The best gas credit cards to add to your wallet

Until you primarily commute by way of public transit, chances are high you have not too long ago stopped to gasoline up. Whether or not your complete was a few {dollars} otherwise you ended up paying triple digits to fill your tank, for those who did not use a gasoline bank card, you are lacking out on incomes rewards.

At TPG, we’re all about maximizing spending wherever attainable, whether or not which means maximizing the bonus classes on a cash-back card or transferring your rewards factors to leverage a killer switch bonus.

My family consists of my associate, a each day commuter who drives 76 miles round-trip to and from work each weekday. That mileage provides up, which is why I added him as a certified person on my Costco Wherever Visa® Card by Citi (see charges and charges).

Out of all of the playing cards I presently maintain, my Costco Wherever Visa gives the very best reward fee on this class — 5% money again on gasoline at Costco and 4% money again on different eligible gasoline and electrical car charging purchases for the primary $7,000 in mixed spend per yr, then 1% thereafter. Due to these charges, utilizing it to replenish is a no brainer.

In truth, my February 2025 Costco reward certificates (for all of my 2024 spending) got here in at $226.73. A big portion of that spending fell into two important classes: Costco groceries and Costco and non-Costco gasoline fill-ups.

Whether or not you are a highway warrior, an occasional driver or fall someplace within the center, this is why you want a gasoline bank card in your pockets — plus our prime picks for the most effective gasoline playing cards.

The perfect gasoline bank cards

*The knowledge for the Wyndham Rewards Earner Enterprise Card, the Wyndham Rewards Earner Plus Card and the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Evaluating the most effective gasoline bank cards

Listed here are TPG’s prime suggestions for the most effective gasoline bank cards.

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Blue Cash Preferred Card from American Express

Welcome offer: Earn $250 cash back after spending $3,000 on eligible purchases within the first six months of account opening. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at amazon.com checkout.

Annual fee: $0 intro annual fee for the first year, then $95 (see rates and fees).

Standout benefits: The Blue Cash Preferred is a fantastic starter card for those just getting into credit card rewards. It offers simple earning and redeeming options, but it’s also great for the more seasoned credit card veteran seeking to maximize their spending across multiple categories.

I’ve had this card for 11 years, and every single year I’ve held it, it has more than paid for itself thanks to the hundreds of dollars I’ve earned in cash-back rewards. I’m not a huge Amazon shopper, but when I do have a couple of items in my cart, I’ll put my Blue Cash Preferred Reward Dollars toward those online purchases.

Usually, though, I redeem my cash back for statement credits, which offset some of my spending on this card. In May 2024, I reserved a private room at a Manhattan karaoke bar for a birthday celebration for around $300; more than half that figure was covered by the cash back I had earned on my Blue Cash Preferred.

This card is ideal for those who prioritize earning cash back above other currencies, although keep in mind that redemption options are limited compared to other cash-back cards that let you pocket rewards by adding them to a bank account or opting to receive a check for your rewards balance.

Though I’ve graduated to other cards that earn valuable travel points instead of cash back, I still have the Blue Cash Preferred in my wallet for two main reasons:

• The up to $7 monthly Disney Bundle statement credit (up to $84 back per calendar year, subject to auto-renewal; enrollment required, and terms apply)
• The 3% cash-back rate on transit (paying for metered parking hurts a tiny bit less when I’m earning rewards on these charges)

Before I made the Costco Anywhere Visa my primary gas credit card, the Blue Cash Preferred was my go-to thanks to earning a decent rate of 3% cash back at U.S. gas stations.

This, coupled with the crown jewel reward category on this card — 6% cash back at U.S. supermarkets (on up to $6,000 per year, then 1%) — has earned the Blue Cash Preferred a well-deserved spot in my wallet year after year for over a decade.

For more details, see our full review of the Amex Blue Cash Preferred.

Apply here: Blue Cash Preferred

Bank of America Customized Cash Rewards credit card

Welcome offer: Earn a $200 online cash rewards bonus after spending $1,000 on purchases within the first 90 days of account opening.

