Best Gas Credit Cards of October 2022 (Updated Monthly)
Best Gas Credit Cards of October 2022 (Updated Monthly)
The Sam's Club Mastercard is our favorite gas credit card - earn 5% cash back on gas purchases, saving you the most of any cards featured.
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.
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A gas card will help you compensate for 2022's drastic rise in gas prices (AAA finds that the average national gas price rose from $3.01 per gallon in May 2021 to $4.42 in May 2022 — a 47% increase).
The average American spends about $2,000 per year on gas, according to 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.
All fuel savings calculations based on a ~$2,000 annual gas spend per car.
Compare the best gas credit cards of 2022
Best for | Gas credit card | Earning rate | Cash back savings on your commute
?
| Annual fee | |
|---|---|---|---|---|---|
| Overall | Sam's Club Mastercard  | Earn cash back: 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 | $104.70 i | $0 | Card not available on ValuePenguin |
| Runner-up | PNC Cash Rewards® Visa® Credit Card | Earn cash back: 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. | $83.76 | $0 | Read Review |
| Costco | Costco Anywhere Visa® Card by Citi  | Earn cash back: 4% cash back on eligible gas and EV charging purchases 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 | $83.76 | $0 | Apply Now
On Citibank's Secure Website |
Best gas credit card overall
Sam's Club Mastercard
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
17.90% or 25.90% Variable APR
See website for details
- No annual fee
- Annual cash back payout capped at $5,000
- Doubles as your membership card
Cash back savings: $104.70 annually ($300 if you spend the allotted $6,000 annually) ?
- 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
- 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.
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. This card provides a strong rewards rate for dining and travel as well, making it a valuable card for everyday use.
Best gas credit card runner-up
PNC Cash Rewards® Visa® Credit Card
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
16.24% to 27.24% variable
See website for details
- $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 16.24% to 27.24%, based on credit worthiness.
- No annual fee.
Cash back savings: $83.76 annually ?
- Earn 4% cash back on gas station purchases (in-store and at the pump).
- Redeem rewards (cash back) any time you have at least $25 in your PNC Cash Rewards account.
- 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.
The PNC Cash Rewards® Visa® Credit Card has the best gas rewards program of 2022, because it earns a high rate of cash back on gas without a lot of restrictions. In fact, it's 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.
Best gas credit card for groceries
Blue Cash Preferred® Card from American Express
Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$95
16.99%-27.99% Variable
660 - 850
- Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 16.99%-27.99%.
- 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 It fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a fixed 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.
- 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.
- Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
- $95 Annual Fee.
- Terms Apply.
Cash back savings: $62.82 annually ?
- Earn 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), redeemable for statement credits.
- Focus on the categories where you earn the most, including at U.S. gas stations and U.S. supermarkets.
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 $95 annual fee, 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.
For rates and fees of Blue Cash Preferred® Card from American Express, please click here
Best gas credit card for cash back without spending categories
Citi® Double Cash Card – 18 month BT offer
$0
16.99% - 26.99% (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.
- For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, 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).
Cash back savings: $41.88 annually ?
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- 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.
The Citi® Double Cash Card – 18 month BT offer is one of the market-leading cash back credit cards available. It’s a simple card that earns a high rate of cash back on every purchase and doesn't require you to track spending categories like other cards. On the downside, the card lacks additional features and benefits.
Best gas credit card with no annual fee
Blue Cash Everyday® Card from American Express
$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$0
16.99%-27.99% Variable
660 - 850
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 16.99% to 27.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Get $7 back each month after using your Blue Cash Everyday® Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Cash back savings: $41.88 annually ?
- Unlimited 3% cash back at U.S. gas stations and select U.S. online retail purchases.
- 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 cash back earnings.
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. It offers a lower rate of 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% cash back on other purchases. Terms apply. Redeem your cash back for statement credits to cover your purchases.
For rates and fees of Blue Cash Everyday® Card from American Express, please click here
Best gas credit card for rotating bonuses
Bank of America® Customized Cash Rewards credit card
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$0
16.99% - 26.99% 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 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.99% - 26.99% 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.
Cash back savings: $62.82 annually ?
- Earn 3% cash back in a category of your choice, including gas
- 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).
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 a customizable 3% cash back feature that allows you to opt into a new bonus category (including gas purchases) each month. It also offers a bonus on wholesale club and grocery purchases, making it a valuable 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.
Best gas credit card for hotels
Hilton Honors American Express Surpass® Card
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.
$95
17.24% to 26.24% 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.
Cash back savings: $62.82 annually ?
- Earn 6 points per dollar on U.S. gas station purchases
- 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 Hilton Honors elite status guide.
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.
Best gas credit card for business
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
$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
15.24% - 25.24% Variable APR
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.
- Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 15.24% to 25.24% 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% in 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.
Cash back savings: $62.82 annually ?
- Earn 3% cash back on your choice of six categories including gas
- 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
- 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.
