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Chart: Compare and find the best gasoline rewards card for you

By Erin Peterson

For most people, the only difference between the gas they buy at the station down the street and the one that's all the way across town is the price. Because gas is a commodity, retailers work hard to inspire long-term loyalty through perks and rewards.

Gas rewards cards are one way that companies seek to win you over -- but not all cards are created equal. Some don't offer a single reward, while others pile on hefty discounts, rebates, and special deals. Store cards are often the easiest credit cards to get, while co-branded cards (the result of partnerships between retailers and networks such as Visa and MasterCard) often offer better interest rates and rewards than their store card counterparts. Some of the cards hit you with a generous flurry of rewards at first, then choke the generosity down to a trickle.

Which is best for you? That will depend on a combination of factors, including where you drive, whether you tend to carry a balance and the size and nature of the rewards themselves. To find a great card, fill up on the information below -- and then fill up your tank.

FIND THE BEST GASOLINE CREDIT CARD FOR YOU
Credit card
Where accepted
Annual fee
APR* Rewards
Blue Cash Everyday from American Express Anywhere American Express is accepted None 17.24% to 22.24% 2 percent cash back at gas stations and department stores; 3 percent cash back at supermarkets; 1 percent cash back on all other eligible purchases; $100 cash back after spending $1,000 within the first 3 months; 0 percent intro APR for 12 months
Blue Cash Preferred from American Express Anywhere American Express is accepted $75 17.24% to 22.24% 3 percent back at gas stations and department stores; 6 percent back at supermarkets; 1 percent back on all other eligible purchases; $150 cash back after spending $1,000 in the first 3 months; 0 percent APR for 12 months
BP Card
10,000 BP locations and more than 390,000 PLUS network ATMs None 19.24% 2 percent rebate on all Amoco Ultimate premium-grade fuel purchases
BP Card with Pump Rewards
10,000 BP locations None 19.24% 5-cent-per-gallon rebate for every $100 in BP purchases, good for a one-time fill up of up to 20 gallons
BP Visa Anywhere Visa is accepted
None 19.24% 5 percent rebate on up to $500 in monthly purchases at participating BP locations; 2 percent rebate on eligible travel and dining; 1 percent rebate everywhere else; double rewards for the first 60 days
BP Visa with Pump Rewards Anywhere Visa is accepted None 19.24% 15-cent-per-gallon rebate for every $100 in BP purchases, good for a one-time fill up on up to 20 gallons of fuel; for the first 60 days, earn 25 cent-per-gallon rebate
Chase Freedom
Anywhere Visa is accepted
None 11.99% to 22.99%
5 percent cash back on up to $1,500 in bonus categories each quarter (gas stations are included in 2 quarters in 2012); up to 10 percent cash back at selected online merchants; 1 percent cash back on everything else;  $100 cash back after $500 in purchases in the first 3 months; 0 percent APR for the first six billing cycles
Chevron and Texaco Credit Card
All Chevron and Texaco stations, and any ATM with a Cirrus symbol None 26.99% Fuel credits of 10 cents per gallon for 60 days; up to $300 in credits
Chevron and Texaco Premium Card
All Chevron and Texaco stations, and any ATM with a Cirrus symbol $25 26.99% Fuel credits of 10 cents per gallon for 60 days; up to $300 in credits; plus discounts and rebates on hotels, car rentals and airline tickets booked through its travel reservation service
Chevron and Texaco Visa Card
Anywhere Visa is accepted
None 23.99% Fuel credits of 10 cents per gallon (up to $300 annually); 3 percent in fuel credits on non-fuel purchases at Chevron and Texaco, and 1 percent in fuel credits on all other purchases
Citgo Plus
6,000 Citgo locations nationwide None 24.99% No rewards
Citi ThankYou Preferred Anywhere Visa is accepted
None 12.99% to 22.99%
5 points for every $1 spent at gas stations, supermarkets and drugstores for the first 12 months; 1 point for everything else; 15,000 bonus points after spending $1,000 within the first three months; annual membership bonuses
Discover More
Anywhere Discover is accepted None 10.99% to 19.99%
5 percent cash back on up to $1,500 in bonus categories each quarter (gas stations are included in 2 quarters in 2012); up to 1 percent cash back on other purchases; up to 20 percent cash back at selected online merchants; 0 percent APR for the first 15 months
Discover More Open Road
Anywhere Discover is accepted
None 10.99% to 19.99% 2 percent cash back on the first $250 of gas station or restaurant purchases each month; up to 20 percent cash back on selected online retailers, and up to 1 percent cash back on all other purchases; 0 percent introductory APR for purchases and balance transfers for the first 15 months
Discover More Open Road for Students
Anywhere Discover is accepted None 12.99% to 18.99%
2 percent cash back on the first $250 of gas station or restaurant purchases each month; up to 20 percent cash back on selected online retailers, and up to 1 percent cash back on all other purchases; 0 percent introductory APR for purchases and balance transfers for the first 15 months
