Whether you commute to work, spend your day chauffeuring kids to various activities, or love to get out on the highway for road trips, fuel expenses can add up. Why not get rewarded handsomely for weekly trips to the fuel pump. 

The best gas credit cards can put cash back in your pocket or earn rewards you can redeem for free travel. If you're ready to save money and earn rewards for gas purchases, this guide will help you choose the best gas credit card for you.

What to Look for in a Gas Credit Card

Most rewards credit cards will earn points or cash back for gas purchases. But some credit cards put a premium on gas purchases with higher rewards rates and other perks. 

So if you are looking specifically to earn rewards on your gas purchases here are some factors to consider when choosing a gas credit card.

Rewards Rate for Gas Purchases

One of the first things to look for when picking a gas credit card is the rewards rate earned on gas purchases. Almost all rewards cards earn at least one point or 1% cashback on gas purchases, but the best cards offer much higher rates. 

Redemption Options

It's great to earn high rates at the fuel pump, but it's also about how you can use your rewards. 

Look for a credit card that allows you to use your points the way you want, whether that's getting cash back, booking free travel, or transferring them to partner loyalty programs. 

Spending Caps and Restrictions

Pay close attention to the fine print when looking at rewards rates. Some gas credit cards place caps on how much spending is rewarded each quarter or annually. Other cards combine gas with other spending categories that are capped. 

Where you fuel up matters too with some cards. Most cards exclude gas purchases made at 
gas stations attached to supermarkets or wholesale clubs, like Costco and Bjs.

Annual fees 

Paying an annual fee can cut into your rewards balance. Be sure to weigh the fee versus what the card offers in rewards and other perks. 

There's nothing wrong with paying an annual fee if the credit card offers value that exceeds the cost of the fee. 

Best Credit Cards for Gas Purchases

Earn rewards and save money with a gas credit card. Below are our top picks for the best gas credit cards for consumers and small business owners. 

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express earns high rewards rates at U.S supermarkets and gas stations. Frequent Amazon shoppers will love the 20% back welcome offer included for the first six months and $200 cash back after hitting this Amex card's spending requirements. 

Highlights

  • $95 annual fee, waived for the first year

  • Earn 20% back on Amazon.com purchases for the first six months, up to $200 total

  • Earn $200 cash back after you spend $3,000 on the card in the first six months.

  • 6% cash back on up to $6,000 in purchases at U.S. supermarkets annually

  • 6% cash back on select U.S. streaming services

  • 3% cash back at U.S. gas stations

  • 3% cash back on select transit expenses

  • 1% cash back on all other purchases

  • Car rental loss and damage insurance on all rentals booked with the card

  • 2.7% foreign transaction fees

Who This Card is Best For

This credit card is best for individuals who spend considerable money on groceries and gas and prefer statement credit over other redemption options. 

Apply for the Blue Cash Preferred Card from American Express

Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards Credit Card is a no-fee cash back card that rewards cardholders with its highest rewards rate in a category of their choice. We're guessing you'll use it on fuel purchases, but other options include online shopping, dining, travel, drug stores, or home improvements and furnishings. 

Highlights

  • No annual fee

  • Earn $200 cash back after you spend $1,000 on your card in the first 90 days 

  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement and furnishings

  • 2% cash back at grocery stores and wholesale clubs

  • 1% cash back on all other purchases

  • 3% and 2% rates are on the first $2,500 combined spending between those categories each quarter, then 1% after

  • 0% introductory APR offer for 15 months (less for balance transfers)

  • 0% APR on balance transfers made within 60 days of opening your account

  • 3% foreign transaction fees 

Who This Card is Best For

Individuals who like the idea of getting to choose their highest rewarded spending category.

Apply for the Bank of America Customized Cash Rewards Credit Card

Hilton Honors Card

The Hilton Honors Card from American Express not only rewards fuel purchases and other popular spending categories, but also comes with a sizable signup bonus and automatic Hilton Honors Silver status. 

