Best credit cards for gas purchases

This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Americans typically spend a lot of time in their cars — so much time that gasoline purchases usually make up 3.3% of annual household expenses. To help with that, here are the best credit cards for gas purchases from our partners.

Best for earning Citi points
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4/5
1 - 3X points
more info
  • 3X Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • 3X Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • 1X Earn 1 Point per $1 spent on all other purchases
  • 3X Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • 3X Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • 1X Earn 1 Point per $1 spent on all other purchases
80,000 points
details Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Intro Bonus tooltip Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
80,000 points
$95

Why we chose it

The Citi Premier Card is one of the best starter travel rewards cards due to its gracious amount of bonus spend categories. You’ll not only earn triple points on air travel and hotel, but also on restaurants, supermarkets and gas stations — offering plenty of opportunities to earn on your everyday purchases. Best of all, your points are flexible and can transfer to a variety of frequent flyer programs in every airline alliance. Finally, enjoy an annual $100 hotel savings benefit through Citi on single-stay bookings of $500 or more (excluding taxes and fees).

Pros

  • Earns 3x points on restaurants, supermarkets, gas stations, air travel and hotels.
  • $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more booked through thankyou.com).
  • Points transfer to 16 airline programs, from JetBlue to Virgin Atlantic.
  • World Elite Mastercard benefits, extended warranty, damage and theft protection.

Cons

  • $95 annual fee.
  • Lacks travel protections that other travel rewards cards come with.
  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Pros

  • Earns 3x points on restaurants, supermarkets, gas stations, air travel and hotels.
  • $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more booked through thankyou.com).
  • Points transfer to 16 airline programs, from JetBlue to Virgin Atlantic.
  • World Elite Mastercard benefits, extended warranty, damage and theft protection.

Cons

  • $95 annual fee.
  • Lacks travel protections that other travel rewards cards come with.
  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Best for rotating bonuses
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
3.5/5
1 - 5% cash-back
more info
  • 5% Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3% Earn 3% on dining and drugstores.
  • 1% Earn 1% on all other purchases.
  • 5% Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3% Earn 3% on dining and drugstores.
  • 1% Earn 1% on all other purchases.
$200
details Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Intro Bonus tooltip Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0

Why we chose it

The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about.

Pros

  • The generous sign-up bonus is impressive for a no annual fee card.
  • The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
  • Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.

Cons

  • You must remember to activate your bonus categories quarterly or risk not earning 5x on select purchases.
  • This card charges foreign transaction fees so it's best to use it within the U.S.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

Pros

  • The generous sign-up bonus is impressive for a no annual fee card.
  • The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
  • Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.

Cons

  • You must remember to activate your bonus categories quarterly or risk not earning 5x on select purchases.
  • This card charges foreign transaction fees so it's best to use it within the U.S.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Apply now for Blue Cash Preferred® Card from American Express at American Express's secure site Terms & restrictions apply. See rates & fees
Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4/5
1 - 6% cash-back
more info
  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% 6% Cash Back on select U.S. streaming subscriptions
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases
  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% 6% Cash Back on select U.S. streaming subscriptions
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases
Up to $350
details Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
Intro Bonus tooltip Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
Up to $350
$0 introductory annual fee for the first year, then $95.

Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • The card comes with access to Amex Offers, which can save you even more money on specific purchases. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • The card comes with access to Amex Offers, which can save you even more money on specific purchases. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees
Best for earning Chase points
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4/5
1.5 - 5% cash-back
more info
  • 5% Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3% Earn 3% on dining and drugstores.
  • 1.5% Earn unlimited 1.5% cash back on all other purchases.
  • 5% Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3% Earn 3% on dining and drugstores.
  • 1.5% Earn unlimited 1.5% cash back on all other purchases.
$200
details Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Intro Bonus tooltip Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0

Why we chose it

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories.
  • There is no annual fee.
  • Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.

Cons

  • There is a 3% foreign transaction fee so the card shouldn't be used abroad.
  • Limited card perks and benefits.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories.
  • There is no annual fee.
  • Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.

