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13 Best Gas Credit Cards of May 2022

13 Best Gas Credit Cards of May 2022

With one of the highest available rewards rates for gas and generous rewards rates in several other categories, the PNC Cash Rewards® Visa® Credit Card is an easy pick for the best all-around gas credit card.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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Top gas credit cards of 2022

Best for gas and groceries

Blue Cash Preferred® Card from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

Best for cash back without categories

Citi® Double Cash Card – 18 month BT offer

On Citibank's Secure Website

Pick a card category:

Who should get a gas credit card?

If you're someone who is constantly driving, whether it's to and from work, for daily errands or anything else, you may want to invest in a gas credit card. If you're filling up your tank once or more per week it will certainly pay off to earn rewards and/or save money at the pump.

Gas is a regular purchase for many consumers and is one of the best categories for earning credit card rewards. The average American consumer spends about $2,000 per year on gas, according to data from the U.S. Bureau of Labor Statistics. With some of the best gas credit cards offering 3% to 5% cash back on gas purchases, you can easily earn $100 or more in rewards just by fueling up with the right card.

Compare the best gas credit cards of 2022

Card
Welcome Offer
Credit Needed
Annual Fee
Best overall
PNC Cash Rewards® Visa® Credit Card
Generic card art
Earn $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card. Offer available when applying through a link on a PNC.com page on which the bonus is offered.N/A$0
Not available on ValuePenguin
Groceries
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
$300 back after you spend $3,000 in purchases on your new Card within the first 6 months.660 - 850$0 introductory annual fee for the first year, then $95 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Cash back without categories
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
No bonus660 - 850$0
Apply Now
On Citibank's Secure Website
Compare all cards

Welcome Offer

Earn $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card. Offer available when applying through a link on a PNC.com page on which the bonus is offered.
$300 back after you spend $3,000 in purchases on your new Card within the first 6 months.

Credit Score Needed

N/A
660 - 850

Annual Fee

$0
$0 introductory annual fee for the first year, then $95 See Rates & Fees.
Not available on ValuePenguin
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website

Best gas credit card overall

PNC Cash Rewards® Visa® Credit Card

Generic card art
Not available on ValuePenguin

Earn $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card. Offer available when applying through a link on a PNC.com page on which the bonus is offered.

$0

14.24%-25.25% variable

N/A

  • $100 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening.
  • You’ll earn at least 1% cash back on purchases everywhere, every time. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.
  • Cash back is automatic – there’s no need to enroll or track rotating categories
  • 0% intro APR on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 14.74%-24.74%, based on credit worthiness.
  • No annual fee.

Pros

  • $0 annual fee
  • Intro APR on balance transfers of 0% for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening, then a 14.24%-25.25% variable Variable APR applies
  • High rewards rate on gas and other categories
  • Excellent sign-up bonus

Cons

  • High rewards rate is capped at $8,000 in combined purchases annually

Earn 4% cash back on gas station purchases (in-store and at the pump).

Verdict: The most rewarding card for gas station purchases

Of the gas station credit cards on this list, we feel the PNC Cash Rewards® Visa® Credit Card has the best gas rewards program of 2022. It comes with a valuable and easily accessible sign-up bonus: Earn Earn $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card. Offer available when applying through a link on a PNC.com page on which the bonus is offered. of a PNC Cash Rewards® Visa® Credit Card.

With a $0 annual fee and an intro APR on balance transfers of 0% for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening (followed by a 14.24%-25.25% variable Variable APR), this card's perks will benefit you beyond the gas station. This is also one of the best credit cards for gas and restaurants: Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time.

Maximize rewards: You'll earn rewards in the form of cash back, which you can redeem any time you have at least $25 in your PNC Cash Rewards account. Your cash back never expires as long as your account is open. Get your cash back as a statement credit or deposited into a qualifying PNC account.


wallet

Fuel Savings: $50.31 annually (based on a 30 mile round-trip, daily commute)


Best gas credit card for groceries

Blue Cash Preferred® Card from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

$300 back after you spend $3,000 in purchases on your new Card within the first 6 months.

