17 Best Gas Credit Cards (April 2024)

A typical internal combustion engine operates thanks to a reaction between fuel and oxygen that causes hot gases to expand within the cylinders. Those gases drive the engine’s pistons, generating work, which — along with other key components — powers your vehicle.

In other words? Without fuel, the engine doesn’t work. And without a working engine, your car isn’t going anywhere. So, if you have an internal combustion engine in your car, you need gas.

And gasoline isn’t cheap. Happily, there are a number of easy ways to save on every fuel-up — perhaps the easiest of which is simply using the right credit card to pay at the pump. In the list below, we’ll present the best gas credit cards available today. You can click the links in this section to go to the No. 1 pick for each category, or you can further explore each section to see which card may be best for you.

• Best Overall: Wells Fargo Propel American Express® Card
• Best for Cash Back: Bank of America® Customized Cash Rewards credit card
• Best for Rewards Points: Wells Fargo Propel American Express® Card
• Best from an Online Bank: Ally CashBack Credit Card
• Best Gas Station Co-Branded: ExxonMobil™ Smart Card
• Best Business Option: Ink Business Cash® Credit Card

But your options don’t stop there. While these are our top picks, tons of great credit cards with competitive gas rewards are available so you can save while keeping your internal combustion engine, well, combusting.

Overall | Cash Back | Points | Online Banks | Co-Branded | Business

With so many great options on the market, selecting the best credit card for gasoline purchases will likely not only require considering which card earns the most rewards on gasoline, but also which card will have uses outside the gas station.

Unitasker cards often aren’t worth the wallet space, at least not when you can find a card with a range of other useful bonus categories that can save on gas and the things that go with it — like parking or tolls — or family necessities, like grocery store purchases.

1. Wells Fargo Propel American Express® Card

This card rewards the two of things many of us spend the most on: travel and food. In addition to 3X points per dollar on gas purchases, you’ll get triple points on things like rideshares, homestays, and flights, as well as 3X points on dining out and ordering in.

• Receive 0% APR on new purchases and balance transfers for 12 months
• Earn 3x points on eating out and ordering in, gas, and travel
• Pay $0 annual fee

While this card operates on the American Express network, as its name implies, the card is issued by Wells Fargo. This means that the card is accepted anywhere that accepts American Express, but you’ll actually deal with Wells Fargo and log into your Wells Fargo account to pay your bill, use your rewards, and track your purchases.

(The information related to Wells Fargo Propel American Express® Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service. The Wells Fargo Propel American Express® Card is no longer accepting new applicants.)

2. Bank of America® Customized Cash Rewards credit card

at Bank Of America'ssecure website

EXPERT'S RATING

★★★★★

4.9

OVERALL RATING

4.9/5.0

Our Review »

• $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.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
• If you're a Bank of America 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 cash rewards don’t expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• 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.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR for 15 billing cycles for purchases	0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)	18.24% - 28.24% Variable APR on purchases and balance transfers	$0	Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

You’ll earn bonus rewards on gas, groceries, and wholesale clubs with this card when you choose gas as your 3% cash back bonus category. Choose a new bonus category each month to match your spending habits. Bonus rewards are limited to the first $2,500 in combined category purchases each quarter.

3. Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express makes waves for its generous cash back rewards for groceries, but it also offers an unlimited 3% cash back on purchases made at US gas stations. Plus, earn 3% back on select transit purchases.

• Earn 6% cash back at U.S. supermarkets (on up to $6k a year) & on select U.S. streaming services
• Earn 3% cash back on U.S. gas station and transit purchases
• Pay a $95 annual fee

Although this card has an annual fee, the signup bonus makes up for it for the first two years. Plus, the high rewards rates make it easy to earn back what you spend on the annual fee — and then some — after the signup bonus runs out.

Straightforward and easy to redeem, cash back rewards are the rewards of choice for those cardholders who don’t want to bother with points transfers or tricky miles redemptions.

Cash back cards come in all shapes and sizes, with options for year-round gas rewards, as well as rotating bonus category cards that offer high earnings rates during select quarters each year. Just remember, the more you can earn, the more likely there are to be limits on your bonus rewards.

4. Bank of America® Customized Cash Rewards credit card

at Bank Of America'ssecure website

EXPERT'S RATING

★★★★★

4.9

OVERALL RATING

4.9/5.0

Our Review »

• $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.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
• If you're a Bank of America 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 cash rewards don’t expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• 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.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR for 15 billing cycles for purchases	0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)	18.24% - 28.24% Variable APR on purchases and balance transfers	$0	Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

This card gives you the option to choose to earn 3% cash back on gas purchases, which means you can earn 9¢ of rewards per $3 gallon of gas, a solid rate much better than any old gas station card can offer. Your bonus rewards earnings will be capped at $2,500 in combined category purchases each quarter, but that’s still an awful lot of savings.

