Best Gas Credit Card: 8 Top Picks to Fight Soaring Prices

Overview — If you’re on the road a lot, this is the best credit card for gas that will give you the highest rewards. And that counts whether you’re spending on gas, airfare, or any other kind of travel. This card also has a unique ace up its sleeve — you can transfer cashback rewards gained into Chase Ultimate points. 

If you’re strategic about using those points, you may get more value than the cashback amount! 

Rewards — The real jewel in this card’s crown is 5% cashback on travel purchased through Chase and 3% on dining and restaurant spending, as well as drugstore purchases. Those rewards easily compete with the top credit cards for dining.

Introductory offer — Get a $200 bonus when you spend $500 within the first three months of opening your account — a decent reward for such a low spending requirement. 

Additional perks — Chase partners with DoorDash and Lyft to give cardholders added benefits. With the Freedom Unlimited card come three free months of DoorDash’s subscription service, DashPass.  

Also, Chase has an excellent debit card for minors that is definitely worth checking out.

Overview — Continuing in a similar fashion with Ink Business Cash. Overall, Chase’s Ink line of cards is designed to provide top-tier rewards for business owners with a relatively low credit score barrier and no annual fee. The most versatile of them is the Ink Business Cash card. 

Rewards — This card’s primary focus is rewarding business purchases. To that end, this gas cash back credit card even earns 5% cashback at office supply stores, phone service, internet, and cable. These cashback rewards top out at $25,000 in total purchases per year, which is plenty for most small business budgets.

It also earns 2% cashback on gas and restaurants (subject to a $25,000 total spending cap too). Those rewards are on par with the top cashback credit cards for gas, but business owners will like the high spending limits. 

Introductory offer — Spend $7,500 within the first three months to earn a $750 cashback bonus. That’s one of the best rewards you’re likely to find for cards in this range, so it’s a good idea to line up your application with a large purchase.

Additional perks — To make your life even more comfortable as a business owner, Ink Business Cash card provides rental collision insurance if you’re renting for business purposes. And besides having no annual fee, you can also order additional cards for employees at no added cost.

Overview — PenFed’s rewards card leaves other banks’ gas credit card reviews in the dust when it comes to gas purchases. Though that doesn’t mean there aren’t a few restrictions in place, they’re worth working around to get these rewards.

Rewards — 5X reward points on gasoline purchases essentially make this a great gas credit card, but it doesn’t stop there. Using this card also earns 3X reward points on grocery purchases and points on all other purchases, including Walmart and Target stores.

And you get all that without an annual fee and no cap on the rewards you can earn.  

The bad news is that although you’ll get a lot of reward points, this card has no cashback option. And unless you’re spending your points on travel or hotel bookings, their value drops quite a bit. So, while this is a good gas rewards credit card, you’re a bit limited in how you can use those rewards.

Introductory offer — When you spend $1,500 within the first 90 days of opening your account, you’ll receive a 15,000 points bonus award. This is relatively easy to achieve and is definitely a big plus.

Additional perks — If you plan on making a balance transfer to your credit card, you’re in luck. Balance transfers get 0% APR for the first 12 months if you apply within the set time period. This one is prone to change so you’d better apply as soon as possible!

Overview — Just to be clear, American Express doesn’t market this as a card primarily for gas purchases. Even so, it’s one of the gas credit cards for fair credit with top-tier rewards overall. Its reward structure makes it most appealing for mid-to-large families that spend a lot on groceries and transportation (buses included).

Rewards — For starters, the Blue Cash Preferred® card earns 6% cashback on supermarket purchases in the US and select streaming subscriptions. However, these supermarket cashback rewards cut off at $6,000 per year and earn 1% after that.

Additionally, you’ll earn 3% cashback at US gas stations and spending on local transportation (tolls, taxis, trains and other means of transport.

Lastly, the card gives you 1% cashback on most other purchases. The one drawback is that you can only redeem your cashback rewards in the form of statement credits.

Introductory offer — When you spend $3,000 within the first six months, you’ll receive a $350 statement credit — enough to cover the annual fee for three years.

Additional perks — While this is our favorite credit card for gas and groceries, it doesn’t feature much in the way of added benefits. You’ll get 0% APR for the first 12 months and a few other standard perks from AmEx, such as return protection on select purchases.

