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Best gas credit cards of 2021

Written by: Joey Robinson | Edited by: Tracy Stewart | Reviewed by: Jason Steele
|

November 18, 2021

Best Gas Credit Cards for 2021:

BEST FOR STUDENTS
Discover it® Student chrome
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.

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.

Rewards rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

At A Glance

Intro bonus
Cashback Match™ Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Annual fee
$0
Regular APR
12.99% - 21.99% variable
BEST FOR SUPERSIZED GAS REWARDS
Sam's Club® Mastercard®
Our rating:2.9 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.

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.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Rewards rate

5%
5% cash back on gas anywhere (up to $6,000)
5%
Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
3%
3% cash back on dining and takeout
1%
1% cash back on all other eligible purchases.

At A Glance

Intro bonus
No current offer
Annual fee
No Annual Fee
Regular APR
15.65% or 23.65% Variable
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
BEST FOR BONUS POINTS
Citi Rewards+® Card
Our rating:3.2 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.

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.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Rewards rate

2X
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1X
Earn 1X ThankYou® Points on All Other Purchases.

At A Glance

Intro bonus
20,000 points Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Annual fee
$0
Regular APR
13.49% - 23.49% (Variable)
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
BEST FOR LIMITED CREDIT HISTORY
Discover it® Secured Credit Card
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.

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.

Rewards rate

2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn unlimited 1% cash back on all other purchases – automatically.

At A Glance

Intro bonus
Cashback Match™ Intro Offer: Unlimited Cashback Match - 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. Just a dollar-for-dollar match.
Annual fee
$0
Regular APR
22.99% variable
BEST FLAT-RATE REWARDS FOR FAIR CREDIT
Capital One QuicksilverOne Cash Rewards Credit Card
Our rating:3.9 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.

Recommended credit

580-740 (Fair to Good) 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.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Rewards rate

1.5%
Earn unlimited 1.5% cash back on every purchase, every day

At A Glance

Intro bonus
No current offer
Annual fee
$39
Regular APR
26.99% variable
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
BEST FOR NO ANNUAL FEE
Discover it® chrome
Our rating:3.9 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.

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.

Rewards rate

2%
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

At A Glance

Intro bonus
Cashback Match™ Intro Offer: Unlimited Cashback Match - 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. Just a dollar-for-dollar match.
Annual fee
$0
Regular APR
11.99% - 22.99% variable
BEST FOR CREDIT-BUILDERS
Credit One Bank® Platinum Rewards Visa
Our rating:3.7 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.

Recommended credit

580-740 (Fair to Good) 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.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Rewards rate

5%
Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter.
1%
1% cash back rewards on all other purchases. Terms Apply.

At A Glance

Intro bonus
No current offer
Annual fee
$95
Regular APR
23.99% variable
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
BEST FOR GAS STATIONS
Costco Anywhere Visa® Card by Citi
Our rating:2.3 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.

Recommended credit

740-850 (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.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Rewards rate

4%
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
3%
3% cash back on restaurants and eligible travel purchases
2%
2% cash back on all other purchases from Costco and Costco.com
1%
1% cash back on all other purchases

At A Glance

Intro bonus
No current offer
Annual fee
$0
Regular APR
15.24% (Variable)
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
BEST NO ANNUAL FEE CARD FOR CREDIT-BUILDERS
Credit One Bank® Platinum Rewards Visa with No Annual Fee
Our rating:3.2 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.

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.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Rewards rate

2%
2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.

At A Glance

Intro bonus
No current offer
Annual fee
$0
Regular APR
23.99% variable
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
BEST FOR HILTON HONORS MEMBERS
Hilton Honors American Express Card
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.
See Rates & Fees, Terms Apply

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.

Rewards rate

7X
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
5X
Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

At A Glance

Intro bonus
Up to 130,000 points Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
Annual fee
$0
Regular APR
15.74% - 24.74% variable
BEST FOR CUSTOMERS WITH AVERAGE CREDIT
Credit One Bank® Visa® Cash Back Rewards
Our rating:2.7 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.

