Filling up your tank can be expensive, but the right credit card can make it more affordable. These cards offer cash-back rewards, discounts, and special offers that can reduce your fuel costs.
In this blog, we’ll explore the top gas credit cards, and how they can save you money. Whether you’re a daily commuter or an occasional driver, there’s a card out there that can help you save!
MoneyLion can help you explore a wide variety of credit card options tailored to different needs and preferences.
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9 Best Gas Credit Cards
Whether you’re commuting, road-tripping, or just topping off every other day, gas isn’t getting cheaper, but a gas credit card could make it feel that way.
From everyday drivers to folks building credit from scratch, here are some of the best gas credit cards in 2025 to help you rack up rewards, cash back, and discounts every time you fill up.
1. Best for Overall Rewards: Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express isn’t just good for gas: it’s built for the full tank and the grocery cart. With 3% back at gas stations and a juicy 6% at supermarkets (up to $6,000/year), it’s a heavy hitter for all households. The $95 annual fee after year one is a bit of a buzzkill, but the rewards may more than make up for the fee if you’re filling up and stocking up regularly.
| Credit score needed: Good to Excellent (690 to 850) | Purchases intro annual percentage rate (APR):0% for 12 months |
| Intro bonus: $250 statement credit after spending $3,000 in the first 6 months. | Cash advance fee: $10 or 5%, whichever is greater |
| Annual fee: $0 intro for the first year, then $95 | Balance transfer fee: 3% (or a $5 minimum) |
| Regular APR:20.24% to 29.24% variable | Foreign transaction fee: 2.7% |
Pros
- High rewards rate on gas
- Great intro bonus
- Long 0% APR period
Cons
- Annual fee after the first year
- Foreign transaction fees
- Requires good to excellent credit
2. Best for flexible spending: Citi Custom Cash® Card
The Citi Custom Cash® Card allows you to play favorites. It automatically gives you 5% back on your highest spending category each month (up to $500), and yes, gas stations qualify. No rotating categories, no activation, no stress. If your fuel bill feels like a second utility bill, this card puts real money back in your pocket. The best part? There’s no annual fee.
| Credit score needed: Good to excellent (690 to 850) | Purchase intro APR: 0% for 15 months |
| Intro bonus: $200 cash back after spending $1,500 in the first 6 months | Cash advance fee: 5% (min $10) |
| Annual fee: $0 | Balance transfer fee:5% (min $5) |
| Regular APR: 19.24% to 29.24% variable | Foreign transaction fee: 3% |
Pros
- No annual fee
- Generous 5% cashback on the preferred category
- Intro cash back and 0% APR Period
Cons
- Low cashback rate outside preferred category
- Requires good to excellent credit
3. Great for bulk buyers Sam’s Club® Mastercard®
If your weekends start in bulk and end at the pump, this card may be for you. Sam’s Club Mastercard offers 5% back on gas (up to $6,000/year, then 1% after), making it a sweet deal for road trippers and Costco-dodgers. But heads up: you’ll need a Sam’s Club membership to qualify, and the best perks are locked behind a Plus membership.
| Credit score needed: Good to Excellent (690 to 850) | Purchases intro APR:None |
| Intro bonus:None | Cash advance fee: Either $10 or 5%, whichever is greater |
| Annual fee: $0 (Sam’s Club membership required) | Balance transfer fee: Not available |
| Regular APR: 20.90% or 28.90% variable | Foreign transaction fee:N/A |
Pros
- Opportunities for additional cashback
- 3% back in Sam’s Cash on dining and takeout
- 3% back in Sam’s Cash on Sam’s Club purchases for Plus members
Cons
- Sam’s Club membership required
- Club members only earn 1% cash back on Sam’s Club purchases
- Requires good to excellent credit
4. Great for bonus categories: Wells Fargo Autograph® Card
The Wells Fargo Autograph® Card hits the everyday spending sweet spots that actually matter to your wallet. It offers 3x points at gas stations, plus dining, travel, phone plans, and streaming. Basically, it covers most of your everyday spending categories without paying an annual fee. The downside? There’s no direct cash back. You’ll be redeeming through their points system, which includes travel and eligible purchases.
| Credit score needed: Good to Excellent (690 to 850) | Purchases intro APR: 0% for 12 months |
| Intro bonus: 20,000 bonus points after spending $1,000 in the first 3 months | Cash advance fee: 5% (min $10) |
| Annual fee:$0 | Balance transfer fee: 3% (min $5) for 120 days, then up to 5% |
| Regular APR: 20.24%–29.24% variable | Foreign transaction fee:None |
Pros
- Unlimited rewards
- Earn 1x points on all purchases outside bonus categories
- Can be redeemed for travel, gift cards, and eligible purchases
Cons
- Can’t redeem for direct cash back
- No additional travel perks
- Requires good to excellent credit
5. Great for Costco lovers: Costco Anywhere Visa® Card by Citi
Love Costco hot dogs and highway miles? The Costco Anywhere Visa® Card by Citi rewards both. You’ll earn 4% back on gas and EV charging (on up to $7,000/year), then 1% after that – plus bonus rewards on restaurants, travel, and Costco purchases. Just note: rewards are redeemable only once a year, and you need a Costco membership to apply.
