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How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
On this page
- Our top picks
- Compare the best gas cards
- Gas cards vs. cash back cards
- What’s the average price of gas in the U.S.?
- Pros and cons of gas cards
- How to use a gas card
- How to choose a gas card
- FAQs
- Methodology
Updated on:
Content was accurate at the time of publication.
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Winner
Citi Custom Cash® Card
Citi Custom Cash® Card
The Citi Custom Cash® Card is our pick for best gas credit card thanks to its easy-to-earn sign-up bonus and generous cash back rate in your top spending category. We recommend using it as a dedicated gas card.
Key Takeaways
- With 5% cash back on up to $500 in gas purchases each billing period (if gas is your highest spending category), the Citi Custom Cash® Card may offer the best gas savings for most cardholders.
- There are two main types of gas cards: cards that offer a gas discount and cards that offer rewards on gas station purchases.
- If gas costs more than $3.50 per gallon for you, a rewards card may save you more than a gas discount card.
Best Credit Cards for Gas in September 2024
- Best gas credit card Citi Custom Cash® CardLearn More
- Best credit card for gas and groceries Blue Cash Preferred® Card from American Express
Rates & Fees Terms Apply
- Best small business gas credit card Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit cardLearn More
- Best credit card for gas and restaurants PNC Cash Rewards® Visa® Credit CardLearn More
- Best gas card for bad credit Bank of America® Customized Cash Rewards Secured Credit CardLearn More
- Best gas discount card BPme Rewards Visa Signature® CardLearn More
- Best hotel credit card for gas Hilton Honors American Express Surpass® Card
Rates & Fees Terms Apply
- Best travel rewards card for gas Citi Strata Premier℠ CardLearn More
- Best Costco gas credit card Costco Anywhere Visa® Card by CitiLearn More
Apply Now
Overall winner
Citi Custom Cash® Card*
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Earning rate on gas: Up to 5% cash back
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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025
Annual Fee$0
Intro Purchase APR0% intro APR for 15 months on Purchases
Regular Purchase APR19.24% - 29.24% (Variable)
Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion 660-850 Good / Excellent
- Generous cash back rate on gas purchases
- $0 annual fee
- Easy-to-earn sign-up bonus
- Intro APR offer
- Highest cash back rate capped at $500 per month
- Charges foreign transaction fees
- Low earnings on almost all other spending
If you spend a large amount on gas and are looking for a dedicated card for gas purchases, you’ll find few cards on the market more rewarding than the Citi Custom Cash® Card. You can earn a generous cash back rate in your top spending category each month (on the first $500) from a list of eligible categories, including gas.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 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 19.24% - 29.24%, 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- 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.
*The information related to the Citi Custom Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best credit card for gas and groceries
Blue Cash Preferred® Card from American Express
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Earning rate on gas: 3% cash back* at U.S. gas stations
Earn 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. Terms apply.
Annual Fee$0 intro annual fee for the first year, then $95.
Intro Purchase APR0% on purchases for 12 months
Regular Purchase APR19.24%-29.99% Variable
Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion 660-850 Good / Excellent
- Excellent earning rate on U.S. supermarkets and U.S. gas stations
- Solid welcome offer
- Useful monthly and annual credits
- Car rental insurance
- $0 intro annual fee for the first year, then $95.
- Earning rate at U.S. supermarkets limited to $6,000 per year
- Foreign transaction fee
The Blue Cash Preferred® Card from American Express earns 3% cash back* at U.S. gas stations and on public transit, while also earning one of the highest rates of cash back* around for U.S. supermarket purchases. If you’re looking for the best credit card for ground transportation and groceries, the Blue Cash Preferred® Card from American Express is the way to go.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
- 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.
- 3% Cash Back 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 or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Terms Apply.
Best small business gas card
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card*
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Earning rate on gas: Up to 3% cash back
Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases
Annual Fee$0
Intro Purchase APR0% Introductory APR on purchases for the first 9 billing cycles
Regular Purchase APR18.49% - 28.49% Variable APR
Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion 720-850 Excellent
- Earn a solid welcome bonus
- Flexibility to earn cash back in your preferred category
- $0 annual fee
- Qualifying Bank of America customers can earn up to 75% more rewards
- Highest cash back rates capped at $50,000 spend per year
- Have to manually change your bonus category if you want to update it
- Charges foreign transaction fees
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is our choice for best business gas credit card because it offers small business owners flexibility and the option to earn 3% cash back on gas. You can select one category to earn the highest cash back rate each month (up to the yearly maximum), and you can change it once a month.
