Best Overall

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Rating as a Gas Card
4.8
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
Full Review
Apply Now
On Citi's Website
Current Offer

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases. Plus 1 mile for every $1 spent on other purchases.
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    The Citi AAdvantage Platinum Select Mastercard World Elite is our choice for best overall gas rewards credit card. That's because in addition to its rewards on American Airlines flight purchases, it offers 2 miles per dollar on all gasoline spending. And, while 2X rewards on the gas category may not seem that impressive, we estimate that American Airlines miles are currently worth an average of 2.32 cents each, giving gas purchases an average return of over 4.6% - which is actually quite impressive. That, plus the other benefits of this card make it an excellent primary card to carry if you want to earn award flights on American Airlines.

  • PROS & CONS

    Pros

    • Generous 50,000-mile one-time bonus after spending $2,500 in the first 3 months of account opening
    • Strong 2 miles per dollar rewards on flight purchases
    • No annual fee the first year

    Cons

    • Limited lucrative options for rewards
    • Maximizing rewards value requires savvy—and probably an international destination
  • HIGHLIGHTS
    • Get 50,000 miles after making $2,500 in purchases during the first 3 months of account opening.
    • Earn a $125 American Airlines credit if you make at least $20,000 in purchases during your cardmembership year and renew your card.
    • Pay no foreign transaction fee.
    • Get a free checked bag on domestic American Airlines itineraties for you and four companions on your reservation.

Best for Hotels

Hilton Honors American Express Surpass Card

Rating as a Gas Card
4.7
Hilton Honors American Express Surpass Card
Full Review
Apply Now
On American Express' Website
Current Offer

Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass(R) Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.74% variable
Annual Fee $95
Rewards Earning Rate Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. 6 points per $1 for eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. 3 points per $1 for all other eligible purchases.
Balance Transfer Fee None
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    The Hilton Honors American Express Surpass Card is our choice for the best hotel card that offers gas rewards because of its generous and unlimited 6X points per dollar on U.S. gas station purchases and the value of Hilton Honors points. It also offers 6X points on purchases at U.S. restaurants and U.S. supermarkets so it can be an excellent primary for those who want to leverage these major spending categories along with Hilton purchases (at 12X points per dollar) to earn award nights with the hotel chain. There is a $95 annual fee but that should be easily justified by its bonus rewards on spending.

  • PROS & CONS

    Pros

    • Lucrative one-time bonus
    • Excellent rewards rates across all categories

    Cons

    • Most rewarding for Hilton hotel guests
    • No introductory APR for purchases or balance transfers
    • High minimum spending requirement to earn the bonus
  • HIGHLIGHTS
    • Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass(R) Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
    • Earn 12 points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio
    • Earn 6 points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.E
    • Earn 3 points on all other eligible purchases.
    • Enjoy complimentary Hilton Honors Gold status.
    • Earn a Free Weekend Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.

Best for Rewards Points

PenFed Platinum Rewards Visa Signature® Card

Rating as a Gas Card
4.6
PenFed Platinum Rewards Visa Signature® Card
Full Review
Apply Now
On PenFed Credit Union's Website
Current Offer

$100 statement credit when you spend $1,500 in the first 90 days.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 13.49% - 17.99% variable
Annual Fee $0
Rewards Earning Rate Earn 5x back at gas stations, 3x back on groceries, and 1x back on all other purchases.
INTRO BALANCE TRANSFER APR 0% for 12 Months
Balance Transfer Fee A 3% balance transfer fee applies to each transfer.
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    The PenFed Platinum Rewards Visa Signature is our best gas credit card for rewards points because of its rich, ongoing and unlimited 5X points earnings on all gasoline purchases. The card also provides bonus earnings on grocery purchases with a base rate on all other purchases plus a $100 statement credit after meeting initial spending requirements. PenFed Credit Union membership is required for approval.

  • PROS & CONS

    Pros

    • Excellent rewards on gas and grocery purchases
    • Low ongoing APR

    Cons

    • Membership is required
    • Restrictive redemption program
    • Unexceptional one-time offer
  • HIGHLIGHTS
    • $100 statement credit when you spend $1,500 in first 90 days.
    • 5x points on gas at the pump and 3x points on groceries.
    • 1x points on all other purchases.
    • No annual fee and no foreign transaction fee.

Best for Wholesale Clubs

Costco Anywhere Visa®

Rating as a Gas Card
4.5
Costco Anywhere Visa®
Full Review
Apply Now
On Citi's Website
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 15.24% variable
Annual Fee $0 with your paid Costco membership
Rewards Earning Rate 4% cash back on eligible gas for the first $7,000 per year; 3% on restaurants and eligible travel purchases; 2% on all other purchases from Costco and Costco.com; 1% on all other purchases.
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    The Costco Anywhere Visa tops our list among wholesale club credit cards that offer gasoline rewards. With its 4% cash back rewards on gasoline up to $7,000 per year cardholders can earn and apply significant rewards to apply to future Costco purchases. The Costco Anywhere Visa is available at no annual for existing Costco members, otherwise a $55 annual Costco membership fee is charged upon approval.

