Gas Cards & Auto Rewards

Whether you drive a little or a lot, these gas credit cards are great for anyone who finds themselves at the fuel pump. Get gas, get rewarded - it's that simple. Each of these cards offer varying rewards on other categories as well. We analyzed 390 credit card offers with gas rewards to get to our top 10 recommendations. Review the best gas rewards credit card offers from our partners below and apply for the card that best fits you.

See the best gas credit card offers from our partners below.

Summary

The best gas credit cards of 2018 are:

Updated: August 1, 2018

NEW CARD: REDEEM POINTS FOR CASH BACK

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card
Good to Excellent Credit Recommended (670-850) ? 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.
at Wells Fargo's Secure Site

At A Glance

Intro Bonus
30,000 points
?

Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that's a $300 cash redemption value

Annual Fee
$0
Regular APR
14.24% - 26.74% variable

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Highlights

  • New! Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that's a $300 cash redemption value
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months on purchases and balance transfers, then a 14.24%-26.74% variable APR; balance transfer fees apply
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% for 12 months
Regular APR
14.24%-26.74% (Variable)
Intro Balance Transfers APR
0% for 12 months

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Discover it® Secured

Discover it® Secured

797 Reviews

See Rates & Fees

Bad to Fair Credit Recommended (300-670) ? 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.
at Discover's Secure Site

At A Glance

Intro Bonus
Cashback Match™
?

Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Annual Fee
$0
Regular APR
24.74% variable

See Rates & Fees

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Highlights

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.

Rates & Fees

Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
24.74% Variable
Intro Balance Transfers APR
10.99% for 6 months

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Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

9,230 Reviews

Fair to Good Credit Recommended (580-740) ? 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.
at Capital One's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$39
Regular APR
24.99% variable

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Highlights

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Rates & Fees

Annual Fee
$39
Intro Purchase APR
N/A
Regular APR
24.99% (Variable)
Intro Balance Transfers APR
N/A

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Chase Freedom Unlimited®

Chase Freedom Unlimited®

9,884 Reviews

Good to Excellent Credit Recommended (670-850) ? 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.
at Chase's Secure Site

At A Glance

Intro Bonus
$150
?

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee
$0
Regular APR
16.74% - 25.49% variable

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Highlights

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Regular APR
16.74% - 25.49% Variable
Intro Balance Transfers APR
0% Intro APR on Balance Transfers for 15 months

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Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

See Rates & Fees , Terms Apply

Good to Excellent Credit Recommended (670-850) ? 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.
at American Express's Secure Site

At A Glance

Intro Bonus
$150
?

$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Annual Fee
$0
Regular APR
14.74% - 25.74% variable

See Rates & Fees , Terms Apply

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Highlights

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% on Purchases for 15 months
Regular APR
14.74%-25.74% Variable
Intro Balance Transfers APR
0% on Balance Transfers for 15 months

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Discover it® chrome

Discover it® chrome

1,041 Reviews

See Rates & Fees

Good to Excellent Credit Recommended (670-850) ? 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.
at Discover's Secure Site

At A Glance

Intro Bonus
Cashback Match™
?

Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Annual Fee
$0
Regular APR
13.74% - 24.74% variable

See Rates & Fees

Show Less

Highlights

  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% for 14 months
Regular APR
13.74% - 24.74% Variable
Intro Balance Transfers APR
0% for 14 months

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U.S. Bank Cash+™ Visa Signature® Card

Excellent Credit Recommended (740-850) ? 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.
at U.S. Bank's Secure Site

At A Glance

Intro Bonus
$150
?

$150 after you spend $500 in eligible net purchases in the first 90 days of account opening.

