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Best Gas Credit Cards for April 2023

Review Updated
Lindsay VanSomeren
By: Lindsay VanSomeren

Our Credit Cards Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Gas credit cards are a convenient way to earn cash back on your purchases made at gas stations. They come in two forms: co-branded credit cards that are specific to a particular gas station chain, or general credit cards from banks and credit unions that offer higher cash back rates on gas station purchases.

The best gas credit cards have three things in common: they can be used at gas stations you frequent, they offer a high percentage of cash back on gas purchases, and they charge few fees. Curious to learn more? We'll do a quick drive-by of the best credit cards for gas below.

Best gas credit cards

Ratings Methodology
Wells Fargo Autograph℠ Card
Apply Now for Wells Fargo Autograph℠ Card

On Wells Fargo's Secure Website.

Award Icon 2023 Award Winner

Wells Fargo Autograph℠ Card

Great for: Unlimited 3X points on gas

Apply Now for Wells Fargo Autograph℠ Card

On Wells Fargo's Secure Website.

Wells Fargo Autograph℠ Card
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Wells Fargo Autograph℠ Card

On Wells Fargo's Secure Website.

Intro APR Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases. 19.74%, 24.74%, or 29.74% variable APR thereafter.

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: N/A

Regular APR

19.74%, 24.74%, or 29.74% variable APR

Rewards Circle with letter I in it. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

1X - 3X points

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

  • This card immediately moves to the top of our rankings for no annual fee rewards cards thanks to its excellent welcome bonus, earn unlimited 3x points on a variety of categories, and cell phone protection. Read Full Review

    • Strong welcome bonus for a no-annual-fee card
    • Earn Unlimited 3x points on useful categories
    • Cell phone protection
    • Other cards offer larger bonuses, though they usually come with annual fees
    • The 1x points baseline rewards rate on other purchases, though normal for this type of card, can be beat
    • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 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. 19.74%, 24.74%, or 29.74% 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.
Rates & Fees External Link Icon
Award Icon 2023 Award Winner

Blue Cash Preferred® Card from American Express

Great for: Gas and welcome offer

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Blue Cash Preferred® Card from American Express
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

18.74%-29.74% Variable

Rewards Circle with letter I in it. 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.

1% - 6% cash back

Annual Fee

$0 intro annual fee for the first year, then $95.

Welcome Offer Circle with letter I in it. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

$250

  • The U.S. supermarkets and U.S. gas stations rewards are clear standouts, in addition to a big welcome offer and a nice 0% intro APR offer. Read Full Review

    • Big welcome offer
    • U.S. supermarkets rewards
    • U.S. gas stations rewards
    • Streaming subscription rewards
    • Annual fee
    • Foreign transaction fee
    • Earn a $250 statement credit after you spend $3,000 in 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% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%
    • 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.
    • Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
    • Terms Apply.
Rates & Fees External Link Icon

Discover it® chrome

Great for: No annual fee

Apply Now for Discover it® chrome

On Discover's Secure Website.

Discover it® chrome
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Discover it® chrome

On Discover's Secure Website.

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

16.74% - 27.74% Variable APR

Rewards Circle with letter I in it. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically

1% - 2% Cashback

Annual Fee

$0

Welcome Offer Circle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match

  • The typical (impressive) slate of Discover perks are included with this card that's a good fit for cardholders wanting gas and restaurant rewards Read Full Review

    • Sign-up bonus offer
    • Gas and restaurants rewards
    • No annual fee
    • Great intro APR offer
    • Mediocre bonus category cash back rate
    • 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. Just a dollar-for-dollar match.
    • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
    • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
    • Every $1 you earn in cash back is $1 you can redeem.
    • Get a 0% intro APR for 15 months on purchases. Then 16.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
    • No annual fee.
    • Click through to Discover’s website to see terms and conditions.
Rates & Fees External Link Icon

Blue Cash Everyday® Card from American Express

Great for: Welcome offer

Apply Now for Blue Cash Everyday® Card from American Express

On American Express' Secure Website.

Terms apply

Blue Cash Everyday® Card from American Express
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Blue Cash Everyday® Card from American Express

On American Express' Secure Website.

Terms apply

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.74%-29.74% Variable

Rewards Circle with letter I in it. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 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%.

1% - 3% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

  • One of the highest rewards-earning U.S. gas and U.S. supermarkets cards we've seen with no annual fee. The lucrative welcome offer and intro APR round out a diverse feature set. Read Full Review

    • U.S. supermarkets and online retail rewards
    • U.S. gas stations cash back
    • Big welcome offer
    • No annual fee (see rates and fees)
    • Foreign transaction fee
    • 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, 18.74% to 29.74% variable APR.
    • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
    • 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 in purchases, then 1%.
    • Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
    • Terms Apply.
Rates & Fees External Link Icon

Costco Anywhere Visa® Card by Citi

Great for: Costco shoppers

Apply Now for Costco Anywhere Visa® Card by Citi

On Citi's Secure Website.