Recommended credit

580-740 (Fair to Good) 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.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Rewards rate

1%
Receive 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.

At A Glance

Intro bonus
No current offer
Annual fee
$39
Regular APR
23.99% variable
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
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All information about the Wells Fargo Propel American Express® card has been collected independently by CreditCards.com and has not been reviewed by the issuer.


A guide to credit cards for gas and auto rewards

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 things like travel rewards.

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, a commuter student or a brand-loyal consumer looking for a gas credit card, there’s an option for you. Read on before making a decision!


Credit cards for gas compared

CardRewards rate at U.S. gas stationsAnnual feeReview score
Blue Cash Preferred® Card from American Express3%$0 intro annual fee for the first year, then $954.0 / 5
Discover it® Student chrome2% (at gas stations and restaurants, up to $1,000 in combined spend per quarter, then 1%)$04.1 / 5
Sam’s Club® Mastercard®5% on gas anywhere (up to $6,000)No annual fee2.9 / 5
Citi Rewards+® Card2X (2X at gas stations and supermarkets up to $6,000 per year, then 1X)$03.2 / 5
Discover it® Secured Credit Card2%  (at gas stations and restaurants, up to $1,000 in combined spend per quarter, then 1%)$04.1 / 5
Capital One QuicksilverOne Cash Rewards Credit Card1.5%$393.9 / 5
Discover it® chrome2% (at gas stations and restaurants, up to $1,000 in combined spend per quarter, then 1%)$03.9 / 5
Credit One Bank® Platinum Rewards Visa5% cash back on eligible gas, groceries, cell phone services, internet, and cable or satellite TV service purchases (on first $5,000 in spending per year, then 1%)$953.7 / 5
Costco Anywhere Visa® Card by Citi4% (first $7,000 in per year purchases, then 1%)$02.3 / 5

best gas credit cards of 2020

Editor’s picks: Gas credit card details

Blue Cash Preferred® Card from American Express: Best for family spending

Why we picked it: The Blue Cash Preferred Card is one of the most lucrative cards on the market thanks to its exceptional cash back program. With so many high-earning spending categories, it makes the daily grocery runs, the gas station visits and even the family binge-watching sessions that much more rewarding.

Pros: The Blue Cash Preferred offers a competitive 3% cash back at U.S. gas stations and transit; 6% back at U.S. supermarkets (up to $6,000 a year, then 1%); 6% back on select U.S. streaming subscriptions; and a $300 statement credit after you spend $3,000 in purchases within the first six months of card membership. No other card offers as high of earnings at U.S. supermarkets, and the earnings on U.S. gas stations are more than competitive.

Cons: This card’s annual fee is $95 ($0 introductory annual fee for the first year). Also, the heightened cash back rewards are only available in the U.S.

Who should apply? Family shoppers who often spend at grocery stores and gas stations might want to start bringing this card along on their errands thanks to its built-in cash back discounts.

Who should skip? Someone who spends time on the road but isn’t a supermarket shopper should explore their other options here – there may be a more fitting rewards structure for less of an ongoing annual fee.

Read our Blue Cash Preferred® Card from American Express review.

Discover it® Student chrome: Best for students

Why we picked it: It can be difficult to find a student credit card that offers a rewards structure as high as this card. This no-annual-fee card offers 2% cash back at gas stations and restaurants for up to $1,000 in combined purchases per quarter (then 1%) and 1% on all other purchases. Plus, all the cash back you earn is matched at the end of your first year thanks to Discover.

Pros: This card comes with several benefits: no credit history required, access to your FICO score, no APR changes for late payments and a 6-month introductory 0% APR on purchases (then 12.99% to 21.99%, variable).

Cons: While ideal for a consumer just starting out, this is a card you will outgrow rather quickly. There is no penalty APR for late payments, but a late payment fee of up to $40 will apply after the first time you pay late.

