Just Got a Deal on a Car? Save on Fuel With These Credit Cards

Use the right credit cards for gas to drive home even more savings long after the new-car thrill subsides. Here are some of our favorites.

Gregory KarpAugust 28, 2020

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Driving home a new car — or new-to-you car — can be exciting, especially when you feel you've scored a good deal on the purchase price. To drive home even more savings long after the new-car thrill subsides, use the right credit cards to buy gasoline.

Here are rewards credit cards that can be ideal for purchases at the pump.

Wells Fargo Propel American Express® card

With the Wells Fargo Propel American Express® card, gasoline is one of its 3-points-per-dollar bonus categories, along with dining, travel and eligible streaming services. Non-bonus-category spending earns 1 point per dollar. Its annual fee is $0. It also has a welcome offer, which the issuer phrases this way: "Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value."

Good option for: Those who want a travel and entertainment card with an annual fee of $0.

Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred Credit Card
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The Blue Cash Preferred® Card from American Express not only offers 3% cash back at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses), it also offers a huge 6% back on purchases at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Additionally, it offers 6% back on select U.S. streaming subscriptions. Terms apply. It has an annual fee of $0 intro for the first year, then $95. Welcome bonus: Limited Time Offer: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Offer Expires 12/10/2020. Terms Apply.

Good option for: Larger households that spend heavily at supermarkets.

Bank of America® Cash Rewards credit card

The Bank of America® Cash Rewards credit card offers 3% cash back on a category of your choice -- of which one is gas -- and 2% back at grocery stores and wholesale clubs (up to $2,500 in combined quarterly spending). It also offers 1% cash back on all other purchases. If you're a Bank of America® banking customer, you'll have the opportunity to earn more through the bank’s Preferred Rewards program. It charges an annual fee of $0. Sign-up bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Good option for: Bank of America® banking customers.

Sam's Club® Mastercard®

Synchrony Bank Sams Club Mastercard Credit Card
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Earn 5% cash back at eligible gas stations worldwide, including gas stations at Sam’s Club (on up to $6,000 spent per year, then 1%), 3% cash back on dining and travel, 1% cash back on all other purchases. The annual fee is $0, but you must be a Sam’s Club member. The membership fee starts at $45 a year. Sign-up bonus: Get $45 as a statement credit when you open a new account and spend $45 online in the same day. A major drawback: You can redeem rewards only once a year, in person at a Sam's Club store. If you’re already a Costco member, the Costco Anywhere Visa® Card by Citi is also a fine choice. Among other rewards, it offers 4% cash back on eligible gas for the first $7,000 per year, then 1% thereafter.

Good option for: Sam’s Club members who can wait for their rewards.

Another option

Rotating category cards can be lucrative options for part of the year when gasoline is a bonus category. One example is the Chase Freedom®. It earns 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (1% back on everything else). Bonus categories in the past have included gas stations, as well as department stores, wholesale clubs, grocery stores and more. (Current bonus categories are here.) Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Good option for: Cardholders who will use category cards strategically, usually in conjunction with another rewards card.

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