You’re probably spending more money on gas these days. If you want to get maximum rewards on your purchases at gas stations, get a card that offers extra rewards on gas purchases.
Here are the best credit cards to use for gas for earning cash back rewards. (Scroll down for additional picks if you want transferable points or have a sizable banking relationship.)
Annual fee: $0
Citi Custom Cash® Card
A highly flexible bonus category card that can earn 5% cash back on up to $500 of gas each month.
5% cash back on the first $500 you spend in your top category each month. Eligible categories include gas stations.
Learn more about the Custom Cash in our guide to card
Get the Custom Cash and earn a sign-up bonus.
Annual fee: $0
Costco Anywhere Visa® Card
Best rate of cash back at Costco gas stations, plus excellent rewards on gas elsewhere.
5% on gas at Costco and 4% back on other eligible gas and EV charging for the first $7,000 per year, then 1%.
Learn more in our guide to the Costco Visa.
Get the Costco Visa and earn a sign-up bonus.
Annual fee: $0
Wells Fargo Autograph® Card
Uncapped rewards on gas on a no-annual fee card.
Unlimited 3x Autograph points at gas stations and on EV charging. Points can be redeemed for cash back or transferred to airline and hotel partners.
Annual Fee: $0 intro annual fee for the first year, then $95.
Blue Cash Preferred® Card from American Express
Market-leading cash back on gas, plus great rewards on groceries and a Disney+ credit.
Unlimited 3% cash back on gas at U.S. Gas Stations.
Learn more in our guide to the Blue Cash Preferred.
Get the Blue Cash Preferred and earn a sign-up bonus.
Annual fee: $0
Blue Cash Everyday® Card from American Express
Good cash back rewards at U.S. Gas Stations, paired with bonus rewards for online shopping and groceries.
3% cash back on gas at U.S. Gas Stations, on up to $6,000 in purchases each calendar year, then 1%.
Learn more in our guide to the Blue Cash Everyday.
Get the Blue Cash Everyday and earn a sign-up bonus.
Annual fee: $0
Venmo Credit Card
Good option to use at gas stations for Venmo users.
3% cash back on your eligible top spend category each month. Eligible spending categories include gas stations.
Annual fee: $0
U.S. Bank Altitude® Connect Visa Signature® Card
Higher than average rewards on a no-annual-fee card.
4x points at gas stations and EV charging stations on your first $1,000 each quarter. Requires having a U.S. Bank deposit account to redeem points for cash back at full value.
Learn more in our guide to the Altitude Connect.
Get the Altitude Connect and earn a sign-up bonus.
My take: How I optimize gas rewards
Aaron Hurd
Executive Editor of Cards and Points
For my family’s situation, the best choice for which card to use is pretty clear.
My plug-in hybrid needs a full tank of gas around once every six months or so, usually when I’m taking it on a road trip somewhere. Since I have the Blue Cash Preferred for its excellent rewards on groceries anyway, I usually pull out this card and fill up at whatever gas station is closest. Since I don’t really buy much gas, I don’t spend much thought optimizing on rewards.
However, my girlfriend drives the minivan, which consumes a mind-boggling amount of gas…at least for someone who has driven hybrids for most of his adult life. In our area, Costco gas prices are 40-70 cents per gallon cheaper than everywhere else, and getting 5% back on purchases at the cheapest gas station in our area is an offer that’s really hard to beat.
Rewards on gas for people with banking relationships
If you have a significant banking relationship (i.e. a large amount of deposits or investments), some banks will offer increased rewards on their credit cards. Here are some additional picks if you have large investment and/or deposit balances with certain banks.
Annual fee: $0
Bank of America® Customized Cash Rewards credit card
Up to 5.25% cash back on gas and EV charging.
Bonus rewards are based on a 3% base reward and a 1.75x relationship bonus multiplier and are subject to cap of $2,500 of quarterly spending.
Relationship bonus requires a $100k+ banking relationship.
Annual fee: $0
U.S. Bank Smartly™ Visa Signature® Card
Up to 4% cash back on all spending.
Bonus rewards are based on a 2% base reward and 2% bonus cash back.
Relationship bonus requires a $100k+ of qualifying deposits in checking and savings accounts with U.S. Bank.
Cards for earning transferable points on gas
If your credit card rewards strategy includes earning transferable points and transferring them to airline and hotel partners for high-value awards, here are additional cards that you should check out.
If you’re interested in cash back, be aware that many of these cards’ points either require jumping through significant hoops to redeem points for cash back-equivalent rewards at favorable rates.
Annual fee: annual_fees
American Express® Business Gold Card
The most Membership Rewards® points on gas.
4x Membership Rewards points in the two categories where your business spends the most each billing cycle on up to $150,000/year in spending, then 1x. Eligible categories include U.S. Gas Stations.
Learn more in our guide to the Amex Business Gold.
Get the card and earn a sign-up bonus.
Annual fee: $0
Citi Strata℠ Card
The most uncapped ThankYou Points on gas with no annual fee.
3x ThankYou Points at gas stations on an unlimited amount of spending.
Learn more in our guide to the Citi Strata card.
Get the card and earn a sign-up bonus.
Annual fee: $95
Citi Strata Premier℠ Card
The most uncapped ThankYou Points on gas on a premium ThankYou Points card.
3x ThankYou Points at supermarkets on an unlimited amount of spending.
Learn more in our guide to the Strata Premier.
Get the card and earn a sign-up bonus.
Annual fee: $0
Ink Business Cash® Credit Card
The most Chase Ultimate Rewards® points at gas stations.
Earn 2% cash back (awarded as Ultimate Rewards) on the first $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants.
Learn more in our guide to the Ink Cash.
Get the Ink Cash and earn a sign-up bonus.
