12 best gas credit cards of August 2026

Any small-business owner with significant spending in the eligible bonus categories — which include U.S. gas stations, U.S. restaurants, select technology providers and certain advertising purchases — can get great value from the Amex Business Gold card.

“No other card provides the earning potential and adaptability this card has. Sure, its $375 annual fee isn’t cheap, but I love the fact I don’t need to think about what purchases I put on this card. It will automatically adapt and provide 4 points per dollar in my top two spending categories each billing cycle.” — Ryan Smith, former credit cards writer

For a fixed earning rate and no annual fee (see rates and fees), go for the The Blue Business® Plus Credit Card from American Express. You’ll earn 2 Membership Rewards points per dollar spent on all purchases (on up to $50,000 in spending each calendar year, then 1 point per dollar).

The Citi Strata Premier is a good card for both occasional and frequent travelers who will take advantage of the annual $100 hotel credit and elevated travel bonus rates.

Even if you only travel a few times each year, this card basically pays for itself when you utilize its perks and benefits.

If you’re seeking a more premium travel card that earns miles instead of points, consider the Capital One Venture X Rewards Credit Card. The Venture X earns a flat rate of 2 miles per dollar spent across all purchases with the exception of 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel and 5 miles per dollar spent on flights and vacation rentals also booked within the Capital One Travel portal.

Credit card users that are looking for a simple introduction into the world of travel rewards would benefit from the Autograph’s lucrative earning structure, simple redemption options and no annual fee.

If you are looking to dip your toes into travel rewards, you are probably looking for a travel-focused card without a high annual fee and decent benefits. The Wells Fargo Autograph is a great card for new travelers, as it features bonus earning, cellphone protection and no annual fee. 

If you are looking for a card with more benefits, consider the Capital One Venture Rewards Credit Card. The miles earned can be redeemed for travel, and the card also comes with a reimbursement fee for Global Entry or TSA PreCheck®. It does feature a $95 annual fee. 

This card is an excellent choice for Citi ThankYou points enthusiasts who want to earn rewards across every purchase without incurring an annual fee.

If you frequently spend money at supermarkets, on transit, gas and EV charging stations and want to earn Citi ThankYou points without having to pay an annual fee, the Citi Strata should be in your wallet. It earns solid reward rates in popular bonus categories and a flat rate of 1 point per dollar spent in non-bonus categories, so you’re earning rewards every time you tap to pay.

If you don’t mind paying an annual fee and still want to stay in Citi’s ecosystem, consider the new Citi Strata Elite℠ Card. It features a hefty annual fee of $595 but offers decent value for travelers, like an up to $300 annual hotel benefit, Priority Pass Select membership and four Admirals Club lounge passes every calendar year. The Strata Elite also earns at least 1.5 points per dollar spent in nonbonus categories, making every purchase rewarding.

If you stay with Hilton’s brands fairly frequently, but not enough to achieve Gold elite status on your own, this card is a no-brainer. What’s more, it has high everyday earning rates to help you rack up even more points even more quickly, raking in 12 points per dollar on eligible purchases at Hilton hotels; 6 points per dollar at U.S. restaurants, U.S. gas stations and U.S. supermarkets; 4 points per dollar on U.S. online retail purchases; and 3 points per dollar on all other eligible purchases.

“This card is a keeper for me in large part because of the annual free-night-reward certificate I get after spending $15,000 in a calendar year. The elevated earning rates on everyday spending categories are also a good match for many of my purchases.” — Senitra Horbrook, former credit cards editor

Want many of the same benefits (and a sizable welcome offer) without having to pay an annual fee? Consider the Hilton Honors American Express Card instead (see rates and fees). It comes with complimentary Hilton Honors Silver elite status and earns 7 points per dollar on eligible purchases at Hilton hotels; 5 points per dollar at U.S. restaurants, U.S. gas stations and U.S. supermarkets; and 3 points per dollar on all other eligible purchases.

Small-business owners who prioritize Marriott properties for stays should consider adding this card to their business wallet. The $125 annual fee can easily pay for itself with the annual free night certificate. Not to mention, the additional perks of elite status and elevated earning rates add to its value.

