The best cards EV owners should add to their wallet
Every day, an auto manufacturer seems to release a new electric vehicle. EVs are certainly popular right now. Unlike traditional cars, you can skip the gas pump, but electric vehicles do have to be charged, either at charging stations or at home.
If you're like me (and most EV owners), you often need to charge your car at public EV charging stations. To make the most of this unavoidable expense, it's smart to pay with a credit card that earns bonus rewards for EV charging. I stop by a charging station several times a week, and since I can't avoid the cost, I make sure to maximize my spending by earning extra rewards every time.
Below, I've compiled a list of eight of the best cards for EV charging. In addition to these cards making it possible to earn the most rewards on these purchases, none of them have annual fees over $100. In fact, most have no annual fee whatsoever.
Let's jump into the details.
Comparison of the best cards for EV charging
| Card | Welcome offer | Earning rates on EV charging | Annual fee |
|---|---|---|---|
Earn a $200 online cash rewards bonus after spending $1,000 on purchases within the first 90 days of account opening. | Earn 6% cash back (for the first year, then 3% back thereafter) on the first $2,500 in combined purchases each quarter on select categories, including EV charging stations. | $0 | |
Earn $200 after spending $500 on purchases in the first three months from account opening. | Earn 5% cash back on up to $1,500 spent on EV charging when included as a quarterly rotating category (then 1% back thereafter; activation required).
If EV charging stations are not a rotating category that quarter, then you'll earn 1% cash back. | $0 | |
Earn 60,000 bonus points after spending $4,000 on purchases in the first three months of account opening. | Earn an unlimited 3 points per dollar spent at EV charging stations. | $95 | |
N/A. | Earn 4% cash back at EV charging stations on up to $7,000 in combined spending per year (then 1% back thereafter). | $0 (requires a Costco membership) | |
PenFed Platinum Rewards Visa Signature® Card | Earn 15,000 bonus points after spending $1,500 on purchases in the first 90 days of account opening.
| Earn an unlimited 5 points per dollar spent at EV charging stations. | $0 |
Wells Fargo Attune® Card | Earn a $100 cash rewards bonus after spending $500 on purchases in the first three months of account opening. | Earn an unlimited 4% cash back at EV charging stations. | $0 |
Earn 20,000 bonus points after spending $1,000 on purchases in the first three months of account opening. | Earn an unlimited 3 points per dollar spent at EV charging stations. | $0 | |
Earn a $200 bonus after spending $1,000 on purchases within 90 days of account opening. | Earn 5% cash back on two categories of your choice, including EV charging, on combined purchases of up to $2,000 each quarter (then 1% back thereafter). | $0 |
The information for the PenFed Platinum Rewards Visa Signature, the Wells Fargo Attune and the U.S. Bank Cash+ cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Bank of America Customized Cash Rewards credit card
Welcome offer: Earn a $200 online cash rewards bonus after spending $1,000 on purchases within the first 90 days of account opening.
Annual fee: $0.
Earning rates:
- Earn 6% cash back (for the first year, then 3% thereafter) on one of the following categories: dining, drugstores, home improvement/furnishings, gas and electric vehicle charging stations, online shopping (including cable, streaming, internet and phone services) and travel.*
- Earn 2% cash back at grocery stores and wholesale clubs.*
- Earn 1% cash back on all other purchases.
*There is a combined quarterly spending cap of $2,500; after that, you'll earn 1% cash back.
Why we like it: The Customized Cash has higher quarterly spending caps than other competitor cards. During the first year, you could earn 6% cash back on EV charging on up to $2,500 spent each quarter. Plus, if you're a member of the Bank of America Preferred Rewards® program, you can earn up to 75% more cash back.
However, after the first year, there may be better options, as other cards earn an unlimited 3% in rewards on EV charging.
For more details, read our full review of the Bank of America Customized Cash.
Apply here: Bank of America Customized Cash Rewards credit card
Related: 5 reasons to keep a cash-back credit card in your wallet
Chase Freedom Flex
Welcome offer: Earn $200 after spending $500 on purchases in the first three months from account opening.
Annual fee: $0.
Earning rates:
- Earn 5% cash back on up to the first $1,500 spent on rotating categories each quarter (activation required).
- Earn 5% cash back on travel booked through Chase Travel℠.
- Earn 3% cash back on dining (including takeout and eligible delivery services).
- Earn 3% cash back on drugstore purchases.
- Earn 2% cash back on Lyft rides (through Sept. 30, 2027).
- Earn 1% cash back on all other purchases.
Why we like it: This card is a solid option for everyday spending, as you'll earn at least 1% cash back on all purchases. However, you can do better on EV charging unless it's part of the 5% quarterly rotating categories. (Activation is required.) The current categories for the third quarter include EV charging, gas, Instacart and select live entertainment.