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% - 28.49% Variable APR will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
*The information related to the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best credit card for gas and restaurants
PNC Cash Rewards® Visa® Credit Card*
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Earning rate on gas: Up to 4% cash back
Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time.
Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR20.24% to 30.24% Variable
Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion N/A
- Earn a solid welcome bonus
- Excellent elevated rewards categories
- $0 annual fee
- Cap on highest earning rate each year
- Foreign transaction fee
- Limited purchase or travel protections
If you’re a frequent spender at gas stations and restaurants, you should consider the PNC Cash Rewards® Visa® Credit Card. In addition to offering an excellent rewards rate on these two categories, this $0-annual-fee credit card offers cash back at grocery stores and on all other purchases.
- $250 after you make $1,000 or more in purchases during the first three billing cycles
- You’ll earn at least 1% cash back on purchases everywhere, every time. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.
- Cash back is automatic – there’s no need to enroll or track rotating categories
- 0% intro APR on balance transfers for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 20.24% to 30.24% Variable based on credit worthiness.
- No annual fee.
*The information related to the PNC Cash Rewards® Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best gas card for bad credit
Bank of America® Customized Cash Rewards Secured Credit Card*
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Review Coming Soon
Earning rate on gas: 3% cash back
Earn 3% cash back in a category of your choice each month, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.
Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR29.24% variable
Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion 300-600 Limited / Poor
- Earn cash back in the category of your choice
- Recommended credit is less than other gas cards
- Automatic account reviews for upgrade to an unsecured card
- $0 annual fee
- Requires an initial security deposit
- Highest cash back rates limited to the first $2,500 in spending each quarter
- You have to manually change your elevated earning category if you want to update it
If you’re looking for cash back rewards on gas but you’ve got less-than-ideal credit, the Bank of America® Customized Cash Rewards Secured Credit Card is one of the most rewarding gas credit cards available. Our pick for the best gas credit card for bad credit offers flexibility and regular account reviews to determine if you qualify to get your deposit back.
- Earn 3% cash back in a category of your choice each month
- Secure a credit limit up to $5,000
- Periodic account reviews to have your security deposit refunded
- Free monthly FICO® Score
*The information related to the Bank of America® Customized Cash Rewards Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best gas discount card
BPme Rewards Visa Signature® Card*
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Earning rate on gas: Up to 15¢ off per gallon
15¢ off per gallon on fuel purchases at participating BP and Amoco stations. Earn 5% cash back on non-fuel BP and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases.
Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR31.99%
Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion N/A
- Discount on gas purchases
- Gas discount doubled for first 60 days after opening account
- Earn accelerated cash back rate on groceries and dining
- $0 annual fee
- Limited elevated rewards categories
- 3% foreign transaction fee
- No rewards or discounts for non-BP fuel purchases
- Cash back redeemable in set denominations starting at $25
The BPme Rewards Visa Signature® Card offers one of the best discounts on gas: You’ll get 15 cents per gallon off all fuel purchases at BP. Plus, you can also earn cash back on groceries, dining and nonfuel BP purchases.
- Introductory offer: Earn 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening
- Use your card anywhere Visa is accepted
- No annual fee
- Visa benefits, including roadside dispatch and zero liability
*The information related to the BPme Rewards Visa Signature® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best hotel credit card for gas
Hilton Honors American Express Surpass® Card
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Earning rate on gas: 6X points at U.S. gas stations
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Annual Fee$150
Intro Purchase APRN/A
Regular Purchase APR20.99%-29.99% Variable
Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion 660-850 Good / Excellent
- Large welcome offer
- Rewards at U.S. gas stations, U.S. restaurants and U.S. supermarkets
- Complimentary Hilton Gold elite status (enrollment required)
- Can only use rewards for stays at Hilton hotels
- No free anniversary night unless you spend $15,000 in a calendar year
- $150 annual fee
The Hilton Honors American Express Surpass® Card is our pick for best hotel credit card for gas because it earns a high rate of rewards at U.S. gas stations in the form of Hilton Honors hotel points. If you’re a frequent Hilton guest who loves to drive, you’ll enjoy earning travel rewards that you can turn into free nights.