Who should apply? This card is a great choice for anyone building credit. Thanks to high-traffic categories, useful perks and matched first-year cash back, the Discover it Student chrome might be the best student card out there.

Who should skip? Being a student card, this option doesn’t have all the capabilities some of the best cash back cards offer. If you have a good to excellent credit score, you should see what else is out there.

Read our Discover it Student chrome review.

Sam’s Club® Mastercard®: Best for supersized gas rewards

Why we picked it: This card offers a whopping 5% cash back on gas purchases (up to the first $6,000 per year) anywhere, meaning you’re not limited to only filling up at Sam’s Club fuel stations. Cardholders also earn 3% cash back on dining and 1% cash back on other purchases, with a maximum of $5,000 cash back per year.

Pros: You’ll also receive a small account opening offer: a $30 statement credit if you spend $30 in Sam’s Club purchases within 30 days of account opening. There’s no annual fee, though a $45 Sam’s Club membership is required. Plus, as a nice surprise, there are no foreign transaction fees, a benefit highly uncommon among store-branded credit cards.

Cons: The rewards redemption program is restrictive: You can only put rewards toward Sam’s Club expenses or statement credits, unless you redeem for cash back at the wholesale retailer. Moreover, you only receive rewards once a year in February, and those rewards expire if you don’t redeem them by Dec. 31 of that same year. You’ll also lose rewards if your Sam’s Club membership lapses before February.

Who should apply? Sam’s Club shoppers can take advantage of a best-in-class return on gas purchases without restrictions on where they fill up.

Who should skip? Although you don’t have to fill up at a Sam’s Club to get rewarded, you’ll want to be in the vicinity of one if you’re a carrier of this card. Rewards can only be used for Sam’s Club expenses or statement credits unless you redeem for cash at a physical Sam’s Club location.

Read our Sam’s Club Mastercard review.

Citi Rewards+® Card: Best for bonus points

Why we picked it: The Citi Rewards Card offers a unique rewards rate that makes it easy to rack up those bonus points. With the Citi ThankYou points rate, even the smallest everyday purchases, like a cup of coffee or a tank of gas have the potential to be very rewarding.

Pros: Not only do you get 2X points at gas stations and supermarkets (on up to $6,000 each year, 1X thereafter), but the sign-up bonus you’ll get is top-notch. You’ll earn a 20,000 point bonus after a $1,500 spend in the first three months (redeemable for $200 in gift cards at thankyou.com). Plus, your rewards are always rounded up to the nearest 10 points – meaning a $1.29 pack of gum is worth a full 10 points. Also, you’ll get 10% of your points back on the ThankYou points you redeem for up to 100,000 points per year.

Cons: The intro balance transfer fee is 3% or $5 (whichever is greater) for balance transfers completed within the first 4 months of account opening, and there is a foreign transaction fee of 3%. Also, your travel redemption is limited to only the ThankYou Travel Portal.

Who should apply? Those looking for a straightforward rewards program for their everyday purchases might want to consider the Citi Rewards+. Also, if you find yourself making lots of small purchases, the round up feature might be for you.

Who should skip? If you’re someone who’s shy about using your card, this probably isn’t the right choice for you. The unique rewards structure of the Citi Rewards+ is designed to help shoppers capitalize on every purchase, no matter how small.

Read our Citi Rewards+® Card review.

Discover it® Secured Credit Card: Best for limited credit history

Why we picked it: It can be a challenge to find a secured credit card that offers a high rewards structure and generous benefits. The Discover it Secured card gives you tools that can help you stay on track financially, all the while maximizing your savings.

Pros: Earn 2% back at gas stations and restaurants (up to $1,000 in combined purchases quarterly, then 1%) and 1% on all other purchases. To cap it off, your cash back is matched at the end of your first year of card membership. That means if you spend $200 a month on gas and dining out, that comes to $48 for the year, plus another $48 matched at the end of your first year. Also, your credit will grow thanks to benefits like credit report alerts and a review for a credit line increase after eight months.

