The Best Gas Credit Cards

If you drive a car, you already know about the high costs of filling up your tank. No matter whether you opt for regular or premium, gasoline comes at a cost. Using a gas credit card can help reduce this cost by earning cash back rewards and other perks such as money off each gallon of gas that you buy.

We reviewed dozens of gas credit cards. We researched each available option against strict metrics to see which ones stood out as the best. We considered each cards rewards, cash back incentives, and interest rates to form our recommendations.

Top Pick
Blue Cash Preferred® Card from American Express

Maximize the benefits of having a credit card with the Blue Cash Preferred® Card from American Express

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The Blue Cash Preferred® Card from American Express combines cash back options with other rewards to make it exceedingly useful. Just the cash back rewards alone are enough to make it a great card. You get cash back on every purchase and you can use it to lower your daily spending costs substantially over time.

The 5 Top-Rated Gas Credit Cards

Editor's PicksBrandRating
Top Pick Blue Cash Preferred® Card from American Express4.2
Runner UpDiscover it® Chrome2.5
Best Gas Credit Card with Cash BackDiscover it® Cash Back4.1
Best Chase Ink Business Cash℠ Credit CardChase Ink Business Cash℠ Credit Card4.3
Best Low APR Gas Credit CardPenFed Platinum Rewards Visa Signature® Card3.1

*Ratings are from CreditCards.com at the time of publication and can change

Our Top Pick: Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express is our top pick for gas credit cards. When it comes to gas credit cards, there are several other features besides gas rewards that make the best cards stand out. For the Our Top Pick: Blue Cash Preferred® Card from American Express, it is the points multipliers for gas and other purchases. You get 3% cash back at gas stations, but you also get 6% back on grocery stores and streaming subscriptions. With these features, you can get cash back on things that you use every day.

Another feature that makes the Blue Cash Preferred® Card from American Express great is that it has a low APR starting at 15.24%. The APR helps you keep costs down alongside deferred APR and transfer fees for 12 months. That makes it easy to open a new card and pay off old debts while getting rewards.

This card stands out because of its rewards structure. This includes 1% cash back on all purchases. That means that you can earn cash back every time you use your card. Since every purchase qualifies, you can get cash back on every day and cut your costs significantly just by using this card.

Blue Cash Preferred® Card from American Express Key Features: 

  • 15.24%-26.24% APR
  • No APR or transfer fees for 12 months
  • Cash back on all purchases
  • $250 statement credit

Our Runner Up Pick: Discover it® Chrome

Runner Up
Discover it® Chrome

Save money on purchases every day with the Discover it® Chrome credit card

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The Discover it® Chrome is out runner up pick. It offers similar features as our top pick with several differences. Still, it is a great option if you are looking for a way to maximize your savings on every purchase.

One of the best features that you get with the Discover it® Chrome credit card is the Cashback Match™ program. At the end of the first year, Discover will double the amount of cash back that you earned for the year. It is a great way to help you pay off your card, especially if you started with a balance transfer.

Using the Discover it® Chrome to consolidate your other debts is easier thanks to its other features. You won’t have to pay APR or a balance transfer fee for the first 14 months. There isn’t an annual fee either. Combined with an APR that starts at 14.24%, you can use it to make your debts more manageable and stay out of debt almost entirely.

Discover it® Chrome Key Features: 

  • Cashback Match™
  • 14.24% – 25.24% APR
  • No APR or balance transfer fees for 14 months
  • No annual fee

Best Gas Credit Card with Cash Back: Discover it® Cash Back

Best Gas Credit Card with Cash Back
Discover it® Cash Back

Maximize your savings with the Discover it® Cash Back gas credit card

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The Discover it® Cash Back is our best gas credit card with cash back features. When it comes to getting cash back, it is surprisingly easy with this card. It starts with the Cashback Match™ program, which doubles your earnings at the end of the year. If you maximize your earnings, you could save up to $12,000 in the first year.