*To see rates & fees for Hilton Honors American Express Surpass® Card, please click here.
- Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
- Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $150 annual fee.
- Terms Apply.
Best travel rewards card for gas
Citi Strata Premier℠ Card*
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Earning rate on gas: 3X points
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR21.24% - 29.24% (Variable)
Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion 660-850 Good / Excellent
- Earn an outstanding welcome bonus
- Flexibility in redeeming rewards
- Impressive array of elevated rewards categories
- 0% foreign transaction fee
- Limited travel insurance or purchase protections
- No introductory 0% APR offer
- $95 annual fee
The Citi Strata Premier℠ Card is an outstanding travel rewards credit card with more high-earning categories than many other cards on the market. You can earn ThankYou® points at gas stations and for air travel, dining, supermarkets and hotel stays. You can then transfer these points to Citi’s travel partners for maximum value or redeem for cash, gift cards and more.
- Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
- Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases.
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
*The information related to the Citi Strata Premier℠ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best Costco gas credit card
Costco Anywhere Visa® Card by Citi*
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
LendingTree's Review How LendingTree Rates Credit Cards? Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Earning rate on gas: 4% cash back
Get 4% cash back on eligible gas and EV charging purchases 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.
Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR20.49% (Variable)
Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion 720-850 Excellent
- Excellent earning categories on gas, restaurants and Costco purchases
- 0% foreign transaction fee
- $0 annual fee
- Requires a Costco membership
- Highest cash back rate limited to the first $7,000 spent on gas per year
- Can only redeem rewards once per year
Buying gas at Costco does require a Costco membership (either $60 or $120 annually), but gas at Costco is often cheaper than at surrounding stations. And if you’re filling up at Costco, you’ll want the Costco Anywhere Visa® Card by Citi.
Keep in mind you must be a Costco member to get the card, and there are strict limitations on rewards redemption. Costco cash rewards can only be redeemed for merchandise or cash back at U.S. Costco warehouses, are only distributed once a year (after your February billing statement closes) and must be redeemed by the end of that year.
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases 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
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
*The information related to the Costco Anywhere Visa® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|
| Citi Custom Cash® Card* | Best gas credit card | Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. | 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025 | Good / Excellent | |
| Blue Cash Preferred® Card from American Express | Best credit card for gas and groceries | Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. | Earn 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. Terms apply. | Good / Excellent | |
| Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card* | Best small business gas credit card | Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. | Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases | Excellent | |
| PNC Cash Rewards® Visa® Credit Card* | Best credit card for gas and restaurnats | $250 after you make $1,000 or more in purchases during the first three months | Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time. | N/A | |
| Bank of America® Customized Cash Rewards Secured Credit Card* Review Coming Soon | 2.6 Best gas card for bad credit | N/A | Earn 3% cash back in a category of your choice each month, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. | Limited / Poor | Review Coming Soon |
| BPme Rewards Visa Signature® Card* | Best gas discount card | 30¢ off per gallon on BP and Amoco fuel purchases in the first 60 days after account opening. | 15¢ off per gallon on fuel purchases at participating BP and Amoco stations. Earn 5% cash back on non-fuel BP and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases. | N/A | |
| Hilton Honors American Express Surpass® Card | Best hotel credit card for gas | Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. | Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. | Good / Excellent | |
| Citi Strata Premier℠ Card* | Best travel rewards card for gas | Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com | 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental). | Good / Excellent | |
| Costco Anywhere Visa® Card by Citi* | Best Costco gas credit card | N/A | 4% cash back on eligible gas and EV charging purchases 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. | Excellent |
*The information for the Citi Custom Cash® Card, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, PNC Cash Rewards® Visa® Credit Card, Bank of America® Customized Cash Rewards Secured Credit Card, BPme Rewards Visa Signature® Card, Citi Strata Premier℠ Card and Costco Anywhere Visa® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
Gas discount cards vs. cash back cards
The price of gas may determine whether you can save more with a cash back credit card or a gas discount card. This table shows how a gas card with a flat 10-cent-per-gallon discount compares to a gas credit card with 3% cash back rewards. In this scenario, when gas prices reach $3.50 a gallon or more, the credit card will keep more money in your pocket.