Annual Fee
$0*
Regular APR
15.74% - 24.74% variable

See Rates & Fees

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Highlights

  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
  • 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.74% - 24.74%
  • No annual fee*
  • Great Offer for Customers of U.S. Bank, a 2018 World's Most Ethical Company® - Ethisphere Institute, February 2018

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
N/A
Regular APR
15.74% - 24.74%* (Variable)
Intro Balance Transfers APR
0%* intro on BTs for 12 billing cycles

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MLB™ Cash Rewards Mastercard® from Bank of America

MLB™ Cash Rewards Mastercard® from Bank of America
Good to Excellent Credit Recommended (670-850) ? 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.
at Bank of America's Secure Site

At A Glance

Intro Bonus
$200
?

$200 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

Annual Fee
$0
Regular APR
14.99% - 24.99% variable

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Highlights

  • New Offer: $200 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% variable APR. 3% fee (min $10) applies to balance transfers

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Regular APR
14.99% - 24.99% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days.

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Credit One Bank® Unsecured Platinum Visa®

Credit One Bank® Unsecured Platinum Visa®

4,616 Reviews

Fair to Good Credit Recommended (580-740) ? 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.
at Credit One Bank's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0 - $99
Regular APR
19.74% - 25.74% variable

Show Less

Highlights

  • Enjoy peace of mind with $0 Fraud Liability
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Automatic reviews for credit line increases give you opportunities to get even more credit
  • Choose your monthly payment due date for added convenience, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts

Rates & Fees

Annual Fee
$0 - $99
Intro Purchase APR
N/A
Regular APR
19.74% - 25.74% Variable
Intro Balance Transfers APR
N/A

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Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

Comparing Credit Cards for Gas and Auto Rewards

Updated: August 1, 2018

Gas credit cards provide special rewards like cash back, points, and rebates for purchasing gas. If you’re interested in a gas credit card, note that there are several types, each with a unique set of benefits and conditions. Beyond saving money at the pump, the best gas credit cards can help you build credit, lower your grocery bill, and start collecting valuable points you can use toward other reward categories, like travel.

In this guide to gas credit cards, you’ll learn:

With many different types of gas cards, you’re in a position to find a card tailored to your needs. Whether you’re a small business owner who does a lot of local traveling or a brand-loyal consumer looking for a gas credit card, there’s an option for you. Read on before making a decision!


CreditCards.com's Best Gas Cards of 2018

CardRewards Rate at Gas StationsReview ScoreAnnual Fee
Bank of America® Cash Rewards credit card3%*4.1 / 5$0
Wells Fargo Propel American Express® Card3X3.7 / 5$0
Discover it® Secured2%4.8 / 5$0
Capital One® Quicksilver® Card1.5%3.7 / 5$0
Chase Freedom Unlimited®1.5%3.4 / 5$0
Blue Cash Everyday® Card from American Express2%3.3 / 5$0
Discover it® chrome2% on Gas & Restaurants up to $1,000 every quarter2.9 / 5$0
U.S. Bank Cash+™ Visa Signature® Card2% (requires user activation)2.0 / 5$0
MLB™ Cash Rewards Mastercard® from Bank of America3%N/A$0
Credit One Bank® Unsecured Platinum Visa®1%4.6 / 5$0 - $99

*Up to $2,500 on combined purchases each quarter.

Methodology

Gas rewards credit cards analyzed: 390

Criteria used: Rewards rate, supplemental rewards categories, integration with loyalty programs, redemption options, redemption flexibility, sign-up bonus, other benefits, customer service, credit needed, rates and fees, ease of application

How do gas credit cards work?

Gas credit cards offer special rewards for purchases on gas; they can be categorized as either rewards cards or rebate cards. The best gas rewards cards offer cash back (usually 1-3%) or points on gas, as well as on purchases in other categories. Gas rebate cards offer cents off for every gallon of gas purchased.

Gas cards fall into one of three buckets:

  1. General cash back cards with rewards on gas purchases.
  2. Gas rebate cards that are co-branded with a retailer like BP and network like Visa or Mastercard.
  3. Gas rebate cards that are specific to one retailer like Shell or Chevron and not within a network.