Costco Anywhere Visa® Card by Citi
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Excellent (740-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Costco Anywhere Visa® Card by Citi

On Citi's Secure Website.

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% (Variable)

Rewards Circle with letter I in it. 4% back on gas and EV charging ($7,000 annual spending cap), 3% back on restaurants and travel, 2% back on Costco purchases, 1% back on other purchases

1% - 4% back

Annual Fee

$0 for Costco members

Welcome Offer

N/A

  • Hard to beat for Costco shoppers with the lucrative rewards program and no annual fee for members. The gas and EV charging cash back earning potential is among the highest you'll find. Read Full Review

    • Gas and EV charging cash back
    • Costco cash back
    • Travel and dining cash back
    • Purchase protections
    • No foreign transaction fee
    • No sign-up bonus
    • No intro APR offer
    • Clunky cash back redemptions
    • 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

Bank of America® Customized Cash Rewards credit card

Great for: Cash back of your choice and big sign-up bonus

Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Bank of America® Customized Cash Rewards credit card
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Intro APR Circle with letter I in it. See Terms. See Terms. After the intro APR offer ends, See Terms will apply. A 3% fee applies to all balance transfers.

Purchases: See Terms

Balance Transfers: See Terms

Regular APR

See Terms (Variable)

Rewards Circle with letter I in it. 3% cash back in your choice category, 2% at grocery stores & wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% on all other purchases.

1% - 3% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening

$200 cash rewards

  • Includes a big bonus in the no-annual fee category, a great 0% intro and transfer APR offer, and a flexible cash rewards program that enables you to earn premium cash back in a category of your choice. Read Full Review

    • Competitive sign-up bonus
    • Bonus cash back in a category of your choice
    • No annual fee
    • Great 0% intro & transfer APR offer

    • Foreign transaction fee
    • Limit on bonus cash back
    • $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.
    • 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.

Discover it® Student chrome

Great for: Students

Apply Now for Discover it® Student chrome

On Discover's Secure Website.

Discover it® Student chrome
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Fair/New to Credit Under(669) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Discover it® Student chrome

On Discover's Secure Website.

Intro APR

Purchases: 0%, 6 months

Balance Transfers: 10.99%, 6 months

Regular APR

17.74% - 26.74% Variable APR

Rewards Circle with letter I in it. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically

1% - 2% Cashback

Annual Fee

$0

Welcome Offer Circle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match

  • Earns a potentially big sign-up bonus and you can secure rich rewards for gas and restaurants. The inclusion of no annual fee makes this a hard-to-ignore student credit card. Read Full Review

    • Great sign-up bonus offer
    • Gas and restaurant rewards
    • No annual fee
    • Credit score monitoring
    • Lackluster bonus category cash back rate
    • 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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
    • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
    • No credit score required to apply.
    • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
    • No annual fee and build your credit with responsible use.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.74% - 26.74% applies.
    • Click through to Discover’s website to see terms and conditions.
Rates & Fees External Link Icon

Discover it® Secured Credit Card

Great for: Building credit

Apply Now for Discover it® Secured Credit Card

On Discover's Secure Website.

Discover it® Secured Credit Card
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
New/Rebuilding Under(579) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Discover it® Secured Credit Card

On Discover's Secure Website.

Intro APR

Purchases: n/a

Balance Transfers: 10.99%, 6 months

Regular APR

27.74% Variable APR

Rewards Circle with letter I in it. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically

1% - 2% Cashback

Annual Fee

$0

Welcome Offer Circle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match

  • This card is a great place to start when building your credit history. It offers perks rarely found in secured cards, including cash back, no annual fee, and Discover's innovative sign-up bonus. Read Full Review

    • Cash back rewards
    • Great sign-up bonus offer
    • No annual fee
    • Can graduate to an unsecured card
    • Minimum deposit amount
    • No credit score required to apply.
    • No Annual Fee.
    • Use your tax refund to fund your security deposit and start building your credit history. Your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
    • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
    • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
    • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
    • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
    • Click through to Discover’s website to see terms and conditions.
Rates & Fees External Link Icon

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

Great for: Sign-up bonus and 0% intro APR

Apply Now for U.S. Bank Altitude® Go Visa Signature® Card

On U.S. Bank's Secure Website.

U.S. Bank Altitude® Go Visa Signature® Card
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for U.S. Bank Altitude® Go Visa Signature® Card

On U.S. Bank's Secure Website.

Intro APR Circle with letter I in it. 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 19.74% - 28.74% (Variable).