Plus, if you pair this card with an Ultimate Rewards-earning card like the Chase Sapphire Preferred® Card (see rates and fees), you convert cash back to points and have access to Chase's impressive roster of 14 travel partners.
For more details, read our full review of the Chase Freedom Flex.
Apply here: Chase Freedom Flex
Related: 4 reasons why I recommend the Chase Freedom Flex to beginners
Citi Strata Premier Card
Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first three months of account opening. Based on TPG's August 2025 valuations, this bonus is worth $1,140.
Annual fee: $95.
Earning rates:
- Earn 10 points per dollar spent on hotels, car rentals and attractions booked through the Citi Travel portal.
- Earn 3 points per dollar spent on purchases in the following categories: air travel, EV charging stations, gas stations, hotels, supermarkets and restaurants (including takeout).
- Earn 1 point per dollar spent on all other purchases.
Why we like it: For a modest $95 annual fee, you'll earn an unlimited 3 points per dollar spent on EV charging. Additionally, you'll earn 3 points per dollar spent at supermarkets. Since most EV chargers are at or near supermarkets, you can do your grocery shopping while charging your car and supercharge your earnings. Plus, this card offers some solid travel protections, and points are fully transferable to any of Citi's travel partners.
Personally, I am considering adding this card to my wallet next, especially since Citi recently added American Airlines as a transfer partner.
For more details, read our full review of the Citi Strata Premier.
Apply here: Citi Strata Premier Card
Related: When (and why) you should downgrade from the Citi Strata Premier to the Citi Strata Card
Costco Anywhere Visa Card
Welcome offer: None, but you may be able to receive a welcome offer if you apply in a Costco warehouse.
Annual fee: $0 (Costco membership is required).
Earning rates:
- Earn 5% cash back on gas at Costco and 4% cash back on other gas and EV charging purchases on up to $7,000 in combined spending per year, then 1% cash back thereafter.
- Earn 3% cash back at restaurants and on eligible travel purchases, including Costco Travel.
- Earn 2% cash back on all other Costco purchases.
- Earn 1% cash back on all other purchases.
Why we like it: Cardholders can earn 4% cash back on EV charging on up to $7,000 spent per year. Plus, if you shop at Costco frequently, you can earn bonus cash back on any purchases made at the wholesaler.
The only drawback of this card is that it requires a Costco membership, which costs at least $65 per year. Additionally, cash back is only issued once per year, which is not ideal for those who like to use their earned rewards monthly. The cash back you earn is also issued as a reward certificate; to receive cash for your cash back, you'll have to go into a physical Costco location to redeem the reward certificate.
For more details, read our full review of the Costco Anywhere Visa.
Apply here: Costco Anywhere Visa Card
Related: How my Costco Anywhere Visa Card by Citi is a workhorse when it comes to cash back
PenFed Platinum Rewards Visa Signature Card
Welcome offer: Earn 15,000 bonus points after spending $1,500 on purchases in the first 90 days of account opening.
Annual fee: $0.
Earning rates:
- Earn 5 points per dollar spent on gas paid at the pump and at EV charging stations.
- Earn 3 points per dollar spent at supermarkets (including most Target and Walmart locations) and restaurants, and on TV, radio, cable and streaming services.
- Earn 1 point per dollar spent on all other purchases.
Why we like it: EV owners will enjoy earning an unlimited 5 points per dollar spent on EV charging. Plus, the supermarket category includes most Target and Walmart locations, something typically not found on most credit cards. Plus, the card has cellphone protection and no foreign transaction fees, which is almost unheard of to have together on a no-annual-fee card.
The only downside is quite a big one: Points can't be redeemed for cash back, and there are no transfer partners. Points can only be redeemed for gift cards, shopping or travel booked through PenFed's rewards portal at a rate of less than 1 cent per point.
That said, you don't have to be a PenFed member to apply for a credit card.
Wells Fargo Attune Card
Welcome offer: Earn a $100 cash rewards bonus after spending $500 on purchases in the first three months of account opening.
Annual fee: $0.
Earning rates:
- Earn 4% cash back on self-care, including beauty and barbershops; gym memberships and fitness studios; health and beauty spas; and massage parlors.
- Earn 4% cash back on sports, recreation and entertainment.
- Earn 4% cash back on planet-friendly purchases, including antiques and secondhand stores, EV charging stations and public transit (such as buses, ferries and trains).
Why we like it: The Wells Fargo Attune is another excellent cash-back option with no annual fee for EV owners. You'll earn an unlimited 4% cash back on purchases categorized as "planet-friendly purchases," including EV charging. Plus, there's a laundry list of other unique categories usually excluded from bonus earnings that you can earn 4% cash back on.