The key to maximizing your savings is to find the card that most closely aligns with your spending habits. As a rule of thumb, gas rebate cards are best for people who are brand-loyal. If you buy gas at many different retailers, a gas rewards card is usually the better choice.

Purchasing Gas with General Rewards Cards

Most cashback and rewards credit cards offer incentives for spending on gas, but also offer rewards on other types of purchases. For this reason, top cashback cards like the Blue Cash Everyday® Card from American Express and Capital One® Quicksilver® Card are among some of the best gas and grocery credit cards.

General cashback and rewards cards are a great tool for simplifying and magnifying your savings. Use these and you won’t have to worry about leaving savings at the pump or in line at the grocery store.

Purchasing Gas with Gas Rebate Credit Cards

Branded gas credit cards like the Shell Drive for Five® and BP Visa® Credit Card are usually rebate cards. With these, you’ll save anywhere from 5 cents to 25 cents per gallon of gas you buy at that particular retailer. However, branded cards don’t offer rewards on purchases at other gas retailers.

What to know about branded gas rebate credit cards:

  • Not all gas rebate cards are part of a network like Visa or Mastercard. Shell’s Drive for Five® credit card is a non-network rebate card that will earn you five cents off per gallon at Shell, but it can’t be used for purchases anywhere else.
  • Gas credit cards in a network offer extra rewards, but still exclude purchases at other gas retailers. If you have a BP Visa® Credit Card, you’ll earn five cents off per gallon for every $100 spent on purchases outside of BP everywhere Visa credit cards are accepted, but won’t get any savings if you buy gas at a non-BP gas station.
  • Rebates expire, usually after 12 months. Because of this, it’s difficult to accrue enough rewards to redeem them for a large amount of “free” gas.

Essentially, with a branded gas rebate card, you can expect some decent savings on on-brand gas purchases, but negligible awards on most other things.

Gas Rewards Credit Cards vs. Gas Rebate Credit Cards

 Gas Rewards Credit CardGas Rebate Credit Cards
Good forReceiving cash back, pointsBuilding credit, saving on gas
Credit needed (FICO score)Good/Excellent (670+)Fair (580 or lower)
Annual fee?SometimesNo
Sign-up bonus?Potential cash/points bonusPotential introductory rebates
RewardsUsually gas, groceries and retailGas at one retailer

Do gas credit cards help build credit?

Yes, gas credit cards can help build credit. As is the case with most other types of cards, responsible use of a gas credit card will improve your credit score. If you’ve never had a credit card and are thinking of applying for a gas card as your first one, consider:

  • Most gas credit cards will approve your application instantly. Gas cards carry low credit limits and high APRs. This makes them an option for people with average to no credit.
  • The average APR on a gas credit card is very high. 23.61%, per the 2018 CreditCards.com gas card survey. Most gas cards don’t offer a 0% introductory APR either, so if you’re planning on using one, pay off your balance every month to avoid paying interest.

The bottom line — If you drive a lot, you’re gas brand-loyal, and your credit is average or limited, a gas credit card may be a good option for you. If you’re not brand-loyal, there are still many other credit cards for people with fair credit to choose from.

Where gas credit cards can be used

If your gas credit card is part of a network like Visa or Mastercard, you can use it anywhere. If your gas card is not a part of a network, you won’t be able to use it anywhere besides the issuing gas retailer.

How do I know if my gas credit card is in a network?

Gas cards that are within a network feature Visa, Mastercard, American Express, or Discover logos. If there is no network logo on your card, you won’t be able to use it most places.

Factors to consider when choosing a gas credit card

The price of gas

Gas rebate cards offer cents off per gallon, which can result in bigger savings when the cost of gas is low.

The average cost of gas in the United States is $2.73 per gallon (as of April 19, 2018, per AAA). Using the BP Credit Card (ten cents off per gallon) to purchase fifteen gallons of gas results in a savings of $1.50. Using the Blue Cash Everyday® Card from American Express (2% cash back at U.S. gas stations) to purchase the same amount of gas results in a savings of roughly 81 cents. You’ll save even more with a cashback card when gas prices rise.

