The best credit cards for gas – Up to 5% cash back on gas

If you are on the road frequently, you might want a credit card that offers increased rewards for purchases of gasoline. Several credit cards will give you 3% cash back or more on gas purchases with no annual fee, but in some cases you can get 4% or even 5% back on your gas purchases.

Here’s our take on the best credit cards for gas purchases.

Overview of the best gas credit cards

Here’s our short-list of the best gas credit cards. The cards on this list will give you the most total rewards on your gas purchases.

Card	Rewards on Bonus Categories	This card might be best for you if…
Citi Custom Cash℠ Card Annual fee: $0	5% cash back on the first $500 of spending each month in the eligible category, in which you spend the most. Eligible categories include gas.	You spend less than $500 each month on gas and use the card exclusively for gas.
Costco Anywhere Visa® Card by Citi Annual fee: $0	4% cash back on eligible gas and EV charging for the first $7,000 per year, 1% thereafter. 3% on restaurants and eligible travel.	You have a Costco membership.
U.S. Bank Altitude Connect Card Annual fee: $0 intro annual fee in the first year, then $95	4x points on gas and EV charging. 5x points on prepaid hotels and car rentals booked in the Altitude Rewards Center. 4x points on travel. Points are redeemable for cash back at 1 cent/point.	You spend more than $10,000 a year on travel, gas and EV charging.
Wells Fargo Autograph℠ Card Annual fee: $0	3x points on gas stations and electric vehicle charging stations. 3x points on restaurants, travel, transit, select streaming, and phone plans. Points are redeemable for cash back at 1 cent/point.	You want a single card that offers 3x points on gas and in other categories.
Blue Cash Preferred® Card from American Express Annual fee: $0 intro annual fee in the first year, then $95	3% cash back at U.S. gas stations. 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases. 6% cash back on select U.S. streaming subscriptions. 3% cash back on transit.	You want a card that earns rewards on groceries and gas.
Blue Cash Everyday® Card from American Express Annual fee: $0	3% cash back at U.S. gas stations, on up to $6,000 per year, then 1%. 3% cash back at U.S. supermarkets, on up to $6,000 per year. 3% cash back on U.S. online retail purchases, on up to $6,000 per year.	You don’t spend more than $6,000 annually on gas and you want some additional rewards on groceries and online shopping.
Citi Premier® Card Annual fee: $95	3x ThankYou Points at gas stations. 3x at restaurants, supermarkets, air travel, and hotels.	You want 3x points on a variety of travel and everyday categories.

How we select the best cards for gas

For our best lists, our cards must be better than our theoretical benchmark card. For our gas cards, our theoretical card offers 3% or better rewards on an uncapped amount of spending on gas, with no annual fee.

If a card has an annual fee or a rewards cap, we will consider the card for our list if there’s a scenario in which you can earn more rewards than our benchmark card, when taking into account the annual fee.

The best 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 gas

The Citi Custom Cash℠ Card isn’t marketed as a gas card per se, but if you use it for gas, you can get up to 5% back on up to $500 in gas purchases monthly. If you spend less than $500 each year on gas, the Citi Custom Cash card might be your best bet.

The Citi Custom Cash℠ Card offers 5% cash back on up to $500 in spending on the category where you spend the most each month. Eligible categories include restaurants, gas stations, grocery stores, drugstores, home improvement stores, fitness clubs, live entertainment, select travel, select transit and select streaming services. The Custom Cash carries no annual fee.

The best way to use the Citi Custom Cash℠ Card is to select a bonus category and use the card primarily for that bonus category. The card earns 5% rewards only in the eligible category where you spend the most each month, and only on your first $500 in spending in that category. Other purchases earn 1% rewards.

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

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.

The Costco Anywhere Visa^® Card by Citi is available exclusively to Costco members. But if you carry a Costco membership, this card is a wallet staple for its increased rewards on gas, EV charging, restaurants and travel. The Costco Anywhere Visa^® has no annual fee, but requires an annual Costco membership.

The card earns 4% back on eligible gas and EV charging on the first $7,000 of spending each year, plus unlimited 3% on restaurants and travel, including Costco travel. You’ll also earn 2% rewards on your other purchases from Costco and Costco.com. Notably, these rewards are in addition to the 2% rewards you can earn as a Costco executive member. Finally, the card earns 1% on all other purchases.

The Costco Anywhere Visa^® Card rewards are marketed as “cash back,” but redeeming them is…quirky. You’ll receive your rewards as a Costco Cash certificate after your February statement. This certificate can be redeemed for merchandise or Cash only at a Costco location.

The Costco Anywhere Visa^® Card by Citi doesn’t have too many other notable benefits, but it does offer Damage and Theft Purchase protection, which can cover your purchases if they are damaged or stolen within 120 days. The card notably no longer offers extended warranty coverage, though some items may receive an extended warranty through Costco Concierge Services.

If you are a small business owner, you can pick up the Costco Anywhere Visa^® Business Credit Card by Citi, which offers the same cash back rewards.

U.S. Bank Altitude Connect Card – 4% on a large amount of gas

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.

The U.S. Bank Altitude Connect Card offers some of the most generous point earning rates on travel, gas stations, and EV charging of any card. The card comes with a $0 introductory annual fee for the first year, then $95/year.