$0 introductory annual fee for the first year, then $95

14.74%-24.74% Variable

660 - 850

  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Pros

  • Excellent cashback categories, including unlimited 3% cash back at U.S. gas stations
  • Intro APR of 0% on purchases for 12 months (14.74%-24.74% Variable APR thereafter)
  • Great welcome offer — Earn a $300 back after you spend $3,000 in purchases on your new Card within the first 6 months. (in the form of a statement credit)
  • Secondary rental car insurance
  • Access to the American Express Global Assist Hotline
  • Terms apply

Cons

  • $0 introductory annual fee for the first year, then $95
  • Gas stations must be located in the U.S. to qualify for the 3% cashback rate, and the card charges a foreign transaction fee of 2.7% of each transaction after conversion to US dollars. (you might consider other cards if you drive and have to fuel up frequently while abroad)
  • The 6% bonus on U.S. supermarkets is capped at $6,000 in purchases each year. After that, you will earn 1% cash back
  • Terms apply.

Verdict: High rewards rates in many everyday spending categories

The Blue Cash Preferred® Card from American Express is a great product for consumers who fill up their car regularly. This card is also great for families, who are likely to spend heavily in its bonus categories, especially U.S. supermarkets and streaming services. The card has a $0 introductory annual fee for the first year, then $95, which may be well worth it if you spend a lot on supermarkets and gas – you'll be able to earn hundreds of dollars per year in valuable cash back.

You'll earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Your rewards can easily be redeemed for statement credits to cover your purchases.

Maximize rewards: The best way to earn more cash back with this card is to focus on the categories where you earn the most, including at U.S. gas stations and U.S. supermarkets.

For rates and fees of Blue Cash Preferred® Card from American Express, please click here.


wallet

Fuel Savings: $37.73 annually (based on a 30 mile round-trip, daily commute)


Best gas credit card for cash back without spending categories

Citi® Double Cash Card – 18 month BT offer

On Citibank's Secure Website

$0

14.74% - 24.74% (Variable)

660 - 850

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Pros

  • Outstanding rewards rate: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Intro APR 0% for 18 months on Balance Transfers. After that, the APR will be 14.74% - 24.74% (Variable)

Cons

  • Few other notable features

Verdict: Simple cashback rewards for all purchases, including gas

The Citi® Double Cash Card is one of the market-leading cashback credit cards available. It’s a simple card that packs a punch with tangible cashback earning potential. The card lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

This provides a no-hassle experience, since you do not need to track spending categories like other cards — simply swipe and earn your 2% cash back. On the downside, while the cashback potential is endless, the card lacks additional features and benefits.

Maximize rewards: Because this card allows you to earn cash back on every purchase, the best way to maximize your rewards earning potential is simply to spend more on your card. The more you spend, the more you'll earn.


wallet

Fuel Savings: $25.15 annually (based on a 30 mile round-trip, daily commute)


Best gas credit card for Costco

Costco Anywhere Visa® Card by Citi

On Citibank's Secure Website

$0

15.99% (Variable)

720 - 850

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas 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
  • The standard variable APR for Citi Flex Plan is 15.99%. Citi Flex Plan offers are made available at Citi's discretion.

Pros

  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases
  • Bonus cash back on large purchase categories like restaurants and Costco.
  • $0 annual fee
  • 0% foreign transaction fees

Cons

  • No sign-up bonus
  • You must have a Costco membership to have this card. If your Costco membership is canceled, your card will become inactive a few months later; if this occurs, any remaining cash back will be forfeited
  • Your cash back comes in the form of a certificate once per year; if you cancel your Costco membership before you receive your certificate, you forfeit all your cash back

Verdict: The most rewarding card for frequent Costco shoppers

If you frequently visit your local Costco, the Costco Anywhere Visa® Card by Citi is a must have. While it is a Costco-branded card, you can use this credit card at any vendor that accepts Visa.

Maximize rewards: The most significant feature of the card is the 4% cash back (up to $7,000 per year) you can earn at gas stations worldwide. If maximized, that is $280 per year back in your pocket. And with the additional savings you could earn by filling up at Costco, this can amount to a great amount of cash back.


wallet

Fuel Savings: $50.31 annually (based on a 30 mile round-trip, daily commute)


Best for Wholesale club members

Sam's Club Mastercard

Generic card art
Not available on ValuePenguin

5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%), 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1% cash back, 3% back in Sam’s Cash on dining and takeout, 1% back in Sam’s Cash on other purchases

$0

14.90% or 22.90% variable

N/A

  • No annual fee
  • Annual cash back payout capped at $5,000
  • Doubles as your membership card

Pros

  • $0 annual fee
  • Decent sign-up bonus
  • Strong rewards rate on gas, dining and travel

Cons

  • Must already be a Sam's Club member to get this card
  • Can only redeem rewards once annually

Verdict: A great card for Sam's Club members who regularly fill up on gas

The Sam's Club Mastercard is a great gas credit card for consumers who are already Sam's Club members and who value a high earning rate on gas purchases. Cardmembers will earn 5% cash back on gas (on the first $6,000 per year, then 1%), 3% back on dining and travel, 1% back on other purchases.

