6 best gas credit cards of April 2023
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.
- 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
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, including 3% cash back at U.S. gas stations, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express.
Pros
- Multiple bonus categories.
- High earning rates for bonus categories.
Cons
- Capped earning for some bonus categories.
- Foreign transaction fees.
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%
- 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.
- Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
- See Rates & Fees
Pros
- Multiple bonus categories.
- High earning rates for bonus categories.
Cons
- Capped earning for some bonus categories.
- Foreign transaction fees.
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%
- 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.
- Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
- See Rates & Fees
Pros
- Multiple bonus categories.
- High earning rates for bonus categories.
Cons
- Capped earning for some bonus categories.
- Foreign transaction fees.
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%
- 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.
- Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
- See Rates & Fees
- 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.
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 earn 3% cash back in the category of your choice each calendar month — from gas, online shopping, dining, home improvement and more — then 2% back on groceries and wholesale clubs (for the first $2,500 combined purchases each quarter) and 1% on everything else. There’s also no annual fee with this card. Read our full review of the Bank of America Customized Cash card.
Pros
- No annual fee.
- Customized bonus category.
- Sign-up bonus.
- Long period for introductory APR.
Cons
- Cap on bonus earning rate.
- Foreign transaction fees.
- $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 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee 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.
- Customized bonus category.
- Sign-up bonus.
- Long period for introductory APR.
Cons
- Cap on bonus earning rate.
- Foreign transaction fees.
- $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 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee 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.
- Customized bonus category.
- Sign-up bonus.
- Long period for introductory APR.
Cons
- Cap on bonus earning rate.
- Foreign transaction fees.
- $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 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee 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.
- 5% 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% 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1% Unlimited 1% cash back on all other purchases.
Why We Chose It
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories that change each quarter. You’ll also earn 5% back on 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. Read our full review of the Chase Freedom Flex.
Pros
- Rotating bonus cash-back categories.
- High bonus earning rate.
- Cellphone protection.
Cons
- Bonus rate must be activated each quarter.
- Foreign transaction fees.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 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% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Pros
- Rotating bonus cash-back categories.
- High bonus earning rate.
- Cellphone protection.
Cons
- Bonus rate must be activated each quarter.
- Foreign transaction fees.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 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% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Pros
- Rotating bonus cash-back categories.
- High bonus earning rate.
- Cellphone protection.
Cons
- Bonus rate must be activated each quarter.
- Foreign transaction fees.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 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% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- 5x 5x on travel purchased through Chase Ultimate Rewards®
- 3x 3x on dining.
- 2x 2x on all other travel purchases, plus more.
Why We Chose It
The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
Pros
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
Cons
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Pros
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
Cons
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Pros
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
Cons
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 1.5% Earn unlimited 1.5% cash back on every purchase, every day
Why We Chose It
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.
Pros
- Unlimited cash back on all purchases.
- Simple earning structure.
- No foreign transaction fees.
- No annual fee.
Cons
- Limited card perks and benefits.
- Lack of bonus categories can limit earning potential.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Pros
- Unlimited cash back on all purchases.
- Simple earning structure.
- No foreign transaction fees.
- No annual fee.
Cons
- Limited card perks and benefits.
- Lack of bonus categories can limit earning potential.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Pros
- Unlimited cash back on all purchases.
- Simple earning structure.
- No foreign transaction fees.
- No annual fee.
Cons
- Limited card perks and benefits.
- Lack of bonus categories can limit earning potential.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- 5% Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
- 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1.5% 1.5% on all other purchases
Why We Chose It
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. Currently, new cardholders can earn an extra 1.5% cash back on all purchases in the first year (on up to $20,000 in total spending). However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling the potential value of your cash-back rewards. Read our full review of the Chase Freedom Unlimited.
Pros
- Multiple bonus categories.
- No annual fee.
- Incredible value when paired with a premium Chase card.
Cons
- Limited card perks and benefits.
- Foreign transaction fees.
- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Pros
- Multiple bonus categories.
- No annual fee.
- Incredible value when paired with a premium Chase card.
Cons
- Limited card perks and benefits.
- Foreign transaction fees.
- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Pros
- Multiple bonus categories.
- No annual fee.
- Incredible value when paired with a premium Chase card.
Cons
- Limited card perks and benefits.
- Foreign transaction fees.
- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
More on the best credit cards for gas of April 2023
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| Card | Welcome Offer/Sign Up Bonus | Earning Rate | Annual Fee |
| Blue Cash Preferred® Card from American Express | $250 |
|
$0 intro annual fee for the first year, then $95. |
| Capital One Quicksilver Cash Rewards Credit Card | $200 |
|
$0 |
| Bank of America® Customized Cash Rewards credit card | $200 |
|
$0 |
| Chase Freedom Unlimited® | Earn an Additional 1.5% Cash Back |
|
$0 |
| Chase Freedom Flex℠ | $200 |
|
$0 |
| Costco Anywhere Visa® Card by Citi | N/A |
|
$0 |
| Hilton Honors American Express Surpass® Card | Earn 150,000 Points |
|
$95 |
| Citi Premier® Card | 60,000 points |
|
$95 |
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.
And even though gas prices have fallen in recent months, it’s still a major cost, so it’s critical to save money in any way you can.
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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 2023
- Citi Premier® Card: Best for earning Citi points
- Chase Freedom Flex: Best for rotating bonuses
- Blue Cash Preferred® Card from American Express: Best for families
- Amex EveryDay® Preferred Credit Card from American Express: Best for earning Amex points
- Chase Freedom Unlimited®: Best for earning Chase points
- Costco Anywhere Visa® Card by Citi: Best for Costco members
- Hilton Honors American Express Surpass® Card: Best for road trips
- Bank of America® Customized Cash Rewards credit card: Best for tiered rewards
- PenFed Platinum Rewards Visa Signature Card: Best for credit union members
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.
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. | 5.4 cents. | $95. |
| Chase Freedom Flex | 5% quarterly rotating categories, on up to $1,500 max, then 1%. | 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 first year, then $95 (see rates & fees). |
| PenFed Platinum Rewards Visa Signature Card | 5 points per dollar on gas purchases. | 0.85 to 1.27 cents**. | 4.35 to 6.35 cents. | $0. |
| Amex EveryDay® Preferred Credit Card from American Express | 2 points per dollar 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 the 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 | 6 points per dollar at U.S. gas stations (among other 6 points per dollar categories). Terms apply. | 0.6 cents. | 3.6 cents. | $95 annual fee (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
Gas rewards: Earn 3 points per dollar at gas stations.
Other rewards and perks: Earn 3 points per dollar at restaurants, supermarkets, and on airfare and hotels.
Sign-up bonus: Earn 60,000 bonus points after spending $4,000 on purchases in the first three months of account opening.
Annual fee: $95
Estimated annual cash back/points from gas spending: 6,282 points worth $113.08.
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-plus travel partners. Providing 3 transferable 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.
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Official application link: Citi Premier.
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Chase Freedom Flex
Gas rewards: The Chase Freedom Flex card awards 5 points per dollar on rotating quarterly bonus categories (up to $1,500 quarterly max), 5 points per dollar on travel purchased through Chase Ultimate Rewards, 3 points per dollar on drugstores and dining and 1 point per dollar elsewhere.
Each year tends to offer a gas bonus in at least one quarter.
Welcome offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months of account opening.
Annual fee: $0.
Estimated annual cash back/points from gas spending: This will vary based on the rotating 5% 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.
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Official application link: Chase Freedom Flex.
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Blue Cash Preferred Card from American Express
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 a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.
Annual fee: $0 intro annual fee for the first 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.
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Official application link: Amex Blue Cash Preferred.
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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 an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back.
Annual fee: $0.
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.
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Official application link: Chase Freedom Unlimited.
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Hilton Honors American Express Surpass® Card
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 3 points per dollar for all other eligible spending. Earn a free 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 is required for select benefits.
Welcome offer: Earn 150,000 Hilton Honors bonus points after you spend $3,000 in purchases on the card in the first six months of card membership. Offer ends 04/05/2023.
Annual fee: $95 annual fee (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 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.
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Official application link: Hilton Honors Surpass.
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Bank of America Customized Cash Rewards credit card
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.
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Official application link: Bank of America® Customized Cash Rewards credit card.
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Amex EveryDay Preferred Credit Card from American Express
Gas rewards: Earn 2 points per dollar at U.S. gas stations.
Other rewards and perks: Earn 3 points per dollar at U.S. supermarkets on up to $6,000 per year in purchases, then 1 point per dollar; and 1 point per dollar on all other eligible 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.
Costco Anywhere Visa Card by Citi
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.
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Official application link: Costco Anywhere Visa by Citi.
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PenFed Platinum Rewards Visa Signature Card
Gas rewards: Earn 5 points per dollar at the pump.
Other rewards and perks: Earn 3 points per dollar on groceries and 1 point per dollar 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.
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 on 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) that 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 6 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 12 points per dollar spent 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.
Are gas credit cards worth it?
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.
Related guides
- Best travel credit cards
- Best airline credit cards
- Best dining credit cards
- Best credit cards for everyday spending
- Best credit cards for entertainment spending
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.
