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The best credit cards for gas rewards: Earn the most cash back or points on gas

The best gas credit cards earn a high rate of rewards on gas purchases. Use these cards to earn more cash back or points on gas and fill up your rewards balance. (Jump directly to our recommendations.)

The best gas credit cards

Here’s our list of the cards that earn the best rewards on gas purchases.

Citi Custom Cash℠ Card: Up to 5% cash back on one select category each month, including gas stations.

Rewards on gas: 5% cash back on the first $500 of spending each month in the eligible category, in which you spend the most. The list of eligible categories includes gas stations.

The best rewards you can get on gas with no annual fee. Read our review.

Annual fee: $0

U.S. Bank Altitude® Reserve Visa Infinite® Card: 3% cash back or 4.5% toward travel when you use mobile wallet tap-to-pay, including on gas.

Rewards on gas: 3x points, worth up to 4.5% toward travel when you use a mobile wallet to pay for gas.

When you use the points for travel, this is the best rate of cash back you can get on gas purchases at Costco. Read our review.

Annual fee: $400

Costco Anywhere Visa® Card by Citi: Up to 4% cash back on gas and EV charging.

Rewards on gas: 4% cash back on eligible gas and EV charging for the first $7,000 per year, 1% thereafter.

The best choice if you buy your gas at Costco if you don’t have the Altitude Reserve. Read our review.

Annual fee: $0. Requires a paid Costco membership.

U.S. Bank Altitude Connect® Visa Signature® Card: Unlimited 4x points on gas…for now

Rewards on gas: 4x points at gas stations and EV charging stations.
Points can be redeemed at 1 cent each toward cash back and other rewards.

On September 9, 2024, the rewards on this card change. You’ll only earn 4x on the first $1,000 of combined gas and EV charging each quarter, then 1x. Points will only be redeemable for 0.8 cents each toward cash back redemptions. Read our review.

Annual fee: $0 intro annual fee in the first year, then $95.
This will change to $0/year on September 9, 2024. See our coverage of the Altitude Connect changes.

Wells Fargo Autograph℠ Card: Unlimited 3x transferable points on gas.

Rewards on gas: 3x points on gas stations and electric vehicle charging stations.
Points are earned as Wells Fargo Autograph points.

A great option if you collect Wells Fargo Autograph points and transfer to travel transfer partners for high-value redemptions. Read our review.

Annual fee: $0

Blue Cash Preferred® Card from American Express: Unlimited 3% cash back at U.S. gas stations

Rewards on gas: 3% cash back at U.S. gas stations.

A great option if you already have the card for its market-leading rewards at U.S. grocery stores and the Disney Bundle credit. Read our review.

Annual fee: $0 intro annual fee in the first year, then $95 (See Rates and Fees)

Blue Cash Everyday® Card from American Express: 3% cash back at U.S. gas stations, on up to $6,000 per year, then 1%.

Rewards on gas: 3% cash back at U.S. gas stations, on up to $6,000 per year, then 1%.

A good option with no annual fee that offers rewards at U.S. gas stations, U.S. supermarkets, and U.S. online retail. Read our review.

Annual fee: $0 (See Rates and Fees)

Citi Strata Premier℠ Card: 3x points on gas and EV charging stations

Rewards on gas: 3x ThankYou® Points on gas and EV charging stations.

If you collect ThankYou® Points for transfers to travel partners, this is a good option to use for gas if you’re using your Custom Cash card for another category. Read our review.

Annual fee: $95

Bank of America® Customized Cash Rewards credit card: Up to 5.25% cash back on gas with Preferred Rewards with Platinum Honors

Rewards on gas: Up to 5.25% cash back on on choice category (including gas and EV charging stations) if you have Preferred Rewards with Platinum Honors.
You’ll earn 3% base cash back, plus a 1.75x rewards multiplier if you have Preferred Rewards with Platinum Honors. The 3% and 2% rewards on this card are capped at a combined $2,500 of spending each quarter

Only choose this card for gas if you have Preferred Rewards with Platinum Honors with Bank of America. Read our review.