“If I had to name one credit card I’ll never cancel, I’d choose this one. I love that its elite night credits stack with those from my personal Marriott credit card, and I can get far more value from the free night award than I pay for the card’s annual fee each year. This card has a permanent place in my wallet.” — Ryan Smith, former credit cards writer

If you are looking for a business hotel credit card but find your company frequents Hilton properties, consider The Hilton Honors American Express Business Card instead. The card offers many of the same perks as the Marriott Bonvoy Business and has a $0 introductory annual fee for the first year, then a $195 annual fee each year thereafter (see rates and fees).

Anyone seeking out cash-back rewards who would enjoy the flexibility of selecting your own cash back bonus category each month could find the Bank of America Customized Cash worthwhile. Those with spending habits that fluctuate could also find value in this customizable card with no annual fee. The card is also especially useful for Bank of America customers who qualify for the Preferred Rewards® program.

"This card is a great multipurpose tool in my wallet because it lets me pick a cash back earning category each month. If I know I have some purchases coming up that don’t line up to a card where I get a solid earning rate, I’ll swap my category and use this card to maximize my rewards. I also appreciate the clear information in the Bank of America app that shows me exactly what types of merchants line up into each spending category, so it’s easy to make my category choice." — Gabe Travers, senior director

If you’re an existing Bank of America customer looking for a card for gas that collects points instead of earning cash back, the Bank of America® Travel Rewards credit card offers 3 points per dollar on travel purchases booked through the Bank of American Traven Center and an unlimited 1.5 points per dollar on all purchases – along with a higher sign-up bonus than the Bank of America Customized Cash. Like the Bank of America Customized Cash, the Bank of America Travel Rewards credit card does not charge an annual fee.

With the Hilton Honors American Express card, you receive complimentary Silver elite status, which can be upgraded to Gold by spending $20,000 or more on the card in a calendar year. Additionally, you have the opportunity to earn bonus points not only on Hilton hotel stays but also on essential everyday purchases. These accumulated Hilton Honors points can then be redeemed for complimentary nights at your preferred properties, allowing you to make the most of your rewards.

“Long considered to be the best no annual fee hotel cobranded credit card, you can use Hilton Silver elite status to unlock the fifth night free on standard Hilton award stays. It’s one of the only ways to unlock elite status no annual fee. You can also earn bonus points on popular categories like Hilton hotels, U.S. restaurants, at U.S. supermarkets and at U.S. gas stations.” — Kyle Olsen, former points and miles reporter

By using the Hilton Honors American Express Surpass® Card, you can enjoy a generous earning rate of 12 points per dollar on eligible purchases spent at Hilton hotels. As an added benefit, the card grants automatic Gold status, providing you with valuable perks. Moreover, by making $15,000 worth of purchases in a calendar year, you have the opportunity to earn a complimentary night reward. The card also offers up to $200 in statement credits annually towards Hilton purchases, up to $50 per quarter.

For anyone who’s already a loyal shopper at the popular warehouse store, the Costco Anywhere Visa Card by Citi is a sensible choice as a gas card since it earns a high return (5% or 4% cash back) at the pump. It’s a good complement for anyone who already pays for a Costco membership, offering more rewards at the store on a frequent purchase. 

“I love that the Costco Anywhere Visa earns a healthy 3% on restaurants and eligible travel on top of 5% cash back at Costco gas stations since both are key spend categories for my household. As a Costco Executive member, I also love knowing that I earn 2% on all in-warehouse and Costco.com purchases with this card in addition to 1% cash back every time I tap my card wherever Visa is accepted. This card is a workhorse for earning cash back which is why it has become one I reach for again and again.” — Daisy Hernandez, credit cards editor

If you’re looking to get more cash back on gas and groceries with a card that isn’t directly affiliated with Costco, the Blue Cash Preferred® Card from American Express is a solid option, as you’ll earn 3% cash back on transit and on gas and U.S. gas stations as well as 6% at U.S. supermarkets (on up to $6,000 spent per calendar year; then 1%). Cash back earned in the form of Rewards Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

If you’re looking to earn cash back on multiple bonus categories without having to manage rotating categories, the Blue Cash Preferred is a solid option. The card is also a good choice for those looking for a low annual fee, as the Blue Cash Preferred offers a $0 introductory annual fee (then $95). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

"The Blue Cash Preferred Card is the card I recommended to my parents when they were looking for a new cash-back rewards card for their groceries. My parents prefer the simplicity of cash-back rewards and I knew they'd benefit from earning 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets. Compared to the 1.5% cash back they were earning on these purchases, the elevated earnings easily justified adding the Blue Cash Preferred to their wallet." — Katie Genter, senior points and miles writer

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

If you’re more interested in earning Amex points for gas purchases instead of cash back, the Amex EveryDay Preferred Credit Card earns 2 points per dollar spent at gas stations along with 3 points per dollar on supermarket purchases (up to $6,000 a year; then 1x). If you use the card 30 or more times in a billing period, you’ll earn 50% extra points on those purchases. 

