18 Best Credit Cards for Gas Stations — (Cash Back, Rewards & More)

credit card advice

Ashley Dull
By: Ashley Dull
Posted: May 17, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Unless you drive an electric car, reside in a city with efficient public transportation, or live in walking distance of your workplace, friends, extended family, and grocery store, the odds are high you’ll be paying for gas to get you to all the places you need to be.

Springing for fuel is a little less painful these days with gas prices at a more reasonable level than years past, but, by using a quality gas rebate credit card, you can save even more money.

As a general rule, people with better credit will have access to cards with higher rewards potential, but there are also several credit cards available to people with lower credit scores that can earn money back on gas purchases. Some cards are even tailor-made for those looking for specific advantages to cards, like students, businesses, travelers, and people with credit ratings of every type. We’ve taken the guesswork out of it with this handy list.

Cash Back | Rewards0% Intro APR
Air Miles | For Businesses | For Students
Bad Credit | Fair Credit | No Credit

Best “Cash Back” Cards for Gas Purchases

You’re going to have to buy gas anyway, so why not get a card that will let you recoup some of that money spent? A cash back card used for necessities such as gas and groceries can be a great way of saving money.

You might even find that some cards offer higher cash back bonuses for gas during different quarters of the year, an incentive to consider owning multiple cards in this category. If you play your cards right, you could save a lot of money. Below are our two best bets for credit cards that can earn you cash back while purchasing gas:

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.49% - 25.24% Variable
$0
Excellent/Good
Wells Fargo Cash Wise Visa® Card Review

at Wells Fargo'ssecure website

CASH BACK RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.49%-26.49% variable APR; balance transfer fees apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
14.49%-26.49% (Variable)
$0
Excellent/Good

+ See more cards for cash back

Best “Points & Rewards” Cards For Gas Purchases

There was a time when owning proprietary credit cards to the gas station of your choice was the way to go. However, these types of cards have fallen out of favor because they are limited in usage, often confusing, and include fine print about minimum purchases and high APRs.

A better option is going with a general-purpose rewards credit card that offers more simplicity and greater versatility. Here are our two best bets for credit cards that can earn you rewards and points while purchasing gas:

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.49% Variable
$0 Intro for the First Year, then $95
Excellent Credit

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.99%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.99%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% (Variable)
$0
Excellent, Good

+ See more cards for points & rewards

Best “0% Intro APR” Cards For Gas Purchases

If you’re planning on carrying a balance, it’s a good idea to find a credit card that won’t charge you interest for a long introductory period. This will give you more time to pay off your debt without penalties. Skip the initial APR, and give yourself more time to get that balance to zero with our two favorite choices in this category:

Wells Fargo Platinum Visa® Card Review

at Wells Fargo'ssecure website

0% INTRO APR RATING

★★★★★
5.0

OVERALL RATING

4.6/5.0
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.65%-26.49% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
16.65%-26.49% (Variable)
$0
Excellent/Good

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.49% - 25.24% Variable
$0
Excellent/Good

+ See more cards for 0% Intro APR

Best “Air Miles” Cards For Gas Purchases

That trip to Hawaii has been on your mind for years, but the round-trip flights are just so expensive. Why not rack up air miles while you’re buying gas and making other everyday purchases and trade them in for a free or heavily discounted flight into Honolulu? Here are our two favorite credit card options for earning air miles:

AIR MILES RATING

★★★★★
5.0

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.49% - 24.49% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.49% Variable
$0 Intro for the First Year, then $95
Excellent Credit

+ See more cards for air miles

Best “Business” Cards For Gas Purchases

Businesses have unique needs when it comes to buying gas. Some might have a fleet of vehicles for making deliveries or other purposes. Businesses often also have a need for multiple credit cards on the same account and need a much bigger credit line than an individual. Below are our two favorite credit cards for businesses that can help purchase a lot of gas:

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Named "Best Rewards Card for Small Business Owners" by Kiplinger's Personal Finance, July 2017
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 12 months
0% Intro APR on Balance Transfers for 12 months
14.74% - 20.74% Variable
$0
Excellent Credit

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 22.49% Variable
$95
Excellent Credit

+ See more cards for businesses

Best “Student” Cards For Gas Purchases

Students are in a different place in life than a lot of consumers. Most of them won’t have much income because they’re too busy hitting the books to work much. Many have never owned a credit card, but between those long drives home to see mom and dad, they are going to need to pay for gas. Here are two credit cards that reward students with cash back bonuses for keeping those GPAs high:

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.9

OVERALL RATING

4.5/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.49% - 23.49% Variable
$0
Fair
Discover it® Student chrome Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.8

OVERALL RATING

4.0/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.49% - 23.49% Variable
$0
Fair

+ See more cards for students

Best “Bad Credit” Cards For Gas Purchases

These cards are great options for people with bad credit, featuring small cash back bonuses for gas and grocery purchases. Each card is fully unsecured with no deposit required and includes automatic reviews for credit line increases, and seeing if you’re prequalified won’t hurt your credit score. Below are our two top picks for the best gas credit cards for people with bad credit:

Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
Poor Credit

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad

+ See more cards for bad credit

Best “Fair Credit” Cards For Gas Purchases

Some people don’t exactly have good or bad credit. Maybe they’ve missed a few bills and their credit score has dropped a bit, or maybe they are on their way to rebounding from a history of bad credit. These are our two best bets for gas cards for people with fair credit:

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.74% (Variable)
$0
Average, Fair, Limited

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.74% (Variable)
$39
Average, Fair, Limited

+ See more cards for fair credit

Best “No Credit” Cards For Gas Purchases

Many people have not yet established a credit history and need to start building up their score for future major purchases. Maybe your parents bought you a car for your 18th birthday, but you need a credit card because you’re on your own for gas. These are two great choices for a first credit card for those who haven’t yet begun their journey on the credit spectrum:

NO/LIMITED CREDIT RATING

★★★★★
4.8

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.74% (Variable)
$0
Average, Fair, Limited
Discover it® Student Cash Back Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.5/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.49% - 23.49% Variable
$0
Fair

+ See more cards for no credit

Save Money & Earn Rewards With Gas Credit Cards

Though companies like Tesla, Nissan, and Chevrolet, have made huge strides in building electric cars, it’s going to be a while before battery-powered vehicles are the norm. In the meantime, you’re still going to be paying for gas — why not be rewarded for it?

Among the 18 gas rewards credit card options featured above, there is something ideal for a broad range of needs.

The key is getting organized and deciding how many credit cards you should have and how you plan to use them. If you’re considering having multiple credit card accounts, pay attention to the rotating rewards calendars for each card so they don’t overlap, and you can earn a lot of rewards and cash back bonuses. Maintaining an updated reminder on your phone of which rewards are active for each of your cards is a great way of staying organized.