Annual fee: $0

Amex EveryDay® Preferred Credit Card: 2x (up to 3x) Membership Rewards points on gas

Rewards on gas: 2x Membership Rewards points on gas at U.S. gas stations.
Earn 50% extra points (for a total of 3x at U.S. gas stations) if you use your card 30 or more times on purchases in a billing period.

This card offers the most Membership Rewards® points possible on gas purchases.

Annual fee: $95 (See rates and fees. Terms apply.)

Our recommendations for the best cards for gas

The best gas credit card for you will largely on where you purchases gas, how much gas you purchase, and whether you want cash back or points. Whether you’re a travel rewards enthusiast or simply looking to squeeze some extra mileage our of your gas purchases, the best gas card for you is likely a card on this list.

If you’re having trouble deciding, here are our hand-picked recommendations.

The best cash back rewards on gas

If you’re like most people, you want simple cash back rewards on gas. Here are the cards to look at for cash back rewards on gas.

Transferable point rewards on gas

If you’re collecting transferable points like Citi ThankYou® Points or Chase Ultimate Rewards®, here are the cards that earn the most points on gas within each of these ecosystems.

Specialty recommendations:

The best credit cards for gas

Here are some more details on our picks for the best cards for gas purchases.

Citi Custom Cash℠ Card: 5% cash back on flexible categories, including gas

Citi Custom Cash℠ Card card art
Citi Custom Cash℠ Card

The Citi Custom Cash℠ Card isn’t marketed as a gas card, but if you use it for gas, you can get up to 5% cash back on up to $500 in gas purchases monthly.

You’ll get the most rewards on gas with the Custom Cash if you use it solely for gas purchases. That’s because the card earns 5% cash back on the first $500 you spent in your top eligible spending category each statement cycle.

The card earns ThankYou® Points, which can be redeemed for cash back rewards or transferred to travel transfer partners if you also hold the Citi Strata Premier℠ card.

Learn more about ThankYou® Rewards, the Citi Custom Cash℠ Card, how how to pick up multiple Citi Custom Cash cards.

Citi Custom Cash℠ Card card art

Learn how to apply.

Annual fee: $0

This is a direct bank link. All information about the Citi Custom Cash℠ Card has been collected independently by cardsandpoints.com.

Citi Custom Cash℠ Card sign-up bonus

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The 6-month window to earn this bonus makes it an easy bonus to earn.

More about this card


Benefit highlights:
Citi Entertainment® – Access to event ticket pre-sales.

Rewards:
5% cash back on your top eligible spend category each billing cycle, on up to $500 of purchases.
5% eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
1% cash back on all other purchases.
Rewards are earned as ThankYou® Points.

Learn more:
Learn more about the Citi Custom Cash in our review of the card.
See our overview of the ThankYou® Rewards program.

U.S. Bank Altitude® Reserve Visa Infinite® Card: Up to 4.5% travel rewards with mobile wallet, including on gas

U.S. Bank Altitude® Reserve Visa Infinite® Card card art
U.S. Bank Altitude® Reserve Visa Infinite® Card

The U.S. Bank Altitude® Reserve Visa Infinite® Card doesn’t have gas as a bonus category, but if your preferred gas station lets you pay with a mobile wallet, you can earn a bunch of rewards on your gas purchases.

That’s because the card offers 3x points on every purchase made with Apple Pay®, Google Pay™ and Samsung Pay. Better yet, if you redeem your points for travel, you can get 50% more value, making it effectively a 4.5% rewards card toward travel.

If you redeem your points for travel rewards, the card becomes the best card to use for gas at Costco, beating out even Costco’s own credit card.

Learn more about the card in our review of the U.S. Bank Altitude® Reserve Visa Infinite® Card.

U.S. Bank Altitude® Reserve Visa Infinite® Card card art

Learn how to apply.

