The Best Gas Credit Card

Advertiser Disclosure
Our favorite cards from our partners and the marketplace.
This post contains references to products from our advertisers. We may receive compensation when you click on links to these products. Please visit our Advertiser Disclosure to view our partners and for additional details.
The 30-Second Review

The best gas credit card offers at least 3% cash back on gas, and choosing the right one for you comes down to aligning your other spending habits with the right cash back offer. All our top picks come with additional rewards and perks — which means you can earn cash back not only at the pump, but also at restaurants, grocery stores, Amazon.com, and more.

Best for Most People

3% back on gas, plus a massive 6% back on up to $6,000 in supermarket grocery purchases.

Best for Costco Members

Costco Anywhere Visa® Card by Citi
4% on up to $7,000 in gas, plus 3% on travel and dining, and 2% on Costco purchases.

Not Exactly a Gas Credit Card, But...

Both the Discover it® Cashback Match™ and the Chase Freedom® offer 5% cash back on rotating categories, which sometimes include gas. These cards are a great option if your gas spending is on par with other expenses, like Amazon.com, groceries, and home improvement — you'll often get even more cash back than with a non-rotating gas card.

The average American spends about $174.17 per month on gasoline and motor oil, according to a Bureau of Labor Statistics’ 2015 consumer expenditures study. That adds up to $2,090 in gas purchases per year — a significant expense that warrants significant rewards.

Best for Most People

Blue Cash Preferred® Card from American Express Unlimited 3% back on gas and a massive 6% on up to $6,000 in supermarket groceries.

If you’re hitting that average (or exceeding it), we like the Blue Cash Preferred® Card from American Express. Even with its $95 annual fee, the 3% cash back on gas coupled with a massive 6% cash back on groceries delivers some of the highest rewards for the most common purchases out there. Costco members will likewise find a sweet deal in the Costco Anywhere Visa® Card by Citi, which offers 4% cash back on gas, 3% on travel and dining, and 2% on other Costco purchases.

Your choices get a little more complicated if you start factoring in other cash back cards. We encourage you to really dig into your spending habits and weigh the Chase Freedom® and the Discover it® Cashback Match™ as well. Both of these cards are fee-free, and offer 5% cash back — but those 5% cash back categories rotate every quarter, which means sometimes you’ll get rewards for your gas, and sometimes you’ll get 5% back on other expenses, like groceries, Amazon.com purchases, or transportation. Depending on your lifestyle, these rotating category cards could end up just as lucrative — if not more — than cards that give lower, but consistent, cash back for gas.

Our Picks for the Best Gas Credit Card

Best for Most People

Blue Cash Preferred® Card from American Express Unlimited 3% back on gas and a massive 6% on up to $6,000 in supermarket groceries.

The Blue Cash Preferred® Card from American Express is ready to give you cash back on fuel for your car and fuel for yourself. You’ll earn 3% cash back on gas station purchases (with no limit on the amount of cash back you can earn), as well as 6% cash back on up to $6,000 in grocery purchases per year.

You also get 3% cash back on department store purchases, and until January 11th, 2017, 10% cash back on up to $2,000 of Amazon.com purchases made in your first six months as a card member. That’s some serious cash back, and it doesn’t even factor in the $250 you get after spending $1,000 in the first three months.

Here’s an example of how much you could earn with the Blue Cash Preferred® Card from American Express over the course of a year, if you max out your Amazon.com and grocery cash back, spend $2,090 on gas (based on that average $174.17 per month we mentioned earlier), and spend $1,000 in each of the other categories:

Blue Cash Preferred® Card from American Express

10% cash back on $2,000 in purchases from Amazon.com
$200
6% cash back on $6,000 in grocery purchases
$360
3% cash back on $2,090 in gas purchases
$62.70
3% cash back on $1,000 in department store purchases
$30
1% cash back on $1,000 in all other purchases
$10
$250 bonus cash back after making $1,000 in purchases in the first three months
$250
Total cash back
$910.70
Minus $95 annual fee
$815.70

What’s the catch? The Blue Cash Preferred® Card from American Express has a $95 annual fee, but you’ll probably earn that back — and more — in cash back rewards. Your cash back also comes in the form of statement credits, which means you can only use your cash back to pay off purchases you’ve made on your Blue Cash Preferred® Card from American Express.

If you hate annual fees and are willing to live with slightly lower cash back percentages, the Blue Cash Everyday® Card from American Express may be a good option — it gives you 2% cash back on gas and 3% back on groceries, among other rewards.

  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
  • Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

Best for Costco Members

Costco Anywhere Visa® Card by Citi 4% on up to $7,000 in gas, 3% on travel and dining, and 2% on Costco purchases.

If you’re a Costco member and you spend a lot of time in the car, you’ll like the Costco Anywhere Visa® Card by Citi. You’ll get 4% cash back on up to $7,000 in gas purchases from any gas station per year, which means you could spend as much as $583 on gas per month (nearly three times the national average) and get cash back on every transaction. You also get other cash back perks, including 2% cash back on Costco purchases. Unlike the Blue Cash Preferred® Card from American Express, you can get your cash back as cash, or use it on Costco merchandise.

Let’s say you maxed out your annual gas purchases with the Costco Anywhere Visa® Card by Citi, as well as spent $1,500 on travel and restaurant purchases, $6,000 at Costco or Costco.com (that’s $500 a month), and $1,000 on all other purchases. Here’s how much cash back you might earn over the course of a year:

Costco Anywhere Visa® Card by Citi

4% on $7,000 in gas purchases
$280
3% on $1,500 in travel and restaurant purchases
$45
2% on $6,000 in Costco purchases
$120
1% on $1,000 in all other purchases
$10
Total Cash Back
$455
Minus $55 Costco membership fee
$400

The Costco Anywhere Visa® Card by Citi doesn’t have an annual fee itself, but you need a Costco membership to apply for this card — and that’ll cost you $55 or more per year, depending on the membership you choose.