Additionally, if you pair this card with an Autograph card, you can convert your cash back to points and have access to Wells Fargo's transfer partners.
Related: Best Wells Fargo credit cards
Wells Fargo Autograph Card
Welcome offer: Earn 20,000 bonus points after spending $1,000 on purchases in the first three months of account opening.
Annual fee: $0.
Earning rates:
- 3 points per dollar spent on dining (includes takeout, catering and food delivery services).
- 3 points per dollar spent on travel (airfare, hotels, car rentals, cruises and more).
- 3 points per dollar spent at gas stations and EV charging stations.
- 3 points per dollar spent on transit, eligible streaming services and phone plans.
- 1 point per dollar spent on other purchases.
Why we like it: EV owners will earn an unlimited 3 points per dollar spent on EV charging with no annual fee. Plus, several other useful everyday spending bonus categories offer an unlimited 3 points per dollar. These points can be transferred to Wells Fargo's small but mighty roster of seven transfer partners.
For more details, read our full review of the Wells Fargo Autograph.
Apply here: Wells Fargo Autograph Card
Related: Wells Fargo Autograph vs. Autograph Journey: Should you pay an annual fee for more benefits?
U.S. Bank Cash+ Visa Signature Card
Welcome offer: Earn a $200 bonus after spending $1,000 on purchases within 90 days of account opening.
Annual fee: $0.
Earning rates:
- Earn 5% cash back on prepaid air, hotel and car reservations booked through the U.S. Bank Rewards Travel Center.
- Earn 5% cash back on up to $2,000 spent in two categories of your choice each quarter, then 1% cash back thereafter. Available categories include cellphone providers, department stores, electronic stores, fast food, furniture stores, ground transportation, gyms and fitness centers, home utilities, movie theaters, select clothing stores, sporting goods stores and TV, internet and streaming.
- Earn 1% cash back on all other purchases.
Why we like it: With this card, you can select two quarterly 5% cash-back categories to use for purchases totaling up to $2,000. This is nice because it allows you to earn an additional 5% on another category, as it is unlikely you'll spend $2,000 on EV charging per quarter unless you're a true road warrior.
For more details, read our full review of the U.S. Bank Cash+.
Related: Why you may want a cash-back card
Consider a flat-rate earning card
If none of the options above appeal to you, consider a flat-rate earning card, also commonly referred to as a catchall card. These cards typically earn the same rate on all purchases, including EV charging, meaning you don't have to remember bonus categories and ensure you're using the right card for each purchase.
Some of our top picks include:
- Apple Card: Earn 2% cash back on all purchases when you pay with Apple Pay.
- Bank of America® Unlimited Cash Rewards credit card: Earn 2% cash back on all purchases in the first year, then 1.5% cash back thereafter. You may be able to earn even more cash back if you're a Preferred Rewards member.
- Capital One Venture Rewards Credit Card: Earn at least 2 miles per dollar spent on all purchases.
- Capital One VentureOne Rewards Credit Card: Earn at least 1.25 miles per dollar spent on all purchases.
- Capital One Quicksilver Cash Rewards Credit Card: Earn at least 1.5% cash back on all purchases.
- Chase Freedom Unlimited® (see rates and fees): Earn at least 1.5% cash back on all purchases.
- Citi Double Cash® Card (see rates and fees): Earn 1% cash back when you buy and another 1% cash back when you pay for your purchases.
- Wells Fargo Active Cash® Card (see rates and fees): Earn 2% cash rewards on purchases.
The information for the Apple Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: The best credit cards to add to your wallet
What if I charge at home?
For EV owners who charge their car at home, their utility company will usually bill them. Therefore, many of the options listed above would most likely only earn 1% in rewards.
If you charge at home most frequently, my pick is the Venmo Credit Card. With this card, you'll earn 3% cash back in the category you spend the most in, including utilities. You don't have to select any categories, and Venmo will automatically change this category based on your spending patterns.
This was my go-to EV charging card when I previously lived in a townhome and charged my car in my garage since all my charging costs were funneled through my electric bill.
The information for the Venmo Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The U.S. Bank Cash+ is another solid option. You can select home utilities as one of your two quarterly categories and earn 5% cash back on purchases totaling up to $2,000.
Lastly, you could use any of the flat-rate cards mentioned above to cover utility purchases.
Related: Cash back vs. travel rewards: How to choose a credit card
Bottom line
Owning an electric vehicle can save you hundreds each year by not having to go to the gas pump. However, you will have to stop at EV charging stations to keep your car powered.
Adding one of these cards to your wallet can ensure you're maximizing the rewards you earn the next time you plug your car in.
Related: The best gas credit cards to add to your wallet
Updated 12/4/25
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees