfers.
  • No annual fee
  • No foreign transaction fees

AARP Visa Signature Card

The AARP® Credit Card From Chase does not require membership in the AARP, despite its name. Anyone can apply for this cash back credit card.

AARP® Credit Card From Chase
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AARP® Credit Card From Chase

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 17.99–24.74% Variable
Quick Card Facts
  • Earn 3% cash back at restaurants and gas stations
  • Earn 1% cash back on all other purchases
  • There is no limit to the amount of rewards you can earn
  • Rewards never expire

The information for AARP® Credit Card From Chase has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

Spending Rewards
  • 3% cash back at:
    • gas stations
    • restaurants
  • 1% cash back for every other purchase
Signup Bonus Offer
  • $100 cash bonus for spending $500 in the first 3 months after account opening
    • Return on spend: 20%

These rewards might seem modest at first glance. But this is actually a pretty great deal compared to most other reward credit cards. Many cards have a 3% and a 2% category, but the AARP card offers 3% at both gas stations and restaurants. The signup bonus is pretty easy to get, too.

Most of the redemption options provide 1 cent for every cent in cash back you earn. But when redeeming for travel expenses you’ll actually get 1.12 cents for every cent you’ve earned. This is a nice little bonus of over 10% compared to the normal method, so be sure to redeem for travel whenever possible.

When redeeming for travel, you’ll end up getting a cash back equivalent of 3.36% at gas stations and restaurants.

This card is available at either the basic Visa Platinum or the upgraded Visa Signature level. If you qualify with a credit limit of at least $5,000 you’ll get the Visa Signature. Otherwise you’ll receive the Visa Platinum.

Other Key Terms & Features

  • Visa Signature Luxury Hotel Collection: Provides discounts and complimentary services while traveling.
  • Visa Signature Concierge: A personal assistant you can call for non-emergency help with all kinds of tasks, like making reservations or getting travel information.
  • Shopping Discounts: A wide variety of deals at select retailers, some of which can be quite deep.
  • Platinum Benefits: Platinum-level cards come with benefits like Purchase Protection, Return Protection, and Extended Warranties.
  • No annual fee

Best Gas Credit Card Categories

If you have a particular lifestyle or some specific needs, a different gas credit card might be right for you. Maybe you travel a lot, tend to make a variety of different purchases, or don’t have the best credit. Whatever the case may be, you can probably find a gas card to suit your lifestyle.

Best for Travelers

The Hilton Honors™ Card from American Express is designed for travelers who frequently stay at Hilton properties. It has no annual fee.

Hilton Honors™ Card from American Express
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Hilton Honors™ Card from American Express

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 17.74%–26.74% Variable
Quick Card Facts
  • 7X Hilton Honors points per dollar at Hilton-branded hotels and resorts
  • 12X additional Base points per dollar at eligible Hilton properties from Silver status
  • 5X points per dollar at US restaurants, US gas stations, US supermarkets
  • 3X points per dollar on regular spending
  • 75,000 Hilton Honors Points Bonus after spending $1,000 in the first 3 months
  • Automatic Hilton Honors Silver Status
  • Gold status if you spend $20,000/year
Spending Rewards
  • 19X or more Hilton Honors Points per dollar spent at participating hotels and resorts in the Hilton Portfolio
    • 7X Hilton Honors Bonus Points from the card
    • 12X or more Base Points per dollar for being a Hilton member
  • 5X Hilton Honors Bonus Points per dollar at:
    • U.S. restaurants
    • U.S. supermarkets
    • U.S. gas stations
  • 3X Hilton Honors Bonus Points per dollar on all other eligible purchases
Signup Bonus Offer
  • 75,000 Hilton Honors Bonus Points after spending $1,000 on purchases in the first 3 months after account opening
    • Value: $450 (assuming 0.6 cents per point)
    • return on spend: 37.5%

You’ll need to redeem your points through the Hilton Honors system. That’s not a bad thing because it has quite a few options like free night stays, vacation packages, and resort-specific services.

The value of your points will vary based on how you redeem them. It will depend on the particular hotel, time of year, location, etc. But if you take 0.6 cents as the valuation, the 5X points at gas stations will provide a cash back equivalent of 3%.

This is a solid deal for a card with no annual fee. And you’ll be earning around 11.4% cash back when making purchases from Hilton at the 19X rate, depending on the value you get for your points. But once again this is a travel credit card designed for people on the move, who often find themselves in Hilton hotels, and it won’t be very useful otherwise.

Other Key Terms & Features

  • Complimentary Hilton Honors Silver Status: Includes a point bonus, room upgrades when available, late checkout, and more.
  • Fast track to Gold Status: Upgrade to Gold Status by spending $20,000 or more with the card in a given year.
  • Benefits from Amex: Such as Entertainment Access and complimentary ShopRunner membership.
  • Amex shopping and travel benefits: Including Purchase Protection, Extended Warranties, a Baggage Insurance Plan, and more.
  • No annual fee
  • No foreign transaction fees

Best for Rotating Reward Categories

Some reward credit cards have bonus categories that rotate every 3 months, instead of providing a set amount throughout the year. These cards will usually have gas stations as one of the categories.

The best rotating reward card for gas is the Discover it® Cash Back Credit Card (Review), which has no annual fee. The truly impressive thing about this card is the Cashback Match, which doubles all the cash back you earn in your first year.

Discover it® Cash Back Credit Card
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Discover it® Cash Back Credit Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 13.99%–24.99% Variable
Quick Card Facts
  • Double all the cash back you've earned at the end of your first year automatically
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more - up to the quarterly maximum when you sign up.
  • 0% intro APR on purchases & balance transfers for 14 months — then a variable purchase APR applies, currently 13.99%–24.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No over limit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”
Spending Rewards
  • 5% cash back on the first $1,500 spent per quarter, in categories that rotate throughout the year (see calendar below)
  • 1% cash back on all other purchases
  • Discover Deals: 5–50% cash back at a variety of retailers
Signup Bonus Offer
  • Cashback Match: New cardmembers get double the cash back earned in the first year

Take note that you must manually activate your 5% cash back rewards every quarter, and you won’t earn at the 5% rate until you do. This is as simple as logging in and clicking “Activate.” You can activate months in advance, so be sure to do so.

The 5% cash back calendar for the Discover it for 2018 is:

Quarter 5% Cash Back Category
January – March Gas Stations & Wholesale Clubs
April – June Grocery Stores
July – September Restaurants
October – December Amazon.com & Wholesale Clubs

As you can see, you would get 5% cash back on gas purchases from January through March in 2018. Although this only lasts for a few months, you’ll have other categories throughout the year in which you can earn rewards.

A good strategy could be to buy gift cards for your favorite gas stations during the three months in which you’ll earn 5% cash back at gas stations. Then you can use those gift cards to fill up your tank throughout the year, having already earned your 5% discount when you originally bought them. Be sure to pay off your statement balance in full when you do this, or the interest charges could eat up that 5% cash back.

Discover also includes their Cashback Match offer, which is unique among card issuers. This will double the total amount of cash back rewards earned in the first year of use.

So that means you’ll be getting the equivalent of 10% cash back at gas stations and the other spending categories. That’s probably the best possible gas reward available on any credit card, although it has some limitations. Since the bonus category is limited to the first $1,500 you spend every quarter, you’ll be able to earn a maximum of $150 cash back on gas at that 10% rate. The limit is unfortunate, but the reward rate is very good.

This isn’t the best overall gas card because you can’t earn gas rewards year-round. But it can be quite rewarding for a few months, and if you can buy gas gift cards you’ll be able to reap the benefits all year.

There’s another cash back card with rotating 5% categories, the Chase Freedom (Review). But it has a $150 cash back signup bonus instead of offering 10% back for the first year.

Other Key Terms & Features

  • Discover Deals shopping portal: Get access to discounts at many retailers, like Best Buy, Sam’s Club, TurboTax, and more.
  • 14-month 0% intro APR:  For purchases and balance transfers.
  • FICO 8 Credit Score monitoring: Track your FICO score over time, based on your TransUnion credit report.
  • Price Protection: Get reimbursement if you pay too much for eligible items.
  • Social Security Number Alerts: Get notified if your SSN is found on any thousands of risky websites.
  • No annual fee
  • No foreign transaction fee

Read more in our Review of the Discover it Credit Card

Best Gas Card with a Signup Bonus

The Discover it® Chrome (Review) isn’t the most impressive card, but for some people it could be a great option to earn rewards for gas spending — particularly during its first year.

Discover it® Chrome
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Discover it® Chrome

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 13.74%–24.74% Variable
Quick Card Facts
  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months-then a variable purchase APR applies, currently 11.99% - 23.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”
Spending Rewards
  • 2% cash back on the first $1,000 spent per quarter at:
    • restaurants
    • gas stations
  • 1% cash back on all other purchases
  • Discover Deals: 5–50% cash back at a variety of retailers
Signup Bonus Offer
  • Cashback Match: New cardmembers get double the cash back earned in the first year

So in your first year you’ll end up getting 4% cash back on gas and at restaurants, and 2% back everywhere else. While the original deal is not very rewarding, the offer to double the cash rewards makes this quite a valuable card during the first year of use. With the $1,000 limit per quarter, that means you can potentially earn a total of $160 cash back on gas in that first year.

The Discover it Chrome loses much of its appeal after the first year, when the rewards drop to the normal rates. At that point it becomes a pretty average cash rewards credit card.

Other Key Terms & Features

  • Discover Deals shopping portal: Get access to discounts at many retailers, like Target, Groupon, Advance Auto Parts, and more.
  • 14-month 0% intro APR:  For purchases and balance transfers.
  • FICO 8 Credit Score monitoring: Track your FICO score over time, based on your TransUnion credit report.
  • Price Protection: Get reimbursement if you pay too much for eligible items.
  • Social Security Number Alerts: Get notified if your SSN is found on any thousands of risky websites.
  • No annual fee
  • No foreign transaction fees

Read more in our Review of the Discover it Chrome Credit Card

You can actually get two copies of the Discover it Chrome at the same time (or any other Discover card, like the Discover it above). You’ll need to wait 12 billing cycles to apply for the same card again, however. That would let you earn 4% cash back on gas for another year, for a potential of $320 in cash back from gas over those two years.

Best Gas Card for Bad Credit

People with limited or bad credit have a harder time being approved for regular cards. Secured credit cards offer a different way forward. They’re easier to get for people with poor credit, but require a refundable security deposit at the start to fund their credit limit.

Most secured credit cards come with an annual fee and don’t offer any rewards. But the Discover it® Secured Credit Card (Review) is a bit of an outlier, with terms that seem to belong more on a regular rewards card. This card requires a security deposit of $200 to $2,500 when you’re approved.

Discover it® Secured Credit Card
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Discover it® Secured Credit Card

For People with
Bad Credit

  • Annual Fee: $0
  • Interest Rate: 24.24% Variable
Quick Card Facts
  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 2% cash back at restaurants and on gas - up to $1,000 per quarter.* 1% cash back on all other purchases.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”
Spending Rewards
  • 2% cash back on the first $1,000 spent per quarter at:
    • restaurants
    • gas stations
  • 1% cash back on all other purchases
  • Discover Deals: 5–50% cash back at a variety of retailers
Signup Bonus Offer
  • Cashback Match: New cardmembers get double the cash back earned in the first year

This card is pretty much like the Discover it Chrome above, with the same exact rewards program. But some of the terms are a bit different.

The Discover it Secured should definitely be the first choice for anyone looking for a secured credit card. And it might be your only option if you want a secured card that offers rewards for gas.

Other Key Terms & Features

  • Discover Deals shopping portal: Get access to discounts at many retailers, like Macy’s, Reebok, Budget, and more.
  • FICO Credit Scorecard: Keep tabs on your FICO 8 Credit Score, based on your TransUnion report, and get tips to improve your credit scores.
  • 6-month 10.99% intro balance transfer APR
  • Price Protection: Get reimbursement if you pay too much for eligible items.
  • Social Security Number Alerts: Get notified if your SSN is found on any thousands of risky websites.
  • No annual fee
  • No foreign transaction fees
  • Security deposit of $200 to $2,500 required: Your credit limit will be equal to the security deposit.

Read more in our Review of the Discover it Secured Credit Card

Best Gas Card for Students

Once again, Discover provides the best gas rewards credit card for students. Take a gander at the Discover it® Chrome for Students (Review).

College students are typically new to credit, with limited or no credit history. This makes getting that first credit card tough. Student credit cards are designed with this in mind, and often come with less favorable terms to reflect that. But Discover breaks the mold by offering a student card that is actually pretty good.

Discover it® Chrome for Students
Apply Now

Discover it® Chrome for Students

For People with
No Credit

  • Annual Fee: $0
  • Interest Rate: 14.24%–23.24% Variable
Quick Card Facts
  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Free FICO® Credit Score on statements, online & by mobile app.* 100% U.S.-based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”
Spending Rewards
  • 2% cash back on the first $1,000 spent per quarter at:
    • restaurants
    • gas stations
  • 1% cash back on all other purchases
  • Discover Deals: 5–50% cash back at a variety of retailers
Signup Bonus Offer
  • Cashback Match: new cardmembers get double the cash back earned in the first year

The Discover it Chrome for Students has most of the features of the regular Discover it Chrome, with the same rewards program and Cashback Match. But is also provides some extra credit for students who excel in college, and has a different intro APR offer.

Other Key Terms & Features

  • $20 Good Grades Reward: Get $20 cash back for every year in which your GPA is 3.0 or higher, for up to five years.
  • Discover Deals shopping portal: Get access to discounts at many retailers, like Apple, Bed Bath and Beyond, Lyft, and more.
  • 6-month 0% intro APR for purchases
  • 6-month 10.99% intro APR for balance transfers (with a balance transfer fee of 3%)
  • FICO 8 Credit Score monitoring: Track your FICO score over time, based on your TransUnion credit report.
  • Price Protection: Get reimbursement if you pay too much for eligible items.
  • Social Security Number Alerts: Get notified if your SSN is found on any thousands of risky websites.
  • No annual fee
  • No foreign transaction fees

Read more in our Review of the Discover it Chrome for Students Credit Card

Best Gas Card for Military Members and Families

USAA offers a variety of credit cards for military members and their families. The USAA Cashback Rewards Plus American Express® Card (Review) is one of the most rewarding, and with no annual fee it’s not a bad choice for gas purchases.

USAA Cashback Rewards Plus American Express® Card
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USAA Cashback Rewards Plus American Express® Card

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 13.65–27.65% Variable
Quick Card Facts
  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
  • Earn 2% on your first $3,000 on supermarket purchases per year
  • Unlimited 1% cash back on all other purchases
Spending Rewards
  • 5% cash back on the first $3,000 spent per year at:
    • gas stations
    • military bases
  • 2% cash back on the first $3,000 spent per year at:
    • grocery stores
  • 1% cash back for all other purchases
Signup Bonus Offer
  • $150 cash bonus after spending $500 on purchases within the first 90 days of opening the account

That 5% cash back is a relatively high offer, although it’s limited to the first $3,000 you spend in that category every year. That means you can only earn a maximum of $150 per year in that category, but if you’ll stay under that limit this could be the right card for you.

USAA cards come with a variety of useful benefits specifically designed for military members and their families. So even if you’re not getting the best rewards program, you might like the other features enough to value this card very highly.

Other Key Terms & Features

  • Special deployment rate: 4% APR for members on all balances during deployment or PCS.
  • Special active duty rate: 4% APR for members who are on active duty, until one year after they have completed active duty.
  • Specially trained customer service: Dedicated, military-specific customer support to provide assistance during and after deployment.
  • Amex shopping and travel benefits: Such as Price Protection, Travel Assistance Services, and Identity Theft Resolution Services.
  • No annual fee
  • No foreign transaction fees

Read more in our Review of the USAA Cashback Rewards Plus American Express Card

Best Gas Card for Costco Members

Costco members have a special advantage with the Costco Anywhere Visa® Card by Citi (Review), which is actually one of the better gas credit cards. This card has no annual fee but requires a Costco membership to apply, which is at least $60 annually.

