If you have a diesel vehicle you can earn cash back on gas purchases at gas stations, as long as the purchase is coded as gas and your card offers cash back or points on gas purchases.
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Dear Cashing In,
I just bought a new diesel pickup truck, and I have the Citi Costco Anywhere card. Does the 4 percent reward apply to diesel fuel used for transportation? – Jim
You don’t hear a lot of talk about diesel fuel these days. Instead, you hear a lot about the rising interest in electric vehicles and hybrids. But if you look at the numbers, there are actually a lot of diesel vehicles being sold in the United States.
Diesel cars often get good mileage and are much different from the exhaust-belching diesel vehicles of the 1970s.
See related:Best cards for gas purchases
Diesel vehicles and credit card rewards
If you have a vehicle that runs on diesel, you should know that the same rewards you collect in the category commonly known as “gas” also apply to diesel.
When it comes to rewards on gas (and diesel), credit card companies don’t pay attention to what type of fuel you are actually pumping – whether it’s regular unleaded or premium unleaded or diesel.
Instead, they look at where the charge is made, and if it originates from a gas station, and you have a card that gives extra reward points at gas stations, you earn the extra points.
Maximizing card rewards at gas stations
If you have a card that earns extra points at gas stations, you can maximize reward points by using your card to buy things at gas stations that you wouldn’t ordinarily buy – not just gas.
For instance, you might consider buying gift cards at a convenience store with gas pumps because it likely will be regarded as a gas-station purchase and qualify for extra points. Prices at convenience stores tend to be more expensive than at grocery stores, but if you are trying to decide between the two locations, you might consider going to the one that earns you the extra points.
There are a number of cards that give extra rewards at gas stations:
- The Sam’s Club Mastercard gives 5 percent back at gas stations.
- Your Costco Anywhere Visa card by Citi gives you 4 percent back at gas stations.
- Then there are a number of cards that earn you 3 percent at U.S. gas stations, including the Wells Fargo Propel American Express® card, Bank of America® Cash Rewards credit card, Citi Premier Card, and Blue Cash Preferred® Card from American Express.
- And there are also a lot that earn 2 percent or 2 points per dollar spent, including Discover it® chrome (on gas station and restaurant spending, on the first $1,000 in combined purchases quarterly, then 1 percent), Blue Cash Everyday® Card from American Express and USAA Rewards American Express® Card.
Should you have one of those cards, rest assured that purchases at gas stations – even if you are buying diesel – should earn the bonus rewards.