BEST OF

Best Gas Credit Cards of August 2022

Aug 11, 2022

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Gas isn’t a huge part of the typical household budget. So for most people, the trick to choosing a great gas credit card is picking one that rewards you well not just on gas station purchases, but also for other spending. Still, especially for heavy drivers, getting outsized rewards on gas can be key. Aim to earn at least 3% back on every dollar spent at the pump.

Gas-station-branded cards might be tempting, but you’re likely to get more value overall with a general rewards credit card — and you won’t be tied to a single brand of service station.

NerdWallet's Best Gas Credit Cards of August 2022

Best Gas Credit Cards From Our Partners

Our pick for

Up to 5% cash back

Apply now

on Citibank's application

Citi Custom Cash℠ Card

4.7

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

The $0-annual-fee Citi Custom Cash℠ Card automatically pays 5% in your highest-spending eligible category each month. The categories include gas stations.

Pros

  • You earn 5% cash back on up to $500 spent per month in your top eligible category, and 1% on other spending. You don't have to select or "activate" your category; it's automatic, so you'll always earn 5% in the category where it makes you the most money. This card also offers newcomers a terrific bonus offer and a nice 0% intro APR period.

Cons

  • Note the $500 monthly spending cap for the 5% rewards rate, which means the most you can earn per month in bonus rewards is $25. Also note the low rewards rate outside of your lone bonus category for the month.

Read full review
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.

  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

  • No Annual Fee

  • Citi will only issue one Citi Custom Cash℠ Card account per person.

Our pick for

Families — no annual fee

Apply now

on American Express' website

Blue Cash Everyday® Card from American Express

4.9

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$0

Rewards rate

1%-3%

Cashback

Intro offer

$200

Recommended Credit Score

Refreshed with new benefits, including higher rewards in some of the most popular spending categories, the Blue Cash Everyday® Card from American Express is a strong contender for fee-averse families.

Pros

  • The card earns 3% cash back on up to $6,000 spent per year in each of three categories: U.S. gas stations, U.S. supermarkets and U.S. online retail purchases. Other spending earns 1% cash back. There's a great 0% intro APR period and a strong welcome offer, among other benefits. And the annual fee is an unbeatable $0. Terms apply.

Cons

  • Although $6,000 is a lot to spend on gas in a year, people who really rack up the miles might bump up against the cap on bonus rewards. Note that this card's annual-fee cousin, the Blue Cash Preferred® Card from American Express, has no such limit.

Read full review
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

  • No Annual Fee.

  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 16.24% to 27.24% variable APR.

  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

  • New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

  • Get $7 back each month after using your Blue Cash Everyday® Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.

  • Terms Apply.

  • View Rates & Fees

Our pick for

3X rewards on gas and much more

Apply now

on Wells Fargo's website

Wells Fargo Autograph℠ Card

4.5

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Rewards rate

1x-3x

Points

Intro offer

30,000

Points

Recommended Credit Score

The Wells Fargo Autograph℠ Card offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards on gas and in a host of other common spending categories.

Pros

  • The card earns unlimited 3 points per dollar spent at gas stations, as well as on travel, dining, transit, popular streaming services and phone plans. Other spending earns 1 point per dollar. The bonus offer is outstanding for a $0-annual-fee card, and you even get a introductory APR period.

Cons

  • The rewards rate on gas isn't the highest available, but the other bonus categories could more than make up for it for many users.

Read full review
  • Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value

  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases

  • $0 annual fee

  • 0% intro APR for 12 months from account opening on purchases. 17.24%, 22.24%, or 27.24% variable APR thereafter

  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.

  • Select "Apply Now" to learn more about the product features, terms and conditions.

  • View Rates & Fees

Our pick for

Families

Apply now

on American Express' website

Blue Cash Preferred® Card from American Express

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$95

Rewards rate

1%-6%

Cashback

Intro offer

$350

Recommended Credit Score

The rewards structure of the Blue Cash Preferred® Card from American Express is unusually generous to people who spend a lot on gas, transit and groceries, such as those with families and long commutes. No cap on gas rewards means that even if you’re a salesperson with a multistate territory, you'll be able to fill your tank all year long without getting bumped to a lower rewards rate.

Pros

  • Earning 3% back on U.S. gas station purchases year-round is excellent when there are other lucrative bonus categories, too. Large households especially will appreciate what the Blue Cash Preferred® Card from American Express can earn on other expenses: 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% cash back on all other purchases. Terms apply.

Cons

  • Make sure what you'll earn in rewards will outstrip the card's $95 annual fee — grocery shopping can likely get you there faster than gas guzzling.

Read full review
  • Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

  • Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 16.24% to 26.24%.

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

  • 6% Cash Back on select U.S. streaming subscriptions.

  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

  • 1% Cash Back on other purchases.

  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

  • $95 Annual Fee.

  • Terms Apply.