The Discover it® Cash Back works on a rotating category system. Each quarter you choose from a list of categories to see which one you will get 5% cash back on. You can choose categories that work best for your purchases. you can choose new categories every quarter so that you can adjust what you spend money on. With up to $1,500 back every quarter, your savings will pile up throughout the year.

One of the best features of the Discover it® Cash Back is that your rewards never expire. You can also cash them in whenever you want. There is no limit on how much you can cash at any given time, so you are in complete control of how your rewards are redeemed.

Discover it® Cash Back Key Features: 

  • Cashback Match™
  • 14.24% – 25.24% APR
  • Rotating categories
  • Up to $1,500 back per quarter

Best Gas Credit Card with Signup Bonus: Chase Ink Business Cash℠ Credit Card

Best Gas Credit Card with Signup Bonus
Chase Ink Business Cash℠ Credit Card

Start your year off with a big signing bonus with the Chase Ink Business Cash℠ Credit Card

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The Chase Ink Business Cash℠ Credit Card is our best gas credit card with a signup bonus. Signup bonuses give you a big advantage if you are working towards rewards. They are often enough points to qualify for several early-level rewards like hotel stays. Some cards also give you statement credits. The Chase Ink Business Cash℠ Credit Card has a $500 signing bonus.

The Chase Ink Business Cash℠ Credit Card gives you cashback on some of your more hefty or common purchases. These include 5% cash back on phone and internet services. You can also get 5% cash back on office supplies, which can be a big help if you own or run a business.

This card really shines when it comes to cash back on purchases. You get 1% cash back on every purchase, and there is no limit on how much you can earn. That means that you can use your card for every purchase and always get cash back. It is a useful feature if you are trying to save money over the long-term.

Chase Ink Business Cash℠ Credit Card Key Features: 

  • 2% cash back on gas and restaurants
  • 15.49% – 21.49% APR
  • No annual fee or balance transfer fees
  • No APR for 12 months

Best Low APR Gas Credit Card: PenFed Platinum Rewards Visa Signature® Card

Best Low APR Gas Credit Card
PenFed Platinum Rewards Visa Signature® Card

Save more money with this PenFed Platinum Rewards Visa Signature® Card

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The PenFed Platinum Rewards Visa Signature® Card is our best low APR gas credit card pick. Saving money on gas can make a big dent in your daily expenses. So can a card with a low APR. The PenFed Platinum Rewards Visa Signature® Card gives you 5% cash back at gas stations and 3% back on restaurants. If you travel a lot, it is a great option for reducing your travel costs.

The APR on this card is considerably lower than other options. With a low APR, you will pay less in fees when you use it. PenFed also removed the fees for balance transfers and APR for the first 12 months. You also get 1% back on all purchases so that you can get cash back every time you use your card.

PenFed Platinum Rewards Visa Signature® Card Key Features: 

  • 11.99% to 17.99% APR
  • No APR or balance transfer fees for 12 months
  • 5% back on gas
  • 1% back on all purchases

Who Should Buy a Gas Credit Card

A gas credit card can be a good idea for anyone that owns a car, boat, or recreational vehicle. Each time that you fill up your vehicle’s gas tank, you can earn cash back. For people who spend a large portion of their monthly budget on gas, it can make sense to choose a card that gives you money back on what you’d spend anyway. Some gas station specific credit cards offer up to 10 cents off each gallon of gas that you buy.

If you don’t own a vehicle of your own, there are still some instances when you can benefit from having a gas credit card. If you frequently rent cars, you still are responsible for putting gas in the vehicles during use and before you return the rental. It could be worthwhile in this case to have a gas credit card.

Important Features to Consider

A gas credit card should have several important features. Here’s what to consider when selecting one:

  • % cash back. This refers to the amount of cash back incentives you’ll receive on gas purchases. Some gas credit cards have cash back incentives for other types of spending, such as groceries.
  • Sign up bonus. A sign up bonus or incentive might mean a higher percentage of cash back rewards for the first 90 days or a certain cash bonus for signing up.
  • Emergency card replacement. Some credit cards charge for an emergency card replacement if your card is lost while others include it as a benefit of the card.
  • Extended warranty coverage. This warranty coverage extends the warranty on your purchases.
  • Roadside assistance. Some gas credit cards offer roadside assistance, so you will have coverage in the event of a flat tire or break down.
  • Concierge service. This can be a convenient service for those that need added customer service support.
  • Cash back matching. A few gas credit cards will match your cash back rewards for a set amount of time, such as the cash back rewards you earn in the first year will be matched by the credit card company.
  • Introductory APR. Some companies offer a low APR for the first quarter or year, such as 0% APR for the first year.