Cons

  • There is a 3% foreign transaction fee so the card shouldn't be used abroad.
  • Limited card perks and benefits.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
3/5
1 - 4% cash-back
more info
  • 4% 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% 3% cash back on restaurants and eligible travel purchases
  • 2% 2% cash back on all other purchases from Costco and Costco.com
  • 1% 1% cash back on all other purchases
  • 4% 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% 3% cash back on restaurants and eligible travel purchases
  • 2% 2% cash back on all other purchases from Costco and Costco.com
  • 1% 1% cash back on all other purchases
no offer
Intro Bonus
no offer
$0

Why we chose it

As long as you’re a member, the Costco Anywhere Visa Card is one of the best store credit cards on the market. This card is a solid way to earn rewards across a wide range of purchases, including eligible gas, restaurants, eligible travel and at Costco.

Pros

  • Purchase protection
  • 4% cash back on eligible gas (on up to $7,000 per year; then 1%), 3% back at restaurants and on eligible travel purchases, 2% back on in-store and online Costco purchases.

Cons

  • Doesn't make sense if you're not a Costco shopper.
  • Cash back can only be redeemed in the form of a reward certificate.
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.

Pros

  • Purchase protection
  • 4% cash back on eligible gas (on up to $7,000 per year; then 1%), 3% back at restaurants and on eligible travel purchases, 2% back on in-store and online Costco purchases.

Cons

  • Doesn't make sense if you're not a Costco shopper.
  • Cash back can only be redeemed in the form of a reward certificate.
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.
Apply now for Hilton Honors American Express Surpass® Card at American Express's secure site Terms & restrictions apply. See rates & fees
Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
3.5/5
3 - 12X points
more info
  • 12X Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • 6X Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • 3X Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
  • 12X Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • 6X Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • 3X Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Up to 180,000 Points
details Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
Intro Bonus tooltip Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
Up to 180,000 Points
$95

Why we chose it

The Hilton Honors Surpass Card stands out in the crowded mid-tier category of cobranded hotel credit cards. It comes with elite-like perks at a reasonable annual fee. New cardholders can earn up to a generous 180,000 bonus points after spending $10,000 on eligible purchases within the first six months of card membership. 

Pros

  • Reasonable annual fee.
  • 12x points on eligible Hilton purchases; 6x at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3x on other eligible purchases.
  • Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year.
  • Solid perks including 10 Priority Pass visits a year, secondary car rental insurance, extended warranty, return protection and theft and accidental damage purchase protection. Nice perks for less-frequent travelers. (Enrollment required for select benefits)

Cons

  • No travel credits.
  • No chart to redeem points at Hilton properties.
  • Ties you to Hilton properties.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • Reasonable annual fee.
  • 12x points on eligible Hilton purchases; 6x at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3x on other eligible purchases.
  • Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year.
  • Solid perks including 10 Priority Pass visits a year, secondary car rental insurance, extended warranty, return protection and theft and accidental damage purchase protection. Nice perks for less-frequent travelers. (Enrollment required for select benefits)

Cons

  • No travel credits.
  • No chart to redeem points at Hilton properties.
  • Ties you to Hilton properties.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
3.5/5
1 - 3% cash-back
more info
  • 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 1% Earn unlimited 1% on all other purchases.
  • 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 1% Earn unlimited 1% on all other purchases.
$200
details $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro Bonus tooltip $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200
$0

Why we chose it

While many credit cards offer bonus points for set categories, the Bank of America Customized Cash lets you maximize your spending based on your lifestyle. You get to choose 3% cash back in the category of your choice each calendar month — from gas, online shopping, dining, home improvements and more — then 2% back on groceries and wholesale clubs (for the first $2,500 combined purchases each quarter) and 1% on everything else. For example, if you have a home improvement project, you can set your 3% bonus category to that one month and switch it to gas next month if you’re going on a roadtrip. There’s no annual fee with this card, personalized to how you want to spend.

Pros

  • No annual fee.
  • Earn $200 in cash rewards after spending $1,000 or more in the first 90 days of account opening.
  • Earn 3% on the category of your choice each month, 2% on groceries and wholesale clubs (for a maximum of $2,500 each quarter) and 1% on everything else.

Cons

  • Charges a 3% foreign transaction fee -- not the ideal card to bring for traveling.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Pros

  • No annual fee.
  • Earn $200 in cash rewards after spending $1,000 or more in the first 90 days of account opening.
  • Earn 3% on the category of your choice each month, 2% on groceries and wholesale clubs (for a maximum of $2,500 each quarter) and 1% on everything else.

