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The best credit cards for gas purchases can earn you bonus points, miles, or cash back at the pump

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Whether you’re planning a road trip, easing back into a work commuting routine, or simply doing a lot of day-to-day driving, earning credit card rewards for gas purchases can take some of the sting out of this necessary expense.

Fortunately, there are lots of rewards credit cards that include gas stations as a bonus category. The very best of these also earn extra points, miles, or cash back in other popular categories, like travel or dining.

Choosing the best gas credit card for you boils down to the types of rewards you like to earn and your overall spending habits. Here are our top credit card picks to make the most of your spending at the pump.

Regular APR

15.24% (Variable)

  • Pros & Cons
  • Details

  • Pros
    • Generous cash-back categories, especially for gas purchases
    • No foreign transaction fee
    Cons
    • You can only receive rewards once per year
    • You need to visit a Costco location to redeem rewards for cash back instead of merchandise
    • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
    • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
    • 3% cash back on restaurants and eligible travel purchases
    • 2% cash back on all other purchases from Costco and Costco.com
    • 1% cash back on all other purchases
    • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
    • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
    • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi’s discretion.


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    The Costco Anywhere Visa® Card by Citi offers 4% cash back on eligible gas purchases worldwide (not just at Costco gas stations) on up to $7,000 in purchases per year (then 1%). Plus, you’ll earn 3% back on restaurant and eligible travel purchases worldwide, 2% back on all other purchases from Costco and costco.com, and 1% back on everything else.

    Read more: Costco Anywhere Visa Card by Citi review: Generous rewards at the bulk retailer and beyond, with a few caveats to consider

    There’s no annual fee, but you need a Costco membership to earn rewards. While gas station earning on the Costco Anywhere Visa® Card by Citi is excellent, the card doesn’t issue cash-back the same way other cards do. You’ll only receive your rewards once per year, in the form of a certificate you can redeem for cash back or merchandise at Costco.

    Annual Fee

    $95, waived for the first year

    Regular APR

    15.99% to 23.99% variable APR

  • Pros & Cons
  • Details

  • Pros
    • Great earning rate on travel and at gas stations (4x points = 4% back)
    • Bonus points on streaming services plus $30 yearly streaming credit can save you money
    • Global Entry or TSA PreCheck application fee credit is worth up to $100
    Cons
    • Annual fee after the first year
    • No airline or hotel transfer partners
    • $30 streaming credit each 12-month period when you use your card to pay for eligible streaming services for 11 consecutive months
    • Global Entry or TSA PreCheck application fee credit
    • Visa Signature benefits
    • Cell phone protection
    • No foreign transaction fees

    The new U.S. Bank Altitude® Connect Visa Signature® Card has a great 4x earning rate at gas stations and on travel, and it’s not capped like on some other cards. Cardholders also earn 2x points at grocery stores and on grocery delivery, dining, and streaming services, and 1 point per dollar on everything else.

    Read more: The new US Bank Altitude Connect credit card offers a welcome bonus worth $500, with up to 4x points for everyday spending

    Each point is worth 1 cent toward cash back, travel, gift cards, or merchandise, so the U.S. Bank Altitude® Connect Visa Signature® Card effectively earns 4% back at gas stations. The annual fee is $95, waived for the first year, and you’ll get other perks like a Global Entry/TSA PreCheck application fee credit, streaming credits, cell phone protection, and Visa Signature benefits.

    Regular APR

    15.99% – 23.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Strong welcome bonus
    • Generous bonus categories
    Cons
    • Doesn’t offer much in the way of statement credits or other perks
    • Citi ThankYou Rewards may not be as convenient as other points for US-based travelers
    • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
    • Earn 3 Points per $1 spent at Restaurants and Supermarkets
    • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
    • Earn 1 Point per $1 spent on all other purchases
    • Annual Hotel Savings Benefit
    • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases

    The Citi Premier® Card is a terrific all-around pick if you like earning flexible Citi ThankYou points and spend a lot in popular everyday categories. You’ll earn 3x points at gas stations, restaurants, supermarkets, hotels, and on air travel, and 1 point per dollar on everything else.