| Credit score needed: Excellent (720+) | Purchases intro APR:None |
| Intro bonus:None | Cash advance fee: 5% (min $10) |
| Annual fee: $0 (with Costco membership) | Balance transfer fee:5% (min $5) |
| Regular APR: 20.49% variable | Foreign transaction fee:None |
Pros
- Bonus perks like travel insurance, damage & theft purchase protection (subject to conditions)
- An additional 3% on restaurants and eligible travel
- 2% on all other purchases from Costco and Costco.com
Cons
- Rewards are only redeemable once a year
- You’ll need a Costco membership
- You’ll need excellent credit to qualify
6. Great for changing priorities: Bank of America® Customized Cash Rewards
The Bank of America® Customized Cash Rewards is a great option if you’re working on your credit and want in on the gas rewards game. You pick one 3% cashback category, and yes, gas is one of them. Add 2% at grocery stores and wholesale clubs, and you’re racking up value without an annual fee. The highlight: new users can get an additional 3% cash back bonus in the category of their choice for the first year.
| Credit score needed: Good to Excellent (690 to 850) | Purchases intro APR:0% Intro APR for first 15 billing cycles |
| Intro bonus:$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days | Cash advance fee: 3% (min $10) |
| Annual fee:$0 | Balance transfer fee: 3% (min $10) |
| Regular APR: 28.24% variable | Foreign transaction fee:3% |
Pros
- No annual fee
- $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Cons
- Spending caps on rewards
- 3% cashback in only one spending category
7. Great for fair credit applicants: Aspire® Cash Back Rewards Mastercard®
Not many cards for fair credit score holders offer 3% cashback on gas, but the Aspire® Cash Back Rewards Mastercard® does. You’ll also earn that rate on groceries and utility bills. Just be warned: the APR is sky-high, and the annual fee can be steep in year one. Still, if your credit’s in the “getting there” zone, this is one of the best gas credit cards for fair credit that still pays you back.
| Credit score needed: Fair (580 to 669) | Purchases intro APR:None |
| Intro bonus:None | Cash advance fee: 5% (min $5) |
| Annual fee: $85–$175 in Year 1; $29–$49 after | Balance transfer fee: 3% of the amount of each transfer |
| Regular APR: 36% fixed | Foreign transaction fee:3% |
Pros
- No security deposit
- 3% cash back on gas, groceries, and utilities is rare for cards in this credit score category
Cons
- Annual and monthly fees can pile up to $175 in the first year and up to $229 in the following years
- Relatively high APR at 36%
8. Best for bad credit: Discover it® Secured
For those building or rebuilding credit, the Discover it® Secured card is a solid option. It offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. This type of cash back offering is rare for a secured credit card, which means a refundable security deposit is required.
| Credit score needed: No credit score requirement | Purchases intro APR:None |
| Intro bonus:None | Cash advance fee: 5% (min $10) |
| Annual fee:$0 | Balance transfer fee:Not available |
| Regular APR: 26.49% variable | Foreign transaction fee:3% |
Pros
- No annual fee
- Cash back match at the end of the first year
- Long intro APR period
Cons
- High APR after intro period
- Limited rewards categories
- Requires fair to excellent credit
9. Great for premium rewards: U.S. Bank Altitude® Connect Visa Signature® Card
The U.S. Bank Altitude® Connect Visa Signature® Card is a solid everyday card for people who want both gas rewards and travel benefit. It boasts a no-annual-fee card and gives you 4x the points on gas for your first $1,000 each quarter, plus 4x on travel and 2x on dining, streaming, and groceries. The standout feature is getting premium travel perks like airport lounge access and TSA PreCheck credits.
| Credit score needed: Good to Excellent (690 to 850) | Purchases intro APR:0% APR on purchases and balance transfers for the first 15 billing cycles |
| Intro bonus:20,000 points if you spend $1,000 in the first 90 days. | Cash advance fee: 5% (min $6) |
| Annual fee:None | Balance transfer fee:None |
| Regular APR: 18.24% to 28.24% | Foreign transaction fee:None |
Pros
- No annual fee
- Variety of bonus categories
- 0% APR Intro Offer
Cons
- Requires fair to excellent credit
- Rewards in points, not direct cash back
How do credit cards for gas work?