Purchases: 0%, 12 billing cycles on purchases

Balance Transfers: 0% on balance transfers, 12 billing cycles

Regular APR

19.74% - 28.74% (Variable)

Rewards Circle with letter I in it. 4x points on dining, 2x points on groceries, gas, and streaming services, 1x points on other purchases

1x - 4x points

Annual Fee

$0

Welcome Offer Circle with letter I in it. 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

20,000 points

  • A rare, great pick that offers lucrative rewards (up to 4x points), a big bonus, and a competitive 0% intro APR offer, all somehow with no annual fee. Read Full Review

    • Big sign-up bonus
    • Dining rewards
    • No annual fee
    • 0% intro APR offer
    • Streaming credit
    • Balance transfer fee
    • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
    • 4X points on dining, takeout, and restaurant delivery.
    • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
    • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
    • 1X point on all other eligible purchases.
    • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 19.74% - 28.74%.
    • No Annual Fee
    • Points never expire
    • Terms and conditions apply.
Rates & Fees External Link Icon

What is a gas credit card?

Gas credit cards are a way to earn rewards by fueling up your car. The most common type of gas credit card is a regular rewards credit card that offers extra points or cash back on gas purchases. Another type of gas credit card is what's known as a co-branded card. These cards are generally partnerships between banks and gas station companies, such as the ExxonMobil™ Smart Card (issued by Citi) or the Texaco Techron Advantage Credit Card (issued by Synchrony Bank). Most of the major gas station franchises offer these types of rewards credit cards. 

What should I look for in a gas credit card?

Here’s what you should look for: 

  1. Can be used at gas stations you frequent. Some gas credit cards are issued by individual gas station brands, such as Shell or Sinclair. Some of these credit cards for gas can only be used at the issuing company's gas stations. Make sure you sign up for a card you can actually use. 
  2. Offers a high percentage of cash back on gas purchases. The best gas credit cards offer a cash back rate of 3% or higher on gas purchases. 
  3. Charges few fees. If you think you'll earn $63 in cash back from gas purchases but a card has an annual fee of $95, then that gas credit card is not gaining you $63. It's costing $32. The best gas credit cards have no annual fees. If you'll be driving abroad, choose a card without foreign transaction fees too.

When is a credit card for gas a good idea?

Gas credit cards are a good idea when you spend a lot on gas and you're willing to manage an extra credit card solely for your gas spending. It's a good idea to run the numbers and see how much extra cash back you might earn from a gas credit card, and then decide whether it's worth the extra hassle. 

For example, let's say you already have a rewards credit card that offers 2% cash back on your purchases. You spend around $100 per month on gas. Now, imagine you find a gas credit card offering 4% cash back on gas purchases. That means you'd earn an extra $24 per year if you used this credit card for gas. Is that amount worth it to you? That's something only you can decide.

The Picks
Card Rating Great For
Award Icon 2023 Award Winner
Graphic of Wells Fargo Autograph℠ Card
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Unlimited 3X points on gas
Award Icon 2023 Award Winner
Terms apply
Graphic of Blue Cash Preferred® Card from American Express
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Gas and welcome offer
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4.50 stars
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No annual fee
Terms apply
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Welcome offer
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Costco shoppers
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Cash back of your choice and big sign-up bonus
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Students
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Building credit
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Great For:

Sign-up bonus and 0% intro APR

FAQs

  • Gas credit cards can be worth it if gas is one of your biggest monthly expenses. However, many consumers spend more money in other areas, including groceries and restaurants.

    Before you apply for a gas credit card, go over your bills and see where you spend the most. You might find that you're better off with a different type of rewards credit card.

  • The easiest gas credit card to get approved for is the Discover it® Secured Credit Card. It earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.

    Since this is a secured credit card, you can get approved for it even if you have a low credit score or a limited credit history. A refundable security deposit is required to open the card.

  • The credit limit for a gas credit card can range from under $500 to well over $10,000. When you get approved for a gas credit card, the card issuer will set a credit limit based on your income, credit history, and overall credit worthiness.

  • A gas credit card is either a regular credit card that offers extra rewards on gas purchases, or a credit card that's particular to a certain gas station brand and offers deals and benefits.

  • The best credit cards for gas have a high percentage of cash back on gas purchases, can be used at the gas stations you use most often, and don't charge very many fees.

Our Credit Cards Expert

Lindsay VanSomeren

Lindsay VanSomeren has been working as a personal finance writer and expert since 2015. Her work has appeared on Business Insider, Credit Karma, LendingTree, Northwestern Mutual, and The Balance, among other publications. She is passionate about making personal finance accessible to everyone by delivering straight talk about financial products. She has a bachelor's degree and a master's degree from the University of Alaska Fairbanks.