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Best Gas Credit Cards of 2019

Whether you're looking to cut the cost of road trips or your daily commute to work, the right credit card can help you save money on all your gas purchases. For most people, we recommend the Wells Fargo Propel American Express® Card for its excellent 3X points on gas station purchases with no annual fee.

Recommended Cards

Best ForCredit NeededAnnual Fee
Wells Fargo Propel American Express® Card
Wells Fargo Propel American Express® CardMost peopleExcellent$0 (See Rates & Fees)
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American ExpressFamiliesGood/Excellent$95 (See Rates & Fees)
Chase Freedom®
Chase Freedom®Infrequent driversExcellent/Good$0
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by CitiWholesale ShoppersExcellent$0*
BP Visa® Credit Card
BP Visa® Credit CardGas StationsExcellent$0

Continue reading below for a detailed look at the benefits and features of each card. You can also head to our credit card comparison tool at the bottom of the page to see which cards work for your budget and travel goals.

Best Gas Credit Card Overall

The Wells Fargo Propel American Express® Card is our favorite credit card for buying gas due to its 3% rewards rate on gas, rideshares and transit. This is one of the best rewards rates for buying gas, especially for a card without an annual fee. The card also earns 3X points per dollar on eating out and ordering in, flights, hotels, homestays, car rentals and streaming.

Versatile Rewards Categories

Aside from earning points on gas, the Wells Fargo Propel American Express® Card is a great card for its multiple bonus categories. You'll have the opportunity to earn 3X bonus points on most travel and transit expenses, plus you don't have to pay an annual fee. Most other credit cards with a rewards rate this high have annual fees upward of $100.

Excellent Welcome Offer

The welcome offer on the Wells Fargo Propel American Express® Card is outstanding for a no-fee card. You'll earn 30,000 bonus points after spending $3,000 on eligible purchases in the first three months of account opening. Those points are worth $300 when redeemed for cash.

For rates and fees of the Wells Fargo Propel American Express® Card, please click here.

Best Gas Credit Card for Families

On American Express' Secure Website

Blue Cash Preferred® Card from American Express

On American Express' Secure Website
Get $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $200 back in the form of a statement credit.
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$95
*Rates and Fees
APR
15.24%-26.24% Variable
Credit Needed
Excellent, Good

The Blue Cash Preferred® Card from American Express is our top gas credit card pick for families due to its excellent earning rate on supermarket and gas station purchases. You'll earn 3% cash back at U.S. gas stations and 6% cash back at U.S. supermarkets, up to $6,000 per year on purchases, then 1%.

Rewards on Common Household Expenses

For families with high gas and grocery expenses, the Blue Cash Preferred® Card from American Express will earn you the highest rewards. The 3% back at U.S. gas station ties with the Wells Fargo Propel American Express® Card for best on this list—and the 6% on U.S. supermarket purchases (up to $6,000) is unrivaled. This is a great card if, like most families, you have high gas and grocery expenses.

Annual Fee Worth It for Most Families

The Blue Cash Preferred® Card from American Express has a $95 annual fee (See Rates & Fees), but it's easy to make that back in rewards. Consider that the card's welcome bonus, which requires spending $1,000 in the first three months, earns you a $200 statement credit. This can offset the card's annual fee for the first two years. Plus, you'll only need to spend $200 at supermarkets each month to break even on the fee each year.

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

Best Gas Credit Card for Infrequent Drivers

On Chase's Secure Website

Chase Freedom®

On Chase's Secure Website
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Annual Fee
$0
APR
17.24% - 25.99% Variable
Credit Needed
Excellent/Good

The Chase Freedom® is best for people who drive more seasonally and don't mind keeping track of rotating bonus categories to maximize the value on their card. Freedom cardholders earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter they activate. This sometimes will include gas station purchases.

Rewards Capped After $1,500 in Spending

Rewards on the Chase Freedom Unlimited® are capped at $1,500 in combined category spending—so you'll have to monitor your spending if you're looking to maximize your rewards. To get the best value out of the Chase Freedom®, use it for the bonus categories and supplement with a no-annual-fee 1.5% cash-back credit card like the Chase Freedom Unlimited®.

