- Our top picks for the best gas credit cards are the Blue Cash Everyday® Card from American Express and the Blue Cash Preferred® Card from American Express.
- The best gas credit cards aren’t necessarily co-branded with specific gas stations or fuel brands. Instead, these cards are issued by major institutions like Chase, Citi, and American Express, and they offer rewards for each dollar you spend — and not just on gas station purchases.
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On This Page
- Key takeaways
- Our top picks for the best gas credit cards
- Comparing the best gas credit cards
- Best gas credit cards of 2024: Editorial reviews
- What are gas credit cards?
- Types of gas credit cards
- How much can you save with a gas card?
- Pros and cons of gas credit cards
- Choosing the best gas credit card for you
- How we selected the best gas rewards cards
- Best gas credit cards FAQ
- Recommended articles
On This Page
- Key takeaways
- Our top picks for the best gas credit cards
- Comparing the best gas credit cards
- Best gas credit cards of 2024: Editorial reviews
- What are gas credit cards?
- Types of gas credit cards
- How much can you save with a gas card?
- Pros and cons of gas credit cards
- Choosing the best gas credit card for you
- How we selected the best gas rewards cards
- Best gas credit cards FAQ
- Recommended articles
Best Gas Credit Cards of May 2024
Holly D. Johnson - Finance Expert
+ 1 other
Reviewed By
Blake Esken - Los Angeles Times
If you are eager to earn rewards with a gas card, you should know that the best options in this niche also offer generous sign-up bonuses and valuable cardholder benefits. As you compare all your options, read on to learn about the top cards that made our ranking and all they have to offer.
Our top picks for the best gas credit cards
- Blue Cash Everyday® Card from American Express: Best Overall for Gas
- Blue Cash Preferred® Card from American Express: Best for Groceries
- Ink Business Cash® Credit Card: Best for Businesses
- Chase Freedom Unlimited®: Best for Flexible Rewards
- Hilton Honors American Express Card: Best for Road Trips
- Aspire® Mastercard® Cash Back Reward Credit Card: Best for Bad Credit
- Capital One Walmart Rewards® Mastercard®: Best for Walmart
Our top picks for the best gas credit cards
Advertiser Disclosure
Best Overall for Gas
Blue Cash Everyday® Card from American Express
Up to 3% Reward Rate
Earn 3% cash back on up to $6,000/year spent at U.S. supermarkets (then 1%), 3% back on up to $6,000/year at U.S. gas stations (then 1%), 3% back on up to $6,000/year on online retail purchases (then 1%), and 1% back on all other eligible purchases.
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Annual Fee
$0
Welcome Offer
$200
Regular APR
19.24% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
If you’re looking for a credit card that lets you earn cash back at the gas pump, the Blue Cash Everyday® Card from American Express should be on your list. This card offers 3% back on up to $6,000 spent at U.S. gas stations every year (then 1%), along with generous rewards at U.S. supermarkets and online retailers.
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Card Details
More Card Info
- 0% intro APR on purchases and balance transfers for 15 months after account opening, then 19.24% to 29.99% variable APR.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
Pros
- No annual fee
- 0% APR on eligible purchases for 15 months
- Generous rewards at U.S. supermarkets, U.S. gas stations & online shopping
Cons
- Rewards cap on spending at U.S. supermarkets, U.S. gas stations, and online retail purchases
- 2.7% foreign transaction fee
- Low rewards rate outside of bonus categories
Bottom Line
For a no-annual-fee option, the reward rate on this card is pretty solid, but for heavy spenders, other cards may offer more value.
Best for Groceries
Blue Cash Preferred® Card from American Express
Up to 6% Reward Rate
Earn 6% back on up to $6,000 spent at U.S. supermarkets each year (then 1% back), 6% back on select U.S. streaming services, 3% back at U.S. gas stations and on transit, and 1% back on other purchases.