The card features 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, plus 4x points on travel, gas stations, and EV charging stations. The Altitude Connect also offers 2x points at grocery stores, grocery delivery, dining, and streaming services, plus 1x points on all other purchases.

The U.S. Bank Altitude Connect also offers a fairly generous set of travel benefits for the price, and is one of the lowest-cost ways to access airport lounges if you travel occasionally. With the U.S. Bank Altitude Connect, you’ll get four free visits to airport lounges through the card’s included Priority Pass Select membership, a $100 credit toward PreCheck or Global Entry once every four years, cell phone protection, and trip delay reimbursement.

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

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

The Wells Fargo Autograph℠ Card offers generous cash rewards on a wide variety of dining, travel, gas, transit, streaming, and cell phone plan purchases. The Autograph℠ Card carries no annual fee.

The card earns unlimited 3x points on a long list of categories, including restaurants, travel, gas, transit, popular streaming services and phone plans. The Autograph℠ Card earns 1 point per dollar on all other eligible purchases.

You can get your rewards as a deposit to a qualifying redemption account, a paper check, or cash via a Wells Fargo ATM. If you prefer, you can set up your account to automatically redeem your rewards. Automatic rewards and rewards issued by check must be issued in $25/2,500 point increments. You can redeem as little as 1 point if you request a redemption to a redemption account.

The Wells Fargo Autograph℠ Card doesn’t offer any extended warranty protection, but it does offer $600 of cellular telephone protection when you pay your monthly cell phone bill with the card. The card also offers secondary auto rental collision damage waiver insurance for car rentals inside the United States. Outside the U.S. the auto rental collision damage waiver insurance is primary. Terms apply.

Other cards to consider

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

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.

The Blue Cash Everyday® Card from American Express is the no-annual-fee younger sibling of the Blue Cash Preferred Card. (Terms apply, see Rates and Fees)

The Blue Cash Everyday offers 3% cash back rewards on up to $6,000 per year in each of its bonus categories: U.S. Supermarkets, U.S. online retail, and U.S. gas stations. Plus it offers 1% cash back on other eligible purchases.

The card also offers subscribers to The Disney Bundle a $7 monthly statement credit and Home Chef customers up to $15 a month. Terms apply to all benefits.

---

Learn more and apply for the Blue Cash Everyday® Card from American Express. – Earn $250 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.

---

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

If you want rewards on grocery store purchases and a good extended warranty benefit in addition to 3% cash back on gas purchases, take a look at the Blue Cash Preferred® Card from American Express.

The Blue Cash Preferred® Card from American Express is the upgraded version of the Blue Cash Everyday® Card from American Express, offering increased rewards on purchases at U.S. supermarkets, select U.S. streaming subscriptions, and U.S. gas stations. It comes with a $0 introductory fee for the first year, then $95/year. (Terms apply. See Rates and Fees)

The card offers 6% cash back at U.S. supermarkets on up to $6,000 in purchases per year, plus 6% back on a long list of streaming providers. The card earns unlimited 3% cash back on U.S. gas stations and on transit. Other eligible purchases earn 1% cash back.

The Blue Cash Preferred® can be a great choice to use for retail purchases, as it offers the trifecta of retail insurance benefits: Purchase protection, return protection, and extended warranty. Terms apply to all benefits.

---

Learn more and apply for the Blue Cash Preferred® Card from American Express. – Earn $250 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.

---

Citi Premier® Card – Lots of 3x categories and transferable points

If you want gas rewards that can be transferred to airline and hotel travel partners, the Citi Premier card might be a good choice. The Citi Premier offers a long list of 3x categories in addition to gas rewards, plus travel transfer partners that can unlock additional value from your points.

The Citi Premier® Card is a core card of the Ultimate Citi ThankYou Points Wallet. It offers generous rewards on travel spending, dining and grocery stores. While the Premier offers great rewards, it lacks many of the travel insurance protections common among travel credit cards. The Citi Premier card carries an annual fee of $95.

The Citi Premier® Card offers a long list of 3x bonus categories, including hotels purchases, air travel, restaurants, supermarkets and gas stations. Plus, until 6/30/2024, you can earn 10 total points per dollar spent on hotels, car rentals, and attractions, excluding air travel, booked through the Citi Travel^SM portal. The card earns 1 point per dollar spent on other purchases. Points are earned as ThankYou Points, which can be redeemed for cash back or transferred to travel partners for additional value.

The Citi Premier® Card is notably light on the travel benefits that you might expect from a premium travel credit card; it does not include essentials like trip delay protection, auto rental collision damage waiver, or extended warranty benefits. The card does include $100 off a single hotel stay of $500 or more when you book through thankyou.com.

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 maybe there’s another card that caps earnings on gas, but 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.

Rotating category cards – Discover It, Chase Freedom Flex, Citi Dividend

The Discover It card, the Chase Freedom Flex and the Citi Dividend card all offer 5% cash back on categories that rotate quarterly. These cards frequently include gas stations among their rotating categories, so if you hold on of these cards, look out for opportunities to earn 5% cash back on your gas. None of these cards carries an annual fee.

Frequently asked questions