gas credit cardUpdated: May 10, 2019

If you drive to work, enjoy road-tripping, drive professionally or even just have errands to run, you’re sure to be spending some time and money at the gas pump. Why not recoup some of that cost with a gas credit card?

Gas credit cards earn cash back or points on gas purchases that can be redeemed for a number of things (e.g., statement credit, merchandise and travel), depending on the card. Plus, using credit instead of debit to pay at the gas station limits your liability if your card information is stolen, which is important because gas stations are a common location for payment card theft primarily via skimmers.

While there are loyalty credit cards for specific gas brands, we find that their rewards generally don’t justify limiting your gas station options. Instead, we recommend gas credit cards from major credit issuers, which offer as much as 4% cash back on your gas purchases as well as rewards on other frequent expenses, intro bonuses, 0% intro APRs and more. Read on to see if one of our favorite gas credit cards is right for you.

Highest cash back rate on gas: Costco Anywhere Visa Card by Citi

gas credit cardFor those who really want to maximize their cash back on gas purchases, the Costco Anywhere Visa Card by Citi (a NextAdvisor advertiser) is the perfect option. That’s because you’ll earn 4% cash back on up to $7,000/year of eligible gas purchases, after that it’s 1% cash back. That’s a high enough cap that most consumers will maintain the 4% rate on all their gas purchases — you’d have to spend over $583 on gas each month to reach the cap. Eligible gas purchases include those made at Costco and at gas stations, but gas purchased at other superstores, supermarkets convenience stores and other warehouse clubs won’t qualify.

On top of the cash back you’ll earn on gas, you’ll also earn an uncapped 3% cash back on restaurant and eligible travel purchases, 2% on Costco and Costco.com purchases and 1% cash back on all other purchases. Plus, the Costco Anywhere Visa Card charges no foreign transaction fees, which means that if you use your card to pay for purchases outside the U.S., you’ll avoid the 3% to 5% fee many credit cards charge for international transactions. There’s also no annual fee, though you do need an active Costco membership ($60 per year for standard membership) to be a cardholder.

Cash back earned with the Costco Anywhere Visa Card by Citi will be received as a credit card reward certificate at the end of the February billing cycle. You can use the certificate to pay for Costco purchases and any remaining value will be given to you as cash at that time. The Costco Anywhere Visa Card by Citi also requires excellent credit to qualify (generally considered a credit score of 750 or higher).

Cash back on gas when you want it: Bank of America Cash Rewards credit card

gas credit cardThe Bank of America Cash Rewards credit card offers cash back on gas purchases in a different way: it lets you choose a category to earn extra cash back in. You’ll earn 3% cash back in your choice category and 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), as well as an unlimited 1% cash back on all other purchases. Your 6 choice category options include: (1) gas, (2) online shopping, (3) dining, (4) travel, (5) drug stores as well as (6) home improvement and furnishings. As a nice flexibility feature, you can change your 3% category every month. That way, in months where you don’t expect to spend as much on gas, you’re free to earn that 3% cash back on a different category.

The Bank of America Cash Rewards credit card also offers several intro benefits, including a 12-month 0% intro APR on purchases and on balance transfers made within the first 60 days of account opening (with a 3% balance transfer fee, $10 minimum) and a $200 intro bonus after spending $1,000 on purchases in the first 90 days of account opening (you’ll need to apply online to be eligible for the bonus). The 12-month 0% intro APR on purchases helps if you have a big-ticket item (or a handful of small purchases) to pay for, giving you a year to pay it down without adding credit card interest. Plus, if you’re carrying a balance on a credit card with high APR, the 0% intro balance transfer APR can be your ticket to ridding yourself of credit card debt — interest free.

All this and the Bank of America Cash Rewards credit card charges no annual fee and requires good to excellent credit, which is generally considered a credit score of 700 or higher.

Best for gas, transit and supermarkets: Blue Cash Preferred Card from American Express

gas credit cardMany people looking for a gas credit card are doing so because they recognize that the gas pump is such a frequent expense. For that reason, it makes sense to pair a high rewards rate on gas with another everyday purchase category — the supermarket. The Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) combines an uncapped 3% cash back at U.S. gas stations and on transit (taxis/rideshares, parking, tolls, trains, buses and more) with 6% cash back at U.S. supermarkets (up to $6,000/year in purchases, then 1%), as well as an uncapped 6% cash back on select U.S. streaming subscriptions and 1% cash back on all other purchases.

You’ll also earn a $250 intro bonus after spending $1,000 on purchases in the first 3 months and, as another intro offer, you’ll get a 12-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum). The Blue Cash Preferred Card from American Express requires good to excellent credit (generally considered a credit score of 700 or higher) and charges an annual fee of $95.

An alternative with no annual fee

If the annual fee is a dealbreaker, you may want to consider its no-fee sister card, the Blue Cash Everyday Card from American Express. With this card, you’ll pay no annual fee and earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1% back), uncapped 2% cash back at U.S. gas stations and 1% cash back on everything else. Plus, the Blue Cash Everyday Card also offers a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum) and a $150 intro bonus opportunity.

Fuel your travel: Citi Premier Card

gas credit cardWith the Citi Premier Card, you’ll earn an uncapped 3 points per $1 spent on travel, including purchases at gas stations, 2 points per $1 spent at restaurants and on entertainment, as well as 1 point per $1 spent on all other purchases. Earned points can be redeemed for cash back, gift cards, travel and more. If you redeem for cash back, 5,000 points are worth $50 in cash back. That already makes the Citi Premier Card a good choice for a gas credit card, but the extra travel value of your points, explained below, really set this card apart.

When you redeem your points to book flights through the ThankYou Travel Center, your points are worth 25% more. That can make your gas purchases really valuable in fueling your travel plans. Plus, you can transfer your points at equal value to participating airline loyalty programs (including TrueBlue, Virgin Atlantic Flying Club and Singapore Airlines KrisFlyer), which allows you to take advantage of these programs’ high point value. The minimum transfer is 1,000 points.

The Citi Premier Card also offers an intro bonus of 50,000-points when you spending $4,000 on purchases in the first 3 months of account opening. That’s worth $500 in gift cards or if you use it to book flights as mentioned before, it’s worth $625. The Citi Premier Card also charges no foreign transaction fees, a must if you plan to use the card during international travel, and requires excellent credit for approval (usually considered a credit score of 750 or higher). The card has a $95 annual fee, but it’s waived for the first 12 months.

Finding the right card for your needs isn’t always easy. If you’re unsure whether one of the cards in this post is best for you, visit our credit cards reviews to learn more about the cards detailed in this post and see how they compare to others on the market.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.