  • View Rates & Fees

Our pick for

Strategic quarterly use

Apply now

on Discover's website, or call 800-347-0264

Discover it® Cash Back

4.9

NerdWallet rating 
Apply now

on Discover's website, or call 800-347-0264

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

The Discover it® Cash Back pays 5% cash back in rotating categories that you activate, on up to $1,500 per quarter in spending, and 1% cash back on other purchases. Every year going back to at least 2014, gas stations have been among the 5% categories — including from April through June 2022.

Pros

  • Bonus categories in recent years have included not just gas stations but also grocery stores, restaurants and Amazon.com (among other merchants), making this a card worth carrying year-round. You also get Discover's signature cash-back match bonus and an annual fee of $0.

Cons

  • The rewards rate is low outside the bonus categories. You have to keep track of the categories and activate them each quarter, which some consider a hassle. Bonus earnings are capped.

Read full review
  • 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. You could turn $150 cash back into $300.

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.

  • Every $1 you earn in cash back is $1 you can redeem.

  • NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% to 24.49% Standard Variable Purchase APR applies, based on credit worthiness.

  • No annual fee.

  • Click "Apply Now" to see terms and conditions.

  • View Rates & Fees
Apply now

on Chase's website

Chase Freedom Flex℠

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

Chase has traditionally offered gas purchases as a bonus category at least one quarter a year (and two quarters in some years). Earning 5% back at the pump with an annual fee of $0 is hard to beat. Still, this card does require some maintenance.

Pros

  • You earn 5% back on rotating bonus categories that you activate, on up to $1,500 in spending per quarter. Gas is usually among the 5% categories one or two quarters per year. This card also earns 5% cash back on travel booked through Chase, 3% back at restaurants and drugstores, and 1% on everything else. There's a terrific offer for new cardholders, too.

Cons

  • The card is great for bonus-category spending but earns a low 1% back outside those categories. You have to keep track of the 5% categories and activate them each quarter, which some consider a hassle.

Read full review
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.

  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card

  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified

Our pick for

Travelers

Apply now

on US Bank's website

U.S. Bank Altitude® Connect Visa Signature® Card

4.6

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0 intro for the first year, then $95

Rewards rate

1x-5x

Points

Intro offer

50,000

Points

Recommended Credit Score

The U.S. Bank Altitude® Connect Visa Signature® Card offers excellent rewards on gas, but also on general travel expenses. And the card's perks — including statement credit for TSA Precheck or Global Entry application fees — can help offset its annual fee.

Pros

  • You'll earn quadruple points on both gas and travel expenses, one of the richest rates on the market in those categories. In addition, there's a generous sign-up bonus, especially given the fact that the annual fee is waived in the first year. There's also a TSA Precheck or Global Entry credit and an annual streaming credit that can make up for that fee.

Cons

  • The card's other bonus rewards (on dining, streaming services and at grocery stores) are decent, but not extraordinary. And if you happen to also have the higher-tier version of this card — the U.S. Bank Altitude™ Reserve Visa Infinite® Card — you won't be able to pool points and redeem them at that card's higher rate for eligible travel via U.S. Bank. (Some other travel cards allow such pooling.)

Read full review
  • Intro Offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.

  • 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.

  • 4X points on travel, gas stations, and EV charging stations.

  • 2X points on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!

  • 2X points at grocery stores, grocery delivery, and dining.

  • Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years.

  • 1X point on all other eligible purchases.

  • Points never expire.

  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

  • Terms and conditions apply.

  • View Rates & Fees

Our pick for

Smaller spenders

Apply now

on Bank of America's website, or call 877-754-6706

Bank of America® Customized Cash Rewards credit card

4.0

NerdWallet rating 
Apply now

on Bank of America's website, or call 877-754-6706

Annual fee

$0

Rewards rate

1%-3%

Cashback

Intro offer

$200

Recommended Credit Score

The Bank of America® Customized Cash Rewards credit card is already a good card for certain purchases, but if you’re a Bank of America® customer and can qualify for Preferred Rewards, this card becomes exceptional for use at the pump. But mind the quarterly spending cap.

Pros

  • You earn 3% cash back on your chosen spending category, which can be gas, and 2% at grocery stores and wholesale clubs for the first $2,500 in combined spending each quarter. Earn 1% cash back on other purchases. (Other 3% choices: online shopping, dining, travel, drugstores or home improvement and furniture stores. You can update your choice category once each calendar month.) If you're a Preferred Rewards member, you can get bonuses of 25% to 75% of the rewards you earn.

Cons

  • The spending cap on the 3% and 2% rewards can be complicated to manage and might be too low for larger households. Earning more than 3% back on purchases requires a high loyalty to Bank of America®.

Read full review
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.

  • No annual fee and no expiration on rewards.

  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.

  • Contactless Cards - The security of a chip card, with the convenience of a tap.