Frequently Asked Questions

Can you build credit with a gas card?

Yes. Since many gas station-specific credit cards are considered retail credit cards, people with limited credit history or bad credit scores can often be approved for a gas credit card with a low credit limit. As you use the credit card, be sure to pay it off in full each month. This can help you build credit.

Is it worth it to get a gas credit card?

For many Americans, having a gas credit card can be worth it. If you regularly shop at the same gas station or purchase a lot of gas each month, a gas credit card can give you money back on what you’re spending anyway. Additionally, some gas credit cards offer a discount on each gallon of gas.

What credit score do you need to get a gas card?

All gas credit cards have different credit score requirements. Some credit cards accept as low as 580 for a credit score. Retail credit cards, such as Chevron and Citgo, generally accept lower credit scores than bank credit cards, such as those from Chase and American Express.

Can you buy food with a gas card?

Most gas credit cards enable you to buy food from inside of the gas station, but you may not receive any cash back rewards on those purchases. Some gas credit cards, such as those offered through traditional banks, can be used like regular VISA and Mastercard credit cards. You can use these credit cards for food or anything else you might need to buy.

Other Gas Credit Cards We Reviewed

Top Pick
Blue Cash Preferred® Card from American Express

Maximize the benefits of having a credit card with the Blue Cash Preferred® Card from American Express

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We looked at 20 other gas credit cards. Even though they didn’t make our 5 best gas credit cards, they’re the best of the rest and each is still a great option for making traveling easier. The information you’ll need to compare each one is included with the listing.

Gas Credit Cards with Cash Back

Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

The Capital One® QuicksilverOne® Cash Rewards Credit Card is made to make traveling easier. It has a low annual fee, no transfer fees, and no foreign transaction fees. The best feature is that you get 1.5% cash back on all of your purchases. Plus, there are no restrictions on your purchases. That means that you can earn cash back on every purchase every day.

Key Features:

  • $39 annual fee
  • 1.5% cash back on purchases
  • No purchase restrictions
  • 26.96% APR

Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card by Citi

The Costco Anywhere Visa® Business Card by Citi gives you cash back rewards on gas and other purchases. You get 4% cash back on gas purchases anywhere up to $7,000. After that, you get 1% cash back. With a low 17.49% APR, you can keep your costs down and use your card more often. Plus, you get 1% cash back on all purchases so you can earn cash anywhere.

Key Features:

  • 4% cash back on gas
  • 2% cash back on Costco purchases
  • 1% cash back on all purchases
  • 17.49% APR

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa® Card by Citi gives you many of the same benefits as the business version. It has one of the highest cash back percentages, which lets you earn cash back very quickly. There is also no annual fee and a low APR to keep your costs down. Plus, you get access to other features like access to pre-sale concert tickets. The card is also protected by a Zero Fraud Liability program.

Key Features:

  • High cash back percentage
  • Access to pre-sale tickets
  • No annual fee
  • 1% cash back on all purchases

Credit One Bank® Visa® Credit Card

Credit One Bank® Visa® Credit Card

The Credit One Bank® Visa® Credit Card helps you better manage your credit cards. You can choose from a variety of card designs to make it your own. Plus, you can choose policy details like your payment due date so that it fits nicely into your monthly bill schedule. You get 1% cash back on gas, but also groceries and utilities. That can be helpful if you have a family or you need a new phone soon. Setting up the card also won’t affect your credit score.