Not Exactly Gas Credit Cards, But...

Discover it® Cashback Match™ 5% back on rotating categories, plus Discover will match your cash back from your first year.

We’ll tell you right up front: These cards aren’t the best gas credit card overall. But the Chase Freedom® and the Discover it® Cashback Match™ cards should still be up for consideration because they do offer a whopping 5% cash back on quarterly rotating categories — and those categories can include gas.

Both of these cards work in roughly the same way: Every quarter, you’ll get a reminder to activate your 5% cash back rewards. Once you do, you’re all set up to earn 5% back on purchases within those categories, and a flat 1% cash back on everything else. (If you don’t activate your rewards, you won’t earn 5% cash back on anything — just the flat 1%.)

Chase Freedom® 5% back on rotating categories, plus a $150 bonus after you spend $500 in the first three months.

We encourage you to use some personal finance software take a look at your yearly spending habits and do the math, because even if these cards aren’t currently offering 5% cash back on gas, chances are they’re offering 5% cash back on other categories you’ll like, such as Amazon.com purchases or home improvement purchases. Plus, you’ll get gobs of additional rewards, including Discover’s famous “cashback match” — it’ll match all the cash back you earn during your first year as a cardmember.

We featured the example below in our review of the best cash back cards, but here it is again because it does a great job showing just how rich the cash back rewards can be. This is how much you could earn with each of these cards over the course of a year, if you max out the highest categories and spend $1,000 in each of the other categories:

Chase Freedom®

Discover it® Cashback Match™

5% cash back on up to $1,500 every quarter in rotating categories
$300 ($75 per quarter)
$300 ($75 per quarter)
1% cash back on all other purchases
$10
$10
$25 bonus after you add your first authorized user and make your first purchase (Chase only)
$25
N/A
$150 bonus after you make $500 in purchases (Chase only)
$150
N/A
Cash back doubled at the end of your first year (Discover only)
N/A
$310
Total cash back
$485
$620

In your first year with the Discover it® Cashback Match™, you have the potential to earn nearly as much as the Blue Cash Preferred® Card from American Express (especially considering AmEx’s 10% cash back Amazon.com special is ending in early 2017). It just depends on your spending habits.

The catch here is obvious: If your biggest expense truly is fuel, you’ll be much better off with a card that offers consistently high rewards on gas.

Other Gas Credit Cards to Consider

Best for Students

Discover it® chrome for Students 2% on up to $1,000 in gas and restaurant purchases each quarter, plus your cash back doubled at the end of your first year.

We said we were only including cards that offered at least 3% cash back on gas, but we’re giving the Discover it® chrome for Students card an honorable mention because it’s designed for students, who may have a tough time qualifying for one of our other top picks.

You’ll miss out on the 3% or 4% cash back on gas, but you will get a card designed to help students build credit while earning cash back on everyday purchases — and you’ll be getting Discover’s cashback match at the end of your first year as a cardmember. You even get a bonus for good grades: $20 per year if you earn a 3.0 GPA or higher, for up to five years.

Here’s an example of how much you could earn with the Discover it® chrome for Students over the course of a year, if you max out the highest categories and spend $1,000 in each of the other categories:

Discover it® chrome for Students

2% cash back on gas and restaurant purchases, for up to $1,000 every quarter
$80 ($20 every quarter)
1% for all other purchases
$10
$20 GPA bonus
$20
Cash doubled at the end of your first year as a cardmember
$110
Total cash back
$220

What’s the catch? If you’re a student who already has good credit and is eligible for one of our top picks, you’ll earn more cash back with another option. However, if you’re new to credit, this is a great starter card. (Read more about great starter cards in our review of the best student credit cards.)

Good for Bank of America Customers

BankAmericard Cash Rewards™ Credit Card 3% back on gas, 2% on groceries and wholesale clubs, plus earn 10% extra every time you redeem into a BoA checking or savings account.

The BankAmericard Cash Rewards™ Credit Card gives you 3% cash back on gas as well as 2% on grocery and wholesale club purchases, for up to $2,500 in combined gas, grocery, and wholesale club purchases per quarter. That, in and of itself, isn’t so remarkable, so Bank of America sweetens the pot by ditching any annual fee and giving customers 10% extra every time they redeem their cash back into an active Bank of America® checking or savings account.

Here’s an example of how much you could earn with the BankAmericard Cash Rewards™ Credit Card over the course of a year, if you spend $2,090 on gas ($174.17 per month), max out your grocery and wholesale club rewards, and make $1,000 in additional purchases:

BankAmericard Cash Rewards™ Credit Card

3% on $2,090 in gas purchases
$62.70
2% cash back on $7,910 in grocery and wholesale club purchases ($659.16 per month)
$158.20
1% cash back on $1,000 in all other purchases
$10
$100 bonus after making $500 in purchases in the first 90 days
$100
10% bonus for redeeming your cash into a Bank of America® checking or savings account
$33.09
Total cash back
$363.99

What’s the catch? Even with the 10% Bank of America customer bonus, you could earn significantly higher cash back with one of our other top gas cards — which is why this card only gets an honorable mention.

The Bottom Line

When you’re shopping for a gas credit card, look for one that offers at least 3% cash back on gas as well as additional rewards. But be sure to do the math on your spending habits — if gas isn’t your biggest expense, you may actually score more cash back with a credit card that features high rewards on rotating categories.

Editorial Note: Compensation does not influence our rankings and recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of our partners, click here. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser's page for terms & conditions.