The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for beginners
Gas is an essential and recurring expense for many Americans — which is why adding one of the best credit cards for gas is a great way to maximize these purchases. Whether you’re looking to earn airline miles, credit card points or cash-back rewards, there are many great options to save at the pump.
At The Points Guy, we’re passionate about helping you earn the best return on the purchases you’re already making, so we’ve curated a list of the best credit cards for gas. Consider adding one of these to your wallet ahead of your next fill-up.
We included cards that featured solid welcome bonuses and a variety of minimum spend thresholds to meet your budget.
Our top picks feature varying annual fees that provide different levels of benefits to cardholders.
We selected cards that earn on gas purchases as well as other popular bonus category options.
The best cards provide you with various redemption options to select from, including cash back, points and miles.
In addition to earning rates and lucrative welcome bonuses, many of our top picks also offer travel and insurance perks.
Gas purchases are a key benefit for TPG readers, with 63% ranking bonus earnings on gas purchases as a top-three priority for earning rewards on their cards. The best gas cards offer bonus rewards that can help you save every time you fill up. So whether you’re filling up for your daily commute or a road trip, having a gas rewards card helps you get the most out of every gallon.
Like with any credit card, the decision around which gas card to choose should be based on your spending habits and what type of rewards you’re looking to earn. The Blue Cash Preferred® Card from American Express is a solid choice for those looking for cash-back rewards on gas purchases (3% back at U.S. gas stations). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. However, if you’re interested in making the most of rotating bonus categories, the Chase Freedom Flex® offers 5% cash back on select bonus categories that change each quarter with no annual fee (up to $1,500 in combined spending each quarter; activation required). With multiple options, the decision you make on a gas credit card ultimately comes down to how you want to maximize rewards and what your financial goals are.
Here are some of the main points to consider when choosing a credit card for gas:
Choose a gas credit card with a generous sign-up bonus that you can easily meet the spending requirements for within your budget. Welcome bonuses are a solid way to rack up points, miles or cash back, and you'll often earn more with the sign-up bonus than you would with regular everyday spending.
Find a gas card that comes with an annual fee within your budget. You'll also want to consider if the benefits and perks on the card outweigh the annual fee.
You'll certainly want to select a credit card that earns at a solid rate on gas to use at the pump, but you also may want to consider the other bonus categories on a gas card and how you would maximize those.
Tips on how to maximize your spending at the pump and get value on gas
There isn’t one gas credit card that is perfect for everyone. 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 spending habits, preferences and financial goals.
For example, if you’re a loyal Costco shopper, using the Costco Anywhere Visa® Card by Citi is a sensible option since it rewards you with 5% cash back on gas at Costco and 4% cash back on other eligible gas and EV charging purchases for the first $7,000 in combined spend per year, then 1% thereafter.
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 offer cash back as a sign-up bonus, like the Chase Freedom Unlimited®.
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.
You can apply for a gas credit card like you would apply for any credit card – online, by mail or by phone. The easiest option is to do it online. A credit card issuer will ask for some personal information, including your name, contact information, annual income, Social Security number and other financial details. You’ll be asked to read the terms and conditions of the card’s benefits, interest rates and applicable fees.
Once you apply, many issuers will give you a decision in just a few seconds, but you could end up having to wait for up to two weeks for an answer.
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.
Yes. Using a credit card for gas purchases and paying the statement balance on time each month is one way to help increase your credit score and build credit.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
Daisy is a credit cards editor at TPG. Her expertise spans earning and redeeming rewards across rotating categories on multiple cards.Prior to this, she wrote news stories, how-to guides and tested and reviewed gear for Popular Mechanics, Sports Illustrated, Bicycling and Runner's World.
Compliance associate Lakeisha Robinson has 12 years of compliance experience. She uses her credit card knowledge, passion for travel and general compliance rules to ensure that she and her team share the most accurate and compliant content with TPG readers.
Best for beginners
| Rate | Category |
|---|---|
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, vacation homes at top brands, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs). |
| 2x | Earn 2x on all other travel purchases. |
| 1x | Earn 1x on all other purchases. |
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for beginners
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
Excellent/Good
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for flexible earning on business expenses
| Rate | Category |
|---|---|
| 4X | Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* |
| 3X | Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™ using your Business Gold Card.* |
| 1X | Earn 1X on all other eligible purchases. |
As High As 200,000 points. Find Out Your Offer.
$375
17.99% - 28.74% Variable
Excellent to Good
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Best for flexible earning on business expenses
As High As 200,000 points. Find Out Your Offer.