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Annual Fee
$0 the first year, then $95
Welcome Offer
$250
Regular APR
19.24% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Blue Cash Preferred® Card from American Express is an excellent card for gas considering you earn 3% back on purchases made at U.S. gas stations. It also earns 6% in dollar-for-dollar rewards on up to $6,000 spent at U.S. supermarkets each year (then 1% back).
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Card Details
More Card Info
- 0% Intro APR for purchases and balance transfers during the first 12 months (then 19.24% to 29.99% variable)
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
Pros
- Excellent rewards on spending at U.S. supermarkets, U.S. gas stations, transit and more
- 0% APR on purchases for a limited time
- Don’t need to activate categories
Cons
- Rewards can only be redeemed for a statement credit or at Amazon.com
- Charges foreign transaction fees
- Has an annual fee
Bottom Line
Although this card has an annual fee, most families will be able to easily get enough value out of the everyday categories to make it worth it.
Best for Businesses
Ink Business Cash® Credit Card
Up to 5% Reward Rate
Earn 5% cash back in select business categories (on up to $25,000 per year) and earn 2% cash back at gas stations and restaurants (on up to $25,000 per year). Earn 1% cash back on all other purchases.
Annual Fee
$0
Welcome Offer
Up to $750
Regular APR
18.49% to 24.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Ink Business Cash card is a fantastic business card choice, offering 2% back on gas purchases, along with other rewards and valuable perks. This card also has no annual fee, so you can maximize your rewards without having to worry about making up for a yearly cost. On top of that, cardholders can enjoy an intro APR offer, free employee cards, purchase protection, and up to 5% back in useful business categories. If you can take advantage of the cash-back categories of this card, it could be a great option to earn rewards on your business purchases.
Best for Flexible Rewards
Chase Freedom Unlimited®
Up to 6.5% Reward Rate
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% cash back on all other purchases.
Annual Fee
$0
Welcome Offer
Up to $300 cash back
Regular APR
20.49%-29.24% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Chase Freedom Unlimited® card is a great option for those looking for flexibility in their rewards. Although gas isn’t one of its categories, right now you can earn 3% back on all purchases for the first year of card ownership, gas included. (Note: this offer is available when you apply through our site, it may not be available through Chase or another website).
Although this card earns cash back, it goes beyond that. The rewards you earn are part of the Chase Ultimate Rewards® program, meaning they’re extra flexible to redeem. It also boasts a variety of additional perks like purchase protection and travel insurance. In the saturated world of rewards credit cards, the Chase Freedom Unlimited® still manages to stand out, making it one of our favorite options out there.
Best for Road Trips
Hilton Honors American Express Card
Up to 7X Reward Rate
Earn 7X Hilton Honors Bonus Points per dollar spent on eligible Hilton purchases, 5X points per dollar on eligible U.S. restaurant, U.S. supermarket, and U.S. gas station purchases, and 3X on all other purchases.
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Annual Fee
$0
Welcome Offer
80,000 Points
Regular APR
20.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
It might be weird to see a hotel card on this list, but if you like to take road trips, why not have a card that can give you rewards on your Hilton hotel stays and purchases at U.S. gas stations?
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Card Details
More Card Info
- Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
- No Foreign Transaction Fees.
- Terms Apply.
Pros
- No annual fee
- Automatic Hilton Silver status
- 20% bonus points on eligible stays
Cons
- Low point redemption value
- Need good or excellent credit to qualify
- Fewer perks than some travel cards
Bottom Line
If you’re opposed to paying an annual fee for a hotel card, this one offers decent rewards for no yearly charge. It’s pretty lackluster on other benefits, though.
Best for Bad Credit
Aspire® Mastercard® Cash Back Reward Credit Card
Up to 3% Reward Rate
Earn 1% back on all purchases and 3% back on gas, groceries, and bill payments.
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Annual Fee
$49-$175 the first year, then $0-$49
Welcome Offer
N/A
Regular APR
22.74% to 36%, based on your creditworthiness
Recommended Credit
Bad/Poor (300 - 580)
Why we like it
Your cashback card options tend to be limited when your credit isn’t very good. With the Aspire Mastercard, you can earn 3% back on your gas station purchases and 1-3% back on everything else. That’s a rate that even holds up against some of the best credit cards.