Cons: If you think you might be tempted to overspend with this starter card because of the rewards, this may not be the best choice for you.

Who should apply? The Discover it Secured card might be the best of its kind, offering easy access, generous rewards and tools to build your credit score. Those with limited credit looking for a secured option to get started should look no further.

Who should skip? Although it’s a top-notch secured card, someone with an established credit score capable of earning rewards with unsecured cards should review their options.

Read our Discover it® Secured Credit Card review.

Capital One QuicksilverOne Cash Rewards Credit Card: Best flat-rate rewards for fair credit

Why we picked it: Thanks to a simple rewards structure, this card could be an ideal option if you don’t prefer to keep track of rotating categories and would rather earn a flat-rate cash back on all purchases.

Pros: You’ll earn 1.5% cash back not only on gas, but on all purchases, no matter the category. Also, the QuicksilverOne typically accepts consumers with fair credit, which is handy if you are trying to improve your credit and you also want to practice using rewards.

Cons: This cash back card has an annual fee ($39), which lowers your overall rewards. That means to benefit from the 1.5% back, you’ll need to spend at least $2,700 each year to break even. Also, the card’s APR is high (26.99%, variable), so carrying a balance could be costly.

Who should apply? Those with fair credit who still want to earn cash back rewards are a good fit for this card.

Who should skip? Shoppers who spend most of their money in one or two categories might have more to earn with a rotating categories card or one that heightens rewards in a particular field.

Read our Capital One QuicksilverOne Cash Rewards Credit Card review.

Discover it® chrome: Best for no annual fee

Why we picked it: Ideal for the cardholder with good or excellent credit, this card offers a decent rewards rate. Also, the lack of annual fee means you won’t have to worry about it potentially cutting into your cash back earnings.

Pros: The Discover it chrome gives you all the benefits of the Discover it Secured – 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases quarterly, then 1%) – but without the need for a security deposit on your line of credit. This card also gives you the opportunity for a lower ongoing interest rate (11.99% to 22.99%, variable).

Cons: Like many Discover cards, this card offers a Cashback Match at the end of the first year instead of a traditional sign-up bonus. Consider another card if you want gas rewards and a sign-up bonus.

Who should apply? If you spend a lot of time on the road or dining out, this card offers several ways to capitalize without having to pay an annual fee.

Who should skip? Credit builders who don’t yet have the credit score for the Discover it chrome are better off getting started with the Discover it Secured and growing their score over time.

Read our Discover it® chrome review.

Credit One Bank® Platinum Rewards Visa: Best for credit-builders

Why we picked it: This Credit One Bank credit card offers a better-than-most rewards program for a card that’s available to people with fair credit: You can earn 5% cash back on eligible gas, groceries, cellphone services, internet, and cable or satellite TV service purchases (on first $5,000 in spending per year, then 1%), and 1% cash back on all other purchases.

Pros: While the bonus categories are capped to 5% cash back on $5,000 in spending per year (then 1%), there’s no cap on the amount of 1% cash back you can earn. The card also comes with access to free online credit monitoring.

Cons: The card does have the common costs associated with credit cards for fair credit, including a $95 annual fee, which can eat into your rewards earnings. There’s also a variable 23.99% APR, which you can avoid by not carrying a balance. Plus, you’ll start with a low credit limit: $500 minus the annual fee. (You may qualify for credit limit increases with consistent good credit behavior.)

Who should apply? People with fair-to-good credit who may not qualify for a top-tier rewards credit card may enjoy this card’s blend of rewards and credit-building features.

Who should skip? If your annual budget in this card’s bonus-rate categories easily exceeds the $5,000 annual spending cap, you should look for one that can consistently reward your purchases.

Read our Credit One Bank Platinum Rewards Visa review.

Costco Anywhere Visa® Card by Citi: Best for gas stations

Why we picked it: The Costco Anywhere Visa can help you earn extra cash back through everyday purchases. Plus, it has an extraordinary cash back rate on gas.