    Read more: 6 reasons the Citi Premier should be your go-to card for the pandemic — and beyond

    New cardholders can earn a welcome bonus of 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, and you can use points for travel through the Citi ThankYou portal, transfer them to airline partners, or redeem them for gift cards, merchandise, cash back, and more.

    Regular APR

    14.99%–23.74% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    $200 after spending $500 in the first three months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Solid flat cash-back rate
    • You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
    • No annual fee
    Cons
    • Some other cards offer a higher rate of cash back on certain types of purchases
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • Earn unlimited 1.5% cash back on all other purchases.
    • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
    • No annual fee
    • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
    • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open


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    The Chase Freedom Unlimited® is marketed like a cash-back card, but it actually earns valuable Chase Ultimate Rewards points. You’ll earn 1.5% back (1.5 Chase Ultimate Rewards points per dollar) on most purchases, including at gas stations — plus 5% back (5x) on travel booked through Chase and 3% back (3x) on dining and at drugstores.

    Read more: Chase Freedom card review: All 3 versions offer solid rewards for no annual fee, but only 2 are available to new applicants

    If you’re willing to keep track of rotating bonus categories, it’s worth looking at the Chase Freedom Unlimited®‘s sibling, the Chase Freedom Flex℠. With the Chase Freedom Flex℠, you can earn 5% cash back (5x points) in rotating categories on up to $1,500 in combined purchases each quarter when you activate (then 1% back). Gas stations make a frequent appearance on the Chase Freedom 5x calendar, including April through June 2021.

    Regular APR

    12.99% to 22.99% Variable

  • Pros & Cons
  • Details

  • Pros
    • Strong rewards at US supermarkets
    • You can earn a 50% points bonus each billing period when you make at least 30 purchases
    Cons
    • Annual cap on earning bonus rewards at US supermarkets
    • Not the best option for earning rewards outside of US supermarkets and US gas stations — especially if you don’t make at least 30 purchases per billing statement to earn the bonus
    • The information for the Amex EveryDay Preferred Card has been collected independently by Business Insider, and has not been reviewed or provided by the card issuer
    • 3x points at US Supermarkets
    • 2x points at US gas stations
    • 1x points on all other eligible purchases
    • Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits. Terms apply.

    If you prefer transferable Amex Membership Rewards points, the Amex EveryDay® Preferred Credit Card is a good option, especially if you make a lot of purchases overall each month.

    Read more: Amex EveryDay Preferred review: A good card for earning Amex travel points, and it gets even better if you use it 30 times a month

    The card earns 2x points at US gas stations and 3x points at US supermarkets (on up to $6,000 in purchases per year, then 1%), but if you make 30 or more purchases in a billing cycle, you’ll receive 50% more points on purchases that period. Effectively, if you reach the purchase threshold, you could earn 3x points when you fuel up.

    Annual Fee

    $95 (waived the first year)

    Regular APR

    13.99% to 23.99% variable APR

    Featured Reward

    20% back on Amazon.com purchases (up to $200 back) in your first 6 months of Card Membership, plus $150 back as a statement credit after you spend $3,000 on the Card within the first 6 months

    Intro APR

    0% intro APR on purchases for 12 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Generous bonus rewards, especially at U.S. supermarkets
    • One of a small handful of credit cards that offer bonus rewards on select streaming services
    • Intro APR offer
    Cons
    • Unlike many other cash-back cards, it charges an annual fee
    • If you spend more than $6,000 at US supermarkets each year, you’ll want to use another card once you reach that cap
    • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
    • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
    • $0 intro annual fee for the first year, then $95.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
    • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms Apply.


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    The Blue Cash Preferred® Card from American Express is a great card for those who spend a lot on gas, groceries, and commuting. Right now, it’s offering a great welcome bonus too — 20% back on Amazon.com purchases (up to $200 back) in your first 6 months of Card Membership, plus $150 back as a statement credit after you spend $3,000 on the Card within the first 6 months.

    Read more: The best cash-back credit cards of 2021

    It earns 3% cash back at US gas stations and on transit (including taxis, rideshares, parking, tolls, trains, and buses), 6% cash back on select US streaming services, 6% back on the first $6,000 spent at U.S. supermarkets each year, then 1%, and 1% back on all other eligible purchases (cash back is received in the form of Reward Dollars).