Best Wholesale Club Gas Credit Card

On Citi's Secure Website

Costco Anywhere Visa® Card by Citi

On Citi's Secure Website
  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 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*
  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 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*
Annual Fee
$0*
APR
17.49%* (Variable)
Credit Needed
Excellent

If you shop at Costco, the Costco Anywhere Visa® Card by Citi may be the best credit card for you, since it combines a great gas rewards rate of 4% with some of the lowest gasoline prices per gallon. This is in addition to all the savings you'll find inside Costco stores—which other gas rewards credit cards just don't have.

Rewards Across All Gas Stations

You'll earn 4% cash back on purchases at any gas station, so long as it's not another wholesaler. Beyond that, you can also earn 3% cash back on restaurant and travel spending and 2% back on Costco purchases. Note that gas rewards are restricted to the first $7,000 in purchases per year.

Best Gas Station Credit Card

BP Visa® Credit Card
BP Visa® Credit Card

BP Visa® Credit Card

BP Visa® Credit Card
BP Visa® Credit Card
  • 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
  • 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
Annual Fee
No Annual Fee
APR
27.24%
Credit Needed
N/A

The BP Visa® Credit Card is an excellent card to keep in your wallet for more than just gas. With this card, you'll earn 5% cash back at BP gas stations; 3% cash back on grocery, dining and travel purchases; and 1% cash back on all other purchases (excluding non-BP gas stations).

Decent Welcome Bonus but High APR and Fees

The card also comes with a solid welcome bonus: For the first 90 days, the 5% rate applies to all purchases (excluding non-BP gas stations). The major downside of the BP Visa® Credit Card is all the fine print. It has a high annual percentage rate (27.99%) and high late fees, and the points expire after 12 months. Be sure to read all the card agreements carefully before applying for it.

Compare Gas Credit Cards

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To get the best gas rewards credit card, you'll want to maximize the gas rewards rate and have the ability to earn rebates when paying for gas. Here are a few factors to consider when deciding how to earn the most gas rewards, and therefore, find the best gas credit card for you.

Find the Right Type of Gas Credit Card

There are three types of cards that reward gas purchases: co-branded gas credit cards, cash-back credit cards, and generic travel and rewards credit cards. Which one works best for you depends on your preferences or financial needs. Here are the key details of each.

Co-branded Gas Credit Cards

These cards are co-branded with a gas company such as BP, Shell or Chevron and typically offer the best rewards on gas purchases at their respective stations. They generally also don't charge an annual fee. But use this card as a supplemental credit card in your wallet. That's because the rewards rates for other purchases, such as groceries and restaurants, aren't as rewarding as other cards. You also can only use points you earn with these cards for discounts on gas purchases. Other card types have more flexible rewards redemption options.

Cash-back Credit Cards

Cash-back cards give money back on each purchase and come with a fixed cash-back rate or a rate on rotating categories. Cards with a fixed cash-back rate offer one cash-back rate on all purchases, such as 1.5% on every purchase. Cards with rotating categories cards give cash back for certain types of purchases that change each quarter. For instance, a card could provide 5% back for grocery purchases from January to March and then on gas from April to June. But the cash-back rate on purchases outside the rotating categories typically isn't as generous. Chase, Discover and U.S. Bank all offer rotating-category cards. Cash-back credit cards are a good option if you want simple rewards redemption options and a higher rewards rate for everyday purchases.

Generic Travel and Rewards Credit Cards

These cards typically reward points for purchases that can be redeemed for cash back, flights, hotel stays or statement credits. You'll typically get the best value if you use points for travel-related expenses. It's important to note that these cards don't generally consider gas purchases as travel purchases. Unless the card specifically lists gas stations as an awards category, you should expect to earn just 1 point per dollar spent. Generic travel rewards cards are best if you want to maximize your rewards value and have the most flexible rewards redemption. You'll also receive a higher rewards rate for entertainment, travel and restaurant purchases.