Costco Anywhere Visa® Card by Citi
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Costco Anywhere Visa® Card by Citi

For People with
Fair Credit

  • Annual Fee: None (Costco membership required)
  • Interest Rate: 17.24% Variable
Quick Card Facts
  • Must be a Costco member
  • 4% cash back on eligible gas (including at Costco)
  • 3% cash back at restaurants and on eligible travel
  • 2% cash back on other Costco and Costco.com purchases
  • 17.24% Variable APR on purchases
  • No annual fee
Spending Rewards
  • 4% cash back on eligible gas worldwide, including gas at Costco; up to $7,000 per year
  • 3% cash back:
    • at restaurants
    • on eligible travel purchases
  • 2% cash back on all other purchases from:
    • Costco
    • Costco.com
  • 1% cash back on all other purchases

So this card provides 4% cash back on gas throughout the entire year — quite a high rate compared to most cards. In general, gas rewards credit cards don’t offer their bonus categories at wholesale clubs, like Costco. So this card is one of your only options for earning rewards for gas at Costco.

The 4% cash rewards rate will be limited to the first $7,000 spent each year. But that will provide a maximum of $280 cash back per year if you use it all. That limit is quite a bit higher than most of this card’s competitors.

If you spend $1,500 on gas per year, you’ll earn $60 in cash back rewards: enough to offset the $60 annual fee. An Executive-level membership costs $120 per year, so it would require $3,000 spent on gas to offset that fee.

The other bonus categories are pretty good as well. The 3% cash back for restaurants and travel is on the upper end compared to most cards without annual fees. And the 2% back at Costco will be a welcome bonus for any member.

Other Key Terms & Features

  • $20 Costco Cash Card: If you join Costco by purchasing a new Executive Membership you’ll get a $20 Costco Cash Card.
  • Just pay with the Costco Visa: Your credit card will be counted as your membership card when making Costco purchases.
  • Shopping and travel protections: Like Purchase Protection, Extended Warranties, Worldwide Accident Insurance, and Trip Cancellation and Interruption Insurance.
  • No annual fee: Costco membership required, a minimum of $60 per year.
  • Issued by Citi: Citi is a major credit card issuer with relatively good customer support compared to issuers of most store cards.
  • Open-loop card: You can use this card anywhere Visa is accepted.

Read more in our Review of the Costco Anywhere Visa Card by Citi

Best Gas Card for Sam’s Club Members

The Sam’s Club® Mastercard® is an obvious choice for anyone who is already a Sam’s Club member. This card is available if you have a Sam’s Club membership, which costs a minimum of $45 annually.

Sam’s Club® Mastercard®
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Sam’s Club® Mastercard®

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 14.90%-22.90% (Variable)
Quick Card Facts
  • 5% cash back for gas in the U.S. and Puerto Rico, including gas at Sam's Club; only on the first $6,000 per year, then 1%
  • 3% cash back for dining and travel expenses
  • 1% cash back on all other purchases
  • Get a $45 statement credit if you open your account online and make a $45 purchase at samsclub.com on the same day
  • Cap of $5,000 in cash back rewards per year
Spending Rewards
  • 5% cash back on eligible gas, including at Sam’s Club; up to $6,000 per year
  • 3% cash back on:
    • dining
    • travel
  • 1% cash back on all other purchases
Signup Bonus
  • $45 statement credit after opening an account online and making a purchase of at least $45 from samsclub.com with it on the same day

The 5% back you’ll get on gas is a great rate, about as high as it usually ever gets for credit cards. And the $6,000 limit means you’ll be able to earn up to $300 cash back per year on gas, though most people don’t spend that much on fuel.

If you spend $900 on gas in a given year you’ll earn $45 in rewards, enough to offset the minimum Sam’s Club annual membership fee. And if you spend $2,000 on gas you’ll earn $100, enough to offset the Plus membership fee.  And that doesn’t even factor in the cash back rewards you’ll earn from the dining and travel categories.

If you’re already paying for a Sam’s Club membership you might as well get some good rewards too. Since this card can be completely free to use as long as you avoid interest and fees, it should be a welcome addition to your wallet.

Other Key Terms & Features

  • Just use your credit card: The Sam’s Club Mastercard also functions as your membership card.
  • Mastercard shopping and travel protections: Which might include Price Protection, Extended Warranties, and Travel Assistance Services.
  • No annual fee: Sam’s Club membership required, a minimum of $45 per year.
  • Open-loop card: Use this card anywhere Mastercard is accepted.

