Best of
Best Gas Credit Cards of May 2020
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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.
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.
Best Gas Credit Cards From Our Partners
Our pick for
Strategic quarterly use
on Discover's website, or call (800) 347-0264
on Discover's website, or call (800) 347-0264
Annual Fee
$0
Rewards Rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score
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 introductory 0% APR period for 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.- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- View Rates and Fees
Want to compare more options? Here are our other top picks:
EDITORIAL PICKS:
BEST GAS CREDIT CARDS
Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Wells Fargo Propel American Express® card
Our pick for: Overall spending
The Wells Fargo Propel American Express® 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.
Blue Cash Preferred® Card from American Express
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 bonus 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.
Bank of America® Cash Rewards credit card
Our pick for: Smaller spenders
The Bank of America® 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.
Chase Freedom®
Our pick for: Strategic quarterly use
The Chase Freedom® offers bonus cash back in quarterly categories that you activate. In past years, those categories have included common spending areas like gas stations, grocery stores, department stores and 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 nice sign-up bonus offer and a 0% intro APR period, too. Read our review.
Discover it® Cash Back
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.
Sam's Club® Mastercard®
Our pick for: Wholesale club members
The Sam's Club® Mastercard® delivers terrific cash back on gas, restaurant dining and travel, but you earn only the base rewards rate at Sam's Club itself. So think of it less as a card to use at Sam's and more as a card that turns other spending into rewards you redeem at Sam's. 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.
PenFed Platinum Rewards Visa Signature® Card
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, please visit this page.
Last updated on April 22, 2020