$375
17.99% - 28.74% Variable
Excellent to Good
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Best for starter travel
| Rate | Category |
|---|---|
| 10X | Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. |
| 3X | Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. |
| 1X | Earn 1 Point per $1 spent on all other purchases |
Earn 60,000 bonus ThankYou® Points
$95
19.74% - 27.74% (Variable)
670-850
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
Best for starter travel
Earn 60,000 bonus ThankYou® Points
$95
19.74% - 27.74% (Variable)
670-850
Excellent, Good
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
Best for low annual fee
| Rate | Category |
|---|---|
| 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. |
| 4X | Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases. |
| 3X | Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. |
Earn 130,000 Hilton Honors Points + a Free Night Reward
$150
19.74%-28.74% Variable
Good to Excellent
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. Read our full review of the Hilton Honors American Express Surpass Card.
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. Read our full review of the Hilton Honors American Express Surpass Card.
Best for low annual fee
Earn 130,000 Hilton Honors Points + a Free Night Reward
$150
19.74%-28.74% Variable
Good to Excellent
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. Read our full review of the Hilton Honors American Express Surpass Card.
Best for travelers
| Rate | Category |
|---|---|
| 3X | Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. |
| 1X | Earn 1X points on other purchases |
20,000 bonus points
$0
18.74%, 24.74%, or 28.74% Variable APR
670-850
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Best for travelers
20,000 bonus points
$0
18.74%, 24.74%, or 28.74% Variable APR
670-850
Excellent/Good
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Best for Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card
| Rate | Category |
|---|---|
| 5X | Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com. |
| 3X | Earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. |
| 3X | Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. |
| 2X | Earn 2 ThankYou® Points for each $1 spent at Restaurants. |
| 1X | Earn 1 ThankYou® Point for each $1 spent on All Other Purchases. |
Earn 20,000 bonus Points
$0
18.74% - 28.74% (Variable)
670-850
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 bonus points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 bonus points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
Best for Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card
Earn 20,000 bonus Points
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 bonus points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
Best for small businesses
| Rate | Category |
|---|---|
| 6x | 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. |
| 4x | 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. |
| 2x | 2x points on all other eligible purchases. |
Earn 100,000 Marriott Bonvoy® bonus points and 1 Free Night Award
$125
19.74% - 28.74% Variable
Excellent to Good
The Amex Marriott Bonvoy Business is a solid pick for small businesses that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version.
The Amex Marriott Bonvoy Business is a solid pick for small businesses that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version.
Best for small businesses
Earn 100,000 Marriott Bonvoy® bonus points and 1 Free Night Award
$125
19.74% - 28.74% Variable
Excellent to Good
The Amex Marriott Bonvoy Business is a solid pick for small businesses that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version.
Best for customized spending
| Rate | Category |
|---|---|
| 6% | Earn 6% cash back for the first year in the category of your choice. |
| 3% | Earn 3% cash back after the first year from account opening in your choice category. |
| 2% | Earn 2% cash back at grocery stores and wholesale clubs. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum. |
| 1% | Earn 1% cash back on all other purchases. |
$200
$0
17.74% - 27.74% Variable APR on purchases and balance transfers
670-850
If you find that other cash-back cards don’t exactly match your lifestyle and spending habits, you’ll like the flexibility of the Bank of America® Customized Cash Rewards credit card. You have the power to pick your bonus category each month, which can appeal to those who don’t have traditional spending habits. Read our full review of the Bank of America Customized Cash Rewards credit card.
If you find that other cash-back cards don’t exactly match your lifestyle and spending habits, you’ll like the flexibility of the Bank of America® Customized Cash Rewards credit card. You have the power to pick your bonus category each month, which can appeal to those who don’t have traditional spending habits. Read our full review of the Bank of America Customized Cash Rewards credit card.
Best for customized spending
$200
$0
17.74% - 27.74% Variable APR on purchases and balance transfers
670-850
Excellent/Good
If you find that other cash-back cards don’t exactly match your lifestyle and spending habits, you’ll like the flexibility of the Bank of America® Customized Cash Rewards credit card. You have the power to pick your bonus category each month, which can appeal to those who don’t have traditional spending habits. Read our full review of the Bank of America Customized Cash Rewards credit card.