Cons

  • Charges a 3% foreign transaction fee -- not the ideal card to bring for traveling.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

More on the best credit cards for gas in July 2021

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
Citi Premier® Card Best for earning Citi points 80,000 points
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
$95
Chase Freedom Flex℠ Best for rotating bonuses $200
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • Earn 3% on dining and drugstores.
  • Earn 1% on all other purchases.
$0
Blue Cash Preferred® Card from American Express Best for families Up to $350
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases
$0 introductory annual fee for the first year, then $95.
Chase Freedom Unlimited® Best for earning Chase points $200
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • Earn 3% on dining and drugstores.
  • Earn unlimited 1.5% cash back on all other purchases.
$0
Costco Anywhere Visa® Card by Citi Best for Costco members N/A
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
$0
Hilton Honors American Express Surpass® Card Best for road trips Up to 180,000 Points
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
$95
Bank of America® Customized Cash Rewards credit card Best for tiered rewards $200
  • Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • Earn unlimited 1% on all other purchases.
$0

Americans typically spend a lot of time in their cars — so much time that gasoline purchases usually make up 3.3% of annual household expenses. That may not sound like much, but it means that the typical family spends about $2,094 each year on gas, according to consumer expenditure data from the Bureau of Labor Statistics.

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This summer season, travelers are on the road after a year more than ever after being cooped up during the pandemic. Patrick De Haan, @GasBuddyGuy, notes that demand for gas is rising. To that end, you need to make sure you’re carrying the best credit card to give you the most points and miles on your purchases.

Using the metrics for our best cash-back credit cards and best travel credit cards to use at the pump, TPG found nine consumer credit cards that offer solid returns of 3% or more in rewards on gas spending. Here is a list of our top picks:

Best gas credit cards of 2021

The information for the PenFed Platinum and Amex Everyday Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

IN THIS POST

If you’re a small-business owner — or operate your own business on the side — you may want to consider business credit cards such as The Blue Business® Plus Credit Card from American Express or the Ink Business Cash Credit Card, both of which offer returns of about 4% on your gas spending (based on TPG valuations). But this analysis focuses on personal cards, so let’s look into the best consumer credit cards to have when you’re at the gas station, compared and ranked by what you’ll earn per dollar spent:

CREDIT CARD CATEGORY BONUS POINT VALUE OF CURRENCY*
TOTAL EARNED PER DOLLAR SPENT ANNUAL FEE
Citi Premier® Card 3 ThankYou points per dollar on air travel and at gas stations 1.7 cents 5.1 cents $95
Chase Freedom Flex 5x quarterly rotating categories, on up to $1,500 max, then 1x. April – June 30, 2021, includes gas stations 2 cents 10 cents*** $0
Blue Cash Preferred® Card from American Express 3% cash back at U.S. gas stations. Terms apply. N/A (cash back) 3 cents $0 intro annual fee for the first year, then $95  (see rates & fees)
PenFed Platinum Rewards Visa Signature Card 5x on gas purchases 0.85 to 1.27 cents** 4.35 to 6.35 cents $0
Amex EveryDay® Preferred Credit Card from American Express 2x at U.S. gas stations (50% points bonus when you make 30 or more purchases with your card in a billing period). Terms apply. 2 cents 4 to 6 cents, depending on points bonus $95
Chase Freedom Unlimited® 1.5% cash back on spending 2 cents 3 cents*** $0
Costco Anywhere Visa Card by Citi 4% cash back on eligible gas worldwide (for the first $7,000 in purchases per year, then 1%) N/A (cash back) 4 cents $0 (with your $60 Gold Star Costco membership)
Hilton Honors American Express Surpass® Card 6x at U.S. gas stations (among other 6x categories). Terms apply. 0.6 cents 3.6 cents $95 (see rates & fees)
Bank of America Customized Cash Rewards credit card 3% cash back (for the first $2,500 spent per quarter on a category of your choice, including gas, 1% thereafter) N/A (cash back) 3 cents $0

*Bonus value is an estimate based on TPG’s monthly valuations and not the card issuer.
**TPG does not assess the value of PenFed points, however PenFed has provided examples to us that indicate points are worth 0.85 cents toward gift cards, and perhaps a little more for merchandise. When booking travel, points are worth around 0.85 to 0.90 cents each for air travel, but as much as 1.27 cents toward hotel bookings, with many hotel reservations returning about 1.18 cents in value per point redeemed.