Annual fee: $400

This is a direct bank link. All information about the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by cardsandpoints.com.

U.S. Bank Altitude® Reserve Visa Infinite® Card sign-up bonus

Earn 50,000 bonus points worth $750 on travel. Just spend $4,500 in the first 90 days of account opening.

You can get a bigger welcome bonus with several other competing cards with similar annual fees.

More about this card


Benefit highlights:
$325 in annual statement credits for travel and dining purchases.
Primary auto rental collision damage waiver.
Trip cancellation and interruption insurance.
Trip delay reimbursement.
Lost luggage reimbursement.
Extended warranty.
Purchase security.
Return protection.

Rewards:
5x on prepaid hotels and car rentals booked with the Altitude Rewards Center.
3x on eligible travel purchases.
3x on mobile wallet purchases made with Apple Pay®, Google Pay™, and Samsung Pay.
1x on other eligible purchases.
Rewards are earned as points which can be redeemed for cash back at 1 cent apiece, or toward travel at 1.5 cents each.

Learn more:
Learn more about in our review of the Altitude Reserve.

Costco Anywhere Visa® Card by Citi: 4% on gas for Costco members

Costco Anywhere Visa® Card by Citi card art
Costco Anywhere Visa® Card by Citi

If you are a Costco member, the Costco Anywhere Visa® Card by Citi can get you 4% on up to $7,000 of gas (and electric vehicle charging) per year.

This is a great reward on gas on a card with no annual fee, but your “cash back” rewards come with a catch. You’ll have to wait until after your February statement closes to get your rewards, which will be issued as a reward certificate. You can redeem your annual credit card rewards certificate at Costco.

Learn more from our review of the Costco Anywhere Visa Card.

Costco Anywhere Visa® Card by Citi card art

Learn how to apply.

Annual fee: $0
Requires a paid Costco membership.

This is a direct bank link. All information about the Costco Anywhere Visa® Card by Citi has been collected independently by cardsandpoints.com.

Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa Card by Citi offers no sign-up bonus.

Even though it has no sign-up bonus, this is probably a good card to get if you have a Costco membership.

More about this card


Benefit highlights:
This card has very limited benefits and no longer includes an extended warranty benefit.

Rewards:
4% on eligible gas and EV charging for the first $7,000 per year. 1% thereafter.
3% on restaurants.
3% on eligible travel.
2% on all other purchases from Costco and Costco.com.
1% on other purchases.
Rewards are earned as an annual credit card reward certificate.

Learn more:
Learn more about the card in our review of the Costco Anywhere Visa card.

U.S. Bank Altitude® Connect Visa Signature® Card: 4% on a large amount of gas

Card image of the U.S. Bank Altitude Connect Visa Signature card
U.S. Bank Altitude Connect Visa Signature card

Currently, if you spend a large amount of money on gas each year, no card offers more rewards on gas than the U.S. Bank Altitude® Connect Visa Signature® Card.

You’ll get the most from this card if you’re spending more than $10,000 a year on the card’s bonus categories, including gas. At that point, you’ll earn enough marginal rewards to justify the card’s ongoing $95 annual fee.

The card’s benefits and rewards are changing, effective September 9, 2024. On September 9th, you’ll only earn 4x on the first $1,000 of combined gas and EV charging purchases each quarter. Plus you’ll only be able to redeem your points for 0.8 cents each toward cashback redemptions. We cover the full scope of these card changes, but the upshot is that the card becomes much less compelling for gas rewards after September. Expect this card to drop of this list at that time.

Learn about upcoming changes to the Altitude Connect and read our review of the card for more on the card’s perks and benefits.

Card image of the U.S. Bank Altitude Connect Visa Signature card

Learn how to apply.

Annual fee: $0 introductory annual fee for the first year, $95/year thereafter. Effective September 9, 2024, you will enjoy a $0 annual fee.

This is a direct bank link. All information about the U.S. Bank Altitude Connect Visa Signature card has been collected independently by cardsandpoints.com.