Annual fee: $0.

Standout benefits: The Bank of America Customized Cash card doesn’t charge an annual fee, so you can keep it year after year without worrying about that additional expense. Each month you get to select which category you want to earn 3% cash back in from the following options:

• Gas and EV charging stations
• Online shopping (which includes cable, streaming, internet and phone service charges)
• Dining
• Travel
• Drugstores
• Home improvement/furnishings

Cardholders also earn 2% cash back on grocery store and wholesale club purchases (which is great considering you usually need to get a wholesale club cobranded card to earn rewards at these stores).

Both the 2% and 3% categories noted above are limited to a $2,500 maximum each quarter — once you hit it, you’ll earn 1% cash back on purchases.

If you’re prioritizing earning cash back and looking for flexibility — or if your spending varies between a couple of different categories month to month — the Customized Cash Rewards is a great card to add to your wallet.

Another bonus? If you already have a relationship with Bank of America, you may qualify for the Bank of America Preferred Rewards® Program, which could net you bonuses ranging between 25% and 75% depending on which tier you’re in.

For example, if you’re a Preferred Rewards Program member at the Gold tier (which nets you a 25% bonus), instead of earning 3% on gas purchases, you’ll earn 3.75% cash back on each fill-up. Platinum tier members will enjoy a 50% bonus and earn 4.5% cash back, while Platinum Honors, Diamond and Diamond Honors members will each receive a 75% bonus for a total of 5.25% cash back.

For more details, see our full review of the Bank of America Customized Cash Rewards card.

Apply here: Bank of America Customized Cash Rewards

Capital One Quicksilver Cash Rewards Credit Card

Welcome offer: Earn a $200 cash bonus after spending $500 on purchases within the first three months of account opening.

Annual fee: $0.

Standout benefits: The Capital One Quicksilver Cash Rewards is a solid card for the cash-back fan who occasionally travels but is still getting their footing under them when it comes to credit card rewards.

Though this card doesn’t earn an elevated reward rate in the gas category, it does earn unlimited 1.5% cash back across all purchases. If you don’t care to track specific spend categories and want a (mostly) flat-rate earner, the Quicksilver Cash Rewards may be a good fit.

This card also gives you access to Capital One Travel, where you’ll earn a standout 5% cash back on hotels and rental cars booked with the Quicksilver Cash Rewards card. Remember how I said this is also a decent travel card? Cardholders enjoy no foreign transaction fees when using their card abroad, which is nice for a product that doesn’t charge an annual fee.

Plus, there’s no minimum redemption amount, and you have options when it comes to redeeming your cash back. You can opt to receive a statement credit, check or gift card or use your reward balance on amazon.com purchases and through PayPal.

Learn more: Capital One Quicksilver Cash Rewards review

Annual fee: $0, though a Costco membership is required to get this card.

Standout advantages: Costco followers can simply profit from holding the Costco Wherever Visa. When you have a Costco membership, getting — and preserving — this card prices nothing because of its lack of an annual price (see charges and charges). This card options strong gasoline incomes charges and even covers EV charging, making it versatile as nicely.

Costco Wherever Visa Card holders can earn 5% cash-back rewards on gasoline at Costco and 4% money again on different eligible gasoline and EV charging purchases (as much as $7,000 in mixed spend per yr; then 1%). This implies you are incomes rewards each time you replenish your tank or cost your EV, which is very helpful for households that use each kinds of autos.

One other perk of getting the open-loop Costco Wherever Visa is which you can earn strong cash-back charges in different well-liked classes, like 3% at eating places and on eligible journey purchases. Higher but, the journey fee may be stacked on prime of the two% money again Government members get with their premium membership for a mixed 5% money again on journey purchases. This extra 2% fee applies to the primary $50,000 spent every year at Costco, costco.com and Costco Journey however doesn’t apply to the gasoline class. Even so, you are still incomes between 4% and 5% on filling your tank or charging your EV.