The information for the Amex EveryDay Preferred 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. 

Those comfortable with managing rotating bonus categories will appreciate the high earnings rate on the Chase Freedom Flex when gas purchases are within the 5% cash back category. The card also comes with no annual fee and a solid bonus offer, as new Freedom Flex applicants can earn $200 after spending $500 in the first three months from account opening.

"As a points and miles enthusiast, I’m happy to keep up with the rotating quarterly categories that earn 5% cash back. I get the most value from this card when I can max out the $1,500 quarterly limit on Amazon, Target and PayPal purchases. My top tip for this card is to make sure that you ‘activate’ the categories every quarter so that you can maximize your points earning." — Matt Moffitt, managing editor

If you’re interested in earning Chase Ultimate Rewards at a flat rate, the Chase Freedom Unlimited® is a good option. With no annual fee, it earns at least 1.5% on all purchases, so you wouldn’t need to concern yourself with rotating bonus categories. 

Even travelers who only stay at IHG properties a couple of times a year should get a ton of use out of this card. For one, the award night certificate can justify the annual fee. Its earning rates of up to 26 points per dollar at IHG properties (10 points from this card, 10 points from being an IHG One Rewards member and 6 points from being a Platinum Elite, a benefit from this card); 5 points per dollar on travel, gas station and restaurant purchases; and 3 points per dollar everywhere else also mean you’ll accrue points quickly for even more stays.

“Having the IHG One Rewards Premier Credit Card unlocks one of my favorite credit card perks: IHG's fourth-night reward. This card benefit makes every fourth night cost zero points on stays of four nights or longer when I redeem IHG points. Plus, the card gives me an anniversary night worth up to 40,000 points every year, which is worth enough alone to justify paying the annual fee.” — Katie Genter, senior writer

If you like the IHG One Rewards program but aren’t convinced you need a card with an annual fee, think about carrying the IHG One Rewards Traveler Credit Card instead. It often posts high welcome offers and has strong earning rates of its own along with conferring Silver elite status … all for $0 per year.

Small business owners who are Wyndham loyalists could greatly benefit from this card’s reward rates and benefits.

“The Wyndham Rewards Earner Business Card is my go-to for gas purchases due to its massive 8 points per dollar spent. Especially when traveling by RV around the southeastern U.S., I enjoy racking up Wyndham points quickly on gas purchases. Best of all, I can earn enough points for a free night after buying just $844 at gas stations with my card.” – Katie Genter, senior points and miles writer

If you want a similar Wyndham credit card but prefer a lower annual fee Wyndham card, consider the Wyndham Rewards Earner® Plus Card.

Anyone who stays at Wyndham properties can find value in the card’s automatic elite status and additional perks. 

If you frequent Wyndham properties, the Wyndham Rewards Earner Plus allows you to unlock higher earning rates and receive a discount on award nights. This can provide tremendous value for your wallet.

If you like the idea of a no annual fee card but want to earn transferable rewards for added flexibility, consider the Capital One VentureOne Rewards Credit Card (see rates and fees). Capital One Miles can be redeemed with any of Capital One’s 15-plus transfer partners, including Wyndham Rewards.

The U.S. Bank Altitude® Connect Visa Signature® Card* is great for travelers who are looking to get into the travel rewards world but are not yet ready to commit to an annual fee.

It is a good choice for new travelers who are looking for a travel credit card that has no annual fee, no foreign transaction fees and can earn them some rewards on their next travel trip. Additionally, it comes with travel protection like trip cancellation and insurance — making it a great travel companion.

If you’re looking for a travel credit card with a few more perks and don’t mind an annual fee, Chase Sapphire Preferred® Card. The card comes with a $95 annual fee but also earns 5 Chase Ultimate Rewards points on travel purchased through Chase Travel℠ and 3 Chase Ultimate Rewards points per dollar spent on dining, select streaming services and more — all of which are transferable to any of Chase’s transfer partners.