ExxonMobil Personal Card
10,000 Exxon and Mobil stations nationwide and 200,000 Cirrus ATMS nationwide None 24.99% No rewards
ExxonMobil Preferred Card
10,000 Exxon and Mobil stations nationwide $29 24.99% 10 percent cash back at selected hotels, 5 percent cash back on airline travel, cruises, and car rentals (reservations must be made through the card member reservation center), and dining and entertainment discounts
ExxonMobil MasterCard Anywhere MasterCard is accepted
None 19.99% to 23.99%
15-cent rebate per gallon of gas purchased at ExxonMobil stations, up to 2 percent rebate on the first $10,000 in eligible purchases and 1 percent on eligible purchases of more than $10,000
Gulf Platinum MasterCard Anywhere MasterCard is accepted None 14.99% to 23.99%
3 percent rebate at Gulf stations; 1 percent everywhere else
Hess Visa Platinum Card
Anywhere Visa is accepted
None 19.24%
10 percent rebate at Hess for the first 60 days after the account is opened on eligible gas, merchandise, and food purchases, up to $400; after that, 3 percent rebate on Hess gas, merchandise, and food on up to $400 each billing cycle; 1 percent rebate on all other purchases except for non-Hess gas purchases, which earn a 0.25 percent rebate
Holiday Smart Savings Credit Card 400 Holiday stations nationwide
None 12% to 20.4% 4-cent rebate on gasoline purchases, plus 5 percent savings on food and merchandise purchases in the store; double discounts for the first three billing cycles
PenFed Platinum Rewards Card Anywhere Visa is accepted
None
9.99% 5 points per dollar spent on gas purchases, 3 points per dollar spent on groceries, 1 point per dollar spent on other purchases; 20,000 points after spending $1,000 in the first three months; 1.99 percent APR for the first 24 months
Phillips 66 Personal Card
All Phillips, Conoco and 76 stations
None
24.99% Save 5 cents per gallon on up to 110 gallons per month, with minimum purchase of 45 gallons
Premier Rewards Gold Card from American Express Anywhere American Express is accepted
$175 after the first year None; balance must be paid in full each month
2 points per dollar spent on gas, 3 points on airfare, and 1 point on everything else; 25,000 points after spending $2,000 in the first three months
QT Credit Card
590 QuikTrip stations in 10 states, mainly in the South and Midwest
None 18% Save 5 cents per gallon on the first 400 gallons in the first five billing cycles
Shell Drive for Five
All Shell stations None 24.99% Save 5 cents per gallon on Shell nitrogen enriched gasoline or Shell diesel, with 45 gallon minimum, 100 gallon maximum
Shell Select Member Card
All Shell stations
$25 24.99% 10 percent cash back on select hotels and motels, 5 percent cash back on airline tickets and car rentals booked through the member reservation center; additional hotel discounts
Sinclair Credit Card 2,600 Sinclair stations nationwide
None 10% to 21%
No rewards
Sinclair Platinum Edition Visa Anywhere Visa is accepted
None 13.99% to 19.99%
8 percent cash back for the first two billing cycles on all Sinclair purchases; 4 percent afterward; up to 1.25 percent cash back on all nonfuel purchases
Speedway Credit Card
1,350 Speedway locations
None 5% to 25%
No rewards
Speedway Platinum MasterCard Anywhere MasterCard is accepted
None 19.24% 40 additional Speedy Rewards points for every $1 spend at Speedway locations; 10 points for every 1 spent everywhere else; new customers receive 10,000 bonus points after their first purchase
Sunoco Rewards Card
4,800 Sunoco locations nationwide
None 23% Save 5 cents on every gallon of Sunoco fuel
TrueEarnings Card from Costco and American Express Anywhere American Express is accepted
None with paid Costco membership 23% 0% introductory APR for 6 months. Every time you make a purchase, you can earn cash back: 3% for the first $3,000 in annual gasoline purchases (1% thereafter); 2% for restaurants; 2% for travel; 1% everywhere else, including Costco
Valero All Valero, Diamond Shamrock, Beacon and Shamrock stations nationwide
None 23% 30 cent-per-gallon rebate for up to 100 gallons each month for the first three billing cycles
Visa Platinum Cash Rewards Card
Anywhere Visa is accepted
None 9.99% 5 percent cash back on gas purchases paid at the pump, 0.25 percent cash back on other purchases; 1.99 percent APR for 24 months

Source: CreditCards.com survey of leading gas card issuers. All terms and conditions are subject to change by issuer. Data in the chart are current as of March 2, 2012.

*Annual percentage rates (APR) are typically variable and subject to change by credit card issuer. Many are based on a formula that includes the prime rate plus a fixed rate set by the issuer.

See related: Blocks, holds and high prices make consumers fume at the gas pump, Apply for a gas rewards card

Published: March 6, 2012



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Credit Card Rate Report

Updated: 10-31-2014

National Average 15.09%
Low Interest 10.37%
Balance Transfer 12.82%
Business 12.85%
Student 13.14%
Cash Back 14.98%
Reward 15.07%
Airline 15.46%
Bad Credit 22.73%
Instant Approval 28.00%

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