The Ultimate Guide to Credit Cards
Wednesday, September 28, 2022

Prepaid Gas Cards For 2022

Prepaid Gas Cards

credit card advice

Eric Bank

Written by: Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on CardRates.com, Eric has appeared regularly on Credible.com, eHow, WiseBread, The Nest, Get.com, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

See full bio »

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

See full bio »

Reviewed by: Ashley Dull

Ashley Dull

With more than a decade of experience as a content manager and marketer, Ashley has specialized in finance coverage since 2015. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media campaigns. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among others.

See full bio »
Advertiser Disclosure

Prepaid gas cards, as well as gas credit cards, have long fascinated me. I love to read the signs above the fuel pumps touting all the free gallons I’ll earn by signing up for the latest gas card. And so do millions of others, judging by the popularity of fuel card ownership throughout the United States. 

In this article, we’ll clarify the different types of gas cards and help you choose the one that suits you best.

Best Prepaid Cards For Gas Purchases

These prepaid debit cards help reduce the money you spend at the pump. They do so through cash back rewards or immediate discounts that can add up to significant coinage over the course of a year. 

You don’t need a bank account or credit score to get these, and you’ll never have to worry about a late or overdraft fee. You don’t have to provide much personal information to apply for these cards.

Walmart MoneyCard® Review

at the issuer’ssecure website

  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Get $20 this season when you make two new direct deposits of $500+ by 6/30/22.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
    *Please see site for full terms and conditions.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

Additional Disclosure: Walmart MoneyCard® is a debit card offer.

The Walmart MoneyCard® offers cash back rewards on fuel purchases at Walmart gas stations. The rewards on this card have an annual cap, and you receive them at the end of 12 monthly periods in which you paid your monthly fee or had it waived. 

The monthly fee is low, and the card allows you to cash checks and make withdrawals at Walmart stores for free. This card carries the Mastercard International Incorporated logo and is accepted everywhere debit Mastercard is welcome.

Brinks Prepaid Mastercard Review

at Republic Bank & Trust Company’ssecure website

PREPAID RATING

★★★★★

4.8

OVERALL RATING

  • Brink’s gives you the peace of mind you deserve. Securing cash and valuables since 1859.
  • With Brink’s Direct Deposit, you can get paid faster* than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the Brink’s Money Prepaid Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply.)
  • *Card issued by Republic Bank & Trust Company, Member FDIC. Card may be used everywhere Mastercard Debit cards are accepted. “Apply Now” for full details.
  • See additional Brink’s Prepaid Mastercard® Details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fees
Not applicable

The Brinks Prepaid Mastercard is a top-rated, general-purpose prepaid card that provides cash back rewards through Payback Points. The card awards one point per dollar spent on signature purchase transactions. 

When paying at the pump, the merchant may preauthorize a purchase of $100 or more (thanks to rising gas prices). If Brinks declines the card, even though you have sufficient funds available, you can pay for your purchase with the cashier inside the station.

Shell Refillable Card Review

at the issuer’ssecure website

PREPAID RATING

★★★★

3.5

OVERALL RATING

  • Help manage your family budget with the Shell Refillable Gift Card. Choose your style and amount, and go!
  • Shell Gift Cards can be used to purchase gasoline, auto supplies, food/snacks, a car wash, and other items at more than 14,000 Shell stations nationwide.
  • Load up to $300 in value instantly online
  • Control and manage fuel purchases
  • No Expiration dates or dormancy fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
None
Not applicable

The Shell Refillable Card allows you to instantly load a card balance of up to $300 online without supplying much personal information. You can use this debit card to buy goods and services at any Shell location in the United States, excluding territories. That comes in handy during this era of erratic gas prices.

For pay at the pump rewards redemption, insert the card and follow the instructions. Pay at the pump may not be possible if your card balance is less than one dollar. If you are having difficulty, present the card inside the Shell store for payment. 

Serve® American Express® Prepaid Debit Account Review

at the issuer’ssecure website

PREPAID RATING

★★★★★

4.6

OVERALL RATING

  • Get rewarded with unlimited 1% Cash Back when you spend money in stores or online. The funds are available to add to your account as soon as the transaction settles with us, so you don’t have to wait to enjoy the rewards.
  • Unlike many other reward programs, you can decide when you use your cash back. You can apply it to your Account every day you earn it or keep it aside to save it for later.
  • You can withdraw your money without a fee at over 30,000 MoneyPass® ATM locations nationwide.
  • Can’t find your Serve card? No need to worry – you can quickly freeze it while you look for it and unfreeze it when you find it. And for extra reassurance, know you won’t be held responsible for fraudulent charges.
  • With Emergency Assistance, you can get select access to select emergency coordination and assistance services when you’re traveling more than 100 miles from home.
  • Amex Offers provide a range of offers – shopping, dining, and more – from places you love. It’s easy and free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
Not applicable

The Serve® American Express® Prepaid Debit Account pays unlimited cash back rewards when you spend money in stores, online, and at the pump. The funds are available to add to your account as soon as the transaction settles, so you don’t have to wait to enjoy the rewards. 

