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Compare gas cards

Interest rates (APRs), rewards, terms and fees of popular gasoline cards

By Steve Holt and 

Comparing gas cards EDITOR'S NOTE: This article, while accurate when published in 2008, has become outdated. See the  2012 gasoline rewards card comparison chart.

Wondering if you should keep your old gas credit card or considering getting a new one? Traditional gas cards -- which charge annual fees and do not feature rewards or rebates on gas purchases -- are becoming less popular, oil and gas industry and payment card experts say.

Instead, consumers want gas cards that give them rewards, cash back, points and rebates on gasoline purchases with no annual fees. CreditCards.com reviewed terms and conditions for the top 29 gas cards. The majority have eliminated annual fees that were common just a few years ago and added reward features. Annual percentage rates on the gas credit cards are on average still higher than general purpose credit cards. The newer cards offer the flexibility to purchase gas at any station -- regardless of the chain -- and allow consumers to make general purpose (nongasoline) purchases.

Comparing gas credit card options*

Gas credit card

Where accepted

Annual fee

APR**

Rewards

BP Card

11,000 BP and Amoco stations nationwide; 390,000 PLUS ATMs worldwide

None

20.99 percent

2 percent cash back on all Amoco Ultimate fuel purchases

BP MultiCard

11,000 BP and Amoco stations nationwide; 390,000 PLUS ATMs worldwide

$29.95

20.99 percent

Discounts at restaurants, hotel chains and other merchants; 2 percent rebate on Amoco Ultimate fuel purchases

BP Visa Card

Anywhere Visa is accepted

None

Zero percent for six months; 13.99 percent (elite) to 20.99 percent (standard) afterward

10 percent rebate at all BP locations, 4 percent rebate on eligible travel and dining purchases and 2 percent rebate on virtually all other purchases for up to the first 60 days; afterward, 5 percent rebates at all BP locations, 2 percent on eligible travel and dining purchases and 1 percent rebates on virtually all other purchases

Chase PerfectCard MasterCard

Anywhere MasterCard is accepted

None

Zero percent for six months; 10.99 percent to 14.99 percent (elite) or 19.99 percent (standard) afterward

6 percent rebate on all eligible gas purchases at any station for the first 90 days; afterward, 3 percent rebate on all eligible gas purchases and 1 percent rebate on all other purchases

Chevron/Texaco Card

Chevron and Texaco stations in 25 states plus any ATM with Cirrus logo

None (Basic, Business); $25 (Premium)

21.49 percent    

Rebated 10 cents per gallon for first 60 days on new accounts up to 200 miles per billing cycle

Chevron/Texaco Visa Card

Anywhere Visa is accepted

None

13.49 percent to 20.49 percent    

10 cents per gallon in fuel credits on fuel purchases made at Chevron and Texaco; 3 percent in fuel credits on nonfuel purchases at Chevron and Texaco; 1 percent in fuel credits on all other nonfuel purchases 

Citgo MasterCard

Anywhere MasterCard is accepted

None

12.99 percent (platinum) to 16.99 percent (standard)

0 percent APR on balance transfers for 6 months

Citgo Plus Card

7,000 Citgo stations nationwide

None

19.99 percent

$5 credit for each of the first five purchases of at least $15 made during the first 60 days

Citi Driver's Edge Options Platinum MasterCard for College Students

Anywhere MasterCard is accepted

None

Zero percent for six months; 14.99 percent afterward

3 percent rebate on gas station, supermarket and drug store purchases; 1 percent rebate on all other purchases; one penny a mile for personal miles driven

Citi Driver's Edge Options Platinum Visa for College Students

Anywhere Visa is accepted

None

Zero percent for six months; 14.99 percent afterward

3 percent rebate on gas station, supermarket and drug store purchases; 1 percent rebate on all other purchases; 1 cent a mile for personal miles driven

Citi Driver's Edge  Options Platinum Select MasterCard

Anywhere MasterCard is accepted

None

Zero percent for up to 12 months; 9.99 percent to 17.99 percent afterward

6 percent rebates on purchases at supermarkets, drugstores and gas stations for 12 months; afterward, 3 percent rebate on these purchases, 1 percent rebate on other purchases plus 1 cent for every mile driven; 1 percent rebate on all other purchases to use toward a new, used or leased vehicle of your choice

Discover Open Road

Anywhere Discover cards are accepted

None

Zero percent for six months; 10.99 percent to 18.99 percent afterward

5 percent cash back automatically on the first $100 in combined gas and auto maintenance purchases each month; up to 1 percent cash back on all other purchases after total purchases exceed $3,000

ExxonMobil Personal

11,000 Exxon and Mobil stations nationwide

None

21 percent

No rewards

ExxonMobil Preferred

11,000 Exxon and Mobil stations nationwide

$29

21 percent

10 percent cash back on hotel, motel stays and cruises; 5 percent cash back on airline travel and car rentals; dining and entertainment discounts