Savings on 15 gallons of gas
| Gas card with a 10 cent discount | Credit card with 3% cash back | |
|---|---|---|
| $3 per gallon | $1.50 | $1.35 |
| $4 per gallon | $1.50 | $1.80 |
| $5 per gallon | $1.50 | $2.25 |
What’s the average price of gas in the U.S.?
According to LendingTree data, the average U.S. gas price has recently ranged from as low as $3.08 in January 2024 to as high as $3.61 in April 2024.
Based on these averages, a cash back* card like the Blue Cash Everyday® Card from American Express may offer more savings on U.S. gas purchases than a gas station card for many Americans — especially for summer travel when gas prices are high.
Note from the chart below that where you reside in the U.S. will have a big impact on the equation. Residents of the top 21 most expensive states for gas will likely net the most savings with a cash back credit card.
Highest average gas prices (by state)
| Rank | State | Average price per gallon | Percentage difference from average gas price in U.S. |
|---|---|---|---|
| 1 | Hawaii | $4.67 | 35.4% |
| 2 | California | $4.60 | 33.3% |
| 3 | Washington | $4.22 | 22.3% |
| 4 | Nevada | $3.95 | 14.5% |
| 5 | Oregon | $3.87 | 12.2% |
| 5 | Illinois | $3.87 | 12.2% |
| 7 | Alaska | $3.76 | 9.0% |
| 8 | District of Columbia | $3.68 | 6.7% |
| 9 | Utah | $3.65 | 5.8% |
| 10 | Idaho | $3.61 | 4.6% |
| 11 | Pennsylvania | $3.59 | 4.1% |
| 12 | New York | $3.56 | 3.2% |
| 13 | Michigan | $3.54 | 2.6% |
| 14 | Montana | $3.53 | 2.3% |
| 15 | Connecticut | $3.48 | 0.9% |
| 15 | Ohio | $3.48 | 0.9% |
| 17 | Arizona | $3.47 | 0.6% |
| 18 | Colorado | $3.46 | 0.3% |
| 19 | Indiana | $3.43 | -0.6% |
| 19 | Maryland | $3.43 | -0.6% |
| 19 | Maine | $3.43 | -0.6% |
| 22 | Massachusetts | $3.42 | -0.9% |
| 23 | Vermont | $3.40 | -1.4% |
| 23 | Wyoming | $3.40 | -1.4% |
| 25 | West Virginia | $3.39 | -1.7% |
| 25 | Florida | $3.39 | -1.7% |
| 25 | Wisconsin | $3.39 | -1.7% |
| 28 | North Dakota | $3.38 | -2.0% |
| 29 | Minnesota | $3.36 | -2.6% |
| 30 | Rhode Island | $3.35 | -2.9% |
| 30 | Delaware | $3.35 | -2.9% |
| 30 | New Hampshire | $3.35 | -2.9% |
| 33 | Virginia | $3.34 | -3.2% |
| 34 | New Mexico | $3.31 | -4.1% |
| 35 | New Jersey | $3.30 | -4.3% |
| 35 | South Dakota | $3.30 | -4.3% |
| 37 | Iowa | $3.26 | -5.5% |
| 37 | Nebraska | $3.26 | -5.5% |
| 39 | Georgia | $3.25 | -5.8% |
| 40 | North Carolina | $3.23 | -6.4% |
| 41 | Kentucky | $3.18 | -7.8% |
| 42 | Missouri | $3.17 | -8.1% |
| 43 | Kansas | $3.15 | -8.7% |
| 44 | South Carolina | $3.11 | -9.9% |
| 44 | Arkansas | $3.11 | -9.9% |
| 46 | Alabama | $3.10 | -10.1% |
| 47 | Tennessee | $3.08 | -10.7% |
| 48 | Oklahoma | $3.05 | -11.6% |
| 48 | Louisiana | $3.05 | -11.6% |
| 50 | Texas | $3.04 | -11.9% |
| 51 | Mississippi | $2.97 | -13.9% |
Source: AAA. Note: Prices as of Aug. 14, 2024.
Pros and cons of gas credit cards
- Offer elevated cash back rates on fuel purchases
- May stack with gas station rewards programs
- Some offer a sign-up bonus
- May also offer high rewards rates in other spending categories
- Some gas cards can only be used at specific stations
- May have a spending cap for the elevated rewards rate on gas
- May have a high interest rate on purchases
- Could put you in debt if you don’t pay your bill in full each month
How to get a gas card
If you’re ready to get a gas card, here are a few steps to follow:
- Decide which gas card is right for you.