Best for no annual fee
| Rate | Category |
|---|---|
| 7X | Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. |
| 5X | Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations. |
| 3X | Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. |
Earn 70,000 Bonus Points plus a Free Night Reward
$0
19.74%-28.74% Variable
Excellent to Good
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
Best for no annual fee
Earn 70,000 Bonus Points plus a Free Night Reward
$0
19.74%-28.74% Variable
Excellent to Good
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
Best for Costco shoppers
| Rate | Category |
|---|---|
| 4% and 5% | Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. |
| 3% | 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. |
| 2% | 2% cash back on all other purchases from Costco and Costco.com |
| 1% | 1% cash back on all other purchases |
$0
18.99% - 26.99% (Variable)
740-850
This no-annual-fee card is a no-brainer for Costco shoppers who want to earn even greater savings with cash-back rewards. Read our full review of the Costco Anywhere Visa Card by Citi.
This no-annual-fee card is a no-brainer for Costco shoppers who want to earn even greater savings with cash-back rewards. Read our full review of the Costco Anywhere Visa Card by Citi.
Best for Costco shoppers
$0
18.99% - 26.99% (Variable)
740-850
Excellent
This no-annual-fee card is a no-brainer for Costco shoppers who want to earn even greater savings with cash-back rewards. Read our full review of the Costco Anywhere Visa Card by Citi.
Best for families
| Rate | Category |
|---|---|
| 6% | Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%). |
| 6% | Earn 6% cash back on select U.S. streaming subscriptions. |
| 3% | Earn 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases. |
| 1% | Earn 1% cash back on other purchases. |
As High As $300 Cash Back. Find Out Your Offer.
$0 intro annual fee for the first year, then $95.
19.74%-28.74% Variable
Excellent to Good
If you’re spending hundreds (or thousands) on supermarkets or gas in the U.S. and more each month, the Blue Cash Preferred is the perfect card to maximize those purchases for cash back. Read our full review of the Blue Cash Preferred Card from American Express.
If you’re spending hundreds (or thousands) on supermarkets or gas in the U.S. and more each month, the Blue Cash Preferred is the perfect card to maximize those purchases for cash back. Read our full review of the Blue Cash Preferred Card from American Express.
Best for families
As High As $300 Cash Back. Find Out Your Offer.
$0 intro annual fee for the first year, then $95.
19.74%-28.74% Variable
Excellent to Good
If you’re spending hundreds (or thousands) on supermarkets or gas in the U.S. and more each month, the Blue Cash Preferred is the perfect card to maximize those purchases for cash back. Read our full review of the Blue Cash Preferred Card from American Express.
Best for rotating categories
| Rate | Category |
|---|---|
| 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 Travel℠. |
| 3% | 3% cash back on dining and drugstores. |
| 1% | 1% cash back on all other purchases. |
$250 bonus
$0
18.49% - 27.99% Variable
670-850
The Chase Freedom Flex is a great all-around card for beginners and fans of cash back. It’s easier to be approved for than many top-tier cards from Chase and Amex, and it offers a great array of benefits for a no-annual-fee card. Read our review of the Chase Freedom Flex.
The Chase Freedom Flex is a great all-around card for beginners and fans of cash back. It’s easier to be approved for than many top-tier cards from Chase and Amex, and it offers a great array of benefits for a no-annual-fee card. Read our review of the Chase Freedom Flex.
Best for rotating categories
$250 bonus
$0
18.49% - 27.99% Variable
670-850
Excellent, Good
The Chase Freedom Flex is a great all-around card for beginners and fans of cash back. It’s easier to be approved for than many top-tier cards from Chase and Amex, and it offers a great array of benefits for a no-annual-fee card. Read our review of the Chase Freedom Flex.
Best for IHG loyalists seeking mid-tier perks
| Rate | Category |
|---|---|
| 24X | Earn up to 24X total points on stays at IHG Hotels & Resorts |
| 5X | Earn 5X points on flights booked directly, car rental agencies, at gas stations, grocery stores (new!) and restaurants. Earn 3X points per $1 spent on all other purchases. |
| 3X | Earn 3X points per $1 spent on all other purchases. |
Earn 180,000 Bonus Points
$150
19.49% - 27.99% Variable
Good Credit, Excellent Credit
The IHG One Rewards Premier Credit Card has a $150 annual fee but offers a useful collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Gold Elite status, a 50,000-point anniversary night, up to $100 in annual IHG food and beverage rewards (issued as $25 per quarter), plus your fourth night free when redeeming points for a consecutive four-night stay. (Partner offer)
The IHG One Rewards Premier Credit Card has a $150 annual fee but offers a useful collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Gold Elite status, a 50,000-point anniversary night, up to $100 in annual IHG food and beverage rewards (issued as $25 per quarter), plus your fourth night free when redeeming points for a consecutive four-night stay. (Partner offer)
Best for IHG loyalists seeking mid-tier perks
Earn 180,000 Bonus Points
$150
19.49% - 27.99% Variable
Good Credit, Excellent Credit
The IHG One Rewards Premier Credit Card has a $150 annual fee but offers a useful collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Gold Elite status, a 50,000-point anniversary night, up to $100 in annual IHG food and beverage rewards (issued as $25 per quarter), plus your fourth night free when redeeming points for a consecutive four-night stay. (Partner offer)
Best for beginner cash back
| Rate | Category |
|---|---|
| 3% | Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). |
| 1% | Earn 1% cash back on all other eligible purchases. |
As High As $200 Cash Back. Find Out Your Offer.