ExxonMobil MasterCard

Anywhere MasterCard is accepted

None

Zero percent for six months;  12.99 percent (platinum) to 16.99 percent (standard) afterward

15 cents-per-gallon rebate on gas purchases; each year, earn up to 2 percent rebate on the first $10,000 spent on eligible purchases and 1 percent on eligible purchases over $10,000

Gulf Platinum MasterCard

Anywhere MasterCard is accepted

None

12.99 percent to 18.99 percent

For first 60 days, 6 percent rebates at Gulf stations, 2 percent in rebates on utility and grocery purchases, 1 percent everywhere else; afterward, 3 percent rebate at Gulf stations, 1 percent everywhere else

Hess Visa Platinum Card

Anywhere Visa is accepted

None

Zero percent for six months; 14.99 percent to 16.99 percent (elite & premium) or  19.99 percent (standard)  afterward

10 percent rebate on all Hess gas purchases for first 90 days; 5 percent afterward; 1 percent back on other retail store, online and restaurant purchases

Marathon Platinum MasterCard

Anywhere MasterCard is accepted

None

Zero percent for six months; 14.99 percent to 16.99 percent (elite, premium) or  19.99 percent (standard) afterward

10 percent rebate on Marathon purchases and 2 percent on all other purchases for first 60 days; 5 percent rebate on all Marathon purchases and 1 percent rebate on all other eligible purchases thereafter

Phillips 66 Conoco 76 Personal Credit Card

8,600 stations nationwide

None (personal); $29 (premium)

19.99 percent

No rewards

Phillips 66 - Conoco 76 MasterCard

Anywhere MasterCard is accepted

None

12.99 percent (Platinum) to 16.99 percent (Classic)

4 percent rebate on Phillips and Conoco station purchases up to $50 per month; up to 1 percent rebate on all other qualified purchases

Shell Card

14,000 Shell stations and over 250,000 ATMs nationwide

None

19.99 percent

No rewards

Shell Select Member Card

14,000 Shell stations and over 250,000 ATMs nationwide

$25

19.99 percent

10 percent cash back on hotels and motels; 5 percent cash back on airlines and car rentals; half-price discounts at more than 5,000 hotels

Sinclair Card

2,600 Sinclair stations

None

10 percent to 21 percent

No rewards

Sinclair Platinum MasterCard

Anywhere MasterCard is accepted

None

15.49 percent to 20.49 percent

7 percent rebate on Sinclair purchases and 2 percent elsewhere for the first 60 days; afterward, 5 percent rebate at Sinclair and 1 percent elsewhere

Speedway SuperAmerica Platinum MasterCard

Anywhere MasterCard is accepted

None

14.99 percent to 16.99 percent (elite and premium) or 19.99 percent (standard)

40 Speedy points for every $1 spent at Speedway and SuperAmerica locations; 10 points for every $1 spent everywhere else; 10,000 points on first use

Sunoco Card

4,600 Sunoco stations nationwide

None

19.99 percent

No rewards

Sunoco MasterCard

Anywhere MasterCard is accepted

None

12.99 percent (platinum) to 16.99 percent (standard)

4 percent rebate on all Sunoco purchases; up to 1 percent rebate on all other (nonSunoco) purchases

Valero

5,800 stations in the U.S., Canada, Latin America and the Caribbean

None

16.99 percent

10 cents-per-gallon rebate for first three billing cycles on new accounts through Sept. 30, 2008

Wawa Visa

Anywhere Visa is accepted

None

Zero percent for six months; 14.99 percent (elite & premium) to 20.99 percent (standard)

10 percent rebate on net purchases at Wawa stations and 2 percent rebate everywhere else for the first 60 days; afterward, 3 percent rebate on Wawa purchases and 1 percent rebate on purchases elsewhere

Source: CreditCards.com research and interviews 

*All terms and conditions are subject to change by issuer. Data in the chart are current as of Aug. 19, 2008. If there are updates, please write to Editors@Creditcards.com.   

**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.

To comment on this article, write to: Editors@CreditCards.com 

See related: Coping with the gas pump, Drive for rewards pushes gas cards in the ditch, Renting a car with cash or credit card? Expect to try harder, 12 tips for renting a car without a credit card, Blog: 3 tips on buying gas, Calculator: Cash back versus low-rate gas card

Updated: August 21, 2008



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Credit Card Rate Report

Updated: 11-24-2014

National Average 14.98%
Low Interest 10.37%
Balance Transfer 12.73%
Business 12.85%
Student 13.14%
Reward 14.93%
Cash Back 14.94%
Airline 15.46%
Bad Credit 22.73%
Instant Approval 23.33%

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