5. Discover it® Cash Back

at Discover Card'ssecure website

BEST OVERALL RATING

★★★★★

4.9

OVERALL RATING

4.9/5.0

Our Review »

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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. You could turn $150 cash back into $300.
• Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
• Redeem your rewards for cash at any time.
• 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 a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
• No annual fee.
• Terms and conditions apply.

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR for 15 months	0% Intro APR for 15 months	17.24% - 28.24% Variable APR	$0	Excellent/Good

This card offers bonus cash back in rotating categories each quarter, with at least one quarter seeing gas stations as a bonus category every year. Quarterly spending caps apply.

6. Chase Freedom Flex℠

This card is currently not available.

Best Overall Rating

★★★★★

N/A

OVERALL RATING

N/A

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	N/A	N/A	N/A

Additional Disclosure: The information related to Chase Freedom Flex℠ credit card has been collected by CardRates.com and has not been reviewed or provided by the issuer of this card.

Another rotating category card, this option also tends to offer at least one quarter — but sometimes two — of bonus cash back for gas station purchases each year. Paired with a decent signup bonus and no annual fee, this card is hard to pass up.

Although cash back rewards are often the easiest to redeem, many cardholders prefer rewards points for their flexibility and the ability to get more value with smart redemptions. Many of the most popular credit card rewards come in point form.

In general, points can be redeemed for everything from cash back and merchandise to free travel or exclusive experiences. So, with a good points card, every fuel purchase can bring you one step closer to the trip of your dreams.

7. Wells Fargo Propel American Express® Card

With triple points on nearly every form of travel, including the fuel you need to keep your combustion engine moving, this card can help you rack up points in no time. Moreover, the solid signup bonus can give your points a boost when you meet the spending requirement.

• Receive 0% APR on new purchases and balance transfers for 12 months
• Earn 3x points on eating out and ordering in, gas, and travel
• Pay $0 annual fee

It’s all topped off with no annual fee, a 0% APR offer, and a good signup bonus.

(The information related to Wells Fargo Propel American Express® Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service. The Wells Fargo Propel American Express® Card is no longer accepting new applicants.)

8. Citi Premier® Card

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

4.7/5.0

Our Review »

• Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
  Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	21.24% - 29.24% (Variable)	$95	Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

The Citi Premier® CardCiti Premier® Card will not only provide bonus ThankYou® points per dollar on your gas purchases, the card’s broad travel category means bonus points on hotel stays and air travel.

For traveling of all kinds, both international and domestic, this card is hard to beat.

9. PenFed Platinum Rewards Visa Signature® Card

The PenFed Platinum Rewards Visa Signature® Card offers a remarkable 5X points per dollar for gas station purchases with no limit on how many points you can earn.

• Earn 5X points per dollar on gas at the pump, 3X points per $1 on groceries
• Earn unlimited 1X points per dollar on all other purchases
• Pay no annual fee

Although you need to be a member of PenFed Credit Union to qualify for this card, there are several ways to become eligible for membership, including joining the National Military Family Association or Voices for America’s Troops for a small one-time fee.

In today’s world — where you can even have your groceries delivered to your front door — tedious chores, like going to the bank, are becoming a thing of the past. Online-only banks are not only more convenient, but they are often more affordable thanks to the low overhead associated with the lack of physical branches.

As more and more people recognize the benefits of online banking, we’re seeing online banks become real contenders in the consumer finance world, including boasting some truly competitive credit card offerings.

10. Ally CashBack Credit Card

The Ally CashBack Credit Card not only offers unlimited 2% cash back on gas station purchases, but you’ll also earn a 10% Ally Deposit Bonus for depositing your rewards into your Ally bank account.

• Earn unlimited 2% cash back on purchases at gas stations and grocery stores
• Earn unlimited 1% cash back on all other purchases
• Pay no annual fee

Another thing that helps this card stand out from its online bank competitors is the signup bonus, which is a competitive amount with an easily attainable spending requirement.

11. TIAA Rewards Credit Card

The TIAA Rewards Credit Card gives cardholders a choice of rewards, with the option to earn rewards points or cash back. Either way you go, you’ll get competitive rewards for gas station purchases.

• Earn 3X points per $1 or 3% cash back on eligible gas and grocery purchases
• Earn 2X points per $1 or 2% cash back at wholesale clubs
• Pay no annual fee

If you don’t already have an account with TIAA Bank, you’ll need to open a checking, savings, or investment account to apply for the rewards credit card. You can open a basic checking or savings account with a $25 deposit and avoid the monthly fee by maintaining a balance of at least $25 in your account.

