Best Credit Cards For Gas Station Purchases

Best Credit Cards For Gas Station Purchases

Best Credit Cards For Gas Stations

Best Credit Cards For Gas Stations


Best Credit Cards For Gas Stations

Gas is a big monthly expense for many people. Americans drive a lot. They commute to work, they drive for fun, they take road trips on holidays and run errands constantly. All those miles add up. On average, each American drives a bit more than 1,000 miles per month. That adds up to a couple of hundred dollars a month and a couple of thousands a year.

So maximizing the credit card rewards and getting discounts wherever possible is a good idea. Plus gas stations often carry selections of third party gift cards and Visa, Mastercard and Amex prepaid gift cards. So it makes sense to maximize these purchases.

I would suggest first looking as gas rewards deals from supermarkets such as Kroger, Stop & Shop, Giant and many others. You can get half off or even close to free gas. I often post those deals here, so make sure you subscribe by using the form on the right hand side. After that, take a look at this list of best credit cards for gas.

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Below, you can find the cards you should use every time you fill up, or make a purchase at your local gas station. I’ll start with the cards that give you the highest rates and are widely available, and work my way down from there. I’ll value all points at 1 cent per points to make the ranking easier, but for same rates, I’ll rank Chase Ultimate Rewards cards first, then American Express Membership Rewards cards next, and ThankYou Points and Capital One miles after that.

Fort Knox FCU Platinum Visa Card

  • Earn unlimited 5% Cash Back rebates on gas purchases
  • No Annual Fee
  • You need to pay $15 to join the credit union before applying for the card
  • Read more about the card

PenFed Platinum Rewards Visa Card

  • Earn unlimited 5X in points on gas purchases, 3X on groceries
  • No Annual Fee. Points can be redeemed on hotel stays for up to 1.25 each or gift cards for less than 1 cent.
  • Bonus of $100 Statement Credit when you spend $1,500 in first 90 days.
  • Read more about the card

Amex Old Blue Cash

  • Earn 1% at U.S. supermarkets, gas stations & drugstores for first $6,500 in purchases in a reward year, and 5% after that, up to $50,000 per year in purchases.
  • No Annual Fee
  • The card is no longer available for signups.
  • Read more about the card

Amex Business Gold

Sam’s Club Mastercard

  • 5% cash back on gas (on first $6,000 per year in purchases, then 1%)
  • No Annual Fee
  • You need to be a Sam’s Club member in order to apply. Membership costs $45 but they often have promotions. You can sign up here for example to get a $20 gift card. The card comes with a $45 bonus also.
  • Read more about the card

Huntington Bank Voice Business Card

  • 4% back up to $7K quarterly at Grocery stores, Gas Stations, Office Supply Stores etc
  • No Annual Fee
  • No signup bonus and available in branch only in OH, MI, IN, PA, KY, WV, IL & WI
  • Read more about the card

Costco Anywhere Visa

  • 4% cash back on gas (on first $7,000 per year in purchases, then 1%)
  • No Annual Fee
  • You need to be a Costco member in order to apply. Membership costs $60. Rewards earned with this card are sent out with an annual certificate in February. They are redeemable for cash or merchandise at Costco only.
  • LEARN MORE

Bank of America Cash Rewards Credit Card

  • 1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on select categories including gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No Annual Fee
  • The card has a public $200 bonus. Also if you qualify for Platinum Honors, you get a 75% bonus, which gives you 5.25% cash back on gas.
  • Read more about the card

Amex Blue Cash Preferred

  • 3% Cash Back at gas stations
  • $95 Annual Fee
  • LEARN MORE

Citi Premier

  • 3X ThankYou points at gas stations, supermarkets and restaurants
  • $95 Annual Fee
  • The card comes with a 60,000 points bonus when you spend $4,000 in the first 3 months.
  • APPLY HERE

Wells Fargo Amex Propel Card

  • 3x points on Gas stations, dining  rideshares, and transit; Flights, hotels, homestays, and car rentals and popular streaming services.
  • No Annual Fee
  • The card often comes with a $200 bonus if you spend $1,000 in first 3 months.
  • Read more about the card

UMB Simply Rewards

  • 3% at Gas stations, Grocery stores, Discount stores, Restaurants
  • No Annual Fee
  • $200 bonus and could be limited based on your location
  • Read more about the card

Amex Hilton Honors Surpass

  • 6X Hilton points on gas purchases, dining at U.S. restaurants and takeout/delivery, and groceries at U.S. supermarkets.
  • Annual Fee: $95
  • APPLY HERE

Other 2% Cards

Cards with 5% Rotating Categories

Some card also have 5% rotating categories each quarter. Restaurants sometimes are one of those categories, so it’s a good idea to keep an eye out if you have these cards, and maximize the spending when possible.

Please let me know if there’s any other cards that you think should be included in the list, especially if they’re widely available. And also share your opinions on which card you would consider as the best overall.

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