  • PROS & CONS

    Pros

    • Outstanding rewards on gas
    • Comparable restaurant and travel rewards to top travel rewards cards
    • Rewards not limited to Costco spending
    • No annual fee with a paid Costco membership

    Cons

    • Limited cash back redemption options
    • Card membership linked to a paid Costco membership
    • Cap on gas rewards
  • HIGHLIGHTS
    • 4% on eligible gas, including gas at Costco for the first $7,000 per year and then 1% thereafter
    • 3% on restaurants and eligible travel purchase worldwide
    • 2% on all other purchases from Costco and Costco.com
    • 1% on all other purchases
    • No matter where life takes you, experience no foreign transaction fees on purchases.
    • Plus, there's no annual fee with your paid Costco membership.

Best for Business Gas Rewards

Marriott Bonvoy Business™American Express® Card

Rating as a Gas Card
4.5
Marriott Bonvoy Business™American Express® Card
Full Review
Apply Now
On American Express' Website
Current Offer

Earn 75,000 Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.74% variable
Annual Fee $125
Rewards Earning Rate Earn 6X points for every $1 spent at participating Marriott Bonvoy hotels, 4X points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. purchases for shipping, and 2X points everywhere else.
Cash Advance APR (%) 25.24%
Cash Advance Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
  • WHY WE CHOSE THIS CARD

    We chose the Marriott Bonvoy Business American Express Card as the best business gas rewards card due to its ongoing and unlimited 4X points earnings at U.S. gas stations and the excellent per-point value of Marriott Bonvoy points when redeemed toward hotel stays. This card can be a good pick for small-business owners who spend a significant amount on gas each month and can further augment their earnings through Marriott stays, which earn 6X points.

  • PROS & CONS

    Pros

    • Outstanding rewards on Marriott stays and select spending
    • Complimentary Marriott Bonvoy Silver Elite status
    • Bonus night on card anniversary

    Cons

    • Dismal rates on non-Marriott redemptions
  • HIGHLIGHTS
    • Receive 1 Free Night Award every year after your Card account anniversary.
    • Complimentary Marriott Bonvoy Silver Elite Status
    • 6X points for each dollar of eligible purchases at participating Marriott Bonvoy hotels.
    • 4X points for each dollar of eligible purchases at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers & on U.S. purchases for shipping.
    • 2X points on all other eligible purchases.

Best for Cash Back

Blue Cash Preferred® Card from American Express

Rating as a Gas Card
4.4
Blue Cash Preferred® Card from American Express
Full Review
Apply Now
On American Express' Website
Current Offer

Earn a $250 statement credit after you spend $3,000 or more in eligible purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 23.99% variable
Annual Fee $95
Rewards Earning Rate Earn 6% back at US supermarkets (on up to $6,000 per year in purchases), 6% back on select U.S. streaming subscriptions, 3% back on eligible transit and US gas stations, and 1% back on other purchases.
INTRO PURCHASE APR 0% for 12 Months
Balance Transfer Fee None
Foreign transaction fee (%) 2.7%
  • WHY WE CHOSE THIS CARD

    The Blue Cash Preferred Card from American Express is our choice for best gas card offering cash back rewards due to its unlimited 3% earnings at U.S. gas stations - allowing you to fuel up at the retailer of your choice. Many rewards credit cards cap their bonus points or cash back on gasoline purchases so this is a good option for those that want to maximize earnings in this category. There is a $95 annual fee but this can be easily justified with regular spending across its bonus categories.

  • PROS & CONS

    Pros

    • Outstanding 6% cash-back rewards at U.S. supermarkets up to $6,000 per year in spending and on select U.S. streaming services
    • Generous $250 bonus offer for spending $1,000 in the first 3 months of card membership
    • 0% introductory APR for 12 months on purchases and for balance transfers initiated within the first 60 days of account opening

    Cons

    • $95 annual fee, where many cards in this category have none
    • 2.7% foreign transaction fee
    • Cashback rewards on groceries are capped, and some wholesale and superstore chains excepted
    • American Express isn't as widely accepted as Visa or Mastercard outside of the U.S.
  • HIGHLIGHTS
    • Receive a $250 statement credit after spending $1,000 in purchases within the first 3 months.
    • You may be elgible for an instant card number, allowing you to earn cash back before you card arrives in the mail.
    • Your cash back is earned in the form of American Express Reward Dollars that can be redeemed as a statement credit.
    • $95 annual fee.