Gas credit cards help you save money on fuel by offering cash back, points, or even direct discounts at the pump. Most give you higher rewards on gas purchases, like 3% or 4% back, compared to regular spending.
There are three main types to consider:
- General rewards cards: Work at any gas station and usually offer bonus categories beyond just fuel, like dining or groceries.
- Co-branded gas cards: Partnered with specific brands like Shell or Exxon, often providing pump discounts or extra perks at those locations, but can also be used anywhere.
- Closed-loop cards: Usable only at specific gas stations.
What qualifies as “gas” for bonus rewards on credit cards?
Typically, “gas” includes any fuel purchases made at a gas station. This can cover gasoline, diesel, and sometimes other fuel types.
But beware: if you buy gas at a big-box store like Walmart or Costco, it may not count unless the card specifically includes those retailers. Always check the fine print before assuming your fill-up will earn rewards.
Should you get a gas credit card?
If you drive frequently, the best gas credit card can save you a lot on fuel costs. These cards can be best if you:
- Drive often, or make frequent long-distance trips
- Gas is a major part of your monthly budget
- You’re loyal to a specific gas station brand (like Shell or Costco)
- You’re building or rebuilding credit and want rewards along the way
If your car’s always on the move, your wallet should be working just as hard.
How to choose the right gas credit card
Choosing the right gas credit card can significantly impact how much you save at the pump. Start by looking at your habits: where you fuel up, how often, and whether you carry a balance.
Here’s what to compare:
Compare reward rates: Look for cards with high reward rates on gas purchases. The higher the rate, the more you’ll save every time you fill up.
Consider other bonus categories: Some cards offer cash back or points on other spending categories, such as on dining, groceries, or travel, which could stretch your rewards even further.
Evaluate annual fees: Check if the card’s rewards outweigh its annual fee. Sometimes a card with a fee can offer more value through higher rewards or additional benefits.
Check for station restrictions: Some co-branded gas credit cards only work (or only reward) at certain stations. That’s great if you’re loyal—but limiting if you’re not. Flexibility can be crucial, especially if you travel frequently or don’t have a preferred gas station.
Assess additional perks: Extras like sign-up bonuses, 0% intro APR”, or fraud protection might tip the scales between two similar cards.
Pros and cons of owning a gas credit card
Before you rush off to apply for the best gas credit card, make sure to weigh the pros and cons to ensure you’re making a smart move.
| Pros | Cons |
| ✅ Higher rewards on gas purchases compared to regular credit cards | ❎ May have caps or category limits |
| ✅ Can save hundreds of dollars annually for frequent drivers | ❎ Some have high APRs or annual fees |
| ✅ Many offer bonus categories beyond gas (dining, groceries, travel) | ❎ Co-branded cards may restrict you to specific gas stations |
| ✅ Can help build credit history with responsible use | ❎ Some have annual fees that could offset your gas savings |
Get More Cash for Your Mileage
If you’re driving regularly and not getting rewarded for it, you’re literally leaving money at the pump. Some of the best gas credit cards can put rewards in your tank and help you build better credit while you’re at it. Even if your credit score isn’t perfect, you may have options to earn points or cash back. Get to learning what you could qualify for and compare different credit card offers with MoneyLion!
FAQs
What is the best credit card for gas rewards?
If you have good credit and want strong rewards across the board, the Blue Cash Preferred® Card offers 3% back at gas stations and 6% back at supermarkets.
Can I use my credit card at any gas station?
Yes, most gas credit cards can be used anywhere that accepts credit cards, but rewards may only apply at specific gas stations. For example, co-branded gas credit cards like Shell or Costco offer their best perks at their own pumps but may offer little or nothing elsewhere.
How can I maximize gas rewards with a credit card?
To make the most of a gas cash back credit card, use it for every fill-up, choose one with 3% or more back on fuel, and pair it with bonus category spending (like dining or groceries). Look for cards that offer sign-up bonuses or let you set gas as your top rewards category.
Do gas credit cards offer better rewards than regular credit cards?
Some do! Some of the best gas rewards cards can offer 3–5% back at the pump, much more than the typical 1–2% on everyday cards. That said, general cash back credit cards may be more flexible if gas isn’t your main expense.
Are gas credit cards worth it for occasional drivers?
If you only fill up once or twice a month, a gas station credit card may not provide enough rewards to outweigh any annual fees. In that case, a no-annual-fee credit card with flat-rate rewards could be a smarter option.
How do I redeem rewards earned from gas purchases?
Redemption depends on the card. Most gas credit cards let you redeem cash back as a statement credit, direct deposit, or gift card. Some co-branded cards offer cents off per gallon or store credit instead, so it’s worth checking the terms.