12. Discover it® Chrome

at Discover Card'ssecure website

BEST OVERALL RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0

Our Review »

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
• Redeem your rewards for cash at any time.
• 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 a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
• No annual fee.
• Terms and conditions apply.

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR for 15 months	0% Intro APR for 15 months	17.24% - 28.24% Variable APR	$0	Excellent/Good

Although Discover is often considered for its role as a credit card network, the online-only Discover® Bank is the issuer for its eponymous credit cards. And, among its many offerings, is this card, which provides an elevated cash-back rate for fuel purchases year-round.

The first thing many think of when considering gas station rewards credit cards is the co-branded cards offered by your local petrol station. With tempting signage promising to save you a nickel or more for every gallon, it can be hard to determine the real value of these cards.

For the most part, your local gas station’s co-branded credit card won’t offer you the best per-gallon rewards. However, if you want a simple way to streamline your finances, track your fuel use, and free cards for each member of the family, then a gas station card may be a good fit.

13. ExxonMobil™ Smart Card

The ExxonMobil™ Smart Card offers a slightly higher than usual discount by offering 6¢ off per gallon on Exxon or Mobil gas purchases at over 11,000 stations.

• Earn 6¢ per gallon on eligible ExxonMobil gasoline purchases made with your card
• Use your card at more than 11,000 Exxon and Mobil stations
• Pay no annual fee

Although you can use your card to make non-fuel purchases, such as car washes or convenience store items, you won’t earn rewards on anything but gas.

(The information related to ExxonMobil™ Smart Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

14. Shell Drive for Five® Card

The Shell Drive for Five® Card offers the standard 5¢-per-gallon discount on gas purchases made at more than 5,300 eligible stations.

• Earn 5¢ per gallon on eligible Sunoco gasoline purchases made with your card
• Use your card at more than 5,300 Sunoco stations
• Pay no annual fee

Additional cards are available at no cost. As with most credit cards these days, you can manage your account online, making it easy to track your fuel purchases.

15. Sunoco Rewards Credit Card

The Sunoco Rewards Credit Card rewards your station loyalty with 5¢ off every gallon of Shell gas at more than 14,000 stations.

• Earn 5¢ per gallon on eligible Shell gasoline purchases made with your card
• Use your card at more than 14,000 US Shell stations
• Pay no annual fee

There is no limit on the number of discounted gallons of fuel you can purchase, and additional cards are free so you can share the savings with the entire family.

(The information related to Sunoco Rewards Credit Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

While many people envision busy airports and exotic destinations when they picture business travelers, it’s likely that far more business owners and employees travel for work by vehicle than they do by air.

On the plus side, business credit cards understand that the company car doesn’t run for free, and they offer competitive purchase rewards for every fill up. You’ll also receive other useful bonus categories like office supply purchases or shipping costs.

16. Ink Business Cash® Credit Card

at Chase'ssecure website

BEST OVERALL RATING

★★★★★

4.6

OVERALL RATING

4.6/5.0

Our Review »

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR on Purchases 12 months	N/A	18.49% - 24.49% Variable	$0	Good/Excellent

This card has quickly become one of the most popular business cards on the market, offering 5% cash back in several useful business categories, as well as 2% cash back on gas station and restaurant purchases.

17. American Express Business Gold Rewards

The American Express Business Gold Rewards allows cardholders to pick their 3X points rewards category from five options, one of which is US gas stations. Bonus rewards are limited to the first $100,000 in combined category purchases each year.

• Earn 3X points per $1 in a category of your choice and 2X points per $1 in remaining four categories
• Earn 1X point per $1 on all other purchases
• Pay no annual fee the first year, then $175

Keep in mind that this card isn’t a revolving credit card by default, meaning you’ll need to pay your balance in full each month unless you enroll in Amex’s Pay Over Time feature.

Although more and more modern vehicles are being powered by alternative fuels, the gas-powered internal combustion engine still reigns supreme as the most popular way to power a car. Which makes gas an absolute necessity for millions of people every day.

As with any everyday purchase, saving on gasoline can help nearly any family’s budget, which is likely why bonus rewards for gas purchases are a common offering among consumer cards, and an increasingly popular one for business credit cards.

But not all gas rewards are created equal. Unless you’re spending a veritable fortune on gas purchases, it may be worthwhile to choose a card with more utility than just what you get at the pump; the best way to get the most out of credit card rewards is to tailor your rewards cards to your spending habits — not the other way around.