Holds previous experience working at a “Big Four”, Ernst & Young
Experience
Upon graduating with a Bachelor’s degree concentrated in Finance, Joey worked at a “Big Four” (Ernst & Young) accounting firm before exploring the world of credit cards. After learning proper professional and financial practices through federal audits, he moved on to his second job, where he was introduced to CreditCards.com/Bankrate as a data analyst.
As time passed, his interests drifted away from data analysis and into the communication of credit card essentials. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like CreditCards.com, Bankrate.com and NextAdvisor. He is a credit cards writer for CreditCards.com and his advice on avoiding common credit card fees, top balance transfer tactics and more financial tips have been featured on MSN Money and other various news publications.
Credit card strategy, rewards programs, point valuation, credit scores
Highlights
Editor for CreditCards.com and Bankrate
Features in Mic.com, LifeHacker, People.com and more
Experience
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.
Before joining CreditCards.com in 2019, Nouri worked as a writer and editor in digital marketing and health care technology. Also a fiction writer, Nouri won the Keene Prize for Literature, one of the world’s largest student literary prizes.
“When credit card expert Jason Steele reached out to me about a post on credit card sign-up bonuses, I knew he’d be able to answer the questions I get all the time.” –Jean Chatzky, CEO of HerMoney.com and host of the podcast “Her Money With Jean Chatzky,” and the financial editor of NBC Today for 25 years.
Experience
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets.
He’s frequently interviewed and quoted by mainstream outlets on the subjects of credit cards and travel. Jason is passionate about travel rewards credit cards, which he uses to earn rewards that he can redeem for him and his family to travel around the world.
Jason is also the founder and producer of CardCon, a conference for credit and credit card journalists that’s held annually.
Jason graduated from the University of Delaware in 1994 with a bachelor of arts degree with a major in history.
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics
Our editorial team and expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our credit card company partners, and may influence where or how products are featured on the site. This site does not include all credit card companies or all available credit card offers. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers. Learn more about our partners and how we make money.
As gas prices continue to fluctuate, a gas credit card could be one of your best options for saving on everyday spending. Gas purchases account for roughly $2,500 of the average consumer’s annual spending, making gas credit cards a worthwhile way to earn rewards.
The best credit cards for gas earn points or cash back that can offset your gas spending. Some may sweeten the deal with rewards on other everyday purchases, such as groceries, or offer travel benefits. We’ll walk you through the best gas credit card options to help you see which cards are worth the pit stop.
As gas prices continue to fluctuate, a gas credit card could be one of your best options for saving on everyday spending. Gas purchases account for roughly $2,500 of the average consumer’s annual spending, making gas credit cards a worthwhile way to earn rewards.
The best credit cards for gas earn points or cash back that can offset your gas spending. Some may sweeten the deal with rewards on other everyday purchases, such as groceries, or offer travel benefits. We’ll walk you through the best gas credit card options to help you see which cards are worth the pit stop.
Our rating:4.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
6% Cash Back on select U.S. streaming subscriptions.
3%
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1%
1% Cash Back on other purchases.
At A Glance
Intro offer
Earn $250
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Annual fee
$0 intro annual fee for the first year, then $95.
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
See if you’re pre-approved for this card using our CardMatch tool.
Our rating:4.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
At A Glance
Intro offer
Cashback Match
Intro Offer: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
Annual fee
$0
Regular APR
18.24% - 27.24% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5X
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X
Earn 3X Points for all other eligible purchases on your Card.
At A Glance
Intro offer
Earn 80,000 Hilton Honors Bonus Points
Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Card in your first 6 months of Card Membership.
Annual fee
$0
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
At A Glance
Intro offer
Cashback Match
Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. So you could turn $50 cash back into $100. Or turn $100 cash back into $200.