Pros: This may just be your best shot at finding a gas card most worthy of your wallet – earn 4% cash back on eligible gas purchases (that’s for the first $7,000 per year, then it’s 1% back after that). There are other great rewards, including 3% back at restaurants and eligible travel purchases, as well as a solid 2% back for Costco purchases.

Cons: There’s no annual bonus, as well as no sign-up bonus, and you’ll need to pay the $60 annual Costco membership fee to avoid an annual fee with this card.

Who should apply? Costco members and those who spend a lot of time on the road can benefit greatly from this card.

Who should skip? Anyone opposed to becoming a Costco member won’t be able to utilize this card. On top of the membership requirement to be a cardholder, your cash back certificate must be redeemed at Costco and you get 2% back when spending in the superstore.

Read our Costco Anywhere Visa® Card by Citi review.

What is a gas credit card?

Gas credit cards offer special rewards for purchases on gas. Putting it simply, you’ll earn points, cash back or miles when spending at the pump. The best gas rewards cards offer cash back (usually 1-3%) or points on gas, as well as on purchases in other categories. You can find even higher bonus rates in some circumstances, but many gas cards allow for cardholders with lower-end credit scores while still giving solid rewards.

Thanks to so many gas cards approving cardholders with fair or worse credit scores, these cards open lanes to earnings for all types of consumers – there’s even specific gas cards for bad credit. And with a can’t-miss rewards category, there’s no room for doubt as to whether or not you’ll be taking advantage of the high rate. If you spend lots of time with your foot on the pedal, why not cut the cost of fueling up?

How do gas credit cards work?

As you spend with a gas credit card, you’ll earn rewards in the form of cash back, points to stack for rewards or miles to be used on a future trip. There are some important things to know up front. Firstly, gas credit cards are often easy to apply for online, although credit requirements can vary depending on the type of gas card you’re considering. Your score will impact the available cards in your pool, but nearly anyone can find a way to earn rewards with a gas card. Depending on the card you carry, there may be some slight differences in how you stack rewards.

Some gas cards let you earn points or cash back for each dollar you spend on gas and other purchases, yet closed-loop gas cards that only work with a specific gas brand may offer a discount for each gallon of gas you buy instead.

At the end of the day, the benefits of picking up a gas card depend largely on the card you get approved for and their specific rewards program. Just remember that, like all credit cards, gas cards charge interest when you carry a balance, so you’ll want to pay your gas card bill in full each month you use it. Getting familiar with the various types of gas credit cards available will help you make an informed choice.

Types of gas reward cards

When it comes to gas rewards, your earnings can accumulate in a couple different ways. Knowing the types of cards before applying will save you from any spilled savings:

General-purpose gas cards

The more versatile and traditional choice, these cards work like any basic rewards card but they just so happen to earn bonus rewards at gas stations. Several options here, such as the Citi Rewards+ and the Blue Cash Preferred, fall in this category thanks to their heightened earnings when fueling up on gas. Because of their flexibility in times where you have to pull over and fill up at the closest station, these are often the most desired type of gas card. Like other rewards cards, general-purpose gas credit cards can come with flat-rate rewards or rotating bonus categories.

Loyalty gas cards

The more restrictive (though sometimes more rewarding) choice, loyalty gas cards are distributed by specific gas stations (such as Chevron, Shell or BP) to promote consistent customers. Oftentimes, these act as rebate cards, saving you anywhere from 5 cents to 30 cents per gallon of gas you buy at that particular retailer. One thing to keep in mind: rebates usually expire after 12 months, so it’s difficult to accrue enough rewards to redeem them for a large amount of “free” gas.

With a loyalty gas card, you can expect some decent savings on on-brand gas purchases, but negligible awards on most other things. If the card is in a network, such as Visa or Mastercard, it can be used at more merchants. Even so, your savings will likely be more substantial with a more well-rounded card.

