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TPG reader Cindy tweeted me to ask:

@thepointsguy– “What is the best credit card to use for gas purchases that allows you to transfer points to airlines?”

Even though gas prices have been coming down, you should still be maximizing and earning on gas purchases. There are plenty of credit cards out there that will give you cash back or discounts on gas (see my post on Maximizing Credit Card Bonus Categories), but if you’re looking to earn points you can later transfer over to airlines, I think there are two cards that would work best.

Even when gas prices are lower, it’s worth maximizing your purchases! Image courtesy of Shutterstock.

My first recommendation would be the Ink Plus Business Card from Chase. It’s a small business credit card that offers two Ultimate Rewards points for every dollar spent on gas up to $50,000 annually. You can then transfer these points over to partners like British Airways, Southwest, Korean, United, Hyatt, Marriott, and even Amtrak. Chase has been offering a sign-up bonus of 60,000 points after you spend $5,000 in the first three months; however, that bonus is set to expire very soon, so if you’re interested, don’t wait.

My second recommendation would be the Amex Everyday Preferred card from American Express. You can earn two points for every dollar spent on gas, as well as a 50% bonus if you make at least 30 transactions in a month (so it’s really like earning three points per dollar spent if you can hit that threshold). The Amex Membership Rewards points you’ll earn can be transferred to partners like British Airways and Delta (over 17 different airlines in total). Amex also often runs transfer bonuses, helping you to get even more out of your points.

Using these two cards, you can’t go wrong, especially if you are looking for transferable, flexible points!

If you have any other questions, please tweet me @thepointsguy, message me on Facebook, or send me an email at info@thepointsguy.com.

Chase Sapphire Preferred Card

With great transfer partners like United and Hyatt, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.

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More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
5.00%
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.