What Credit Cards Do We Use for Gas?

I usually pay for gas with the Blue Cash Preferred® Card from American Express® (Review), which provides 3% cash back at gas stations. Or I’ll use the Discover it® Cash Back Credit Card (Review), which offers 5% back for gas but only for three months out of the year. In 2018 that was from January through March.

– Brendan Harkness, Editor and Columnist

I use my Amazon Prime Rewards Visa Signature Card (Review) to earn 2% cash back on gas, except for when the Discover it® Cash Back Credit Card (Review) is offering 5% back at gas stations.

– John Ganotis, Founder

Is a Gas Credit Card Right for You?

Do you buy gas? Then there’s a good chance you could get value from 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% back in rewards, while our top pick, the Ducks Unlimited Card, offers 5% cash back.

There are many gas cards with no annual fee, so you can earn rewards at no cost whatsoever (as long as you avoid accruing interest).

A gas credit card can be an excellent way to collect cash back or points — if you use it responsibly. Your purchases will be covered by some basic protections, and the better cards have some cost-saving perks too.

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 other useful features like discounted roadside assistance.

Selection Criteria: What Makes a Great Gas Card?

Be on the lookout for features like these if you’re in the market for a gas credit card.

  • Good rewards for gas spending: You can easily find cards that provide a 3% cash back equivalent for gas, though you can also get 5% back and occasionally more.
  • No annual fee, or a worthwhile fee: There are many very rewarding gas cards with no fee. But you might want a card with a fee if it would provide a better overall value.
  • Other bonus categories: It’s OK to just have a card that you only use for gas, and nothing else. However, a card with other good bonus categories would be more useful.
  • Shopping and travel protections: Most credit cards today have some standard protections. Although they probably won’t come into play when buying gas, they could be handy in other situations.
  • Valuable extra benefits: The best cards come with cost-saving perks like travel credits or access to interesting experiences, although you’ll typically need to pay a fee to get these benefits.

Co-Branded Gas Station Credit Cards

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 one specific gas station brand.

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. That could mean you’ll get sub-par customer support. 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. The ExxonMobil Smart Card below can only be used at ExxonMobil stations, for example. 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).

BP

  • For the first 90 days, get 25 cents off per gallon at BP for every $100 you spend anywhere
  • After 90 days, get 25 cents off per gallon at BP for every $100 you spend with BP
  • 15 cents off per gallon at BP for every $100 you spend on groceries, dining, and travel
  • 5 cents off per gallon at BP for every $100 you spend everywhere else
  • No annual fee
  • Open-loop card

 

BP Credit Card

  • For the first 90 days, get 25 cents off per gallon at BP for every $100 you spend anywhere
  • After 90 days, get 10 cents off per gallon at BP for every $100 you spend with BP
  • No annual fee
  • Closed-loop card

 

BP Business Solutions Mastercard®

  • Up to 6 cents off per gallon at BP gas stations
  • Set spending and purchase limits
  • Driver ID and odometer prompting
  • Maintenance purchasing capability
  • Open-loop card

 

BP Business Solutions Fuel Plus Card

  • Up to 6 cents off per gallon at BP gas stations
  • Set spending and purchase limits
  • Driver ID and odometer prompting
  • Closed-loop card

 

Chevron / Texaco

Techron Advantage Visa Card

  • 3 cents per gallon (in fuel credits) at Texaco and Chevron gas stations
  • Either:
    • 10 cents per gallon when you spend $300 outside of fuel merchants each month
    • 20 cents per gallon when you spend $1,000 outside of fuel merchants each month
  • 5% cash back on purchases other than fuel merchants for the first 4 months, up to $25 in cash back and paid as a statement credit
  • A maximum of $300 in fuel credits can be earned per year
  • No annual fee
  • Open-loop card

 

Chevron and Texaco Business Card

  • Accepted at Chevron and Texaco gas stations
  • Set purchase limits for employee cards, based on dollar amount, purchase type, and more
  • Expense tracking tools
  • No annual fee
  • Closed-loop card