    Credit Score

    Good to Excellent

    Featured Reward

    70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • You can bonus points on the categories where you make the most purchases (from a list of options)
    • 25% points rebate when you use rewards to book an eligible flight through Amex Travel
    Cons

    • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
    • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
    • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
    • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
    • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
    • *Terms Apply


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    If you qualify for a small-business credit card and spend a lot on gas, the American Express® Business Gold Card could earn you a lot of Membership Rewards points. It’s got a unique earning structure — cardholders earn 4x points on the two categories where their business spends the most each billing cycle, up to $150,000 per calendar year (then 1x), and 1 point per dollar on all other purchases.

    Read more: Amex Business Gold card review: Great bonus categories and travel perks for small-business owners

    The list includes:

    • Airfare purchased directly from airlines
    • U.S. gas stations
    • U.S. restaurants (including takeout and delivery)
    • U.S. shipping providers
    • U.S. computer hardware, software, and cloud systems from select technology providers
    • U.S. purchases for advertising in select media (online, TV, radio)

    Regular APR

    13.49% to 17.99%

  • Pros & Cons
  • Details

  • Pros
    • Strong rewards on gas and groceries
    • Intro APR offer on balance transfers
    • No annual fee
    Cons
    • You have to be a PenFed Credit Union member to apply
    • PenFed Rewards aren’t worth as some other credit card points

    To qualify for the PenFed Platinum Rewards Visa Signature® Card, you’ll need to be a member of the PenFed (Pentagon Federal) Credit Union. You don’t need a military affiliation to join — all that’s required is that you fund a savings account with a minimum of $5 — and you can do so when you apply for the card.

    Read more: The average US household spends over $2,000 on gas each year. Here’s how many points that translates to with 3 popular credit cards

    The PenFed Platinum Rewards Visa Signature® Card earns a whopping 5x points on gas purchases at the pump, 3x points on groceries, and 1 point per dollar on everything else with no caps. Keep in mind redeeming rewards isn’t straightforward — the value of your points varies depending on what you use them for (travel, gift cards, or merchandise) and there’s no option to use points for cash back.

    Regular APR

    13.99% – 23.99% variable

    Intro APR

    0% for 15 billing cycles

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  • Pros & Cons
  • Details

  • Pros
    • No annual fee
    • Broad 2% and 3% cash-back categories
    Cons
    • 2% and 3% cash-back categories capped at $2,500 in combined purchases each quarter
    • Earn a $200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening
    • Earn 3% back in a category of your choosing among gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% back at grocery stores and wholesale clubs and 1% back on other purchases; bonus rewards in 3% and 2% categories are capped on the first $2,500 spent each quarter, after which you’ll earn 1%
    • No annual fee
    • Redeem rewards for cash back, statement credits, or a transfer to eligible Bank of America or Merrill accounts


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    If your spending habits change from time to time, having a card that allows you to customize your bonus categories can be a real plus. The Bank of America® Customized Cash Rewards Credit Card gives you the option to choose one 3% bonus category each month, from a list:

    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drug stores
    • Home improvement/furnishings

    Along with earning 3% back in the category you choose, you’ll also earn 2% back at grocery stores and wholesale clubs, up to a combined maximum of $2,500 in spending each quarter between the 3% and 2% categories (then you’ll earn 1%).

    Read more: Bank of America Cash Rewards credit card review: Choose your own 3% cash-back category and customize this card for your spending habits, with no annual fee

    If you’re a Bank of America Preferred Rewards customer, the card gets even more compelling. Depending on how much you have on deposit with Bank of America and/or Merrill, you could earn 25% to 75% more rewards — so, at the top tier, you could earn 5.25% back on gas purchases instead of 3%.

    Jasmin Baron is an associate editor at Personal Finance Insider, where she helps readers maximize rewards and find the best credit cards to fit their lifestyles. She has covered credit cards, points and miles, and loyalty programs for over seven years, and she’s a Certified Educator in Personal Finance (CEPF).

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