This card provides a strong rewards rate not only for gas purchases, but for dining and travel as well, making it a valuable card for everyday use. There's no annual fee and new cardholders can earn a $30 statement credit when you open a new account and make $30 in Sam's Club purchases within 30 days.

Maximize rewards: In order to maximize your rewards with this card, you'll want to make sure to use your card for all your gas purchases (up to $6,000) in the first year. Because you can only redeem your rewards once annually, make sure you remain a Sam's Club member with an open account in good standing or you'll have to forfeit your rewards.


wallet

Fuel Savings: $62.89 annually (based on a 30 mile round-trip, daily commute). $300 annually if you purchase up to $6,000 in gas (rewards limit).


Best gas credit card with no annual fee

Blue Cash Everyday® Card from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$0

14.74%-24.74% Variable

660 - 850

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Pros

  • Great cashback earning opportunities with $0 annual fee
  • Valuable welcome offer – Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. (in the form of a statement credit)
  • Intro APR of 0% on purchases for 15 months (14.74%-24.74% Variable APR thereafter)
  • Secondary rental car insurance
  • Access to the American Express Global Assist Hotline
  • Terms apply

Cons

  • Only U.S. gas stations qualify for the 2% cashback bonus — not to mention, the card charges a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.; if you're planning on driving frequently while abroad, you might consider other cards
  • 3% cash back at U.S. supermarkets is capped at $6,000 in purchase per year (you only earn 1% cash back after that)
  • Terms apply

Unlimited 2% cash back at U.S. gas stations and select U.S. department stores

Verdict: Solid rewards rate on gas with $0 annual fee

If a no-annual-fee card with various spending categories is your preference, the Blue Cash Everyday® Card from American Express is a great product to choose. It’s very similar to the Blue Cash Preferred® Card from American Express, though without the annual fee ($0). It offers a lower rate of 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations. 1% cash back on other purchases. Terms apply. Redeem your cash back for statement credits to cover your purchases.

Maximize rewards: If you’re debating on either American Express Blue Cash cards, determine which offers a greater rewards potential by simply calculating your monthly expenses against the cashback earnings.

For rates and fees of Blue Cash Everyday® Card from American Express, please click here.


wallet

Fuel Savings: $25.15 annually (based on a 30 mile round-trip, daily commute)


Best gas credit card for rotating bonuses

Bank of America® Customized Cash Rewards credit card

Generic card art
Not available on ValuePenguin

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

$0

14.24% - 24.24% Variable APR

660 - 850

  • $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.
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category. 
  • No annual fee and no expiration on rewards. 
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days.  After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply.  A 3% fee (min $10) applies to all balance transfers.
  • 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.

Pros

  • 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
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • 0% Intro APR for 15 billing cycles for purchases (14.24% - 24.24% Variable APR thereafter)
  • $0 annual fee
  • Preferred Rewards members get 25% to 75% more cash back on every purchase

Cons

  • 3% and 2% categories limited to $2,500 in combined purchases per quarter (earn 1% cash back thereafter)

Verdict: Great option for earning gas rewards during months when you drive the most.

If you love the thought of earning bonus cash back on gas only during the months when you use the most gas, the Bank of America® Customized Cash Rewards credit card is worth a look. The card offers 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. You have the option to opt-in to a new 3% category each month.

This means, for example, you could select the gas category in time for your summer road trips and then opt in to online shopping in time for your holiday shopping spree. Since the card also offers a bonus on grocery purchases, it makes a fair grocery and gas card. One drawback: Your bonus purchases are limited to $2,500 in purchases per quarter. Still, this is a pretty generous limit compared to cards like the Blue Cash Preferred® Card from American Express, which caps your purchases at $6,000 per year.

Maximize rewards: In order to maximize your cashback rewards with this card, you'll want to pay attention to your spending habits and make sure you align your rotating categories accordingly. Note, the card is an even better deal for Preferred Rewards program members, who earn 25% to 75% more cash back on every purchase. Preferred Rewards members can earn up to 5.25% cash back on their choice category (including gas).