Overview — If you have the credit level for this card, and you plan to spend enough to get the welcome bonus, it’s one of the best credit cards for gas around. Citi doesn’t have the most valuable reward points, but used wisely can prove highly lucrative for travel. 

Moreover, the Citi Premier card has a broad reward structure that gives extra points in several major categories (gas stations, air travel, supermarkets, etc.). 

Rewards — 3X points on gas purchases is just the beginning. This card also earns 3X points for supermarket purchases, dining, air travel, and hotels. You’ll have trouble finding a more generous reward scheme.

Introductory offer — Rewards notwithstanding, the sign-up bonus is what sets this card head and shoulders above the competing gas cards for fair credit. Spending $4,000 in the first three months will net you 80,000 bonus Citi points. 

$4,000 is a tall mountain to climb, but that can be well over $800 in gift cards if redeemed efficiently. The amount can be spent at Starbucks, Macy’s, Spotify, Lowe’s and many other places.

Additional perks — Citi Premier is primarily a travel card and offers the best bonuses in that category. Cardholders can get $100 off a hotel stay of over $500 once a year, and ThankYou points can be transferred to one of many airline loyalty programs.

Overview — Discover’s cards are generally in the top tier when it comes to cashback rewards. But the company is best known for its rolling category approach that rewards people who plan out their spending. 

Discover It Chrome sacrifices some reward potential for a lot more convenience, hence we chose it as a cool credit card for gas stations.  

Rewards — Instead of rotating cashback categories every quarter, this card earns a flat 2% cashback on gas and restaurant purchases.  However, there is a $1,000 cashback spending limit every quarter.  

All other purchases earn 1% cashback and they are not limited by a time period.

Introductory offer — Discover matches all your cashback rewards during the first year. To put it simply, you’ll get $200 for every $100 of cashback. Even better — there is no set limit for your first year with Discover Chrome!

Additional perks — There’s not much to speak of in the way of benefits other than Discover’s standard suite of services. Those services include free FICO score checking and SSN monitoring. 

Overall, with no annual fee and such an appealing welcome bonus, it’s spectacular in the first year. In the long run, though, you may be better off with another card. Still, we’d definitely recommend testing Chrome out for a year.

Overview — If you’re more drawn to AmEx points than cashback rewards, this card is an excellent alternative to the Blue Cash Preferred card. It has a similar reward structure, except you’ll earn points for your purchases. 

Rewards — Cardholders earn 3X points for supermarket purchases in the US on up to $6,000 a year. Gas purchases earn 2X points, and most other purchases earn standard points as a part of the membership rewards program. 

If you’re well-versed in using AmEx points, this could be an excellent credit card for gas rewards in the mid-tier. But even if you don’t redeem the points perfectly, it’s a high-value card.

Introductory offer — Spending $2,000 within the first six months earns 15,000 bonus points. Not a bad way to cover the card’s annual fee for almost two years.

Additional perks — When used 30+ times in a billing period, all qualifying purchases in that period earn 50% more points. 

If you make supermarket or gas purchases every day, that shouldn’t be hard to accomplish. That 50% bump is enough to place this among the most practical gas rewards credit cards that earn points. 

In addition, although returns will be deducted from your total cashback rewards, they still count toward the 30-purchase requirement.

Overview — If you buy gas at Costco, you’re already getting the best price available to the general public. And if you also have cool credit, you can even add 4% cashback to that low price with Costco’s Anywhere Visa card during your first year.

It’s a very nice credit card for food and gas if you’re a financial optimizer since it’s only available to Costco members. You can easily make back the Costco annual membership with the rewards from this card.

And as a tiny bonus, this card can double as your Costco membership to save wallet space.

Rewards — As stated, this card earns 4% cashback on gas purchases at qualifying gas stations. Most gas stations apply, but you’ll want to steer clear of other warehouse clubs, which will only earn 1% cashback on gas. Also, 1% is what you get after the first year.

The gas cashback rewards are capped at a respectable $7,000 per year. That’s a higher gas-exclusive cap than any other option in our gas credit card reviews.

Cardholders can also earn 3% cashback on restaurant and travel purchases from select merchants. It has a 2% flat cashback from any purchases made at Costco warehouses or Costco.com with no limit. 

This card’s major drawback is what you can (or rather can’t) do with the rewards. The cashback rewards are issued as an annual certificate that you must use on a single transaction at Costco.