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Card Details
More Card Info
- No security deposit required
- Up to $1,000 credit limit (subject to credit approval)
- Can pre-qualify without affecting your credit score
- Good anywhere Mastercard® is accepted
- Zero fraud liability
- Free credit score access through VantageScore
Pros
- Cash back rewards
- Free VantageScore
- Zero fraud liability & transaction alerts
Cons
- Various fees
- High APR
- May have a low credit limit
Best for Walmart
Capital One Walmart Rewards® Mastercard®
Up to 5% Reward Rate
Earn 5% back on Walmart.com & in the Walmart app, including grocery pickup and delivery, 2% back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA gas stations, and 1% back everywhere else Mastercard® is accepted.
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Annual Fee
$0
Welcome Offer
5% cash back the first 12 months
Regular APR
19.48% or 29.99% variable
Recommended Credit
Fair/Good (580 - 740)
Why we like it
If you’re a Walmart enthusiast, the Capital One Walmart Rewards® Mastercard® can give you 5% back on your online Walmart purchases and 2% back at Walmart gas stations, all for no annual fee.
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Card Details
More Card Info
- Add your Walmart Mastercard to Walmart Pay immediately after approval for instant use.
- Earn 5% cash back on purchases made in Walmart stores for the first 12 months of account opening when you use your Capital One Walmart Rewards Card with Walmart Pay
- Earn 5% cash back on purchases made at Walmart.com and the Walmart app, including grocery pickup and delivery
- Earn 2% cash back on restaurants and travel purchases, and at Walmart stores
- Earn 1% cash back everywhere else Mastercard is accepted
- $0 fraud liability for unauthorized charges
Pros
- No annual fee
- High rewards rate at Walmart.com
- Instant use through the Walmart app
Cons
- Subpar rewards outside of online Walmart purchases
- Few additional perks
- No intro APR offer
Bottom Line
For die-hard Walmart fans who are willing to do most of their shopping online, this card could be very valuable.
Comparing the best gas credit cards
Card name
Best for
Reward rate
Annual fee
Learn more
Best Overall for Gas
1%-3% cash back
$0
Best for Groceries
1%-6% cash back
$0 the first year, then $95
Best for Businesses
1%-5% cash back
$0
Best for Flexible Rewards
1.5%-6.5% cash back
$0
Best for Road Trips
3X-7X points
$0
Best for Bad Credit
1%-3% cash back
$49-$175 the first year, then $0-$49
Best for Walmart
1%-5% cash back
$0
Advertiser Disclosure
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What are gas credit cards?
Gas rewards credit cards work like other credit cards but they let you earn cash back or points on your gas purchases. Some give you a discount at the pump (these are typically branded with the specific station) while others give you points or cash-back rewards on your total purchase.
Types of gas credit cards
General cards with gas rewards
Some rewards cards have gas station purchases as a category to earn cash back or points on, but they also tend to earn rewards in other categories like groceries or dining. Most of the cards on this list fall into this category.
Co-branded gas cards
Co-branded gas cards, or gas loyalty cards, are affiliated with specific gas brands, and they may offer per-gallon discounts on gas as well as in-store perks. Note that these cards are typically store-branded, so you can’t use them for regular spending and bills.
How much can you save with a gas card?
Let’s consider the Blue Cash Everyday card, which offers 3% back on up to $6,000 spent at gas stations each year (then 1%).
- If you spend $50 a week on gas, you’ll earn $1.50 back per week, totaling $78 in cash back over the year.
- If you spend $80 a week on gas, you’ll earn $2.40 back per week, totaling almost $125 back over the year.
Pros and cons of gas credit cards
Pros of gas credit cards
- Rewards and discounts when making gas purchases.
- Fraud protection benefits.
- Sign-up bonuses are common.