 

Chevron and Texaco Business Access Card

  • Up to 6 cents per gallon in rebates, starting at 500 gallons per month
  • Accepted at any major U.S. fuel station
  • Set purchase limits for employee cards, based on dollar amount, purchase type, and more
  • Expense tracking tools
  • $2 transaction fee for out-of-network purchases
  • $1.25 transaction fee per card swipe at diesel pumps
  • Closed-loop card

 

ConocoPhillips

Drive Savvy Rewards Credit Card

  • For each billing cycle in which you purchase 45 gallons or more at Conoco®, Phillips 66®, and 76® gas stations:
    • 50 cents per gallon for the first 30 days after account opening
    • 10 cents per gallon from day 31 to day 90
    • 5 cents per gallon after day 90
  • Rewards are available on the first 110 gallons purchased in any billing cycle
  • Savings are provided as Fuel Statement Credits
  • A maximum of $99 in Fuel Statement Credits can be earned in any given 12-month period
  • No annual fee
  • Closed-loop card

 

Phillips 66 – Conoco-76 Commercial Credit Card

  • Get the cash price for fuel at participating locations
  • Detailed driver and mileage reports
  • Set purchase limits for employee cards
  • No annual fee
  • Closed-loop card

 

Conoco Fleet Card

  • Up to 5 cents per gallon in rebates at Conoco, Phillips 66, and 76 gas stations
  • Detailed driver and mileage reports
  • Set purchase limits for employee cards
  • $10 annual fee
  • Closed-loop card

 

Conoco Universal Card

  • Up to 4 cents per gallon in rebates at Conoco, Phillips 66, and 76 gas stations
  • Accepted at 90% of U.S. retail fuel locations
  • Detailed driver and mileage reports
  • Set purchase limits for employee cards
  • $2 monthly fee per card
  • Closed-loop card

 

Exxon Mobil

ExxonMobil™ Smart Card

  • 6 cents off per gallon
  • 12 cents off every gallon of Synergy fuel for the first 2 months after account open date (50 cents off for applying through the Speedway app)
  • Issued by Citi, which has relatively good customer support
  • No annual fee
  • Closed-loop card

 

ExxonMobil™ Business Card

  • Itemized statements
  • Issued by Citi, which has relatively good customer support
  • Closed-loop card

 

ExxonMobil™ Business Fleet Card

  • Up to 6 cents off per gallon, depending on number of gallons purchased per billing period
  • Set restrictions on purchase types, transactions, gallons, and dollars spent
  • Set specific time-of-day and time-of-week limits
  • Issued by Citi, which has relatively good customer support
  • No annual fee
  • Closed-loop card

 

ExxonMobil™ Fleet National Card

  • Accepted at all major gas station brands and many regional brands
  • Set restrictions on purchase types, transactions, gallons, and dollars spent
  • Set specific time-of-day and time-of-week limits
  • Issued by Citi, which has relatively good customer support
  • $40 setup fee
  • $2 monthly fee per card
  • $10 for paper invoice and reporting
  • Closed-loop card

 

Sheetz

Sheetz Platinum Edition Visa Card

  • 5 cents off per gallon at Sheetz pumps
  • 5% cash back on in-store purchases at Sheetz
  • 1% cash back for every other purchase
  • Free FICO Credit Score access
  • No annual fee
  • Open-loop card

 

Sheetz Credit Card

  • 5 cents off per gallon at Sheetz pumps
  • 5% cash back on in-store purchases at Sheetz
  • Free FICO Credit Score access
  • No annual fee
  • Closed-loop card

 

Sheetz Business Edge Simplify

  • Up to 6 cents off per gallon at Sheetz pumps
  • Online expense reporting and tracking
  • Set purchase controls using unique Driver IDs
  • Charge card (you must pay your bill in full each month)
  • No annual fee
  • Closed-loop card

 

Sheetz Business Edge FlexCard

  • Up to 6 cents off per gallon at Sheetz pumps
  • Accepted at 90% of U.S. retail fuel locations
  • Online expense reporting and tracking
  • Set purchase controls using unique Driver IDs
  • No annual fee
  • Closed-loop card

 