Although I like purchasing at Costco and being a Costco Wherever Visa Card holder, and I personally do not thoughts ready a yr to get my reward certificates every February, I can see how this calendar could also be off-putting to some. When you favor to earn your bank card rewards on a rolling month-to-month foundation, this card might not be for you.

The excellent news is that there are many different playing cards to select from that earn elevated reward charges on gasoline purchases and supply reward entry extra regularly.

For extra particulars, see our full evaluation of the Costco Wherever Visa.

Apply right here: Costco Wherever Visa

Chase Freedom Flex

Welcome supply: Earn a $200 bonus after spending $500 on purchases within the first three months of account opening.

Annual price: $0.

Standout advantages: The Freedom Flex is well top-of-the-line cash-back playing cards available on the market. It earns beneficiant charges in key spend classes, together with 5% money again in rotating bonus classes (on as much as $1,500 in mixed purchases every quarter you activate) and a minimum of 1% money again throughout all different purchases that do not match into any of its different reward classes.

Fuel has been included as a bonus class one quarter per yr since TPG started monitoring the bonus classes for this card in 2014. Although these classes fluctuate, chances are high that you can benefit from incomes 5% on gasoline bills three months out of the yr as a Freedom Flex cardholder.

The Freedom Flex makes it so that you simply’re incomes rewards each time you pay, regardless of the acquisition. This card additionally options some spectacular perks for a no-annual-fee card, comparable to cellphone safety, purchasing protections and journey cancellation and interruption insurance coverage.

Whether or not you are getting gasoline on a cross-country highway journey or simply filling up in your each day commute, you are incomes — at minimal — 1% money again every time you hit the pump. Plus, whenever you pair this card with one other Chase card that earns Final Rewards factors — just like the Chase Sapphire Most well-liked Card, the Chase Sapphire Reserve® or the Ink Enterprise Most well-liked® Credit score Card — you possibly can convert your money again to this helpful level forex.

For extra particulars, see our full evaluation of the Chase Freedom Flex.

Apply right here: Chase Freedom Flex

Chase Sapphire Most well-liked Card

Welcome supply: Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening.

Annual price: $95.

Standout advantages: This card is a employees favourite at TPG because of stellar journey protections and strong incomes charges in well-liked classes. The Sapphire Most well-liked can also be a wonderful card for many who are prepared so as to add one other card to their roster that earns helpful transferable factors.

Fuel is just not a selected bonus class on this card, however you’ll earn a flat fee of 1 level per greenback spent whenever you pay with this card on the pump. That won’t sound like a lot, however each level you earn on this card is efficacious since Chase has a number of nice airline and lodge switch companions — and there are sometimes a number of alternatives to benefit from switch bonuses all year long.

The Sapphire Most well-liked is a chameleon, incomes beneficiant reward charges throughout well-liked spending classes, although it actually shines as a journey rewards card.

Cardholders earn 5 factors per greenback spent on journey booked by way of Chase Journey, plus an as much as $50 annual lodge assertion credit score on accommodations booked via this portal. My associate has this card, and we be certain to make use of this lodge credit score yearly (which is straightforward to do for the reason that credit score is utilized robotically with out the necessity for activation).

Cardholders additionally take pleasure in 3 factors per greenback spent on eating, choose streaming companies and on-line groceries and a couple of factors per greenback spent on all different journey purchases.

As a result of this card would not cost overseas transaction charges, you may benefit from the beforehand talked about incomes charges all through the U.S. and overseas, making the Sapphire Most well-liked the proper journey companion.

For extra particulars, see our full evaluation of the Chase Sapphire Most well-liked.

Apply right here: Chase Sapphire Most well-liked

Chase Freedom Limitless

Welcome supply: Earn a $250 bonus after spending $500 on purchases in your first three months of account opening.

Annual price: $0.

Standout advantages: Chase Freedom Limitless cardholders will take pleasure in incomes a minimum of 1.5% money again throughout all purchases exterior of the bonus classes featured on this card.