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Fuel Savings: $7.73 to $66.03 annually depending on your Preferred Rewards status (based on a 30 mile round-trip, daily commute)


Runner up: Best gas credit card for rotating bonuses

Chase Freedom Flex℠

On Chase's Secure Website

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$0

15.24% - 23.99% Variable

660 - 850

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom FlexSM card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Pros

  • High earning rate on gas
  • High earning rate across rotating categories
  • Valuable sign-up bonus
  • Low interest APR offer: 0% Intro APR on Purchases for 15 months from account opening on purchases and balance transfers. After the intro period, an APR of (15.24% - 23.99% Variable APR thereafter)
  • Valuable rotating bonus categories
  • $0 annual fee

Cons

  • High gas rewards rate is capped at $6,000
  • You have to remember to activate your rewards each category
  • Charges foreign transaction fees

Verdict

The Chase Freedom Flex℠ is one of our favorite cash back credit cards and happens to offer a stellar bonus for gas purchases in the first year: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

While these are incredibly high rewards rates, you'll need to make sure to activate your rotating categories each quarter.

Maximize rewards: In order to maximize your rewards with this card, you'll need to pay attention to the rotating quarterly categories and ensure you use your card for all your gas purchases (up to $6,000) in the first year.


wallet

Fuel Savings: $62.89 annually (based on a 30 mile round-trip, daily commute)


Best gas credit card for hotels

Hilton Honors American Express Surpass® Card

Generic card art
Not available on ValuePenguin

Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.

$95

15.99% to 24.99% variable

660 - 850

  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • 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.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.  
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
Automatic elite status

Pros

  • Earn generous points on everyday purchases, including U.S. restaurants, U.S. supermarkets and U.S. gas stations: 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. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
  • Earn free nights and elite status with qualified spending
  • Priority Pass™ Select membership (enrollment required)
  • Rental car insurance
  • Foreign transaction fees: None
  • Terms apply

Cons

  • Hilton Honors points have a low value per point
  • Only U.S. gas stations qualify for the 6X bonus — you might pick another card for purchasing gas abroad
  • $95
  • Terms apply

Earn 6 points per dollar on U.S. gas station purchases

Verdict: Excellent for earning points towards hotel stays every time you fill up your tank

The Hilton Honors American Express Surpass® Card is great for consumers interested in free hotel stays. It also happens to be a good choice for earning points on gas purchases — cardholders earn 6 points per dollar at U.S. gas stations. Hilton has more than 6,800 properties around the world, so finding a Hilton property to utilize your points likely won’t be an issue.

Maximize rewards: When you stay at Hilton hotels and book directly with Hilton, you can take advantage of your Hilton Honors Gold status (enrollment required). This Hilton Honors status level includes benefits like hotel room upgrades, hotel credits, fifth night free, bonus points on Hilton stays and more. Read our review.

For rates and fees of Hilton Honors American Express Surpass® Card, please click here.


wallet

Fuel Savings: $37.32 annually (based on a 30 mile round-trip, daily commute)


Best gas credit card for BP

BP Visa® Credit Card

Generic card art
Not available on ValuePenguin

30-day introductory offer when you open a new account and download the BPme app. That’s 25¢ off per gallon every time you fuel up with your BP Visa® Credit Card or BP Credit Card at participating bp and Amoco stations. Plus, an additional 5¢ off per gallon2 after loading your BP credit card into the BPme app and using it for fuel purchases. Sign up by downloading the BPme app right away.

$0

27.24%

N/A

  • Introductory Offer: Earn 25¢ off** per gallon For every $100 you spend with your BP Visa® Credit Card or BP Credit Card for the first 90 days your account is open (excluding non-BP gas stations)
  • 25¢ off per gallon for every $100 you spend at BP
  • 15¢ off per gallon for every $100 you spend for eligible groceries, dining and travel
  • 5¢ off** per gallon for every $100 you spend everywhere Visa® credit cards are accepted (excluding non-BP gas stations)
  • No annual fee

Pros

  • 30-day introductory offer when you open a new account and download the BPme app. That’s 25¢ off per gallon every time you fuel up with your BP Visa® Credit Card or BP Credit Card at participating bp and Amoco stations. Plus, an additional 5¢ off per gallon2 after loading your BP credit card into the BPme app and using it for fuel purchases. Sign up by downloading the BPme app right away.
  • Get 10¢ off per gallon on fuel purchases at participating bp and Amoco stations. Earn 3% cash back on grocery store purchases. Earn 1% cash back on purchases made everywhere else Visa credit cards are accepted (excluding bp and Amoco fuel purchases).
  • $0 annual fee

Cons

  • You're limited to BP, while other gas cards can help you earn rewards at other gas stations.

