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Credit Cards

17 Best Gas Credit Cards of November 2026

UpdatedOctober 16, 2026

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

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Intro offer75,000 bonus points.
  • Annual fee$95
  • You'll earn1-5x
  • Regular APR19.49% - 27.74% Variable
at Chase's secure site.
Terms & restrictions apply. See rates & fees.

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.

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Comparing the best gas credit cards

How we rate

Our best credit cards for gas purchases selections feature solid earning rates when you visit the pump as well as a variety of redemption options to maximize those rewards. If gas is a category where you find yourself spending often, our picks for the top gas credit cards can help you get more back on those purchases. To learn about how TPG evaluates and chooses cards for our roundups, check out our methodology here.

  • Welcome bonus

    We included cards that featured solid welcome bonuses and a variety of minimum spend thresholds to meet your budget.

  • Annual fee

    Our top picks feature varying annual fees that provide different levels of benefits to cardholders.

  • Earning rates

    We selected cards that earn on gas purchases as well as other popular bonus category options.

  • Redemption options

    The best cards provide you with various redemption options to select from, including cash back, points and miles.

  • Added benefits

    In addition to earning rates and lucrative welcome bonuses, many of our top picks also offer travel and insurance perks.

Rewards at the gas pump remain a top priority for cardholders

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.

This information was collected via opt-in surveys of TPG’s roughly 900,000 daily newsletter subscribers in May-June 2024. All data is anonymous and aggregated; you can view our full methodology for collecting and utilizing data here.

How to choose a gas credit card

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:

  • 1
    Sign-up bonus

    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.

  • 2
    Annual fee

    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.

  • 3
    Bonus categories

    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.

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Here are the best ways to get rewards for your gas purchases - The Points Guy

Tips on how to maximize your spending at the pump and get value on gas

More on gas savingsOr, get card offers here

Pros + cons of gas credit cards

  • Pros

    • Using a gas credit card responsibly can help boost your credit
    • A credit card that earns more on gas purchases can help you quickly earn rewards to use toward travel and more
    • Many credit cards for gas also have bonuses for other spending, such as groceries or dining
    • Credit cards often provide purchase, theft and fraud protection

  • Cons

    • Gas credit cards can encourage overspending
    • Carrying a balance on your credit card for gas purchases can negatively impact your credit score
    • Some gas credit cards do not earn bonus rewards in all categories, so you may need other credit cards to boost your earnings in other categories
    • Some credit cards for gas require a good credit score, which means those who haven't had a credit card before (or have a low score from past spending) may not be approved

Frequently asked questions

  • What is the best gas credit card?

    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®.

  • 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.

  • How do you apply for a gas credit card?

    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.

  • Should you use your credit card for gas?

    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.

  • Can a gas card build credit?

    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.