  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Our pick for

Credit union fans

Apply now

on Pentagon Federal Credit Union's website

PenFed Platinum Rewards Visa Signature® Card

4.9

NerdWallet rating 
Apply now

on Pentagon Federal Credit Union's website

Annual fee

$0

Rewards rate

1x-5x

Points

Intro offer

15,000

Points

Recommended Credit Score

For some, the PenFed Platinum Rewards Visa Signature® Card won’t be an easy card to apply for, and redeeming points might be a hassle. But if you need a sky-high return on your gas spending, it may be the card for you.

Pros

  • If you’re willing to endure a little hassle in joining this credit union and using its points, it’s hard to beat the return in points on the PenFed Platinum Rewards Visa Signature® Card, which has an annual fee of $0. Each $1 spent on gas earns the equivalent of 4.25 cents when redeemed for gift cards, which is a superb return. It also helps at the supermarket. The card is also our only choice that isn’t issued by a megabank, if that appeals to you.

Cons

  • To apply, you need to become a member of Pentagon Federal Credit Union, an organization that caters to military and government employees. Everyone is eligible to join. There is no cash-back option; just merchandise, gift cards and travel. Also, points aren’t worth the traditional penny per point. You'll typically get a value of 0.85 cents each, although they can be worth more than a penny when used for travel. Finally, gas rewards are for pay-at-the-pump purchases only, so snacks, wiper fluid and car washes bought at the service station checkout counter won’t count for bonus rewards.

Read full review
  • Get Rewarded on Everyday Purchases.

  • 5x Points on gas paid at the pump and EV charging stations.

  • 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services.

  • 1x Points on all other purchases.

  • 15,000 Bonus Points when you spend $1,500 in first 90 days.

  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

  • Annual Fee: $0

  • Purchase Variable APR: 16.49% to 17.99%

  • Refer to PenFed.org for Terms/Conditions

FULL LIST OF EDITORIAL PICKS: NERDWALLET'S BEST GAS CREDIT CARDS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.

Our pick for: Families

If your household spends a lot on groceries, gas, transit and streaming services, the Blue Cash Preferred® Card from American Express is for you. The rewards it pays in those categories — particularly at U.S. supermarkets and on select streaming services — are among the richest of any card. There's a nice welcome offer for new cardholders and an introductory 0% APR period, too. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. Read our review.

Our pick for: Families — no annual fee 

The Blue Cash Everyday® Card from American Express pays elevated rewards at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases. The rewards might not be as rich as on the Blue Cash Preferred® Card from American Express, but this card doesn't charge an annual fee either. New cardholders get a decent welcome offer and an introductory 0% APR period. Read our review.

Our pick for: Travelers

The U.S. Bank Altitude® Connect Visa Signature® Card is one of the most generous cards on the market if you're taking to the skies or the road, thanks to the quadruple points it earns on travel and purchases at gas stations and EV charging stations. It's also a solid card for everyday expenses like groceries, dining and streaming, and it comes with ongoing credits that can offset its annual fee: $0 intro for the first year, then $95Read our review.

Our pick for: Up to 5% cash back 

The Citi Custom Cash℠ Card offers a lot of value for a $0 annual fee: 5% back automatically in your eligible top spending category on up to $500 spent per billing cycle (1% back elsewhere). The list of eligible 5% categories is varied and includes biggies like restaurants, grocery stores and more. And unlike competitors, there's no activation schedule or bonus calendar to keep track of. Read our review.

Our pick for: 3X rewards on gas and much more

The Wells Fargo Autograph℠ Card offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. Read our review.

Our pick for: Smaller spenders

The Bank of America® Customized Cash Rewards credit card gives you a little more control over your credit card rewards by letting you choose which category earns the highest cash-back rate, from a list that includes gas stations, restaurants, travel and others. You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer. Read our review.

Our pick for: Strategic quarterly use

The Chase Freedom Flex℠ offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. There's a fantastic bonus offer for new cardholders and a 0% intro APR period, too. Read our review.

Our pick for: Strategic quarterly use

The Discover it® Cash Back earns bonus cash back in quarterly categories that you activate. In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon.com. Category activation can be a hassle, but if your spending aligns with those categories (and for most households, it probably will), you can rake in serious rewards. You also get the issuer's signature "cash-back match" bonus in your first year. Read our review.

Our pick for: Wholesale club members

The Sam's Club® Mastercard® delivers terrific cash back on gas, EV charging and restaurants, and extra rewards on Sam's Club purchases if you're a "Plus" member. There's no annual fee for the card, but you have to be a Sam's Club member, and that does involve a fee. Read our review.

Our pick for: Credit union fans

For some, the PenFed Platinum Rewards Visa Signature® Card won’t be an easy card to apply for, and redeeming points might be a hassle. But if you need a sky-high return on your gas spending, it may be the card for you. Read our review.

To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page.

Last updated on August 11, 2022

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.