You can log in to the website to redeem your earnings for your next purchase. This prepaid card provides valuable benefits, including purchase and fraud protection, roadside assistance, and a range of Amex shopping and dining offers.

PayPal Prepaid Mastercard® Review

at The Bancorp Bank’ssecure website

PREPAID RATING

★★★★★

4.8

OVERALL RATING

  • Move money from your PayPal account to fund your prepaid card account.
  • Earn cash back and personalized offers, just for using your card.
  • With Direct Deposit, you can get paid faster than a paper check.
  • Card issued by The Bancorp Bank, Member FDIC. Card may be used everywhere Debit Mastercard is accepted.
  • Click PayPal Prepaid Mastercard® for additional features & program details, and to request a Card.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fee
Not applicable

The PayPal Prepaid Mastercard® is another great option to use for gas purchases because you’ll earn customized Payback Rewards on some of your everyday purchases. Rewards will be redeemed as cash back to your card account at the end of the following month.

Payback Rewards are customized to your spending. The more you use Payback Rewards, the more personalized offers you’ll receive, which means more chances to earn cash back. You can waive the monthly fee by setting up direct deposit to the account.

Best Credit Cards For Gas Purchases

These credit cards reduce your cost at the pump or earn cash back rewards that help take the sting out of gas prices. They’re a good alternative to prepaid debit cards for consumers with bank accounts. You can get them in two types: secured and unsecured.

Secured Cards Can Pay Rewards & Build Credit 

These cards prove you don’t need good credit to earn valuable credit card rewards. Unlike prepaid debit cards, secured credit cards let you build credit through timely payments. In return for a cash deposit, you get hassle-free access to credit cards that may be superior to the unsecured cards available for your credit rating.

SECURED RATING

★★★★★

4.8

OVERALL RATING

4.0/5.0
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • 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

The Capital One Quicksilver Secured Cash Rewards Credit Card provides tiered unlimited cash back on eligible purchases (including fuel purchases at the pump), with a high bonus rate on the hotels and rental cars you book through Capital One Travel. 

Your rewards don’t expire for the life of the account, and you can access them through a check, statement credit, gift card, or credits for previous purchases. You can also use your rewards to pay for flights, car rentals, and hotels.

SECURED RATING

★★★★★

4.6

OVERALL RATING

  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Unlimited 1% cash back on all other purchases
  • A minimum refundable security deposit of $200 (maximum of $5,000) is required to open this account
  • Access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
  • Optional overdraft protection option helps prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. Transfer fees may apply.
  • $0 Annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
25.49% Variable
$0
Bad/Limited

You can choose your favorite cash back merchant category, including gas stations, with the Bank of America® Customized Cash Rewards Secured Credit Card. You can manage your account and rewards online or through the bank’s mobile app. 

Your rewards gain up to 75% more redemption value if you qualify for Preferred Rewards by maintaining large combined balances in various BoA and Merrill Lynch accounts. That’ll pay for a lot of gasoline. 

Discover it® Secured Credit Card Review

at Discover Card’ssecure website

SECURED RATING

★★★★★

4.7

OVERALL RATING

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% Intro APR for 6 months
25.24% Variable APR
$0
New/Rebuilding

You don’t need a credit score to get the Discover it® Secured Credit Card, which provides bonus cash back rewards for purchases at gas stations and restaurants (capped quarterly) and a flat, everyday rate on all others. New cardmembers get a Cashback Match on all rewards posted during the first 12 billing cycles.

Gas station purchases include those made at merchants selling automotive gasoline you buy at the pump or inside the station. Gas stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible for the bonus rate.

Secured Sable ONE Credit Card

This card is currently not available.

Secured 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

You can get the Secured Sable ONE Credit Card without a credit check and earn tiered cash back rewards, redeemable on the Sable ONE mobile app as a direct deposit or by other means. There’s no annual fee, and any deposit amount is acceptable. 

Sable limits annual cash back rewards to applicable spending of up to $20,000 in a given year. It applies your cash back redemptions as statement credits, but they don’t apply to your minimum payment obligations.

Unsecured Credit Cards Pay the Best Gas Rewards 

You can use some unsecured gas credit cards everywhere, not just at the gas pump. Others are closed-loop fuel cards that can only be used at the issuing gas station network. None of these cards require a security deposit, but they will check your credit when you apply.

GAS REBATE RATING

★★★★★

4.8

OVERALL RATING

  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.24% (Variable)
$0
Excellent

Additional Disclosure: Citi is a CardRates advertiser.

The Costco Anywhere Visa® Card by Citi is only available to Costco members and pays a high cash back rate up to the annual limit on gas purchases made at Costco. There is no cap to the rewards you can earn.

Costco distributes reward certificates annually after February billing statements close. You can redeem the certificate for cash back or merchandise before the year’s end at any Costco warehouse. 