- Go to the issuer’s website to find the credit card application.
- Enter your information.
- You may be approved automatically, or you may have to provide additional information before the issuer can make a decision.
How to use a credit card at the gas pump
To use a credit card at the gas pump:
- Insert your card into the card reader or tap your card against the tap-to-pay symbol until the green lights flash.
- Or, to use a digital wallet, open the app, choose the right credit card and hold your phone near the card reader.
- Follow the prompts to complete your purchase.
Warning: Gas stations are a favorite spot for “skimming” (a type of credit card fraud that involves placing a device on a credit card machine to steal your card number). To protect yourself, look for anti-tampering tape around the credit card reader — if the tape is broken, use a different pump and inform the gas station attendant.
→ Learn how to spot a credit card skimmer.
How to choose a gas credit card
-
SEE WHICH STATIONS YOU USE THE MOST
First, determine which gas stations you use most. If you’re loyal to one brand, you might want to consider a co-branded gas card. But if you use different gas stations or travel a lot, a general gas credit card may be a better fit.
-
Calculate the amount you spend on gas
Look at how many gallons your gas tank holds and how much it costs to fill up to determine whether a discount card (which typically offers a flat per-gallon discount) or a gas credit card (which typically offers a percentage of cash back) will save you more. If you have a 13-gallon tank that costs $50 to fill, a gas discount card that offers 10 cents off per gallon would save you $1.30 while a gas credit card that offers 3% cash back would put $1.50 back in your pocket at the pump.
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DETERMINE REWARD EARNING PRIORITIES
The best credit cards offer rewards, and there are many types of cards — including cards that earn cash back, airline miles, hotel points and flexible points. Decide what kind of rewards you want to earn, and remember that a card with multiple elevated earning categories will allow you to earn on all purchases, while a gas discount card may work well as a secondary card used only for gas. Your decision might also be affected by how many credit cards you want to carry.
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LOOK AT OTHER CARD BENEFITS
Many rewards credit cards also offer other perks or benefits that you might find useful. A credit card that offers travel protection or primary rental car insurance might be something that would provide real value to you.
Frequently asked questions
Yes, getting a gas credit card can help you build credit if you use it responsibly. Most credit card issuers report your account and payment history to the three major credit bureaus (Equifax, Experian and TransUnion), which can positively impact your credit — as long as you pay on time and keep your balance well below 30% of your credit limit.
The Bank of America® Customized Cash Rewards Secured Credit Card is our pick for easiest credit card to get for gas rewards, as it’s geared toward consumers with limited / poor credit. It requires you to put down a security deposit, which is one of the best ways to get a card with bad credit.
The best gas credit cards are likely to require good to excellent credit — typically considered to be a FICO Score of 670 to 850, but some may accept fair credit, as low as 600. If you have no credit or poor credit, look into credit cards for beginners or secured cards.
Methodology
We selected the best gas cards through a review of cards available on LendingTree and from top issuers. The following factors influenced our top card picks:
Cash back rates or discounts: We looked for cards likely to save you the most at the pump.
Redemption options: How easy are the rewards to redeem, and how valuable are the redemption options?
Annual fee: If the card charges an annual fee, do the rewards outweigh it?
Sign-up bonuses: Does the card offer a large sign-up bonus?
Introductory and regular APRs: Does the card offer a 0% intro APR to help finance a big purchase or pay off a transferred balance? Is its regular APR reasonable?
Useful benefits, such as cellphone protection and extended warranty protection, influenced our choices as well.
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
- Blue Cash Preferred® Card from American Express
- Hilton Honors American Express Surpass® Card
- Blue Cash Everyday® Card from American Express
The information related to the Citi Custom Cash® Card, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, PNC Cash Rewards® Visa® Credit Card, Bank of America® Customized Cash Rewards Secured Credit Card, BPme Rewards Visa Signature® Card, Citi Strata Premier℠ Card and Costco Anywhere Visa® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
Allie Johnson
Allie Johnson is an award-winning personal finance writer with more than 10 years of experience covering credit cards, mortgages, personal loans and small business. She holds a degree in magazine journalism from Ohio Universitys E.W. Scripps School of Journalism. She has written for a variety of finance publications, including CreditCards.com, LendingTree and MagnifyMoney.