$0
19.74%-28.74% Variable
Excellent to Good
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
Best for beginner cash back
As High As $200 Cash Back. Find Out Your Offer.
$0
19.74%-28.74% Variable
Excellent to Good
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
Best for businesses that frequent Wyndham properties
| Rate | Category |
|---|---|
| 8X | Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. |
| 5X | Earn 5 points per $1 spent on eligible marketing, advertising and utility purchases. |
| 1X | Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation! |
45,000 points
$95
21.24% - 29.99 (Variable)
670-850
The Wyndham Rewards Earner® Business Card* is a solid small business credit card that features various perks, a welcome bonus and automatic Wyndham Diamond status. Its standout feature is elevated earnings for various business expenses like 5 points per dollar spent on eligible marketing, advertising and utility purchases as well as 8 points per dollar spent at hotels by Wyndham and qualifying gas purchases. If you’re a Wyndham loyalist who frequently spends on advertising and gas for your business, having the Wyndham Rewards Earner Business is a great way to get the most out of your spending.
The Wyndham Rewards Earner® Business Card* is a solid small business credit card that features various perks, a welcome bonus and automatic Wyndham Diamond status. Its standout feature is elevated earnings for various business expenses like 5 points per dollar spent on eligible marketing, advertising and utility purchases as well as 8 points per dollar spent at hotels by Wyndham and qualifying gas purchases. If you’re a Wyndham loyalist who frequently spends on advertising and gas for your business, having the Wyndham Rewards Earner Business is a great way to get the most out of your spending.
Best for businesses that frequent Wyndham properties
45,000 points
$95
21.24% - 29.99 (Variable)
670-850
Excellent/Good Credit
The Wyndham Rewards Earner® Business Card* is a solid small business credit card that features various perks, a welcome bonus and automatic Wyndham Diamond status. Its standout feature is elevated earnings for various business expenses like 5 points per dollar spent on eligible marketing, advertising and utility purchases as well as 8 points per dollar spent at hotels by Wyndham and qualifying gas purchases. If you’re a Wyndham loyalist who frequently spends on advertising and gas for your business, having the Wyndham Rewards Earner Business is a great way to get the most out of your spending.
Best for frequent Wyndham guests
| Rate | Category |
|---|---|
| 6X | Earn 6X points on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. |
| 4X | Earn 4X points on eligible dining and grocery store purchases (excluding Target® and Walmart®). |
| 1X | Earn 1X points on all other purchases (excluding Wyndham Vacation Club down payments). |
45,000 points
$75
20.49%, 24.74% or 29.74% variable
670-850
The Wyndham Rewards Earner Plus is a great option for those who want to earn Wyndham points and receive elite status while paying a low $75 annual fee. We also like the 7,500-point anniversary bonus and a cardmember discount on the best available rate on paid stays.
The Wyndham Rewards Earner Plus is a great option for those who want to earn Wyndham points and receive elite status while paying a low $75 annual fee. We also like the 7,500-point anniversary bonus and a cardmember discount on the best available rate on paid stays.
Best for frequent Wyndham guests
45,000 points
$75
20.49%, 24.74% or 29.74% variable
670-850
Excellent/Good Credit
The Wyndham Rewards Earner Plus is a great option for those who want to earn Wyndham points and receive elite status while paying a low $75 annual fee. We also like the 7,500-point anniversary bonus and a cardmember discount on the best available rate on paid stays.
What's your favorite gas card — and why?
Costco Anywhere Visa® Card by Citi“My Costco Anywhere Visa earns a generous cash back every time I fuel up. Plus, I have an authorized user on my card who commutes daily, making it easy to rack up gas rewards in conjunction with other categories like dining and travel.”
Chase Freedom Flex®“This card’s quarterly categories are easy for me to maximize. And since I also have the Chase Sapphire Reserve®, I can combine my points and transfer them to my favorite hotel and airline programs.”