***Cash back may be converted to more valuable points only when paired with a card that earns Ultimate Rewards points.

Let’s look into each card individually, including an analysis of the value of gas rewards earned over the course of a year.

Best gas credit cards

Citi Premier® Card

(Photo by John Gribben for The Points Guy)

Gas rewards: Earn 3 points per dollar on gas stations.

Other rewards and perks: Earn 3 points per dollar at restaurants, supermarkets, and on airfare and hotels.

Sign-up bonus: Earn 80,000 points after spending $4,000 in the first three months of account opening.

Annual fee: $95

Estimated annual cash back/points from gas spending: 6,282 points worth $106.79

Keep in mind: At 1.7 cents each, ThankYou points are worth a bit less than Chase Ultimate Rewards or American Express Membership Rewards, but the Citi currency can still prove valuable, especially when you transfer points to one of the program’s 15+ travel partners. Providing 3 transferrable points per dollar on a consistent basis at gas stations is a very solid offering.

However, when purchasing gas, you may want to avoid gas sold at warehouse clubs as you’ll only receive 1 point per dollar with the Citi Premier® Card.

Chase Freedom Flex

(Photo by John Gribben for The Points Guy)

Gas rewards: The Chase Freedom Flex card awards 5x on rotating quarterly bonus categories (up to $1,500 quarterly max) 5x on travel purchased through Chase Ultimate Rewards, 3x on drugstores and dining, 1x elsewhere.

Each quarter tends to offer a gas bonus, and for 2021, it was in Q2 (April to June). While this quarter has passed now, we’ll be sure to see it again sometime in 2022. 

Welcome offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months of account opening. Plus, earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Annual fee: $0

Estimated annual cash back/points from gas spending: This will vary based on the rotating 5x bonus categories in the year.

Keep in mind: The Freedom Flex is technically a cash-back credit card, but you can transfer your earnings into the account of an Ultimate Rewards credit card — such as the Chase Sapphire Preferred Card or the Chase Sapphire Reserve. If you do that, these rewards convert into Ultimate Rewards points, which are worth 2 cents each according to TPG’s latest valuations. If you use the points via the Chase travel portal, Ultimate Rewards points are worth 1.25 cents when used in combination with the Sapphire Preferred and 1.5 cents with the Sapphire Reserve.

Blue Cash Preferred Card from American Express

(Photo by The Points Guy)
(Photo by The Points Guy)

Gas rewards: Earn 3% cash back at U.S. gas stations.

Other rewards and perks: Earn 6% cash back at U.S. supermarkets (on up to $6,000 per calendar year in purchases, then 1%) and 6% back on select U.S. streaming services. Earn 3% back on transit (parking, tolls, ride-share, subway, etc.) and 1% back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

Welcome offer: Earn 20% back on Amazon.com purchases on the card within the first six months of card membership, up to $200 back. Plus, earn $150 back after you spend $3,000 in purchases on the card within the first six months of card membership. Cash back received in the form of statement credits.

Annual fee: $0 introductory annual fee for one year, then $95 (see rates and fees)

Estimated annual cash back/points from gas spending: $62.82

Keep in mind: This is a cash-back card, so there’s no opportunity to earn valuable Amex Membership Rewards points, but 3% in cash back on gas purchases isn’t bad. However, when it comes to earning gas rewards, not all stores are treated equally. American Express says “superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations” — places that tend to have lower gas prices — and won’t earn bonus cash back.

PenFed Platinum Rewards Visa Signature Card

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Gas rewards: Earn 5x points at the pump.

Other rewards and perks: Earn 3x on groceries and 1x on all other spending.

Sign-up bonus: Earn a $100 statement credit when you spend $1,500 within the first 90 days.