U.S. Bank Altitude Connect Visa Signature card sign-up bonus

Earn 50,000 bonus points. Just spend $2,000 in the first 120 days. That’s $500 value redeemable toward cash back. $0 introductory annual fee for the first year, $95/year thereafter. Effective September 9, 2024, you will enjoy a $0 annual fee.

The wording on the annual fee is confusing. In short, if you apply for this card now, you won’t ever pay an annual fee on this card. Be sure to earn the bonus and cash your points out prior to September 9th, 2024. After that date, points become worth only 0.8 cents each toward cash back redemptions.

More about this card


Benefit highlights:
4 Priority Pass lounge visits
Global Entry/PreCheck Credit
Cell phone protection.

Rewards:
5x on prepaid hotels and car rentals booked in bank portal.
4x on travel, gas stations, EV charging.
2x on grocery stores, grocery delivery, dining and streaming services.
1x all other eligible purchases.
Effective September 9, 2024, the rewards structure on this card changes.
Rewards are earned as points redeemable for cash back and travel rewards.

Learn more:
Learn more in our review of the Altitude Connect.
See upcoming changes to the Altitude Connect.

Wells Fargo Autograph℠ Card: Unlimited 3% back on gas with no annual fee

The Wells Fargo Autograph℠ Card card art
The Wells Fargo Autograph℠ Card

There are a handful of cards with no annual fee that offer 3% rewards on gas. The Wells Fargo Autograph℠ Card stands out because it gives you 3x points on gas and adds a whole lot more.

3x categories include restaurants, travel, gas, transit, popular streaming services and cell phone plans. The card also includes a cell phone protection benefit, making it a reasonably good choice for paying your cell phone bill.

You’ll get the most out of the Wells Fargo Autograph card if you transfer your points to one of Wells Fargo’s travel transfer partners.

Learn more about the card in our review of the Wells Fargo Autograph card.

The Wells Fargo Autograph℠ Card card art

Learn how to apply.

Annual fee: $0

This is a direct bank link. All information about the Wells Fargo Autograph℠ Card has been collected independently by cardsandpoints.com.

Wells Fargo Autograph℠ Card sign-up bonus

bonus_miles_full

Reasonable bonus on a card with no annual fee.

More about this card


Benefit highlights:
Cell phone protection.
Secondary auto rental collision damage waiver.

Rewards:
3x at restaurants.
3x on travel.
3x on gas and EV charging.
3x on transit.
3x on popular streaming services.
3x with cell phone providers.
1x everywhere else.
Rewards are earned as Wells Fargo Autograph points.

Learn more:
Learn more in our review of the Wells Fargo Autograph.

Blue Cash Preferred® Card from American Express: 3% on U.S. gas and 6% on U.S. supermarkets

Blue Cash Preferred® Card from American Express card art
Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express can get you 3% at U.S. gas stations.

The rewards at U.S. gas stations alone aren’t enough to justify this card’s $95 ongoing annual fee. But this card is also one of our best cards for grocery store purchases. If you have the card for its increased rewards on groceries, it’s a fine card to use for gas. 3% cash back is as good or better than you’ll get with no-annual-fee cards. This is the card that I use for gas purchases.

The Blue Cash Preferred® Card from American Express offers a welcome bonus to new cardmembers. Go to our card overview of the Blue Cash Preferred® Card for more on this card.

Blue Cash Everyday® Card from American Express: 3% on gas and other categories with no annual fee

Blue Cash Everyday® Card from American Express card art
Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card gives you 3% back on up to $6,000 of purchases at U.S. gas stations each year, with no annual fee. Beyond its gas rewards, the card offers similar rewards for U.S. online retail purchases and groceries at U.S. supermarkets.

If you’re getting the card just for gas rewards, the Citi Custom Cash is likely a better pick. And for most families that spend a fair amount at U.S. supermarkets, the Blue Cash Preferred® Card from American Express will likely provide more total value.

