The Ultimate Guide to Credit Cards
Monday, September 21, 2020

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

Best Credit Cards For Gas Stations

credit card advice

Ashley Dull
By: Ashley Dull
Updated: May 21, 2020
Advertiser Disclosure

Credit card perks have come a long way over the years, and with today’s wide variety of options — from air miles to cash back — there’s something available for everyone. Here, we take a look at the best credit cards for gas stations.

Unless you drive an electric car, reside in a city with efficient public transportation, or live in walking distance of your workplace and other frequent destinations, 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
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
Chase Freedom Flex℠ Review

at the issuer'ssecure website

CASH BACK RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

+ 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 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent
American Express® Gold Card Review

at the issuer'ssecure website

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 4X Points at U.S. supermarkets and restaurants, 3X points on flights, 1X points on everything else
  • Earn 35,000 Membership Rewards® points after you spend $4,000 on purchases on your new card in your first 3 months of card membership
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Select one qualifying airline and then receive up to $100 in statement credits per calendar year when incidental fees, like checked bags and in-flight refreshments, are charged by the airline to your Gold Card account
  • $250 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99%
$250
Excellent

+ 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:

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
Wells Fargo Platinum Card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Introductory 0% APR for 18 months from account opening on purchases and balance transfers (3% balance transfer fee applies)
  • Account protection features such as Zero Liability protection for promptly reported unauthorized transactions, alerts, and cell phone protection
  • My Money Map – tools to help you manage spending and create a budget with ease
  • Access to your FICO® Credit Score with Wells Fargo Online®
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
16.49% - 24.49%
$0
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

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

AIR MILES RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed 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
15.99%-20.99% Variable
$95
Good/Excellent

+ 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:

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

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
  • 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
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A
13.24% - 19.24% Variable
$0
Good/Excellent
American Express® Business Gold Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle, including airfare purchased directly from airlines, U.S. purchases for advertising in select media (online, TV, radio), U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions, and U.S. purchases at gas stations, restaurants, or for shipping.
  • Earn 1X Membership Rewards® points on other purchases
  • Earn 35,000 Membership Rewards points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership
  • Book your flight with American Express Travel using Membership Rewards® Pay with Points and get 25% of those points back
  • $295 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.24% - 22.24%
$295
Excellent

+ 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:

Bank of America® Cash Rewards Credit Card for Students Review

at the issuer'ssecure website

STUDENT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings Learn more
  • 2% cash back at grocery stores and wholesale clubs, 1% cash back on all other purchases
  • You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • 0% introductory APR on new purchases and balance transfers for 12 billing cycles (3% balance transfer fee applies)
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 billing cycles
0% for 12 billing cycles
13.99% - 23.99%
$0
None/Limited

STUDENT RATING

★★★★★
4.8

OVERALL RATING

4.2/5.0
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Be automatically considered for a higher credit line in as little as 6 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

+ 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:

BAD CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.0/5.0
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad
Bank of America® Cash Back Secured Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Unlimited 1% cash back on all other purchases
  • A minimum refundable security deposit of $300 (maximum of $4,900) is required to open this account
  • Access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.99%
$0
Bad/Limited

+ 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
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set.
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (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
  • Be automatically considered for a higher credit line in as little as 6 months
  • 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
26.99% (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
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set.
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

NO/LIMITED CREDIT RATING

★★★★★
4.7

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
  • Be automatically considered for a higher credit line in as little as 6 months
  • 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
26.99% (Variable)
$39
Average, Fair, Limited

+ 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.

And, never forget the importance of paying off your credit card balance in a timely manner and avoid late payments altogether. Late payments are one of the factors that can quickly drag a good credit score down.

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