Annual fee
$0
Regular APR
17.24% - 26.24% variable
Recommended credit
(No Credit History)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
At A Glance
Intro offer
Cashback Match
Intro Offer: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
Annual fee
$0
Regular APR
27.24% variable
Recommended credit
(No Credit History)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
All information about the Citi Rewards+® Card, Wells Fargo Propel American Express® card and My GM Rewards Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Gas credit cards earn points, cash back or miles on special rewards for gas purchases. The best gas rewards cards also offer bonus rewards in other categories, such as groceries or dining. If you spend lots of time with your foot on the pedal, gas cards can cut the cost of fueling up.
How do gas credit cards work?
When you use a gas credit card at a gas station, you’ll earn rewards, which can be cash back, points, or miles. Some gas credit cards are closed-loop store cards that only work with a specific gas brand, but cash back and travel rewards cards can be used anywhere.
Pros and cons of credit cards for gas
Pros
Rewards: Many gas credit cards let you earn cash back or points on every fill-up — a big plus if you commute or drive often. Some cards offer sign-up bonuses or extra perks that boost your savings.
No annual fee options: Several gas credit cards earn generous rewards on gas without charging an annual fee, which is ideal for maximizing value without upfront cost.
Accessible for fair or limited credit: If you’re still building credit, a card like the Discover it® Secured Credit Card lets you earn rewards on gas while working to improve your credit profile.
Cons
Limited earning potential: Some gas cards cap rewards or only offer bonus rates at specific gas stations or during promotional periods, so you may earn less than expected unless you track restrictions carefully.
Few welcome offers: Many gas cards lack significant sign-up bonuses. If you’re eligible, a card like the Chase Freedom Unlimited® could offer stronger first-year value, including a welcome bonus and introductory APR.
High interest rates: Gas cards often carry higher APRs, especially for applicants with fair credit. If you carry a balance, a low-interest credit card may help you save more over time.
Who should get a gas credit card?
You should get a gas credit card if:
You spend a lot of time on the road, whether you’re traveling or commuting
Gas is one of your top monthly expenses
You pay your balance in full each month
You shouldn’t get a gas card if:
You don’t spend much on gas
You drive a hybrid or electric vehicle
You carry a balance month to month
How to choose a credit card for gas
Start by asking yourself these questions when you choose a gas credit card:
How much do you spend on gas? If fuel is one of your biggest monthly expenses — whether for commuting, travel, or business — a gas credit card can offer real savings through cash back or points. But if you don’t drive much, you may earn too little in rewards to justify a card with bonus gas categories. In that case, a general cash back card with a flat rate on all purchases may be a better fit.
Are you willing to track spending categories or limits? Certain gas cards have rotating or capped categories, so you’ll need to stay on top of how and when you earn maximum rewards. If you prefer simplicity, a flat-rate card like the Citi® Double Cash Card may be easier to manage.
Is avoiding an annual fee important to you? Many gas cards don’t charge an annual fee, making them a low-risk way to earn rewards on everyday spending. However, cards with annual fees may offer higher reward rates or additional perks. If you spend heavily on gas, a premium cash back card could still be worth it.
Do you plan to carry a balance? Gas credit cards often come with relatively high APRs, especially for applicants with lower credit scores. If there’s a chance you won’t pay your balance in full each month, consider a low-interest card instead to avoid losing your rewards to interest charges.
How to make the most of a credit card for gas
Maximize your sign-up bonus: If your gas credit card offers a welcome bonus, make sure you hit the minimum spending requirement to unlock it. Use the card for large purchases or recurring bills — especially fuel — within the bonus period to reach the threshold and boost your rewards.
Use the card for all eligible gas and bonus categories: To earn the most cash back or points, consistently use your card for gas purchases and any other bonus categories it covers, such as groceries, transit, or dining.
Make timely payments: Getting your balance paid on-time and in full is one of the essentials of any credit card, but especially with gas cards. Some cards come with high APRs that can put you in the fast lane to expensive bills.
Stack rewards with fuel loyalty programs: Some gas credit cards let you combine savings with station loyalty programs. For example, linking your card to a Shell Fuel Rewards or Exxon Mobil Rewards+ account can increase your savings per gallon. It’s an easy way to double-dip on discounts.