Sheetz Business Edge Loyalty

  • Up to 6 cents off per gallon at Sheetz pumps
  • Online expense reporting and tracking
  • Set purchase controls using unique Driver IDs
  • Monitor spending in great detail, like odometer readings
  • Charge card (you must pay your bill in full each month)
  • No annual fee
  • Closed-loop card

 

Sheetz Business Edge Nationwide

  • Up to 6 cents off per gallon at Sheetz pumps
  • Online expense reporting and tracking
  • Set purchase controls using unique Driver IDs
  • Charge card (you must pay your bill in full each month)
  • $2 monthly fee per card
  • Closed-loop card

 

Shell

  • 5 cents off per gallon at Shell gas stations
  • Issued by Citi, which has relatively good customer support
  • No annual fee
  • Closed-loop card

 

  • 10 cents off per gallon if you spent $500 to $999.99 in a billing cycle
  • 15 cents off per gallon if you spent $1,000 to $2,499.99 in a billing cycle
  • 20 cents off per gallon if you spent over $2,499.99 in a billing cycle
  • Earn no savings if you spend less than $500
  • Fuel savings only apply to gas purchases made at Shell gas stations
  • Issued by Citi, which has relatively good customer support
  • No annual fee
  • Open-loop card

 

  • You can limit purchases to fuel only, or allow convenience store purchases
  • Accepted at Shell gas stations
  • Can set purchase limits and designated fuel stations
  • Issued by Citi, which has relatively good customer support
  • No annual fee
  • Closed-loop card

 

  • Up to 6 cents off per gallon at Shell gas stations
  • Accepted at Shell gas stations
  • Limit purchases to fuel only, or allow convenience store purchases
  • Can set purchase limits and designated fuel stations
  • Extra security prompting at checkout terminal
  • Fleet management reports
  • Issued by Citi, which has relatively good customer support
  • No annual fee
  • Charge card (you must pay your bill in full each month)
  • Closed-loop card

 

  • Get up to 10% off your company’s overall spend
  • For fleets of 40 or more vehicles
  • Card acceptance defined by customer
  • Discounts at Jiffy Lube
  • Limit purchases to fuel only, or allow convenience store purchases
  • Can set purchase limits and designated fuel stations
  • Extra security prompting at checkout terminal
  • Fleet management reports
  • Issued by Citi, which has relatively good customer support
  • Fee varies by fleet size
  • Charge card (you must pay your bill in full each month)
  • Closed-loop card

 

Sunoco

Sunoco Rewards Credit Card

  • 5 cents off per gallon at Sunoco gas stations
  • No limit on the number of discounted gallons you can buy
  • No annual fee
  • Closed-loop card

 

Sunoco SunTrak® Card

  • Up to 6 cents off per gallon at Sunoco gas stations
  • Detailed monthly vehicle reports with efficiency tracking
  • Set individual driver spending and purchase limits
  • Unique driver ID numbers
  • $10 monthly fee
  • Closed-loop card

 

Sunoco Universal® Card

  • Up to 6 cents off per gallon at Sunoco gas stations
  • Accepted at 90% of U.S. fueling locations
  • Detailed monthly vehicle reports with efficiency tracking
  • Set individual driver spending and purchase limits
  • Unique driver ID numbers
  • Premium Fleet Services for larger fleets, like a dedicated account manager
  • $40 setup fee
  • $2 monthly fee per card
  • Closed-loop card

 

Sunoco Over-the-Road Card

  • 4 cents off per gallon at Sunoco and Stripes gas stations
  • An extra 3 cents off per gallon at participating Sunoco OTR stations
  • Accepted at 99% of U.S. truck stops (but $1 transaction fee at locations other than Sunoco)
  • Detailed monthly vehicle reports with efficiency tracking
  • Set individual driver spending and purchase limits
  • Unique driver ID numbers
  • $75 setup fee
  • $1 transaction fee at non-Sunoco truck stops
  • Closed-loop card

 

Sunoco Corporate Card

  • Very basic card, with no rewards
  • Accepted at over 5,000 Sunoco gas stations
  • No annual fee
  • Closed-loop card
Didn’t find the right card for you? Check out our Best Card Picks for a variety of different categories.
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