When you select this as your main gasoline rewards card, you additionally take pleasure in the next incomes charges:

• 5% money again on journey bought via Chase Journey
• 3% money again on drugstore purchases
• 3% money again on eating at eating places — together with takeout and eligible supply companies

A flat cash-back fee in all nonbonus classes means fueling up will robotically earn you 1.5% again on each greenback you spend, and since this card would not include an annual price, getting and preserving it’s a web optimistic yr after yr assuming accountable card utilization.

This card is a superb possibility for card novices and professionals alike as a result of it helps fill in any gaps in your reward-earning technique.

Just like the Freedom Flex, the Freedom Limitless means that you can switch your money rewards into Chase Final Rewards factors for those who maintain one other Chase card just like the Sapphire Most well-liked, the Sapphire Reserve or the Ink Enterprise Most well-liked.

For extra particulars, see our full evaluation of the Chase Freedom Limitless.

Apply right here: Chase Freedom Limitless

Wyndham Rewards Earner Enterprise Card

Welcome supply: Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual price in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside three hundred and sixty five days of account opening.

Annual price: $95.

Standout advantages: Along with being a strong earner on gasoline purchases — netting a beneficiant 8 factors per greenback spent — this card gives cardholders a reward stability enhance of 15,000 bonus factors every anniversary yr.

This product makes essentially the most sense for small-business house owners who’re additionally Wyndham loyalists, because it earns 8 factors per greenback spent on Motels by Wyndham. Others are higher off with a normal rewards or journey card.

Along with an honest welcome bonus of as much as 75,000 factors, cardholders can maximize their enterprise bills by incomes 5 factors per greenback spent on advertising and marketing, promoting and utilities.

The cherries on prime are the automated Diamond elite standing that confers perks like suite upgrades and a welcome amenity at check-in, the flexibility to get complimentary worker playing cards for simpler expense monitoring and the absence of overseas transaction charges — supreme for the enterprise traveler.

The knowledge for the Wyndham Rewards Earner Enterprise Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Associated: decide a method in your small-business bank cards

Study extra: Wyndham Rewards Earner Enterprise Card evaluation

Wyndham Rewards Earner Plus Card

Welcome supply: Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.

Annual price: $75.

Standout advantages: The patron Wyndham Rewards Earner card encompasses a smaller annual price ($75) than its enterprise counterpart and nonetheless comes loaded with perks.

When you frequent Wyndham properties, you may take pleasure in incomes 6 factors per greenback spent at Motels by Wyndham and on gasoline purchases, making this card one other sleeper hit in relation to incomes gasoline rewards.

This card additionally comes with automated Platinum elite standing and seven,500 bonus factors every anniversary yr.

The knowledge for the Wyndham Rewards Earner Plus Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Study extra: Wyndham Rewards Earner Plus Card evaluation

U.S. Financial institution Altitude Join Visa Signature Card

Welcome supply: Earn 20,000 bonus factors after spending $1,000 on web purchases within the first 90 days of account opening.

Annual price: $0.

Standout advantages: For a no-annual-fee card, the Altitude Join Visa gives some fairly stellar perks and incomes charges the place you need them — particularly for those who’re a traveler, commuter or foodie:

• 5 factors per greenback spent on pay as you go accommodations and automobile leases booked immediately within the Altitude Rewards Heart
• 4 factors per greenback spent at gasoline and EV charging stations (as much as your first $1,000 every quarter; excludes low cost shops, supercenters and wholesale golf equipment)
• 4 factors per greenback spent on journey purchases made immediately with airways, accommodations and rental automobile firms
• 2 factors per greenback spent on eating, on streaming companies and at grocery shops (excluding low cost shops, supercenters and wholesale golf equipment)

Cardholders can even take pleasure in as much as $100 in assertion credit towards their TSA PreCheck or International Entry utility price (each 4 years) and a complimentary Precedence Move membership that permits 4 no-cost visits to over 1,600 airport lounges everywhere in the world.

With regards to incomes factors, do not low cost the Altitude Join Visa. There are different playing cards that earn a extra helpful reward forex than the factors issued by U.S. Financial institution, but when these bonus classes align along with your spending, this card is usually a strong alternative.