Verdict: The most rewarding card for BP

Those who frequently visit BP gas stations should consider applying for the BP Visa® Credit Card. Not only will you earn valuable cashback rewards on your gas purchases, but this card offers decent returns on groceries, too.

With the BP Visa® Credit Card, you'll Get 10¢ off per gallon on fuel purchases at participating bp and Amoco stations. Earn 3% cash back on grocery store purchases. Earn 1% cash back on purchases made everywhere else Visa credit cards are accepted (excluding bp and Amoco fuel purchases).

Maximize rewards: You have the ability to get automatic savings at the pump at any participating BP or Amoco station or redeem your rewards for statement credits. Read our review.


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Fuel Savings: $48.75 annually (based on a 30 mile round-trip, daily commute)


Best gas credit card for Shell

Shell | Fuel Rewards® Mastercard®

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Not available on ValuePenguin

Save 30¢/gal (up to 35 gallons*) on your first 5 Shell fuel purchases made by 6/30/2023. After that, save 10¢/gal every time you fill up. (New accounts only. Apply by 02/28/23.)

$0

26.49% variable

N/A

  • Save 10¢ per gallon when you fill up at Shell gas stations.
  • $0 annual fee
  • 26.49% variable APR

Pros

  • Excellent sign-up bonus
  • Earns significant rewards in multiple categories, not just gas
  • Easy to redeem rebates, which are automatically applied as a statement credit

Cons

  • You can only earn savings and rewards on gas purchases at Shell gas stations

Verdict: Great rewards for Shell purchases

If you consistently fill up your tank at Shell gas stations, the Shell | Fuel Rewards® Mastercard® is certainly worth considering. This card comes with a stellar sign-up bonus that allows cardholders to Save 30¢/gal (up to 35 gallons*) on your first 5 Shell fuel purchases made by 6/30/2023. After that, save 10¢/gal every time you fill up. (New accounts only. Apply by 02/28/23.)

The regular earning rate for the Shell | Fuel Rewards® Mastercard® lets you Save 10 cents per gallon on up to 20 gallons of gas. Plus, earn 10% in Shell rebates on your first $1,200 in non-fuel purchases per year, 2% in Shell rebates on dining and grocery store purchases each year (up to $10,000 in combined spending per year) and 1% in Shell rebates on all other purchases.

Maximize rewards: You will see rebates automatically applied as a statement credit against Shell purchases made with your card in future billing cycles.


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Fuel Savings: $51.65 annually (based on a 30 mile round-trip, daily commute)


Best gas credit card for business

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

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Not available on ValuePenguin

$300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.

$0

12.49% - 22.49% Variable APR on purchases

720 - 850

  • Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening – with no annual fee and cash rewards don't expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases.
  • You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • 0% Introductory APR on purchases for your first 9 billing cycles.  After the intro APR offer ends, a Variable APR that's currently 12.49% to 22.49% will apply.
  • Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
  • Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% on your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

  • Excellent sign-up bonus: Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
  • $0 annual fee
  • Intro APR of 0% Introductory APR on purchases for the first 9 billing cycles on purchases from account opening, then 12.49% - 22.49% Variable APR on purchases
  • Strong rewards rate
  • Easy to redeem rewards

Cons

  • Cap on earning potential
  • Can only change your choice category once per month

Earn 3% cash back on your choice of six categories including gas.

Verdict: Great rewards on business and gas spending

If you're looking for the best gas card for small business, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is an excellent choice. With this card you'll Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases

You can change your category once each month, or keep the same category. Because travel is one of the category options, we argue this card is also the best travel rewards credit card for gas.

Maximize rewards: You can earn up to 75% more cash back on every purchase if you have a business checking account with Bank of America and qualify for their highest Preferred Rewards for Business tier. That means you could earn up to 5.25% on your selected choice category, 3.5% on dining, and unlimited 1.75% cash back on all other purchases. Redeem your cash back as a deposit into your Bank of America checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don't expire.


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Fuel Savings: $7.73 to $66.03 annually depending on your Preferred Rewards status (based on a 30 mile round-trip, daily commute)


Best gas credit card for bad credit

Discover it® Secured Credit Card

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Not available on ValuePenguin

Discover will match all the cash back you’ve earned at the end of your first year.

See terms

See terms

540 - 669

  • No credit score required to apply.*
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line with your tax return 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Pros

  • Cashback Match from Discover: Discover will match all the cash back you’ve earned at the end of your first year.
  • Solid rewards rate on gas
  • Easy to get approved

Cons

  • No traditional sign-up bonus
  • Discover not widely accepted outside the U.S.
  • Cap on earning rates for gas and dining
  • Requires a deposit

2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.