What Is a Gas Credit Card?

A gas credit card allows a cardholder to earn points, cash back, or discounts on gasoline purchases—either with specific gasoline retailers or at any gas station, depending on the type of card.

What are the Different Types of Gas Credit Cards?

Gas credit cards come in two main types: co-branded cards that are offered by partnering banks and oil companies and general rewards cards from the major card issuers. Co-branded gasoline credit cards offer rewards or per-gallon discounts on gas purchases from specific chains, such as BP or ExxonMobil. By contrast, general rewards credit cards with a gasoline rewards component allow cardholders to earn points or cash back wherever they buy gas. In addition to gasoline-related rewards, general rewards credit cards typically offer bonus rewards on other purchase categories or at least pay a base rate on all other purchases, making them a better all-around deal for the consumer.

Pros
  • Compelling rewards for gas purchases.

  • Often provide bonus rewards for other spending categories.

Cons
  • Interest rates can be higher.

  • Per gallon discounts may mean less return if gas prices increase.


How Should You Use a Gas Credit Card?

Whether you're using a general rewards card with a gas rewards bonus or a co-branded gas credit card, it's important to put all your eligible gasoline purchases on that card. It’s also imperative to pay your balance in full each month, as the interest rates these cards charge can often dwarf any rewards you'll earn.

For the average American, gasoline purchases account for more than 3% of annual household spending, or nearly $2,000 a year, according to the U.S. Bureau of Labor Statistics. With the right rewards card, this spending can be leveraged to potentially save hundreds of dollars a year. Gas prices tend to rise and fall with supply and demand and geo-political forces, but commuting costs are always an unwelcome part of most people’s monthly expenses. Gas credit cards can help offset part of the pain of getting to and from work, or add to the pleasure of vacation road trips.

So, whether your gas rewards credit card gives you a discount of a certain number of cents off per gallon, a fixed percentage in cash back, or bonus points on the total when you fill up your tank, remembering to use it consistently at the pump will yield the most value. And, if your rewards card provides bonus earnings on other categories of spending (like groceries or travel), it could work as your primary card for all transactions. To maximize the value of a gas card, or any rewards credit card, it’s important to shift as much spending as possible from cash, check, and debit card transactions to the rewards credit card. That way you can earn some level of cash back or points on every transaction.

What is the Best Way to Compare Gas Credit Cards? 

As mentioned, there are several varieties of credit cards with gasoline rewards. Most major gasoline retailers have signs or even take-one applications in their stations for their co-branded credit cards, and credit card issuers often send out or advertise promotions for their own gas rewards cards. So you're likely to have any number of cards to choose from.

To know whether you might qualify for a particular card, it's useful to know your credit score. If you don’t already know your score, there are free resources online where you can obtain it. Most rewards credit cards require good or excellent credit, but there are options for those with fair or even bad credit.


Once you have an idea of which cards you could probably qualify for, consider your buying habits. Do you patronize a particular gas station brand more than the others? If so, that company's co-branded card could make sense for you. That's especially true with major companies like ExxonMobil or Shell, which have large national footprints and are likely to have stations wherever your travels take you. But compare your potential savings with that card to what you might get with a general rewards card that's less restrictive in where you can use it. Bear in mind, though, that some general rewards cards that offer generous bonus cash back or points exclude gasoline sold at big box warehouse stores like BJ’s, Costco, or Sam’s Club. Others restrict their bonus rewards to U.S. gas stations only.

Ultimately, the best way to compare cards is to run the numbers on how much you could earn based on each card's rewards program and the amount of money you typically spend on gas each year.

Some co-branded gas rewards credit cards offer per-gallon discounts, such as 10 cents off each gallon. While those kinds of discounts may seem attractive when gas prices are low, they are worth less on a percentage basis when gas prices rise. For that reason, a card with a fixed percentage of cash back or points based on the dollars you spend could be a better deal.

How Can You Maximize Gas Rewards Earnings?

The best way to maximize your earnings on a gas rewards card is to always use it when you buy gasoline or any other related purchases that qualify for bonus rewards. If you're using a co-branded gas card that provides rewards only at a specific retailer, try to patronize that retailer as often as possible and consider pairing that card with another one that offers rewards on all your other spending.

If you have a general rewards card that provides bonus cash back or points on gasoline category purchases, you're free to fill up anywhere—but make sure you know if the card excludes the gas pumps at certain major retailers, such as Walmart or Costco. General rewards cards typically make a good primary card to use for all your purchases and often include bonus rewards for other spending categories like groceries or dining. So, beyond maximizing rewards on gas purchases, a general rewards card can optimize earnings across multiple spending categories, resulting in greater rewards in total.