The knowledge for the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Study extra: U.S. Financial institution Altitude Join Visa Signature Card evaluation

What to think about when selecting a gasoline card

You’ve tons of choices for those who’re trying to decide on a gasoline bank card. The excellent news is that we have carried out numerous the heavy lifting for you. If you need a card that earns money again or favor one which earns journey rewards factors, you may discover an possibility for you on this listing. Here is what else it’s best to take into consideration earlier than making use of.

Most well-liked rewards

When you’re into transferable bank card factors and desire a multipurpose product that earns strong rewards throughout a number of classes, a card just like the Chase Sapphire Most well-liked is a wonderful possibility. When you’re a cash-back fanatic, think about an possibility just like the Amex Blue Money Most well-liked or the Capital One Quicksilver Money Rewards.

When you’re nonetheless comparatively new to bank card rewards, a cash-back card could supply a extra snug introduction to incomes and redeeming this particular reward forex. When you’re keen to begin incomes helpful factors you possibly can switch to associate packages, a product just like the Chase Sapphire Most well-liked could also be extra your pace because it encompasses a wholesome welcome bonus and strong switch companions like World of Hyatt, Air Canada Aeroplan and Virgin Atlantic Flying Membership. Simply be sure you prioritize a card that is nicely suited to your wants.

Associated: Who’re the Chase Final Rewards switch companions? All the pieces to know

Welcome bonus

A welcome bonus presents a stellar alternative to earn a stash of money again, factors or miles relying on the cardboard you select. With regards to making use of for a gas-specific bank card, consider whether or not the welcome bonus gives you first rate worth along with the primary reward classes featured on the cardboard you are contemplating.

For me, getting the Costco Wherever Visa made sense since I already had a Costco membership and was searching for methods to maximise my reward-earning technique throughout my important spending classes.

Spending habits

The perfect reward technique is one which covers the classes you spend essentially the most cash in; for me, groceries, journey, eating, streaming and gasoline are huge ones.

I’ve arrange my pockets to incorporate playing cards that cowl all these bases. When selecting your gasoline bank card, think about which card will earn you elevated reward charges every time you gas up and throughout different classes, too.

Annual price

Annual charges run the gamut from $0 to sky-high. Whether or not you are prepared to pay an annual price — or wish to keep away from them altogether — our picks for greatest gasoline playing cards supply one thing for each price range.

How we selected the most effective gasoline bank cards

To decide on the most effective gasoline bank cards, we chosen choices appropriate for several types of budgets and spenders.

We additionally took care to decide on versatile playing cards that earn rewards in well-liked spending classes like streaming, groceries and transit, in addition to playing cards from varied issuers that provide hidden gems like buy safety and even journey delay insurance coverage. For a deeper dive into our choice course of, take a look at our methodology right here.

Redemption choices for gasoline bank cards

A lot of the gasoline playing cards on this listing earn money again, although the Chase Sapphire Most well-liked earns helpful Final Rewards factors that may be transferred to a number of airline and lodge companions.

The perfect gasoline bank card is the one that’s going to construct up your reward forex stash and work in your particular wants.

Backside line

When you drive a car that runs on gasoline or must be charged, you want a gasoline bank card. In any other case, you are leaving cash on the desk — particularly when there are such a lot of versatile choices in relation to playing cards that earn elevated charges on this class.

If you have already got a Costco membership, think about the Costco Wherever Visa. If you need a no-annual-fee gasoline card, think about the Financial institution of America Personalized Money Rewards card. When you’re prepared to pay a sub-$100 annual price and spend quite a bit on groceries along with gasoline, you possibly can’t go flawed with the Amex Blue Money Most well-liked. You’ve choices, and when you determine what sort of rewards you’d prefer to earn and what your hottest spending classes are, you possibly can slender down your choice from there.

For charges and charges of the Amex Blue Money Most well-liked, click on right here.

Associated: The perfect no-foreign-transaction-fee bank cards