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Verdict: Decent gas rewards and a stellar annual cashback match, especially for a secured card

The Discover it® Secured Credit Card is one of the best gas cards for bad credit, as well as college students without a strong credit history. This is one of the best easy approval gas credit cards — you only need a credit score of Limited/Bad/Poor to be approved, along with a refundable security deposit. Your credit line will equal your deposit amount, starting at $200.

Plus, you may be able to get your deposit back after seven months, when Discover begins automatic monthly account reviews to see if you qualify to convert to a standard, 'unsecured' card. Discover also reports your credit history to all three major credit bureaus, unlike most debit cards or prepaid cards.

Maximize rewards: One of the best features of this gas card is the Cashback Match program: Discover will match all the cash back you’ve earned at the end of your first year. If you use your card frequently but responsibly, this is a great card for earning rewards while building up your credit.


wallet

Fuel Savings: $20.00 annually (based on a 30 mile round-trip, daily commute)

How to choose a gas credit card

Choosing a gas credit card can be difficult. You'll want to consider the following points when determining which card is best suited for your needs

  1. Consider if you prefer to stick with one particular gas station brand or if you simply visit the cheapest station around. Note that choosing a credit card that's affiliated with one particular gas station brand can limit your earning potential. You're better off picking a general gas card so you can earn rewards whenever and wherever you decide to fill up.
  2. Determine if you want to earn rewards with your gas card. If you do, we recommend sticking with a gas card that also earns in other categories. For example, if you pick a card that earns 2X points on gas and groceries, your card becomes exponentially more useful, as you'll earn rewards not only on all your gas purchases, but in another major household spending category as well.
  3. Examine whether or not you want a card that rewards you for purchases other than gas.
  4. Think about what's most important to you in a gas credit card and choose one that aligns with your preferences and needs. These should include things like cost of card ownership, value of benefits like branded incentives, purchase protections, sign-up bonuses and more.
  5. Identify whether or not your credit score is high enough to be approved for a particular card, and how hard it is to get a particular gas card. If you're concerned you won't be accepted, consider one of our suggested easy approval gas credit cards instead. Be sure you can afford the annual fee (if any) and will be able to attain the sign-up bonus if one is offered. When used frequently and responsibly, gas credit cards can help improve your credit score, which is a valuable benefit if your score could use a boost.

Types of gas credit cards

Rewards cards

Cashback cards

Co-branded gas cards

Sign-up bonus cards

No annual fee cards

  • Many consumers simply want to save money on gas and visit the cheapest station around. A general rewards card that offers a bonus on gas purchases, like the Hilton Honors American Express Surpass® Card, is the best way to do just that. Keep in mind that some cards distinguish between U.S. gas stations and gas stations worldwide. So if you travel often and fuel up on gas in other countries, it is important to find a card that’ll give you rewards on those purchases.
  • *Some co-branded cards can only be used for gas purchases at that vendor.

Rewards cards

  • Many consumers simply want to save money on gas and visit the cheapest station around. A general rewards card that offers a bonus on gas purchases, like the Hilton Honors American Express Surpass® Card, is the best way to do just that. Keep in mind that some cards distinguish between U.S. gas stations and gas stations worldwide. So if you travel often and fuel up on gas in other countries, it is important to find a card that’ll give you rewards on those purchases.
  • *Some co-branded cards can only be used for gas purchases at that vendor.

Cashback cards

  • These cards earn cash back in various spending categories, such as the Costco Anywhere Visa® Card by Citi.

Co-branded gas cards

  • These cards are affiliated with a particular gas station brand and only earn cash back at their respective gas stations, such as the BP Visa® Credit Card.

Sign-up bonus cards

  • These cards offer a sign-up bonus once you're approved for the card, like the PNC Cash Rewards® Visa® Credit Card. A strong sign-up bonus can be a great way to get more value from your card.

No annual fee cards

  • These types of cards don't charge an annual fee, which can be very useful long-term. One great example is the Blue Cash Everyday® Card from American Express.

What are the benefits of having a gas credit card? ?

A gas credit card gives consumers bonus rewards (in the form of cash back or points) for their gas purchases and is essential to have if you regularly visit gas stations..