Bank of America® Customized Cash Rewards credit card“I use my Bank of America Customized Cash for travel, gas and other everyday purchases to maximize earning cashback.”
Best for no annual fee travel card
The U.S. Bank Altitude® Connect Visa Signature® Card* is a solid option for those seeking a product with no annual fee that offers the ability to earn rewards and comes with travel perks like a TSA PreCheck or Global Entry credit.
Best for no annual fee travel card
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
| beginners | 75,000 bonus points. | 1 - 5X points | $95 | Apply now at Chase's secure siteSee rates & fees | |
Limited-Time Offer | |||||
Limited-Time Offer | |||||
Limited-Time Offer | |||||
Limited-Time Offer | |||||
Limited-Time Offer | |||||
 Wyndham Rewards Earner® Business Card | |||||
 Wyndham Rewards Earner® Plus Card | |||||
U.S. Bank Altitude® Connect Visa Signature® Card |
| Rate | Category |
|---|---|
| 5X | 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. |
| 4X | 4X on travel. |
| 4X | 4X at gas stations and EV charging stations on your first $1,000 each quarter (excludes discount stores/supercenters and wholesale clubs). |
| 2X | 2X on dining, streaming services and at grocery stores (excludes discount stores/supercenters and wholesale clubs). |
| 1X | 1X point on all other eligible purchases. |
20,000 bonus points
$0
17.24% - 28.24% Variable
740-850
The U.S. Bank Altitude® Connect Visa Signature® Card* is a solid option for those seeking a product with no annual fee that offers the ability to earn rewards and comes with travel perks like a TSA PreCheck or Global Entry credit.
20,000 bonus points
$0
17.24% - 28.24% Variable
740-850
Excellent
The U.S. Bank Altitude® Connect Visa Signature® Card* is a solid option for those seeking a product with no annual fee that offers the ability to earn rewards and comes with travel perks like a TSA PreCheck or Global Entry credit.
| flexible earning on business expenses |
| As High As 200,000 points. Find Out Your Offer. |
| 1 - 4X points |
| $375 |
| at American Express's secure siteSee rates & fees |
| starter travel |
| Earn 60,000 bonus ThankYou® Points |
| 1 - 10X points |
| $95 |
| at Citi's secure siteSee rates & fees |
| low annual fee |
| Earn 130,000 Hilton Honors Points + a Free Night Reward |
| 3 - 12X points |
| $150 |
| at American Express's secure siteSee rates & fees |
| travelers |
| 20,000 bonus points |
| 1 - 3X points |
| $0 |
| at Wells Fargo's secure siteSee rates & fees |
| Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card |
| Earn 20,000 bonus Points |
| 1 - 5X points |
| $0 |
| at Citi's secure siteSee rates & fees |
| small businesses |
| Earn 100,000 Marriott Bonvoy® bonus points and 1 Free Night Award |
| 2 - 6X points |
| $125 |
| at American Express's secure siteSee rates & fees |
| customized spending |
| $200 |
| 1 - 6% cash-back |
| $0 |
| at Bank of America's secure site |
| no annual fee |
| Earn 70,000 Bonus Points plus a Free Night Reward |
| 3 - 7X points |
| $0 |
| at American Express's secure siteSee rates & fees |
| Costco shoppers |
| No offer |
| 1 - 5% cash-back |
| $0 |
| at Citi's secure siteSee rates & fees |
| families |
| As High As $300 Cash Back. Find Out Your Offer. |
| 1 - 6% cash-back |
| $0 intro annual fee for the first year, then $95. |
| at American Express's secure siteSee rates & fees |
| rotating categories |
| $250 bonus |
| 1 - 5% cash-back |
| $0 |
| at Chase's secure siteSee rates & fees |
| IHG loyalists seeking mid-tier perks |
| Earn 180,000 Bonus Points |
| 3 - 24X points |
| $150 |
| at Chase's secure siteSee rates & fees |
| beginner cash back |
| As High As $200 Cash Back. Find Out Your Offer. |
| 1 - 3% cash-back |
| $0 |
| at American Express's secure siteSee rates & fees |
| businesses that frequent Wyndham properties |
| 45,000 points |
| 1 - 8X points |
| $95 |
| Go to review |
| frequent Wyndham guests |
| 45,000 points |
| 1 - 6X points |
| $75 |
| Go to review |
| no annual fee travel card |
| 20,000 bonus points |
| 1 - 5X points |
| $0 |
| Go to review |