Key Features:

  • 20.24% – 26.24% APR
  • Variable annual fee
  • 1% cash back on gas and other purchases
  • Choose your payment due date

Discover it® Secured

Discover it® Secured

If you need to build up your credit, try the Discover it® Secured credit card. You will need to pay a deposit, but you can get that deposit back in as little as 8 months. While you are building your credit, you can get up to 2% cash back at gas stations. There is also a cash back match program where the company will match your cash back earnings at the end of the first year. So, you could come out of it with a substantial profit depending on how you manage your card.

Key Features:

  • 25.24% APR
  • 2% cash back at gas stations
  • Cash Back Match program
  • Secured credit card

Ducks Unlimited Rewards Platinum Edition® Visa® Card

Ducks Unlimited Rewards Platinum Edition® Visa® Card

If you want to help the environment and save money, check out the Ducks Unlimited Rewards Platinum Edition® Visa® Card. A portion of the company’s earnings and your purchases goes toward conserving and restoring wetlands. You get 5% cash back on gas, which makes traveling much easier. There is a 5% balance transfer fee as well as a 3% foreign transaction fee.

Key Features:

  • 5% cash back on gas
  • 5% cash back on sporting goods
  • 1% cash back on all purchases
  • Donations to conservation efforts

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card

The Wells Fargo Propel American Express® Card is designed to help you get started with your credit. It cancels your APR and balance transfer fees for the first 12 months. It also has a low APR starting at 16.24%. You won’t pay an annual fee either, which helps keep your overall costs down. Wells Fargo gives you a free credit score check so that you can stay on top of your payments and improve your credit. The rewards program is pretty straight forward as well, which makes it easier to navigate.

Key Features:

  • 0% balance transfer fee for 12 months
  • 16.24% to 28.24% APR
  • No annual fee
  • 0% APR for 12 months

Gas Credit Cards with Signup Bonus

Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards credit card

Like other specialty credit cards, you can get a gas credit card with signing bonuses. The Bank of America® Cash Rewards credit card has a $200 signing bonus that you can earn by spending $1,000 in the first three months. What makes this card truly different is that you can choose which category you get 3% cash back on, so you can tailor it to your purchasing needs. This card also won’t charge you APR or transfer fees for the first year, making it easier to get started and get the bonus.

Key Features:

  • $200 instant cash reward bonus
  • 3% cash back on gas
  • 1% cash back on purchases
  • 16.24% – 26.24% APR

Chase Freedom®

Chase Freedom®

The Chase Freedom® makes it easier to get a card that reflects your needs. Every quarter, you get to choose the categories that you get cash back on. That way, you can choose the things that you will benefit from the most. Plus, it is 5% cash back so you will accrue rewards quickly. There is also an easy-to-get $150 signing bonus. If you don’t like the categories that you picked, it will change at the end of every quarter and you can pick several new ones.

Key Features:

  • $150 signing bonus
  • 5% cash back on several categories
  • You choose the categories
  • Categories change each quarter

Citi Rewards+℠ Student Card

Citi Rewards+℠ Student Card

The Citi Rewards+℠ Student Card is designed to help students manage their costs and build credit while in school. It has a low APR starting at 16.74% to keep costs down. Plus, students won’t pay APR, transfer fees, or an annual fee. That way, students have the financial flexibility that they need to get what they need and build credit without being stuck with a huge credit card debt on top of everything else. Cardholders also get 10% of their points back when they exchange them in the first year.

Key Features:

  • 2x rewards points at gas stations
  • 2,500 point signing bonus
  • 16.74% – 26.74% APR
  • Designed specifically for students

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® gives you travel bonuses. The signing bonus is 60,000 reward miles. You can get rewards points by paying for phones, phone services, and flights with American Airlines. On those flights, your first checked bag will be free too. The APR starts low and the 2x points multipliers help you build up points quickly.

Key Features:

  • 60,000 miles signing bonus
  • 2x reward points at phone companies
  • 2x reward points on American Airlines flights
  • 17.99% – 25.99% APR

Hilton Honors American Express Ascend Card

Hilton Honors American Express Ascend Card

The Hilton Honors American Express Ascend Card can earn you points much faster than many other gas credit cards. It gives you 12x the rewards points for booking with Hilton hotels. There are no balance transfer or foreign transaction fees so that you can get started using your card right away. Plus, there is a massive 125,000 point signing bonus when you sign up for the card.