Pros

  • Discounts or rewards on gas purchases
  • More convenient to pay for gas with a credit card
  • Some cards offer sign-up bonuses, no annual fee, rewards in more spending categories and other perks
  • Can be helpful for building positive credit history when used responsibly

Cons

  • Some cards have a cap on earning rewards
  • Branded gas cards only reward for spending at specific gas stations
  • Gas cards tend to have high interest rates
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Why get a gas credit card?

If you regularly fill up your tank with gasoline, it's definitely worth getting a gas card. Why not earn cash back or rewards on the frequent gas purchases you'd be making anyway? A gas card rewards you for your regular spending. Plus, oftentimes gas credit cards also come with additional perks, like no annual fee, a sign-up bonus or rewards in other spending categories as well.

"The right gas credit card can save you real money at the pump. If you haven’t shopped around for one in a while, it’s a great time to consider doing so, since card issuers are ramping up rewards offers on many, many types of cards in 2021. Or if it has been a while since you checked to see what your current cards offer for gas rewards, it’s a good time to do that as well. Much has changed in the past year or so with credit card offers, but you might not have noticed if you haven’t taken the time to look."

Matt Schulz, Chief Credit Analyst at LendingTree

How to maximize a gas credit card

If you have a gas credit card, you'll want to make sure you're making the most of it and earning the most rewards possible with your card.

To start earning rewards, you'll need to follow these steps to use your gas credit card:

  1. Visit the pump
  2. Swipe card
  3. Fill your tank
  4. Earn rewards

Using a gas credit card is ideal to reach a specific goal like saving money or earning travel rewards to take a vacation.

Here are our tips for maximizing your gas credit card:

  • Plan ahead: Research which gas credit card will benefit you most long before you hit the road
  • Be aware of reward limits: Some of the cards above have limits on how many rewards you can earn at gas stations. If you spend a significant amount of money on gas each year, it may be best to avoid those cards.
  • Sign up for a gas station rewards program: You can sign up for a gas station rewards program to help you double-dip your savings. The best gas rewards programs include big gas brands, like BP or Shell, and will help you earn discounts on gas purchases.
bp app
BP mobile app
shell app
Shell mobile app

Frequently asked questions

What is the best gas credit card?

There are several great gas credit cards, so the best gas credit card depends on how much you spend on gas.

Is a gas credit card worth it?

If you drive a lot for work, or if you’re a constant road-tripper, getting a gas credit card is crucial. Since gas purchases add up quickly, you'll want a card that can offer high returns for these purchases. The best gas credit card will offer you returns on other daily purchases though, such as groceries or dining.

How do gas credit cards work?

If you own a credit card that rewards you for all gas purchases, you'll earn rewards at any gas station you visit. Meanwhile, if you own a card such as the Shell Drive for Five® Card, you'll only earn rewards on Shell purchases and receive rewards either in the form of gas discounts or cash back.

Which gas station has the best rewards program?

Major gas brands like BP, Sheetz and Shell offer a free rewards program,which gives members discounts or loyalty incentives. The best gas rewards program will depend on which gas station is available closest to you or offers the cheapest gas in your area.

What gas stations take credit cards?

Major gas station brands take credit cards, including Shell, Texaco, Chevron and more.

What is the best gas credit card for bad credit?

The Discover it® Secured Credit Card is the best gas credit card for poor credit, since you earn a high amount of cash back on your purchases without an annual fee, and you can use the card other places outside of gas stations. You will earn 2% cash back, up to $1,000, each quarter. Secured cards are typically easiest to get approved for if you have poor credit, making the Discover it® Secured Credit Card a good match as well.

Does Costco gas take credit cards?

Yes, Costco gas takes credit cards. However, only Visa and Mastercard.

Do gas stations take credit cards?

Yes, most gas stations take credit cards.

Is it safe to use a credit card at the gas pump?

There is a risk that your card could be skimmed by thieves when you use it at the pump. Fortunately, most credit cards come with fraud alerts and $0 fraud liability that protect you from fraudulent charges in case your card number is stolen. You can further reduce your risk by watching out for signs of skimming or even paying for your gas in the store (though your card can also be skimmed there).

Can I buy gas with just my credit card number?

There are a number of mobile apps, such as the Shell app, that will allow you to pay without a physical card.

How hard is it to get a gas credit card?

Most of the cards on this list require excellent credit. However, you can find gas cards like the Discover it® Secured Credit Card that are targeted to consumers with low credit scores.

Do gas cards help you build credit?

Many gas cards, including all the cards on this list, report to all three major credit bureaus, and so can help you build credit, provided you pay your card on time.

Do gas stations charge more for credit cards?