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. The card offers 3% cash back on a choice category each month, including gas 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.
Best gas credit card for bad credit
Discover it® Secured Credit Card
See terms
See terms
0 - 600
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit with responsible use.
- Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- 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 terms and conditions.
Cash back savings: $30.94 annually ?
- 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
- 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.
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. You only need a credit score of 0 - 600 to be approved, along with a refundable security deposit. Cardholders enjoy a great cash back rewards program, including bonus rewards on gas and restaurant purchases.
Co-branded gas credit cards
These cards are affiliated with a particular gas station brand and only earn cash back at their respective gas stations.
Costco Anywhere Visa® Card by Citi
$0
18.24% (Variable)
720 - 850
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Cash back savings: $83.76 annually ?
- Earn 4% cash back at Costco or any other gas station worldwide (up to $7,000 in purchases per year)
- If maximized, that is $280 per year back in your pocket.
- Get additional savings by filling up at Costco.
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.
Shell | Fuel Rewards® Mastercard®
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
28.74% variable
See website for details
- Save 10¢ per gallon when you fill up at Shell gas stations.
- $0 annual fee
- 28.74% variable APR
Cash back savings: $78.50 annually ?
- 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.)
- You will see rebates automatically applied as a statement credit against Shell purchases made with your card in future billing cycles.
If you consistently fill up your tank at Shell gas stations, the Shell | Fuel Rewards® Mastercard® is certainly worth considering. You can Save 10 cents per gallon on up to 35 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.
Link your AAdvantage and Fuel Rewards accounts and opt in to earn 2 AAdvantage miles for every gallon of fuel you buy.
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
Evaluate gas station proximity to determine if co-branded is a fit
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.
Decide to earn rewards on gas purchases only or rewards on other purchases
If so, there are plenty of gas cards that also earn 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.
Identify which benefits align with your needs
These should include things like cost of card ownership, value of benefits like branded incentives, purchase protections, sign-up bonuses and more.
Research whether or not your credit score fits the score needed range
How hard is it 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
Cash back
Co-branded
Sign-up bonus
No annual fee
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
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.
Cash back
These cards earn cash back in various spending categories, such as the Costco Anywhere Visa® Card by Citi.
Co-branded
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
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
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 if you regularly visit gas stations.
Pros
Cons
How to maximize a gas credit card
Using a gas credit card is ideal to reach a specific goal like saving money on your commute or earning travel rewards to take a vacation.
- 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.
- Use your gas card to activate your rewards:
- Visit the pump
- Swipe card
- Fill your tank
- Earn rewards
- 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.
"The right gas credit card can save you real money at the pump, and with gas prices spiking everywhere, that’s never been more important than it is today. If you haven’t shopped around for a new gas card in a while, it’s a great time to consider doing so. Otherwise you might be leaving money on the table, and with everything getting more expensive by the day, that’s the last thing anyone needs to do."
Frequently asked questions
There are several great gas credit cards, so the best gas credit card depends on how much you spend on gas.
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.
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.
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.
Major gas station brands take credit cards, including Shell, Texaco, Chevron and more.
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.
Yes, Costco gas takes credit cards. However, only Visa and Mastercard.
Yes, most gas stations take credit cards.
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).
There are a number of mobile apps, such as the Shell app, that will allow you to pay without a physical 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.
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.
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."
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).
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.
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.
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.
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.
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.
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.
Yes, Costco sells a Costco-branded gas card, the Costco Anywhere Visa® Card by Citi. You will need a Costco card to get gas.
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.
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®.
Yes. Marathon has two branded gas cards available, the Marathon Universal Card and Marathon Fleet Card.
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 October 2022
- Best overall: Sam's Club Mastercard
- Best runner-up: PNC Cash Rewards® Visa® Credit Card
- Best for groceries: Blue Cash Preferred® Card from American Express
- Best for cash back without spending categories: Citi® Double Cash Card – 18 month BT offer
- Best for no annual fee: Blue Cash Everyday® Card from American Express
- Best for rotating bonuses: Bank of America® Customized Cash Rewards credit card
- Best for hotels: Hilton Honors American Express Surpass® Card
- Best for business: Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
- Best for bad credit: Discover it® Secured Credit Card
Co-branded
- Best for Costco: Costco Anywhere Visa® Card by Citi
- Best for Shell: Shell | Fuel Rewards® Mastercard®
Methodology
All fuel savings calculations based on an average $2,094 annual spend on gas per car, cited by the U.S. Bureau of Labor Statistics in 2019. 2020 data (the most recent data available) shows a 7% drop in gas spend due to lack of travel during the covid-19 pandemic.
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.
National average gas price: https://gasprices.aaa.com/
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
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, Shell | Fuel Rewards® Mastercard®Sam's Club Mastercard, Hilton Honors American Express Surpass® Card and Shell Drive for Five® Card 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).