GAS REBATE RATING

★★★★★

4.7

OVERALL RATING

  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% – 26.99% (Variable)
$95
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

The Citi Premier® Card offers bonus rewards on several categories of spending, including purchases at gas stations. The rewards take the form of Thank You Points you can redeem for a direct deposit to your bank account or a credit to your statement balance. 

You can also use your points for shopping, travel, gift cards, and charitable contributions or transfer them to participating loyalty programs.

Exxon Mobil Smart Card+™ Review

at the issuer’ssecure website

GAS REBATE RATING

★★★★★

4.6

OVERALL RATING

  • Earn up to 42¢ off per gallon for your first two months after account opening
  • Apply for an Exxon Mobil Smart Card today, and if approved, enjoy two months of bonus savings after your account open date: Get 30¢ off every gallon of fuel at Exxon™ and Mobil™ stations
  • Save 12¢ per gallon on premium fuel, 10¢ per gallon on other fuel grades every day
  • Plus, get 5% back on the first $1,200 spent on non-fuel purchases per year, earned as a statement credit
  • Feel secure with $0 liability on unauthorized charges.
  • Access your funds at 200,000+ Cirrus ATMs. Cash advance fees apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
27.99% (Variable)
$0
Average, Fair, Limited

Additional Disclosure: 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.

The closed-loop Exxon Mobil Smart Card+™ saves you money at Exxon and Mobil gas stations. The signup bonus provides extra discounts during the introductory period. 

You also earn cash back on in-store purchases and car washes as a statement credit. The card provides $0 fraud liability on unauthorized charges and online account management to review costs and make or schedule payments.

Sunoco Rewards Credit Card Review

at the issuer’ssecure website

GAS REBATE RATING

★★★★★

4.5

OVERALL RATING

  • Fuel savings is just the beginning with the flagship Sunoco Rewards credit card. For a limited time only, save 25¢ on every gallon for 60 days after the account open date when you purchase at Sunoco stations.
  • After the first 60 days, save 5¢ off every gallon, every day
  • No limits or restrictions on the number of discounted gallons you buy
  • 24/7 online account management
  • Additional family cards at no extra cost
  • $0 Liability on unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
27.99% (Variable)
$0
Average, Fair, Limited

Additional Disclosure: (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.)

The Sunoco Rewards Credit Card provides a discount on every gallon of fuel you purchase from a Sunoco gas station. This closed-loop gas credit card may offer a signup bonus that increases the savings for the introductory period.

You increase your discount by using Sunoco’s Go Rewards app to purchase fuel. You can add family members to the account for free. This gas credit card provides nationwide ATM access, online account management, and $0 liability for unauthorized purchases.

What Is a Gas Card?

Gas cards provide benefits when you purchase fuel and other gas station products. They can be:

  • Cards that save money at the pump
  • Cards that give reward points or cash back for gas purchases
  • Cards that do both

The open-loop variety may be debit or credit cards that you can use for any type of purchase. Closed-loop cards are good only at the card-branded gas station and usually provide the steepest discounts per gallon.

Closed-loop cards are neither Visa debit cards nor carry the Mastercard International Incorporated logo because they use smaller payment networks.

What Is the Easiest Gas Card to Be Approved For?

Prepaid debit cards are the easiest to obtain, as you don’t need a bank account or credit score to get one. Three reviewed debit cards are open-loop and usable for any purchase. But the Shell Refillable Card is a closed-loop gift card that works only at Shell stations. 

Secured gas cards are also easily acquired. These are general-purpose credit cards that offer rewards for all types of purchases, including gas. Your security deposit is usually all you need to qualify for one of these cards.

Can You Gift Someone a Prepaid Gas Card?

Yes, several oil companies sell gift cards that recipients can use to pay for fuel and related purchases. You can get a Visa gift card from some sources and a Mastercard gift card from others. A gas gift card may be refillable, which would enable it to function similarly to a closed-loop prepaid debit card. 

Prepaid gas cards
Most oil companies sell gift cards that can be used for fuel and in-station purchases.

Shell, Exxon Mobil, Sunoco, and other oil companies have developed gas gift card offerings for consumers looking for the perfect gift. Some corporations sponsor gas gift card programs (in addition to ones for transit cards) for employees to manage fuel expenses. 

The popularity of gas gift cards is growing. For example, some Chicago residents can now apply for the city’s prepaid gas and public transit card lottery. The program gifts 50,000 prepaid gas cards that are preloaded with $150 each and 100,000 transit cards with $50 each to Chicago residents who win the lottery. 

Fill Your Tank, Save Money, Earn Rewards

If you drive a vehicle with an internal combustion engine, prepaid gas cards and gas credit cards offer you convenience, cost savings, and benefits. We imagine the next-generation fuel card will extend its reach to commercial electric recharging stations. 

You can get more information about any of the reviewed gas cards by clicking on the APPLY NOW links above, where you will be directed to the issuer’s official website. Be sure you understand each card’s costs and limitations before signing up for a gas card. Happy motoring!

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.