- Low or no annual fees on most gas cards.
Cons of gas credit cards
- Limited earning ability and flexibility on co-branded gas loyalty cards.
- Many general gas reward cards have earning caps.
- Rewards often don’t extend to EV charging purposes.
Choosing the best gas credit card for you
As you compare gas cards, you’ll want to look at all the factors that matter the most to you. The following tips can help you pick the best credit card for your needs:
1
Consider your approval odds.
The best credit cards for gas typically require good, very good, or excellent credit to qualify. If you have bad credit, you should strive to improve your score before you apply.
2
Look for rewards that align with your spending.
Consider gas cards that offer generous gas rewards as well as bonus points in other categories you spend a lot in.
3
Consider cards with a sign-up bonus.
Also look for credit cards that reward you with a sign-up bonus within the first few months. However, you should also make sure you can meet the minimum spending requirement to qualify.
4
Look at how you can redeem your rewards.
Find out if you can redeem your rewards for a statement credit only, or if you can redeem for other options like gift cards, travel, merchandise, and more.
5
Look beyond the intro APR.
If your card offers an intro APR, make sure you are happy with the regular APR as well. After all, balances you carry after the promotional period will be charged interest at this rate.
How we selected the best gas rewards cards
The best gas rewards cards that made our ranking offer exceptional bonus rewards on gas as well as other types of spending. We looked for cards with the highest rewards rate on gas purchases specifically, but we also compared hundreds of cards to look for bonus category rewards, intro APR offers, and other cardholder perks.
Featured partner offers
Advertiser DisclosureBlue Cash Everyday® Card from American Express
LEARN MORE
Rates & Fees / Terms Apply
on Bankrate's secure site
Key Information
Earn 3% cash back on up to $6,000/year spent at U.S. supermarkets (then 1%), 3% back on up to $6,000/year at U.S. gas stations (then 1%), 3% back on up to $6,000/year on online retail purchases (then 1%), and 1% back on all other eligible purchases. No annual fee.
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Blue Cash Preferred® Card from American Express
LEARN MORE
Rates & Fees / Terms Apply
on Bankrate's secure site
Key Information
Earn 6% back on up to $6,000 spent at U.S. supermarkets each year (then 1% back), 6% back on select U.S. streaming services, 3% back at U.S. gas stations and on transit, and 1% back on other purchases. $0 intro annual fee for the first year, then $95 per year.
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Ink Business Cash® Credit Card
LEARN MORE
on Bankrate's secure site
Key Information
Earn 5% cash back in select business categories (on up to $25,000 per year) and earn 2% cash back at gas stations and restaurants (on up to $25,000 per year). Earn 1% cash back on all other purchases. $0 annual fee
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Best gas credit cards FAQ
Which gas credit card has the best rewards?
We think the Blue Cash Everyday® Card from American Express and the Blue Cash Preferred® Card from American Express offer some of the best rewards on gas purchases.
Can I get a gas credit card with bad credit?
The best gas credit cards typically require good or excellent credit, but some cards for bad credit scores, like the Aspire® Cashback Reward Card, offer cash back on gas purchases.
Will a gas credit card give me a discount on fuel?
Store-branded gas cards frequently offer discounts or bonus rewards on fuel purchases. Make sure to compare different cards’ earning rates as well as any in-store discounts they offer.
Are gas cards easy to get?
Gas cards typically require good credit, but store-branded gas rewards cards are easier to qualify for. Our advice? Check your credit score to see where you stand before you apply.
Does a gas credit card help build credit?
All gas credit cards help you build credit, even store-branded credit cards. This is due to the fact that they report your balances and payments to the three credit bureaus — Experian, Equifax, and TransUnion.
What are fleet gas cards?
Fleet fuel cards are meant for businesses that spend a lot of money on a lot of gas. These cards are often store-branded, meaning you can only use them within a brand of gas stations nationwide. Some fleet fuel cards are for gas only, but others let users charge on other items as well.
Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.
The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.
Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.
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* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.
All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.