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: June 19, 2018

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

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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 or groceries.
  • 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 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

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 months

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USAA® Cashback Rewards Plus American Express® Card

USAA® Cashback Rewards Plus 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 USAA's Secure Site

At A Glance

Intro Bonus
$150
?

Earn $150 bonus after you make $500 in purchases within the first 90 days of opening your account.

Annual Fee
$0
Regular APR
13.40% - 27.40% variable

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Highlights

  • Earn $150 bonus after you make $500 in purchases within the first 90 days of opening your account.
  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
  • Earn 2% on your first $3,000 on supermarket purchases per year
  • Unlimited 1% cash back on all other purchases

Rates & Fees

Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
13.40% - 27.40% Variable
Intro Balance Transfers APR
N/A

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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
$150
?

$150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

Annual Fee
$0
Regular APR
14.49% - 24.49% variable

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Highlights

  • $150 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, 14.49% - 24.49% 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
14.49% - 24.49% 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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Susan G. Komen® Cash Rewards Visa® credit card from Bank of America

Susan G. Komen® Cash Rewards Visa® credit card 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
$150
?

$150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

Annual Fee
$0
Regular APR
14.49% - 24.49% variable

Show Less

Highlights

  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $8 million from Bank of America from this program since 2009.
  • 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 your 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, 14.49% - 24.49% 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
14.49% - 24.49% 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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USAA Rewards™ American Express® Card

USAA Rewards™ 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 USAA's Secure Site

At A Glance

Intro Bonus
2,500 points
?

Get 2,500 bonus points with your first purchase

Annual Fee
$0
Regular APR
11.40% - 27.40% variable

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Highlights

  • Earn 3X points per dollar spent on dining
  • Earn 2X points per dollar spent on gas and groceries
  • Earn 1X point for every dollar spent on all other purchases
  • Get 2,500 bonus points with your first purchase

Rates & Fees

Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
11.40% - 27.40% Variable
Intro Balance Transfers APR
N/A

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Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card
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
24.74% 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
24.74% (Variable)
Intro Balance Transfers APR
N/A

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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
17.49% - 25.49% variable

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Highlights

  • Enjoy peace of mind with $0 Fraud Liability
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Enjoy more buying power with credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • View updates to your Experian credit score with free online access, terms apply

Rates & Fees

Annual Fee
$0 - $99
Intro Purchase APR
N/A
Regular APR
17.49% - 25.49% Variable
Intro Balance Transfers APR
N/A

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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
?

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.

Annual Fee
$0
Regular APR
24.49% 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.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 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
24.49% Variable
Intro Balance Transfers APR
10.99% for 6 months

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Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi
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 Citi's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
16.99% variable

Show Less

Highlights

  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases

Rates & Fees

Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
16.99%* (Variable)
Intro Balance Transfers APR
N/A

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Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®
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
$0
Regular APR
24.74% variable

Show Less

Highlights

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • 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
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app

Rates & Fees

Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
24.74% (Variable)
Intro Balance Transfers APR
N/A

View All Card Details

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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: June 19, 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 StationsStaff ReviewAnnual Fee
Bank of America® Cash Rewards Credit Card3%3.8 / 5$0
Blue Cash Everyday® Card from American Express2%3.3 / 5$0
Capital One® Quicksilver® Cash Rewards Credit Card1.5%3.7 / 5$0
Discover it® chrome2% on Gas & Restaurants up to $1,000 every quarter2.9 / 5$0
Blue Cash Preferred® Card from American Express3%4.1 / 5$95
Wells Fargo Cash Wise Visa® Card1.5%3.5 / 5$0
Premier Rewards Gold Card from American Express3X3.3 / 5$195 waived first year
Chase Freedom Unlimited®1.5%3.4 / 5$0
Citi ThankYou® Preferred Card1X2.5 / 5$0*
IHG® Rewards Club Premier Credit Card2X4.1 / 5$89

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.

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