Track spending limits and category caps: Many gas cards have quarterly or annual reward caps. If your card only offers bonus rewards up to a certain dollar amount, be mindful of your spending and consider switching to a flat-rate card once you hit the limit.
Alternatives to Gas Credit Cards
Flat-rate cash back cards: If you prefer simplicity or don’t spend much on gas, a flat-rate card may offer more consistent value. You’ll earn rewards on every purchase without worrying about tracking categories or limits.
Low-interest credit cards: If you tend to carry a balance or need to finance a large purchase, a low-interest or 0% intro APR credit card can save you more in the long run than any gas rewards.
How we picked the best credit cards for gas
Our editorial team and expert review board analyzed hundreds of gas rewards cards to help you maximize your potential earnings on everyday purchases. A number of factors went into our search, but the following were the most important in choosing the top gas rewards credit cards:
Rewards rate: Some gas cards have earnings as high as 4% and 5% in select categories, competing with top rates on the market. With worthwhile rewards available, we made sure to include the most valuable options.
Annual fee: Many gas cards are affordable, coming with no annual fee. We selected options that weren’t costly up front, and if a card here does have an annual fee, we believe it is worthwhile.
Supplemental rewards categories: Gas cards oftentimes provide rewards in other areas, adding versatility to where you can get big savings. We included the top options that let cardholders earn at a high rate in all different kinds of places.
Availability: Gas credit cards are designed for all different ranges of credit scores, so we included choices for a variety of consumers.
Full criteria used: Integration with loyalty programs, redemption options, redemption flexibility, sign-up bonus, other benefits, customer service, rates and fees, ease of application. For more detail on our review scores, see our ratings process for creditcards.
Additional information on gas credit cards
For more information on spending and saving with gas credit cards, continue reading content from our credit card experts:
Whether a gas rewards credit card requires fair credit or good credit depends on the card, but there are gas credit card options for all credit ratings. You might qualify for a cash back card with good credit, or a secured card with bad credit.
A gas card can be worth it if gas is a frequent expense for you. These cards typically don’t have an annual fee, so you can earn rewards without having to worry about making up enough value to offset the fee.
A general-purpose rewards card offers a lot of value for the average gas spender, earning cash back rewards across multiple categories, including gas. Look for a card that fits your spending habits with gas purchases and other top rewards categories, and glance at the benefits to see if you could get value out of those. Compare the value of rewards and benefits to the annual fee, if there is one, to consider whether a gas card is a good fit for you.
Yes, most gas credit cards can be used anywhere the card network (like Visa, Mastercard, or Amex) is accepted. Some gas cards earn elevated rewards for categories such as groceries, transit, or dining, making them versatile for everyday spending.
About the Author
Joey Robinson
Joey Robinson is a credit cards writer for CreditCards.com and has worked at a “Big Four” (Ernst & Young) accounting firm before exploring the world of credit cards. After learning proper professional and financial practices through federal audits, he moved on to his second job, where he was introduced to CreditCards.com/Bankrate as a data analyst. As time passed, his interests drifted away from data analysis and into the communication of credit card essentials. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like CreditCards.com, Bankrate.com and NextAdvisor. His advice on avoiding common credit card fees, top balance transfer tactics and more financial tips have been featured on MSN Money and other various news publications.
About the Editor
Nouri Zarrugh
Nouri Zarrugh is a staff editor at CreditCards.com and Bankrate, focusing on credit card reviews, product news and recommendations. Also a fiction writer, he won the Keene Prize for Literature and holds an MFA in creative writing from the Michener Center for Writers at the University of Texas at Austin.
About the Reviewer
Jason Steele
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets. He’s frequently interviewed and quoted by mainstream outlets on the subjects of credit cards and travel. Jason is passionate about travel rewards credit cards, which he uses to earn rewards that he can redeem for him and his family to travel around the world. Jason is also the founder and producer of CardCon, a conference for credit and credit card journalists that’s held annually.
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CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
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