Co-branded vs Generic Travel and Rewards Credit Cards

Deciding between a co-branded and generic rewards credit card to maximize your gas purchases depends largely on where you consistently fill up. If you frequent a certain gas station chain, then a brand-specific credit card might make sense. Look for a card that offers 3% gas rebates or higher, because that's what general credit cards typically provide for gas rewards. Some gas cards can only be used at the chain's locations, limiting how much you can earn. Others cap gas rebates each month or quarter. Generally, you won't earn rewards at other stations and you'll earn just 1% on other purchases.

If you fill up at the cheapest or closest station, then a general rewards credit card is best for you. You can maximize your gas spending no matter where you refuel. But consider any caps on gas bonuses if you spend a lot on gas each month.

Consider How Much You Spend

Most gas credit cards don't charge an annual fee, but some do. Don't automatically write off credit cards with annual fees because they, at times, can deliver a better value. It usually depends on how much you spend. If you charge more than $12,000 a year on your card, the rewards you earn could offset the annual fee. But if you spend less than that, it's probably best to stick to a card with no fee. Don't forget to consider sign-up bonuses and other card perks that may be worthwhile and compensate for the annual fee. Try using our comparison tool above to compare the net rewards value per card, given your spending.

Alternatively, try this calculation: Multiply how much you spend annually by the card's rewards rate. Then, deduct the annual fee from the estimated value to get a card's net worth. Compare that with a 1.5% cash-back card with no annual fee. Multiply your annual spending by 1.5% to find out which card is the best option. Here are three scenarios.

Annual Spending

Card A Net RewardsCard B Net RewardsWinner
$5,000(2% x $5,000) - $50 = $50(1.5% x $5,000) = $75Card B
$10,000(2% x $10,000) - $50 = $150(1.5% x $10,000) = $150Tie
$15,000(2% x $15,000) - $50 = $250(1.5% x $15,000) = $225Card A

What Cards Can You Qualify For?

Credit requirements for gas credit cards vary widely. Some cards are easier to qualify for, while others—such as rewards cards with higher annual fees—require excellent credit with a long credit history. If your credit score is good or you have a shorter credit history, it may be harder to qualify for some of these cards. If you have average or poor credit, your choices are limited and you should be more selective.

Most credit cards explain how to earn rewards as points per dollar spent or a percentage of cash back on all purchases. But gas cards show how much money is discounted on every gallon, such as 10 cents off per gallon for every $100 you spend at the gas station. These rewards are usually capped at some limit, such as 20 gallons.

This can make comparing gas credit cards to other cards challenging. Is it better to get 10 cents off per gallon or 1.5% cash back? To simplify, here's how to get a rewards rate for a gas credit card for easier comparison.

Method A: When the card provides a discount on gas for every $100 spent

Take the previous example of 10 cents off per gallon for every $100 spent on gas. If you buy 16 gallons, you'll save about $1.60 ($0.10 x 16). The rewards rate is equal to your savings divided by how much you spent to earn that savings, or $1.60 / $100 = 1.6%. You can compare that to a 1.5% cash-back card. In this case, the gas station card offers a higher rewards rate. Rebates offered by these cards often are single-use, meaning you forfeit any unused rewards. For example, if you get 15 cents off per gallon on up to 20 gallons but only use 10 gallons, then you lose the discount on the remaining 10 gallons.

Method B: Gas credit card that provides a discount on every gallon

Some gas credit cards provide you a rebate or statement credit every time you fuel up. The rewards rate on these cards is always tied to the price of gas. For example, if you get 5 cents off every gallon, when a gallon of gas costs $2.51, your rewards rate is equal to $0.05 / $2.51 = 2%.

Paying With Cash vs Credit

Some gas station owners offer a discount if you pay with cash instead of a credit card to avoid paying a fee that Visa, Mastercard and other payment networks charge merchants. It's possible you'll save more money paying with cash than getting the rebate offered by your gas credit card. If the credit card surcharge is more than your rewards rate, consider paying cash to save.

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, Amazon Business American Express Card, and Marriott Bonvoy Brilliant™ American Express® Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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.

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® Card 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).