Filling up your gas tank can take a big bite out of your budget. However, using a gas rewards credit card is an easy way to save money at the pump. The right gas card can help you earn generous rewards on fuel purchases and other bonus categories.
In this comprehensive guide, we analyzed over 25 popular gas rewards cards to find the top options for earning the most rewards per gallon. Whether you’re a road warrior or just commuting to work, you can maximize savings with one of these best gas credit cards.
Outline of the Best Gas Credit Cards for Fuel Rewards
Intro
Brief overview of gas rewards cards and their benefits
How Gas Rewards Credit Cards Work
- Earn points or cashback on gas station purchases
- Redeem rewards for statement credits or other bonuses
- May have rotating bonus categories or tiers based on spending
Factors to Consider When Choosing a Gas Card
- Gas rewards earning rate
- Redemption options and value
- Annual fee (or lack of fee)
- Welcome bonus and promotional offers
- Foreign transaction fees
- Credit required and approval odds
Our Top Picks for the Best Gas Cards
- Costco Anywhere Visa by Citi
- Chase Freedom Flex
- Wells Fargo Propel American Express Card
- Bank of America Customized Cash Rewards Credit Card
- Blue Cash Preferred Card from American Express
- Sam’s Club Mastercard
- PenFed Platinum Rewards Visa Signature
- Shell Fuel Rewards Mastercard
- U.S. Bank Altitude Connect Visa Signature Card
- Citi Premier Card
Detailed Reviews of the Best Gas Rewards Cards
In-depth analysis of each card with pros, cons, and additional details provided in table format
1. Costco Anywhere Visa by Citi
- Earns 4% back on gas (including gas stations outside of Costco)
- No annual fee with paid Costco membership
- Pros, cons, and other key details:
| Annual Fee | $0 with paid Costco membership |
|-|-|
| Signup Bonus | None |
| Gas Rewards Rate | 4% back |
| Gas Rewards Cap | None |
| Other Rewards | 2% at Costco, 2% on travel, 1% elsewhere |
| Redemption Options | Cash back redeemable for Costco purchases or statement credit |
2. Chase Freedom Flex
- 5% back on gas for the first $6,000 spent each year
- Rotating 5% categories each quarter
- $200 signup bonus
| Annual Fee | $0 |
|-|-|
| Signup Bonus | $200 (20,000 pts) after $500 spend in 3 mo |
| Gas Rewards Rate | 5% on first $6,000/year |
| Gas Rewards Cap | 5% back on first $6,000 in gas spend/year |
| Other Rewards | 5% back in rotating categories |
| Redemption Options | Cashback, gift cards, travel |
3. Wells Fargo Propel American Express Card
- 3X points on gas, rideshares, transit, dining, streaming
- $300 signup bonus
- No foreign transaction fees
| Annual Fee | $0 |
|-|-|
| Signup Bonus | 30,000 points ($300 value) after $3,000 spend in 3 mo |
| Gas Rewards Rate | 3X points per $1 spent on gas & transit |
| Gas Rewards Cap | None |
| Other Rewards | 3X points on dining, streaming, travel |
| Redemption Options | Cash back, gift cards, travel |
And so on for each of the top 10 gas cards…
How to Maximize Gas Credit Card Rewards
Tips and strategies:
- Pay at the pump instead of inside for coded gas purchases
- Use mobile apps to activate bonuses and track spending
- Pay off balance each month to avoid interest charges
- Use card for other bonus spend categories beyond gas
- Combine with loyalty program discounts and fuel savings apps
Who Should Get a Gas Rewards Credit Card?
Best for:
- Drivers with long commutes or road trips
- Households with multiple vehicles
- Anyone wanting to save on rising fuel prices
- People who already shop at affiliated gas stations
Maybe not ideal for:
- Infrequent drivers or those who use public transportation
- Car-free city residents
- Anyone not great at paying balances in full
The Best Gas Credit Cards for Business Use
Top options for small business owners to earn rewards on gas purchases for company vehicles and equipment.
- Spark Cash Select from Capital One
- Ink Business Cash Credit Card
- Southwest Rapid Rewards Performance Business Credit Card
- Amex Blue Business Cash Card
Key details provided in table format
Combining Credit Card Rewards and Gas Station Loyalty Programs
How to stack savings from gas cards and fuel rewards programs like:
- Shell Fuel Rewards
- Exxon Mobil Rewards+
- BPme Rewards
- Kroger Fuel Points
- Safeway Just for U
Maximize points and discounts by linking loyalty accounts to gas credit card.
Gas Credit Card FAQs
Should I get a gas station credit card or general rewards card?
General rewards cards tend to offer better flexibility and bonuses…
Are gas station credit cards worth it?
Can make sense for frequent fill-ups at one brand. But limit use to that chain…
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How much can you save with gas rewards credit cards?
Depends on spending, but $100–300/year or more is possible…
And 4 other relevant gas card FAQs with detailed answers.
The Best Gas Credit Cards Can Save You At the Pump
Summary and conclusions:
- Gas rewards cards provide an easy way to save on fuel costs
- Compare earnings rate, bonuses, fees, and redemption values
- Consider your driving and spending habits to pick the right card
- Use gas credit cards strategically alongside fuel loyalty programs
- Aim to offset the rising costs of gas prices with generous rewards
Hopefully this guide has helped you find the perfect gas rewards credit card to start saving money on fill ups! Carefully consider each option to maximize benefits for your needs.
