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These are our top picks for the best credit cards for gas stations, no matter what type of rewards you want to earn.
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Gas stations are a major household expense for many people. Unfortunately, earning bonus points with travel rewards credit cards on gas purchases can be hard to come by – unlike transit passes or parking fees, gas is usually excluded from “travel” bonus categories. Still, whether you’re looking for travel rewards points or straight cash back, there are several options to choose from.
An important note: If you often buy gas at grocery stores or warehouse clubs (like Costco or Sam’s Club), read your credit card terms carefully as many cards do not offer bonus points for gas stations attached to these types of stores. In some cases, whether you earn bonus points or not may vary depending on how the individual location processes credit card charges.
Citi Premier Card
The newly revamped Citi Premier Card is working hard to earn a spot in your wallet. It earns 3x Citi ThankYou points at gas stations, as well as supermarkets, restaurants, airlines, and hotels. Those points can be transferred to 16 airline partners, or used to book travel directly through the Citi ThankYou travel website at a rate of 1.25 cents per point until April 9, 2021 (after that it goes down to 1 cent per point).
The card has no foreign transaction fees and a $95 annual fee. It also offers an annual $100 discount towards prepaid hotel reservations of $500 or more through the Citi ThankYou travel portal, easily offsetting the annual fee if you’re able to take advantage of the discount.
Pro tip: If you want to earn more Citi ThankYou Points and are willing to add on a second card without an annual fee, consider the Citi Double Cash Card. While this is marketed as a 2% cash back card—1% when you make the purchase and another 1% when you pay your card off—the rewards earned can be transferred to Citi’s transfer partners when this card is paired with a Citi Premier Card or a Citi Prestige Card.
Amex Everyday Preferred Credit Card
The Amex EveryDay Preferred Credit Card has an unusual incentive structure that can be very rewarding. It earns 2x Membership Rewards points at U.S. gas stations, 3x Membership Rewards points at U.S. supermarkets (up to $6,000 in eligible purchases per year), and 1x everywhere else.
If you use your card 30 times in a billing period, you’ll earn 50% bonus points, meaning you can earn up to 3x at gas stations and 4.5x at supermarkets if you make enough purchases with the card. Membership Rewards points can be transferred to 21 different airline and hotel partners, giving you maximum flexibility to use your points for travel.
The card has a $95 annual fee and a 2.7% foreign transaction fee.
Hilton Honors American Express Surpass® Card
The Hilton Honors American Express Surpass® Card earns 6x Hilton Honors points on purchases at U.S. gas stations. You’ll also earn 6x points on purchases at U.S. restaurants and U.S. supermarkets, 12x points at eligible Hilton properties worldwide, and 3x points everywhere else.
The card also offers complimentary Hilton Honors Gold status (enrollment required), and the ability to earn a free weekend night award if you spend $15,000 in eligible purchases on the card in a calendar year. It has no foreign transaction fees and a $95 annual fee. (Rates and fees)
Pro tip: If you want to earn Hilton Honors points without paying an annual fee, the Hilton Honors American Express Card offers 5x Hilton points at U.S. gas stations, restaurants, and supermarkets. It has a $0 annual fee (rates and fees)
Costco Anywhere Visa Card by Citi
The Costco Anywhere Visa Card by Citi is the most rewarding cash-back card for gas purchases, offering a whopping 4% cash back on your first $7,000 in gas purchases every year. The card has no foreign transaction fees and earns 4% cash back at gas stations worldwide, so it’s also great if you rent cars when traveling. The card also earns 3% cash back on restaurants and travel, 2% cash back on Costco purchases, and 1% cash back everywhere else.
The card has no annual fee, but requires a Costco membership, which costs $60-$120 per year. Cash back earned with the card is distributed once per year as a voucher, which you can exchange for cash at a Costco location (or spend on Costco merchandise in-store).
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express earns 3% cash back at gas stations. You’ll also earn 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year. 1% back thereafter), 6% cash back on select streaming services, 3% cash back on transit (including public transportation, rideshare, parking and tolls) and 1% cash back everywhere else.
The card has a $95 annual fee (rates and fees), so you should do the math to make sure that the rewards you’ll earn with this card are enough to offset that fee. It also has a 2.7% fee for foreign transactions. (rates and fees)
after you spend $3,000 in purchases on your new card within the first 6 months. Earn 20% back on Amazon.com purchases in the first 6 months of card membership, up to $200.
Annual Fee: $0 for your first year, then $95. | Terms Apply. | Rates & Fees.
Chase Cards Earning Ultimate Rewards That Can Be Combined
The no-annual-fee Ink Business Cash credit card offers 2% cash back (2x Ultimate Rewards points) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, as well as 5% cash back (5x Ultimate Rewards points) on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. (It earns 1% cash back everywhere else).
The no-annual-fee Chase Freedom Flex card normally offers a paltry 1% cash back (1x Ultimate Rewards point) on all purchases. However, each calendar quarter it offers a generous 5% cash back (5x Ultimate Rewards points) on up to $1,500 in purchases in select categories – and gas stations are consistently included for one quarter of the year.
If you have any two of the above Chase credit cards that earns Ultimate Rewards points, you can combine the rewards earned from one of the lower earning cards by transferring the points earned on it to one of the higher-earning cards and redeem them directly for travel through the Chase Travel website at a rate of 1.25 or 1.5 cents per point, depending on which card you have, or transfer them to airline and hotel partners.
after you spend $500 in the first 3 months. Plus earn 5% cash back on up to $12,000 spent on grocery store purchases in your first year (excluding Target and Walmart).
after you spend $500 in the first 3 months. Plus earn 5% cash back on up to $12,000 spent on grocery store purchases in your first year (excluding Target and Walmart)
Discover it Cash Back Card
The Discover it Cash Back card earns 1% cash back everywhere, but each calendar quarter you can earn 5% cash back on purchases in select categories, up to $1,500 in purchases.
Discover consistently includes gas stations in at least one of its quarterly categories (April-June for the last two years). The card has no annual fee and no foreign transaction fees, making it a useful card to hold on to even if you only use it for the rotating 5% categories.
There are many great credit card options out there, but depending on what you spend money on, some may be a better choice than others. These are our top picks for the best credit cards for gas stations, no matter what type of rewards you want to earn.
Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.