Pros and cons of gas credit cards

Pros

  • Save on fees. Many gas rewards cards come with no annual fee, allowing you to save up front and not have to worry about hitting a certain amount of spending to make your card worthwhile.
  • Widespread availability. Unlike many rewards cards, gas credit cards often allow for credit scores in the fair (580 to 669) or even poor credit range (300 to 579). This gives routes for so many to earn bonus rewards while improving their credit score.
  • Additional rewards. The best gas credit cards come with rewards across several categories. With the right card, you can find huge savings at the grocery store, when dining out, on your internet bills and more.

Cons

  • Low-flexibility options. Though it’s not true for many gas rewards cards, certain co-branded cards might be inconvenient on the road. Strict ties to specific gas stations could get annoying for those not willing to plan filling up ahead of time.
  • Lack of welcome offers. Many gas options don’t provide any bonus rewards for early spending or 0% intro APR periods. If your credit score allows it, you can find sign-up bonuses and other first-year offers, but most gas cards here fall short on these incentives.
  • Vehicle limitations. Even with their growing popularity, gas credit cards are yet to reward electric vehicle charging.

How to choose a gas credit card

Who should get a gas card

  • The road warrior. If you’re someone who spends a ton of time behind the wheel and a ton of money at the pump, you could reap serious rewards from a gas credit card. Even if you’re not certain of the station you’ll stop at, a general-purpose gas card could be a solution to that dilemma. Anyone who has to fill up as often as weekly or more might appreciate the discounted prices on their routine task.
  • The family shopper. Credit cards are sometimes designed with certain consumers in mind, and there are gas credit cards meant for those driving kids around and running the home. You can find rewards at the supermarket, on meals out and takeout, internet, streaming services and more, to add on top of your gas rewards.
  • The credit builder. Though some have high credit score requirements, several gas cards allow for lower credit scores and give people the chance to earn rewards as they work to grow their credit. Just remember that earning rewards doesn’t mean you should overspend, and being sure you regularly pay off your monthly balance in full is the most important step in improving your credit score.

Who should skip a gas card

  • The frequent flyer. Gas cards typically reward in the form of cash back and don’t provide bonus rates on travel purchases. Even if a gas card does have points-earning or allows you to redeem rewards for travel, it likely won’t be as impactful as a travel rewards card would be.
  • The debt consolidator. Someone who has an outstanding balance in a high APR account is a prime candidate for a balance transfer credit card, but unfortunately 0% intro APR offers on balance transfers aren’t commonly found with gas cards.
  • The eco-friendly driver. If you drive a hybrid or an electric vehicle, your gas bills likely aren’t high enough to rationalize a gas credit card. A general cash back card or another category-specific rewards card will provide you much more value.

How to make the most of a gas rewards card

  • Know your terms. Some cards limit your bonus spending to a specified amount each quarter, so you may want to mark your calendar to make sure you fill up at the end of each period if you haven’t hit the threshold. Plus, if your card is a rebate card, there may be certain incentives for spending in the first 30-, 60- or 90-day window. If there’s bonus savings available, planning your card around a road trip or move could be a great way to take advantage.
  • Don’t forget the additional rewards. Top gas cards give rewards in other categories, so diversifying your spending might be an essential to taking full advantage of your card. You shouldn’t spend just to spend, but knowing where your card earns a little extra can save you in the long run.
  • 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.
  • Secure your sign-up bonus. Some gas cards feature sign-up bonuses or first-year cash back incentives. Being certain to hit the spending requirement or purposefully maximizing your first-year cash back are great ways to squeeze value out of your card.
  • Map out your routes. If your card limits you to particular gas stations, plan out your stops ahead of time. GPS apps on your phone can make this easy, plus apps like GasBuddy can help you sort through locations, brands and prices as you search.

How we picked the best credit cards for gas

Research methodology: Our team of experts have sifted through 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.

Our full criteria include: Integration with loyalty programs, redemption options, redemption flexibility, sign-up bonus, other benefits, customer service, rates and fees, ease of application.

More information on gas credit cards

For more information on spending and saving with gas credit cards, continue reading content from our credit card experts:


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