Some merchants may charge a processing fee for using a credit card. You should keep a close eye on your credit card statement for the terms "fee" or "surcharge."

Is there a credit card for gas only?

Yes, many major gas station chains – including Chevron, Shell and Texaco – have co-branded cards that can only be used at their gas stations (along with regular credit cards).

Should I use my credit card for gas?

As long as you pay off your bill at the end of the month, credit cards can be a secure and rewarding way to pay for gas purchases.

What is the easiest gas credit card to get approved for?

The easiest gas credit card to get approved for will most likely be a secured credit card. The Discover it® Secured Credit Card, for example, allows you to get approved with low or no credit history, though it requires a refundable security deposit when you apply.

Can I get a gas card with no credit?

Yes, you can get a gas card with no credit. We consider the Discover it® Secured Credit Card to be the best gas credit card for no credit.

What is the best gas card to improve credit?

The best gas card to improve credit will be a card with no annual fee, one that's easy to be approved for and doesn’t charge huge fees. When used responsibly, this type of card can be majorly beneficial for your credit. The Discover it® Secured Credit Card is the best gas credit card for fair credit and can help to improve your credit, too.

Who has the best gas card?

Though there are several great gas credit card deals available, we think the PNC Cash Rewards® Visa® Credit Card is one of the best fuel cards out there. It offers high rewards rates for gas spending, doesn’t restrict you to purchasing fuel from a single gas station brand and includes rewards in other spending categories — plus, it comes with some other useful perks, too.

What credit card has the best gas rewards?

We find the PNC Cash Rewards® Visa® Credit Card to be the best credit card for gas purchases because it has the best gas rewards for a flexible rewards card: Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time.

Does Costco sell gas cards?

Yes, Costco sells a Costco-branded gas card, the Costco Anywhere Visa® Card by Citi. You will need a Costco card to get gas.

What is the best credit card for gas rewards?

We think the PNC Cash Rewards® Visa® Credit Card is the best credit card for gas rewards. It offers 4% cash back on gas station purchases (in-store and at the pump) and grants high rewards in other spending categories, too. This card could even be considered the best gas credit card for RV travel, because the more you spend filling up your tank, the more you're rewarded.

Does ARCO have a gas credit card?

Yes, ARCO has two branded gas credit cards available. The ARCO credit cards are the ARCO Business Solutions Fuel Card and the ARCO Business Solutions Mastercard®.

Does Marathon have a gas card?

Yes. Marathon has two branded gas cards available, the Marathon Universal Card and Marathon Fleet Card.

Does Speedway have gas cards?

Yes, Speedway has a number of gas cards available. Speedway credit cards include the Speedy Rewards® Mastercard® and Speedway SuperFleet Mastercard®.

Recap of the best gas credit cards for May 2022

Methodology

What is the best gas credit card?

ValuePenguin's pick for the best gas card is the PNC Cash Rewards® Visa® Credit Card.

While the best gas credit card will depend on your personal driving habits and preferences, PNC Cash Rewards® Visa® Credit Card comes with a long intro APR offer and $0 annual fee. For consumers looking for a valuable gas credit card, PNC Cash Rewards® Visa® Credit Card can be a great option.

How we chose the best gas credit cards

We are constantly reviewing hundreds of credit cards across both ValuePenguin and major issuer platforms in order to compile a list of the best gas credit cards available in 2022. Our recommendations are based on a number of factors — including the rewards value in gas and additional spending categories, gas savings, cost of ownership and value of benefits such as branded incentives, purchase protections, sign-up bonuses and more. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

Fuel Savings:

Our rates have been calculated based on the following assumptions:

  • Average miles per gallon: 18
  • Daily Miles Commuted (to and from): 30
  • Annual Days in Office: 260
  • Total Annual Miles Commuted: 7,800
  • Total Annual Gallons Needed: 433.33
  • Total Annual Fuel Cost for Commuting: $1,257.72

For rates and fees of Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of Blue Cash Everyday® Card from American Express, please click here.

For rates and fees of Hilton Honors American Express Surpass® Card, please click here.

The information related to PNC Cash Rewards® Visa® Credit Card, Bank of America® Customized Cash Rewards credit card, BP Visa® Credit Card, Speedy Rewards® Mastercard®, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, Discover it® Secured Credit Card, ARCO Business Solutions Mastercard®, ARCO Business Solutions Fuel Card, Marathon Fleet Card, Speedy Rewards® Mastercard®, Speedway SuperFleet Mastercard®, Marathon Universal Card and Shell | Fuel Rewards® Mastercard® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).