Your credit score

If you have an average-to-poor credit score, you’ll likely still be approved for a gas card. If you have an excellent credit score, you may be better off opting for a card with more robust, flexible rewards that also provides incentives for gas.

The Chase Freedom® card is an example of a gas rewards credit card that offers ample cash back on gas (5% as part of rotating quarterly categories), along with cash back on all other types of purchases.

Are you loyal to one brand?

If you only like buying gas at one gas station, it’s not a bad idea to apply for their branded credit card.

Consider the fact that most people who are passionate about one gas station don’t necessarily fuel up at the largest retailers. Shell, Exxon, and Chevron, who come in at numbers one, two, and three respectively in terms of US market share (per CSP Daily News, an industry publication) aren’t among the top ten favorite gas stations in America, according to comprehensive gas station review app, GasBuddy.

If you’re a person who regularly rotates between Mobil, Sheetz, and Kwik Trip based on price, take a look at a cashback credit card with gas rewards.

Who should get a gas rewards credit card

Some gas credit cards offer a very broad, flexible rewards program and some offer value with a more rigid structure. Your credit score, spending habits, and geographic location are all factors in deciding whether a gas card is right for you, but generally, you should apply for one if:

  1. You drive a lot or have a long commute. Whether you go with a traditional rewards card or opt for a gas rebate card, if you drive often, a gas credit card will help you save. If you’re already spending an hour at least on the road per day, why not get rewarded for it? Start using those commuter miles to your advantage with a gas card.
  2. You have good/excellent credit and want to expand your rewards. There are points to be had and cash back to be earned for people who are good candidates for cards like the Premier Rewards Gold Card from American Express. If you aren’t already saving on gas in some way, you can certainly start with a cashback credit card.
  3. You don’t have a stellar credit score. The high APRs on most gas cards make carrying a balance a bad idea, but if you pay off your balance every month, using a gas card will improve your credit. Unlike other types of rewards cards, most gas cards will approve your application instantly, even with poor credit.
  4. 4.You’re planning a road trip. Although most gas credit cards don’t offer 0% introductory APR, a lot of them provide high rebates for the first few months. The Phillips 66 Drive Savvy® Rewards Credit Card knocks fifty cents off per gallon purchased for the first 30 days—which adds up to huge savings on a summer road trip. Introductory rebate offers pay off no matter how much you drive, but when planning a major road trip, the savings quickly add up.

How much can you save with a gas credit card?

You can take advantage of gas cards with introductory rebate offers to experience significant savings, especially in the first couple months. Let’s examine a real example to find out how much money you can potentially save.

Perhaps you’re planning your yearly trip up the Pacific Coast Highway. For the sake of this example, let’s use the following data points:

  • You're traveling from Dana Point, CA to Leggett, CA (653 miles, according to the Travel Channel).
  • You’re driving a 2017 Jeep Wrangler with an EPA combined city/highway fuel efficiency of 18 mpg.
  • The average cost of gas in California is $3.55 per gallon (as of April 19, 2018, according to AAA).

If you were to pay for gas without the use of a gas card, you’d spend roughly $256 on fuel round-trip. With the use of a Drive Savvy® Rewards Credit Card from gas retailer, 76, you can take advantage of a 50 cents off per gallon offer for the first 30 days. With this card, you’ll spend roughly $220 in total. That’s a savings of $36 on one road trip alone.

If you’re considering a gas credit card, consider the intro offers in the context of your own gas budget. For many people, the rewards are lucrative and a smart way to save money.


Griffin Miller is a personal finance writer at Bankrate, specializing in credit cards. He frequently contributes research, guides, and advice to CreditCards.com. You can reach Griffin at editors@creditcards.com.


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