Annual fee: $0

Estimated annual cash back/points from gas spending: 10,470 points worth $89 to $132.97

Keep in mind: You must be a member of the Pentagon Federal Credit Union to qualify for this card, and everyone is now eligible to apply for membership since PFCU has an open charter with no military affiliation required. All members must open and maintain a savings account with at least $5.

Points may be redeemed for rewards only, including airfare and hotel stays. Based on previous reporting, points are worth as little as 0.85 cents each when redeemed for gift cards and as much as 1.27 cents apiece when put toward hotel bookings. A minimum balance of 1,000 points is required for redemptions.

Amex EveryDay Preferred Credit Card from American Express

(Photo by The Points Guy)
(Photo by The Points Guy)

Gas rewards: Earn 2x at U.S. gas stations.

Other rewards and perks: Earn 3x at U.S. supermarkets on up to $6,000 per year in purchases, then 1x points; 1x on other purchases. Use your card 30 or more times on purchases in a billing period and earn 50% more points on those purchases.

Welcome offer: Earn 15,000 Membership Rewards points after you make $1,000 in purchases in your first three months.

Annual fee: $95

Estimated annual cash back/points from gas spending: 4,188 points valued at $125.64 (if you make 30 or more transactions each month)

Keep in mind: Because this card is part of the Amex Membership Rewards program, points are worth more than the standard 1 cent each you find on most cash-back cards. According to TPG’s latest valuations, Membership Rewards points are worth 2 cents apiece, thanks to the array of valuable transfer partners. That means for every dollar spent at a gas station, you’ll earn 2x, worth a total of 4 cents. If you hit 30 monthly transactions, those 2 points per dollar spent turn into 3 points per dollar spent, worth 6 cents. This makes the EveryDay Preferred card among the most valuable options for gas purchases.

The information for the Amex EveryDay Preferred 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.

Chase Freedom Unlimited

Gas rewards: Earn 1.5% cash back on all non-bonus expenses, including gas stations.

Other rewards and perks: Earn 5% on travel purchased through Chase Ultimate Rewards and 3% on dining and drugstore purchases, 1% elsewhere.

Sign-up bonus: Earn $200 bonus after spending $500 on purchases in the first three months of account opening. Plus, earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Annual fee: $0

Estimated annual cash back/points from gas spending: Earn $31.41 cash back/3,141 Chase Ultimate Rewards points worth $62.82.

Keep in mind: Although the Freedom Unlimited is a cash-back credit card, you can transfer your earnings into the account of an Ultimate Rewards credit card you hold — such as the Chase Sapphire Preferred Card or the Chase Sapphire Reserve — to convert your rewards into Ultimate Rewards points, which are worth 2 cents each according to TPG’s latest valuations. This is due to the program’s terrific transfer partners such as United and Hyatt. But when you use your points to book travel within the Chase travel portal, Ultimate Rewards points are worth 1.25 cents when used in combination with the Sapphire Preferred and 1.5 cents with the Sapphire Reserve.

Costco Anywhere Visa Card by Citi

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Gas rewards: Earn 4% cash back on eligible gas for the first $7,000 per year (1% thereafter).

Other rewards and perks: Earn 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com and 1% cash back on all other purchases.

Sign-up bonus: None.

Annual fee: $0 with your paid Costco membership.

Estimated annual cash back/points from gas spending: $83.76

Keep in mind: You have to be a Costco member to be eligible for this card, and although this is a cash-back card, you can’t earn statement credits or redeem your rewards at any time. Instead, you’ll receive a reward coupon annually, redeemable for cash or merchandise at U.S. Costco warehouses.

Hilton Honors American Express Surpass® Card

Photo by The Points Guy.

Gas rewards: Earn 6 Hilton Honors bonus points for each dollar of eligible purchases at U.S. gas stations.

Other rewards and perks: Earn 6 Hilton Honors bonus points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations; earn 12 Hilton Honors bonus points for each dollar of eligible purchases charged on your card directly with a participating hotel or resort within the Hilton portfolio; earn 3x for all other eligible spending. Earn a free weekend night reward after you spend $15,000 on purchases in a calendar year; automatic Hilton Honors Gold status, with an upgrade to Diamond when you spend $40,000 on the card in a calendar year. Enrollment required for select benefits.

Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

Annual fee: $95 (see rates & fees)

Estimated annual cash back/points from gas spending: 12,564 points worth $75.38

Keep in mind: This card may not be a good choice for general points and miles collectors, as TPG values Hilton points at only 0.6 cents each, less than many other programs. That makes the 6x gas station bonus look far less attractive, but using this card could make sense to Hilton loyalists who want to maximize Hilton Honors points, earn a free-night certificate or upgrade to Diamond elite status.

Bank of America Cash Customized Rewards credit card

(Photo by John Gribben for The Points Guy)

Gas rewards: Earn 3% cash back in one of six categories of your choice, including gas purchases, for the first $2,500 spent each quarter. Note that the $2,500 quarterly cap applies to both your 3% choice category and the 2% back on grocery store/wholesale club purchases (then an unlimited 1% cash back applies to all other purchases).

Other rewards and perks: Earn 2% at grocery stores and wholesale clubs (on up to $2,500 spent per quarter on combined choice category, grocery store and wholesale club purchases, then 1%) and 1% on everything else. Get a 10% customer bonus every time you redeem your cash back into a Bank of America checking or savings account. If you’re a Preferred Rewards member, you can increase that bonus to 25%-75%.

Sign-up bonus: Earn a $200 online cash-rewards bonus after you spend $1,000 in the first 90 days of account opening.

Annual fee: $0

Estimated annual cash back/points from gas spending: $62.82

Keep in mind: You can earn tiered relationship bonuses in Bank of America’s Preferred Rewards program based on the amount of money you have on deposit in your qualifying Bank of America and/or Merrill investment accounts. You’re eligible for a percentage-based bonus of base rewards points you earn once you have at least $20,000 in assets at the bank. Here’s how the tiers work:

  • Gold status earns a 25% rewards bonus and requires combined balances ranging from $20,000 to $50,000.
  • Platinum status earns a 50% rewards bonus and requires combined balances ranging from $50,000 to $100,000.
  • Platinum Honors status earns a 75% rewards bonus and requires a combined balance of more than $100,000.

The rewards tier you qualify for will be based on your three-month average combined balances in your qualifying accounts, so your status could change as you deposit and withdraw money from your accounts.

How do gas credit cards work?

It’ll be no surprise to hear that gas credit cards reward those who use them when they fill up their vehicles at gas stations.

The best gas credit cards offer at least a 3% return in rewards on gas purchases and aren’t usually affiliated with any specific gas retailer meaning there are no brand or location restrictions your cash back or points earning. These cards also often have perks for spending in other categories like groceries, travel and leisure.

Related: How to save money on gas 

Tips for picking the best gas rewards card

Picking the best gas reward card isn’t a one-size-fits-all situation. As is always the case when deciding which card to take out, it comes down to picking a card (or cards) which will provide you with the most value given your own personal circumstances.

For example, if you stay in hotels often, the Hilton Honors American Express Surpass card might be a good option for you as it earns 6x Hilton Honors bonus points per dollar spent on eligible purchases at U.S. gas stations as well as U.S. restaurants and U.S. supermarkets. The reward is doubled to 12x on stays and eligible spend at Hilton properties.

On the other hand, if you could do with some extra cash, focus your attention on cards with no annual fee. Or, check to see which cards cash back as a sign up bonus like the Chase Freedom Unlimited.

Bottom line

For the typical U.S. household, gasoline purchases are the ninth-largest categorized expense for credit card spending in a typical year.

You probably shouldn’t make gas rewards your only priority when choosing your next credit card, but it’s an important factor if you’re driving the family around regularly. As always, your best bet is to find a card that offers great bonus category rewards on the spending you do most frequently, so if gas is a major part of your budget, make sure you consider at least one of the credit cards on this list.

Additional reporting by Stella Shon.

Featured image by Pramote Polyamate/Getty Images

For rates and fees of the Blue Cash Preferred Card, please click here.
For rates and fees of the Hilton Surpass Card, please click here.

Updated 09/01/21.

Benét J. Wilson is the senior credit cards editor for TPG. Known as the Aviation Queen, she's a veteran aviation journalist who has covered airports, security and the airline passenger experience. She now helps you find the best ways to use your credit cards. Her idea of heaven is being the main character in the movie "The Terminal."
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