Carrying a balance on any credit card can be expensive, and that's especially true with gas rewards credit cards, which often have high interest rates. Interest charges can quickly offset any rewards you earn, so it's important to pay your balance in full each month.

Who Is Best Suited for a Gas Credit Card?

Gas credit cards are best suited for people who spend a fair amount of money each month on gas, such as anyone with a long daily commute. People who live in downtown urban areas and don’t drive much—or who don’t even own a car—will get more value from other types of cards.

About Our List of Gas Credit Cards

Investopedia pledges to provide exhaustive and objective information about all credit cards offered in the United States. Reviews and rankings are created by our editorial team independently and impartially, without regard to any financial relationships Investopedia may have with credit card issuers or their affiliates.

Methodology

Information Gathering

In order to track and assess the U.S. domestic credit card market, we gather scores of data points on nearly 300 cards. This data is collected manually from both card-issuer websites and publicly available sources.

To ensure that our information is as up-to-date as possible, we deploy automated tools to monitor changes in such key data as annual percentage rates, introductory rates, introductory periods, bonus offers, rewards earnings rates, fees, and card benefits. We then rapidly make any needed updates to our card listings, reviews, and recommendations to ensure that readers have the most reliable information and advice.

Initial Scoring

Once we collect credit card data we organize it in our database according to features, which roll up into feature sets (such as rewards, interest, fees, benefits, and security/customer service). Each individual card feature is assigned a star rating score on a 1 to 5 scale using a prescribed formula. For instance, for a one-time bonus score we would use a formula like: If bonus is $500 or greater, then assign a score of 5; if $300-$499, then 4; and so forth.

Weighting of Scores

When all of a particular card’s features have received a score, we apply a weighting factor to each feature to arrive at a weighted average score for that card (according to the general category in which it resides, such as balance-transfer).

This weighting process allows us to assign significantly more emphasis to the attributes important to a particular category and downplay those that are less relevant to it. That lets us objectively identify cards that stand out in their category and indicate why they do. For example, for balance-transfer cards we apply significantly higher weight to such key category attributes as interest rates or fees than to travel-specific features such as airport lounge access or primary rental car insurance, which might be more strongly considered for other categories, such as travel-rewards cards.

Earnings Rates

Another critical factor we consider when rating and ranking rewards cards is the cards’ effective earnings rates. We first calculate the average value of points or miles for all the rewards cards in our database, a painstaking process that entails collecting all airline fare data by carrier across scores of popular domestic and international city-pairs, along with per-night hotel charges at all major hotel brands.

The required points and miles for air travel or hotel stays from the various reward programs are then used to calculate an effective earnings rate for each card. That allows our readers to make the most informed choices. By putting a card’s large one-time bonus or earnings rates into context across many dimensions and card features, readers can more readily weigh the card’s benefits relative to its costs. Uncovering the true but often opaque redemption value of rewards points or miles is, we feel, the only reliable way to make cogent choices among competing value-based cards.

Card Features We Score

As mentioned in our methodology explanation, we place significant weight on certain features in determining our ratings for each rewards card. Specifically, we place over 50% of our overall assessment score on the combination of the following factors:

  • Value of any one-time bonus, whether in points or miles.
  • Initial card spending required to earn any bonus.
  • Redemption value of the bonus miles or points.
  • Global card acceptance, as detailed by the four card networks (Visa, Mastercard, American Express, and Discover).
  • Options to redeem points or miles with travel partners, both airline and hotel.

Another consideration is the cards’ coverage, if any, in these travel-related areas:

  • Car-rental collision insurance, whether primary or secondary.
  • Travel accident insurance.
  • Lost or delayed luggage insurance.
  • Insurance for trip cancellation, interruption, or delay.
  • Cell phone loss or damage coverage.
  • Roadside assistance and towing.
  • Emergency travel medical/dental benefits.

General, non-travel related features that we consider and score include:

  • Interest rates, including both introductory and regular APRs for purchases and balance transfers.
  • Fees, including those for annual membership, late payments, cash advances, and foreign transactions.
  • Security/customer service features.
  • Other non-travel benefits, such as access to credit scores, ID theft protection, and contactless payment capability.

How We Reach Our Final Assessments

We rely primarily on the objective scores created by our rating algorithms to determine which card is chosen as the best in each category or subcategory.

However, we may make some adjustments from time to time, to both features and weightings that could affect rankings, based on subjective input from our credit card experts. Any potential modifications will be consistent with Investopedia’s belief that consumers are best served by cards that:

  • Provide superior value in earning awards.
  • Charge reasonable interest rates in the event that cardholders carry a balance from month to month.
  • Charge fewer and/or more reasonable fees.
  • Provide solid customer service, based on the number and quality of customer service features.
  • Have helpful and protective security features.