The Blue Cash Everyday® Card from American Express offers a welcome bonus to new cardmembers. Go to our card overview of the Blue Cash Everyday® Card for more on this card.

Citi Strata Premier℠ Card: Lots of 3x categories and transferable points

Citi Strata Premier℠ Card card art
Citi Strata Premier℠ Card

The Citi Strata Premier℠ Card is the refresh of the Citi Premier℠ card. It offers 3x ThankYou® Points on gas purchases.

The Citi Strata Premier and the Citi Custom Cash℠ both earn bonus rewards at restaurants, gas stations, and grocery stores. If you’re not using your Custom Cash for one of its other categories, you’ll maximize your ThankYou points if you choose your largest spending category from among these three categories and put the first $500 of purchases in that category only on your Custom Cash card.

Learn more about ThankYou® Rewards or check our our coverage of the Citi Strata Premier℠ Card.

Citi Strata Premier℠ Card card art

Learn how to apply.

Annual fee: $95

This is a direct bank link. All information about the Citi Strata Premier℠ Card has been collected independently by cardsandpoints.com.

Citi Strata Premier℠ Card sign-up bonus

bonus_miles_full

The limited-time welcome bonus is a good bonus for a card in this annual fee range.

More about this card


Benefit highlights:
$100 annual hotel benefit.
Trip delay protection.
Trip cancellation and interruption insurance.
Lost and damaged luggage protection.
MasterRental car rental insurance.

Rewards:
10x on hotels, car rentals, and attractions booked through CitiTravel.com
3x on air travel.
3x on other hotel purchases.
3x at restaurants.
3x at supermarkets.
3x at gas stations and EV charging stations.
1x on all other purchases.
Rewards are earned as ThankYou® Points.

Learn more:
Learn more about the Strata Premier in our review of the card.
See our overview of the ThankYou Rewards program.

Bank of America® Customized Cash Rewards credit card: Up to 5.25% cash back on gas with banking relationship status

Bank of America® Customized Cash Rewards credit card art
Bank of America® Customized Cash Rewards credit card

The Bank of America® Customized Cash Rewards credit card won’t be a good gas card pick for most people, but if you hold $100,000 of assets with Bank of America, you’ll get a 1.75x multiplier on your rewards thanks to the Preferred Rewards program.

With that multiplier, you can get up to 5.25% cash back on your gas and EV charging purchases. You’ll only earn that much cash back on a limited amount of spending. The card’s base 2% and 3% categories’ increased rewards are capped at $2,500 in spending each quarter.

If you have Bank of America Preferred Rewards with Platinum Honors, it can be worth checking out our review of the Bank of America® Customized Cash Rewards credit card. But if you don’t hold a large amount of assets with Bank of America, most of the other cards on this list will be better choices.

Bank of America® Customized Cash Rewards credit card art

Learn how to apply.

Annual fee: $0

This is a direct bank link. All information about the Bank of America® Customized Cash Rewards credit card has been collected independently by cardsandpoints.com.

Bank of America® Customized Cash Rewards credit card sign-up bonus

$200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening.

The bonus is about average for a card with no annual fee.

More about this card


Benefit highlights:
Extended warranty.

Rewards:
3% cash back in a select category of your choice: gas and EV charging stations, online shopping/cable/streaming/internet/phone plan, dining, travel, drug store/pharmacy, or home improvement/furnishings.
2% cash back at grocery stores and wholesale clubs.
Bonus rewards in 2% and 3% categories are limited to the first $2,500 in spending each quarter. Additional purchases earn 1% cash back
1% cash back on all other purchases.
Rewards get multiplied by up to 1.75x depending on your Bank of America Preferred Rewards status.

Learn more:
Learn more about the card in our review of the Customized Cash.
Read more about the Bank of America Preferred Rewards program.