Highlights

  • No annual fee

  • Earn 100,000 Bonus Points after you spend $1,000 on your card in the first three months

  • Earn an additional 50,000 points after you spend $5,000 total on your card in the first six months

  • 7x points on eligible purchases at hotels and resorts in the Hilton portfolio

  • 5X points at U.S. gas stations

  • 5X points at U.S. supermarkets

  • 5X points at U.S. restaurants

  • 3X points on all other purchases

  • Car rental loss and damage insurance on all rentals booked with the card

  • No foreign transaction fees

Who This Card is Best For

Frequent travelers who prefer to stay at Hilton hotel properties. 

Apply for the Hilton Honors Card.

Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa® Card by Citi is one of the only credit gas credit cards that reward gas purchases at Costco. The card is only available to Costco members but earns great rewards on fuel and Costco purchases.

Highlights

  • No annual fee with a paid Costco membership

  • 4% on eligible gas purchases, including at Costco, for the first $7,000 per year, then 1% after that

  • 3% on restaurants and eligible travel purchases

  • 2% on all other Costco and Costco.com purchases

  • 1% on all other purchases

  • Damage and theft protection on select purchases made with the card if the item is damaged or stolen within 120 days of purchase (90 days for NY residents)

  • No foreign transaction fees

Who This Card is Best For

Costco customers who want to earn cash back on Costco gas purchases. 

Apply for the Costco Anywhere Visa Card by Citi

Citi Premier® Card

The Citi Premier® Card is a rewards credit card featuring a large signup bonus, rewards for spending in some of the most popular categories, including gas, and a $100 discount on one eligible hotel stay each year. 

Highlights

  • $95 annual fee

  • Earn 80,000 bonus points after you spend $4,000 on your card in the first three months

  • 3X points at gas stations, restaurants, supermarkets, on air travel, and hotels

  • 1X points on all other purchases

  • $100 annual hotel savings on select bookings made through Citi ThankYou rewards program

  • No foreign transaction fees

Who This Card is Best For

Individuals who want to redeem rewards points for free travel, gift cards, and online shopping. 

Apply for the Citi Premier Card.

Ink Business Cash® Credit Card

With the Ink Business Cash® Credit Card, small business owners aren't exempt from earning rewards for spending at the fuel pump. The card earns high rates for gas purchases and other spending categories crucial to running a small business like office supplies and phone service. 

Highlights

  • No annual fee

  • Earn $750 bonus cash back after you spend $7,500 on your card in the first three months

  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services annually

  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants annually

  • 1% cash back on all other purchases

  • Complimentary employee cards 

  • Car rental loss and damage insurance on all rentals booked with the card

  • 3% foreign transaction fees

Who This Card is Best For

Small business owners who want to earn cash back rewards for spending without paying an annual fee.

Apply for the Ink Business Cash Credit Card

What is the Difference Between a Gas Card and a Gas Credit Card

There are two types of gas credit cards. Our list focuses specifically on credit cards that reward you for fuel purchases. There are also gas station cards, which are co-branded credit cards offered by gas companies like Shell, Marathon, and Exxon.

Gas station credit cards also reward you for gas purchases, but typically with a gallon-based discount each time you fuel up. Depending on the card, the amount is deducted directly at the pump or received later as a statement credit. 

The ExxonMobil Smart Card, for example, saves cardholders six cents per gallon of fuel purchases. The discount is applied instantly at the pump. The card also comes with a signup bonus of 30 cents off per gallon for the first two months -- six cents off at the pump and another 24 cents in the form of a statement credit. 

The better option between a gas station credit card and a gas credit card depends on what they offer in terms of rewards or discounts. 

Summary

Most families spend a significant amount of money on gas. Why not get some rewards for the money you spend at the pump? 

A good gas credit card can save you hundreds of dollars each year at the pump or provide free flights and accommodations on your next adventure. 

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All of the opinions expressed herein are the author's alone, and not those of any bank, brokerage, credit card issuer, lender, insurance company, outside financial institution, or any other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post or any other third parties.