Key Features:

  • 125,000 rewards points
  • 12x points for booking with Hilton hotels
  • 6x rewards at restaurants
  • No balance transfer or foreign transaction fees

Sam’s Club Mastercard

Sam's Club Mastercard

The Sam’s Club Mastercard saves you money outside of Sam’s Club. You get cash back on restaurants and travel expenses, as well as most other purchases. Aside from the APR, there are no fees. If you shop at Sam’s Club often, your Sam’s Club Mastercard doubles as a membership card. That’s one less card that you have to keep up with.

Key Features:

  • 5% cash back on gas
  • 3% cash back on restaurants and travel
  • Can be used as a membership card
  • 1% on all purchases

U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

You can customize the U.S. Bank Cash+™ Visa Signature® Card to meet your needs. You get to choose the categories that you want to get cash back on. They change each quarter and you can choose up to two of them each quarter. It is an easy way to make sure that you can get cash back on the things that you need most often.

Key Features:

  • $150 signing bonus
  • 5% cash back
  • Choose two categories
  • Categories change each quarter

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is designed to help you travel. You get points on travel expenses and restaurants anywhere. Plus, you can get points for any other purchases with the card. When redeeming your points, they are worth 25% more. That way, you qualify for higher level rewards much faster. The 60,000 signing bonus puts you in a good position to earn rewards from the start.

Key Features:

  • 60,000 point signing bonus
  • 2x points on restaurants and travel expenses
  • 18.24% – 25.24% APR
  • 25% bonus when redeeming for travel rewards

Low APR Gas Credit Cards

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express helps you get points on everyday items. You get cash back at the grocery store, but also on gas and other purchases. The APR is low so the fees stay low. Plus, you won’t have to pay the APR for the first 15 months. It is one of the best options for families and people who shop frequently.

Key Features:

  • 15.24%-26.24% APR
  • No annual fee
  • No APR for 15 months
  • Cash back on everyday items

Citi Rewards+℠ Card

Citi Rewards+℠ Card

The Citi Rewards+℠ Card gives you Thank You points, which you can use on a variety of rewards. You start with 15,000 points and you can build up pretty quickly. Gas purchases give you double the points. The APR is low so you won’t have to worry about high fees. One of the best benefits is that you get 10% back on your points when you redeem them.

Key Features:

  • 15,000 point signing bonus
  • 15.74% – 25.74% APR
  • 2x points on gas
  • Points for all purchases

Discover it® Student Cash Back

Discover it® Student Cash Back

For students, one of the best options is the Discover it® Student Cash Back. A big part of that is the Cashback Match™ program. It doubles the amount of cash that you got back at the end of the first year, so you may end up making money with this card. You also get to choose the categories that you get cash back on so that you can tailor it to your purchases. You also get 5% back on those purchases.

Key Features:

  • 15.24% – 24.24%  APR
  • Cashback Match™
  • 1% cash back on all purchases
  • Unlimited cash back

Discover it® Student Chrome

Discover it® Student Chrome

This Discover it® Student Chrome is designed to help students get started building credit. You don’t need credit history to apply for this card. You get 2% cash back on gas and food purchases. Plus, you are automatically enrolled in a fraud protection program that automatically monitors your social security number and other personal information pieces.

Key Features:

  • 15.24% – 24.24% APR
  • No APR for six months
  • $20 statement credit for good grades
  • Identity monitoring

NHL® Discover it®

NHL® Discover it®

If you are an NHL fan, check out the NHL® Discover it® credit card. You can choose the design to match any of the NHL teams. The APR is lower than many other card options making it easier to save money. Plus, it has the Cashback Match™ program that doubles the amount of cash that you got back throughout the year. The categories that you get cashback on rotate every quarter so that you are not stuck with categories that you don’t use often.

Key Features:

  • Cashback Match™
  • 5% cash back on rotating categories
  • Cashback on all purchases
  • 14.24% – 25.24% APR

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