Amex Amex EveryDay® Preferred Credit Card: 2x Membership Rewards

Amex EveryDay® Preferred Credit Card card art
Amex EveryDay® Preferred Credit Card

The Amex EveryDay® Preferred Credit Card may seem like a lackluster option for gas rewards at first glance since it only earn 2x Membership Rewards® points on gas at U.S. gas stations.

But if you use the card 30 or more times on purchases within a billing period, you’ll earn 50% more points on all of your purchases. When you consider this 50% boost, you could be earning 3x points on your U.S. gas station purchases—more points than you’d earn on any other card that earns Membership Rewards.

You’ll only want to consider this card if you’re interested in earning Membership Rewards points—Membership rewards can not be easily redeemed for cash back at a good valuation.

Amex EveryDay® Preferred Credit Card card art

Learn how to apply.

Annual fee: $95
(See Rates and Fees.)

This is a direct bank link. All information about the Amex Amex EveryDay® Preferred Credit Card has been collected independently by cardsandpoints.com.

Amex EveryDay® Preferred Credit Card welcome bonus

Earn 15,000 Membership Rewards® Points after you spend $2,000 in eligible purchases on your Amex EveryDay® Preferred Credit Card within the first 6 months of Card Membership.

This bonus isn’t terribly exciting, but you’ll want to consider this card if your spend a lot of gas and collect Membership Rewards®.

More about this card


Benefit highlights:
Car rental loss and damage insurance.
Extended warranty.
Purchase protection.
Return protection.

Rewards:
3x points at U.S. supermarkets on up to $6,000 per year in purchases.
2x points at U.S. gas stations.
2x points at AmexTravel.com.
1x points on other eligible purchases.

Rewards are earned as Amex Membership Rewards® points.

How we picked

When we create our lists of best cards, we consider a bunch of factors, including rewards rate, annual fee, caps on rewards, and how easy points are to use. We start by selecting baseline card with no annual fee that offers the highest rate of uncapped earnings available to general consumers. In the case of gas, that baseline was the Wells Fargo Autograph℠ Card, which earns 3x points (redeemable for cash back) on an unlimited amount of spending on gas with no annual fee.

Other cards get added to our list if they are better than our baseline card in some cases. Maybe a card with an annual fee gets you more earnings in more categories or offers compelling perks beyond the rewards. Or maybe there’s another card that caps earnings on gas, but the cap is sufficiently high that it won’t limit most peoples’ rewards and the card offers another compelling category or two.

Cards we didn’t consider include any card that earned rewards on gas with a value equivalent to less than 3% cash back. In some cases, we excluded cards that earn more than 3 points per dollar when the points couldn’t be redeemed for cash or travel rewards with an average value that met our benchmark.

Frequently asked questions

What is the best credit card for gas?

The best credit card for gas depends on your spending patterns and how you plan to use your rewards. Our list includes cards that offer up to 5% cash back on gas purchases.

Which card can I use for gas at Costco?

If you’re a Costco member, it probably comes as no surprise that the Costco Anywhere Visa® Card by Citi is a great choice for its 4% rewards on up to $7,000 of gas purchases, but any Visa card can earn you rewards on gas purchases at Costco. You might consider the U.S. Bank Altitude® Reserve Visa Infinite® Card as well. It’s a Visa card that will earn you up to 4.5% toward travel when you tap to pay at the pump.

Are prepaid cards for gas a good idea?

Prepaid cards are rarely a good idea. Prepaid cards have much less protection against fraud if your card member gets stolen. And gas pumps can be easy targets for criminals who install devices in card readers that can steal your credit card number. If you use a card at one of these compromised gas pumps, you might find your prepaid card and your gas tank drained. It’s best to stick with credit cards for gas purchases.

Is there a gas card that can be used anywhere?

All of the gas cards on the Cards and Points list of best gas cards are credit cards, which can be used anywhere credit cards are accepted. A limited number of gas stations may not accept certain types of cards. Costco, for example, only accepts Visa cards. With limited exceptions, the gas cards on our list can be used most places.

About the author

  • Aaron Hurd

    Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar. Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.

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